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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
$280.61M
PER (TTM)
12.7
15.6
配当利回り
1.2%
52週高値
$17.94
52週安値
$9.79
52週レンジ
71%
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

$7.57M-100.00%
直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

Strong Net Income Growth GAAP Net Income reached $22.1M in 2025, marking a substantial 46% increase over $15.1M reported in 2024, driven by better margins.
Net Interest Margin Expansion NIM improved significantly by 30 basis points to 2.92% in 2025, driven by lower funding costs outpacing asset yield changes across the portfolio.
Asset Quality Shows Improvement Nonperforming loan ratio decreased to 0.55% of net loans in 2025 from 0.69% in 2024; provision for credit losses increased to $1.6M.
Deposits and Assets Grew Total assets grew to $2.29B, supported by a 7% increase in total deposits, reaching $2.00B by year-end 2025, reflecting strong core deposit retention.

リスク要因

Local Economic Sensitivity Business concentration in Washington D.C./Baltimore MSAs exposes performance to adverse local economic, political, or environmental conditions impacting loan quality.
CRE Portfolio Concentration Commercial Real Estate loans comprise 61% of net loans, creating heightened risk if regional real estate markets experience significant downturns or volatility.
Interest Rate Environment Risk Profitability remains highly sensitive to interest rate policies; rapid changes could compress net interest income if deposit costs rise faster than loan yields.
Cybersecurity and Tech Risks Significant reliance on third-party IT systems creates operational risk; system failures or security breaches could severely disrupt operations and damage reputation.

見通し

Focus on Organic Growth Strategy emphasizes organic expansion through customer acquisition and selective branching, aiming to increase market share while maintaining strong asset quality.
Strong Capital Adequacy Maintained Bank capital ratios remain robust, with Tangible Common Equity at 11.38%, well exceeding minimum regulatory requirements under Prompt Corrective Action rules.
Managing Credit Loss Provision Management expects continued monitoring of credit quality, anticipating potential need for further ACL additions based on loan growth and economic forecasts.
Adapting to Regulatory Changes Company must dedicate resources to comply with evolving federal regulations, including cybersecurity disclosure rules and ongoing changes to capital standards.

同業比較

売上高 (TTM)

CFFI stock ticker logoCFFI
$183.79M
+10.1%
ISTR stock ticker logoISTR
$170.24M
+9.9%
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
OVLY$295.06M12.112.3%0.4%
ISTR$292.81M14.29.0%5.0%
WNEB$283.65M18.46.3%3.2%

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
100%
優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月28日
|
EPS:$0.33
|
売上高:$18.24M
財務データ
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財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書
直近12ヶ月
データなし