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FVCB stock ticker logo

FVCBankcorp, Inc.

NASDAQ•FVCB
CEO: Mr. David W. Pijor Esq.
セクター: Financial Services
業種: Banks - Regional
上場日: 2015-05-06
FVCBankcorp, Inc. operates as the bank holding company for FVCbank that provides various banking products and services for small and medium-sized businesses, professionals, non-profit organizations and associations, and investors in Virginia. It offers various deposit products, including interest and noninterest-bearing transaction accounts, certificates of deposit, savings, and money market accounts. The company also provides lending products comprising commercial real estate loans; commercial construction loans; commercial loans for a range of business purposes, such as for working capital, equipment purchases, lines of credit, and government contract financing; small business administration lending; asset based lending and accounts receivable financing; home equity loans or home equity lines of credit; and consumer loans for constructive purposes. In addition, it offers business and consumer credit cards; merchant services; business insurance products; and online banking, remote deposit, and mobile banking services. The company was founded in 2007 and is headquartered in Fairfax, Virginia.
連絡先情報
11325 Random Hills Road, Suite 240, Fairfax, VA, 22030, United States
703-436-3800
www.fvcbank.com
時価総額
$272.93M
PER (TTM)
12.3
13.9
配当利回り
1.2%
52週高値
$17.94
52週安値
$9.49
52週レンジ
66%
順位43Top 50.7%
3.8
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.8 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$31.51M+9.74%
直近4四半期の推移

EPS

$0.31+14.82%
直近4四半期の推移

フリーCF

$0.00-100.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Net Income Rises 19% Q3 Net Income reached $5.58M, up 19% year-over-year, driven by strong Net Interest Income growth of 13% to $16.03M.
NIM Expansion Strong Net Interest Margin improved 27 basis points to 2.91% due to loan repricing and lower funding costs, which decreased 39 basis points.
Asset Quality Improves Notably Nonperforming Loans decreased 14% to $11.1M, resulting in an improved NPL ratio of 0.48% compared to 0.58% previously.
Deposit Base Expanded Total deposits grew $107.3M to $1.98B by September 30, 2025, supported by strong growth in interest-bearing checking accounts.

リスク要因

CRE Concentration Remains High Commercial Real Estate concentration remains high at 63% of total loans, posing risk if regional real estate markets decline further.
Cannabis Banking Exposure Significant business activity with cannabis customers ($151.6M in loans) faces uncertainty due to potential federal enforcement actions.
Noninterest Expense Growth Salaries and benefits expense increased 6.1% YTD ($860K), while technology expenses (Internet banking) rose 21.1% ($450K).
Interest Rate Environment While NIM improved, continued rate volatility impacts asset yields and funding costs, requiring active management of interest rate swaps.

見通し

Loan Pipeline Closing Soon Loan commitments over $65M approved in Q3 2025 are expected to close and fund in Q4 2025 at a weighted average rate of 8.95%.
Capital Position Maintained Bank believes it meets all regulatory capital adequacy requirements, maintaining strong ratios above minimums including the conservation buffer.
ACL Methodology Review ACL determination remains highly subjective, relying on peer data and economic forecasts; provisions may change based on future economic shifts.
Share Repurchase Program Active Renewed repurchase program allows buying up to 1.3M shares (7% of 12/31/24 outstanding) through March 31, 2026.

同業比較

売上高 (TTM)

CFFI stock ticker logoCFFI
$183.79M
+10.1%
ISTR stock ticker logoISTR
$153.49M
-1.9%
FSFG stock ticker logoFSFG
$146.33M
+8.9%

粗利益率 (最新四半期)

OVLY stock ticker logoOVLY
95.9%
+11.9pp
CBNA stock ticker logoCBNA
91.8%
+0.4pp
LCNB stock ticker logoLCNB
72.6%
+10.6pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
ISTR$274.27M12.08.3%5.4%
MBCN$273.47M14.08.8%9.8%
OVLY$272.95M11.212.7%0.0%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
4.0%
緩やかな成長
4四半期純利益CAGR
3.0%
収益性の緩やかな改善
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月16日
|
EPS:$0.33
|
売上高:$18.24M
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財務比率
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損益計算書
直近12ヶ月
データなし