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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
$278.53M
本益比 (TTM)
12.6
14.1
股息率
1.2%
52周最高
$17.94
52周最低
$9.49
52周範圍
70%
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

$0.00-100.00%
近4季度走勢

2025 Q3 財報亮點

核心亮點

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.

關注風險

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.

未來展望

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
FVCB$278.53M12.68.9%0.8%
OVLY$278.15M11.412.7%0.0%
ISTR$277.71M12.18.3%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
75%
現金流波動較大

深度研究

下次財報:2026年4月16日
|
每股收益:$0.33
|
營業收入:$18.24M
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