FVCBankcorp, Inc.
NASDAQ•FVCB
CEO: Mr. David W. Pijor Esq.
板块: Financial Services
行业: Banks - Regional
上市日期: 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.
联系方式
市值
$278.53M
市盈率 (TTM)
12.6
14.1
股息率
1.2%
52周最高
$17.94
52周最低
$9.49
52周范围
排名43Top 50.7%
3.8
F-Score
改良版 Piotroski 分析
基于 10 年期基本面
疲弱 • 3.8 / 9 分
评分区间 (0-9)
8-9: 价值优异
6-7: 基本面强劲
4-5: 整体稳健
0-3: 表现疲弱
数据范围: 2016-2025
财务仪表盘
Q4 2025 数据
营业收入
$31.51M+9.74%
近4季度走势
每股收益
$0.31+14.82%
近4季度走势
自由现金流
$0.00-100.00%
近4季度走势
2025 Q3 财报亮点
核心亮点
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.
关注风险
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.
前瞻展望
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.
同行对比
营业收入 (TTM)
$183.79M
$153.49M
$146.33M
毛利率 (最新季度)
95.9%
91.8%
72.6%
关键指标
股票代码 | 市值 | 市盈率 (TTM) | 净资产收益率 (TTM) | 负债率 |
|---|---|---|---|---|
| FVCB | $278.53M | 12.6 | 8.9% | 0.8% |
| OVLY | $278.15M | 11.4 | 12.7% | 0.0% |
| ISTR | $277.71M | 12.1 | 8.3% | 5.4% |
长期趋势
近4季度
营业收入
净利润
经营现金流
4季度营收复合增长率
4.0%
温和增长
4季度净利润复合增长率
3.0%
盈利能力缓慢改善
现金流稳定性
75%
现金流波动较大
深度研究
下次财报:2026年4月16日
每股收益:$0.33
|营业收入:$18.24M
财务数据
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财务报告
新闻
利润表
资产负债表
现金流量表
财务比率
变化率
利润表 | 过去12个月 |
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