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
$278.28M
市盈率 (TTM)
12.6
15.4
股息率
1.2%
52周最高
$17.94
52周最低
$9.64
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
$7.57M-100.00%
近4季度走势
2025 Annual 财报亮点
核心亮点
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.
关注风险
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.
前瞻展望
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 |
|---|---|---|---|---|
| OVLY | $292.12M | 12.0 | 12.3% | 0.4% |
| WNEB | $281.62M | 18.3 | 6.3% | 3.2% |
| ISTR | $280.23M | 12.2 | 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
100%
现金流表现优异
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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利润表
资产负债表
现金流量表
财务比率
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利润表 | 过去12个月 |
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