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FVCB stock ticker logo

FVCBankcorp, Inc.

NASDAQ•FVCB
執行長: Mr. David W. Pijor Esq.
板塊: Financial Services
行業: 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.
聯絡資訊
11325 Random Hills Road, Suite 240, Fairfax, VA, 22030, United States
703-436-3800
www.fvcbank.com
市值
$279.53M
本益比 (TTM)
12.7
15.6
股息率
1.2%
52周最高
$17.94
52周最低
$9.79
52周範圍
71%
排名43Top 50.7%
3.8
F-Score
改良版 Piotroski 分析
基於 10 年期基本面
疲弱 • 3.8 / 9 分
評分區間 (0-9)
8-9: 價值優異
6-7: 基本面強勁
4-5: 整體穩健
0-3: 表現疲弱
資料區間: 2016-2025

財務儀表板

Q4 2025 數據

營業收入

$31.51M+9.74%
近4季度走勢

每股收益

$0.31+14.82%
近4季度走勢

自由現金流

$7.57M-100.00%
近4季度走勢

2025 Annual 財報亮點

核心亮點

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.

關注風險

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.

未來展望

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.

同行對比

營業收入 (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%

毛利率 (最新季度)

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

關鍵指標

股票代碼
市值
本益比 (TTM)
股東權益報酬率 (TTM)
負債率
OVLY$294.98M12.112.3%0.4%
WNEB$285.07M18.56.3%3.2%
ISTR$282.09M12.38.3%5.4%

長期趨勢

近4季度
營業收入
淨利
營運現金流
4季度營業收入複合增長率
4.0%
溫和增長
4季度淨利複合增長率
3.0%
盈利能力緩慢提升
現金流穩定性
100%
現金流表現優異

深度研究

下次財報:2026年4月20日
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