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FVCBFVCBankcorp, Inc.$16.79$302M
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FVCB logoFVCBankcorp, Inc.(FVCB)Earnings, Financials & Key Ratios

FVCB•NASDAQ•Banking & Credit
13.9× P/E·Price updated Jun 13, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutFVCBankcorp, Inc. operates as the holding company for FVCbank that provides various banking products and services in Virginia. It offers deposit products, including interest and noninterest-bearing transaction accounts, checking and savings accounts, money market accounts, and certificates of deposit. The company also provides commercial real estate loans; commercial construction loans; commercial loans for various business purposes, such as for working capital, equipment purchases, lines of credit, and government contract financing; small business administration loans; asset-based loans and accounts receivable financing; home equity loans; and consumer loans. 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 serves the banking needs of commercial businesses, nonprofit organizations, professional service entities, and their respective owners and employees located in the greater Washington, D.C., and Baltimore metropolitan areas. It operates a network of 9 additional branch offices in Arlington, Virginia; the independent city of Manassas, Virginia; Reston, Fairfax County, Virginia; Springfield, Fairfax County in Virginia; Montgomery County and Baltimore in Maryland, and Washington, D.C. FVCBankcorp, Inc. was founded in 2007 and is headquartered in Fairfax, Virginia.Show more
  • Net Interest Income$64M+16.0%
  • Total Revenue$122M+9.4%
  • Net Income$22M+46.4%
  • Return on Equity9.02%+35.5%
  • Net Interest Margin2.78%+11.3%
  • Efficiency Ratio30.79%+8.9%
  • ROA0.98%+43.1%
  • Equity / Assets11.06%+3.4%
  • Book Value per Share13.89+8.6%
  • Tangible BV/Share13.49+8.9%
  • Debt/Equity0.10-69.3%

FVCB Key Insights

FVCBankcorp, Inc. (FVCB) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Company is almost debt free
  • ✓Strong Piotroski F-Score: 9/9
  • ✓Efficient operations: 30.8% efficiency ratio
  • ✓Well capitalized: 11.1% equity/assets
  • ✓Trading at only 1.2x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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FVCB Price & Volume

FVCBankcorp, Inc. (FVCB) stock price & volume — 10-year historical chart

Loading chart...

FVCB Growth Metrics

FVCBankcorp, Inc. (FVCB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years16.1%
5 Years12.11%
3 Years13.46%
TTM-

Profit CAGR

10 Years15.07%
5 Years7.31%
3 Years-4.07%
TTM46.43%

EPS CAGR

10 Years11.43%
5 Years6.58%
3 Years-3.58%
TTM46.99%

Return on Capital

10 Years9.07%
5 Years7.78%
3 Years4.72%
Last Year3.86%

FVCB Recent Earnings

FVCBankcorp, Inc. (FVCB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 5/12 qtrs (56%)●Beat Revenue 3/12 qtrs (33%)
Q2 2026Latest
Apr 21, 2026
EPS
$0.35
Est $0.33
+6.1%
Revenue
$18M
Est $18M
+0.2%
Q2 2026
Mar 16, 2026
EPS
$0.31
Revenue
$32M
Q1 2026
Jan 20, 2026
EPS
$0.31
Est $0.31
+0.0%
Revenue
$18M
Est $18M
+1.6%
Q4 2025
Oct 21, 2025
EPS
$0.31
Est $0.31
+0.0%
Revenue
$17M
Est $17M
-3.4%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 21, 2026
$0.35vs $0.33+6.1%
$18Mvs $18M+0.2%
Q2 2026Mar 16, 2026
$0.31
$32M
Q1 2026Jan 20, 2026
$0.31vs $0.31+0.0%
$18Mvs $18M+1.6%
Q4 2025Oct 21, 2025
$0.31vs $0.31+0.0%
$17Mvs $17M-3.4%
Based on last 12 quarters of dataView full earnings history →

FVCB Peer Comparison

FVCBankcorp, Inc. (FVCB) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
CZWI logoCZWICitizens Community Bancorp, Inc.Direct Competitor206.63M21.4614.70-9.41%16.01%7.81%0.28
MNSB logoMNSBMainStreet Bancshares, Inc.Direct Competitor183.64M24.9314.16-1.44%11.53%7.26%0.32
CHMG logoCHMGChemung Financial CorporationDirect Competitor348.82M72.5123.16-6.46%10.79%6.27%0.02
NBTB logoNBTBNBT Bancorp Inc.Product Competitor2.52B48.1814.4710.36%18.76%9.51%0.17
FXNC logoFXNCFirst National CorporationProduct Competitor272.95M30.1915.4027.11%15.35%9.98%0.23
BSVN logoBSVNBank7 Corp.Product Competitor446.2M46.4810.33-3.87%31.38%18.21%
NECB logoNECBNortheast Community Bancorp, Inc.Product Competitor359.41M25.987.99-1.55%28.41%13.07%0.21
PBFS logoPBFSPioneer Bancorp, Inc.Product Competitor423.05M16.8722.20-10.72%15.32%6.19%

Compare FVCB vs Peers

FVCBankcorp, Inc. (FVCB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CZWI

Most directly comparable listed peer for FVCB.

Scale Benchmark

vs FISV

Larger-name benchmark to compare FVCB against a more recognizable public peer.

Peer Set

Compare Top 5

vs CZWI, MNSB, CHMG, NBTB

FVCB Income Statement

FVCBankcorp, Inc. (FVCB) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
31.88M39.52M47.74M52.28M57.62M64.84M53.75M54.98M63.77M
NII Growth %
17.96%23.96%20.8%9.5%10.22%12.53%-17.1%2.28%15.99%
Net Interest Margin %
3.03%2.92%3.11%2.87%2.62%2.77%2.45%2.5%2.78%
Interest Income
40.08M51.63M66.41M66.76M68.1M80.27M105.97M112.7M118.4M
Interest Expense
8.2M12.11M18.67M14.48M10.48M15.44M52.22M57.72M54.63M
Loan Loss Provision
1.2M1.92M1.72M5.02M-500K2.63M132K6K1.59M
Non-Interest Income
2.67M1.28M1.95M2.15M3.4M3.27M-14.11M-1.12M3.64M
Non-Interest Income %
6.25%2.42%2.86%3.11%4.76%3.92%-15.36%-1%2.98%
Total Revenue
42.75M▲ 0%
52.91M▲ 23.8%
68.36M▲ 29.2%
68.91M▲ 0.8%
71.5M▲ 3.8%
83.55M▲ 16.8%
91.86M▲ 9.9%
111.58M▲ 21.5%
122.03M▲ 9.4%
Revenue Growth %
28.54%23.77%29.2%0.79%3.77%16.85%9.95%21.47%9.37%
Non-Interest Expense
18.82M25.78M27.96M29.75M33.31M34.49M35.28M31.55M37.57M
Efficiency Ratio
44.02%48.71%40.9%43.18%46.59%41.28%38.4%28.28%30.79%
Operating Income
14.54M▲ 0%
13.11M▼ 9.8%
20.01M▲ 52.7%
19.66M▼ 1.8%
28.21M▲ 43.5%
30.99M▲ 9.9%
4.23M▼ 86.3%
22.3M▲ 426.9%
28.25M▲ 26.7%
Operating Margin %
34%24.77%29.27%28.53%39.45%37.09%4.61%19.98%23.15%
Operating Income Growth %
38.38%-9.82%52.68%-1.77%43.51%9.86%-86.34%426.87%26.69%
Pretax Income
14.54M▲ 0%
13.11M▼ 9.8%
20.01M▲ 52.7%
19.66M▼ 1.8%
28.21M▲ 43.5%
30.99M▲ 9.9%
4.23M▼ 86.3%
22.3M▲ 426.9%
28.25M▲ 26.7%
Pretax Margin %
34%24.77%29.27%28.53%39.45%37.09%4.61%19.98%23.15%
Income Tax
6.85M2.24M4.18M4.16M6.28M6M410K7.23M6.19M
Effective Tax Rate %
47.1%17.07%20.91%21.14%22.25%19.38%9.69%32.44%21.91%
Net Income
7.69M▲ 0%
10.87M▲ 41.3%
15.83M▲ 45.6%
15.5M▼ 2.1%
21.93M▲ 41.5%
24.98M▲ 13.9%
3.82M▼ 84.7%
15.06M▲ 294.1%
22.06M▲ 46.4%
Net Margin %
17.99%20.54%23.15%22.5%30.67%29.9%4.16%13.5%18.07%
Net Income Growth %
10.92%41.34%45.63%-2.07%41.49%13.91%-84.7%294.14%46.42%
Net Income (Continuing)
7.69M10.87M15.83M15.5M21.93M24.98M3.82M15.06M22.06M
EPS (Diluted)
0.53▲ 0%
0.68▲ 28.3%
0.85▲ 25.0%
0.88▲ 3.5%
1.20▲ 36.4%
1.35▲ 12.5%
0.21▼ 84.4%
0.82▲ 290.5%
1.21▲ 47.6%
EPS Growth %
3.92%28.3%25%3.53%36.36%12.5%-84.44%290.48%47.56%
EPS (Basic)
0.590.740.920.921.291.430.220.831.22
Diluted Shares Outstanding
14.43M16.03M18.53M17.67M18.23M18.48M18.23M18.4M18.26M

FVCB Balance Sheet

FVCBankcorp, Inc. (FVCB) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
138.52M167.03M174.47M267.21M598.57M359.62M232.12M247.43M159.11M
Cash & Due from Banks
22.57M43.49M33.14M141.06M240.96M81.55M60.52M90.95M5.68M
Short Term Investments
115.95M123.54M141.32M126.15M357.61M278.07M171.59M156.47M153.42M
Total Investments
998.66M1.25B1.41B1.58B1.85B2.1B1.98B2.01B2.2B
Investments Growth %
14.05%25.46%12.79%11.64%17.14%13.79%-5.76%1.38%9.68%
Long-Term Investments
882.71M1.13B1.27B1.45B1.49B1.82B1.81B1.85B2.08B
Accounts Receivables
2.96M4.05M4.09M9.13M8.07M9.44M10.32M10.31M10.28M
Goodwill & Intangibles
99K8.44M8.69M8.36M8.05M7.79M7.58M7.42M7.29M
Goodwill
4006.51M7.16M7.16M7.16M7.16M7.16M7.16M7.16M
Intangible Assets
98.6K1.93M1.53M1.2M895K633K428K263K138K
PP&E (Net)
1.24M2.27M15.36M12.78M11.75M10.9M9.39M7.98M693K
Other Assets
23.84M30.95M54.7M63.43M76.17M110.11M102.86M56.75M-2.08B
Total Current Assets
142.18M171.97M179.11M276.97M608.04M372.33M245.94M261.15M159.11M
Total Non-Current Assets
911.04M1.18B1.36B1.54B1.59B1.97B1.94B1.94B7.99M
Total Assets
1.05B▲ 0%
1.35B▲ 28.3%
1.54B▲ 13.7%
1.82B▲ 18.5%
2.2B▲ 20.9%
2.34B▲ 6.4%
2.19B▼ 6.6%
2.2B▲ 0.4%
2.29B▲ 4.2%
Asset Growth %
15.83%28.33%13.74%18.49%20.94%6.42%-6.56%0.38%4.24%
Return on Assets (ROA)
0.78%0.9%1.1%0.92%1.09%1.1%0.17%0.69%0.98%
Accounts Payable
417K811K605K685K1.03M1.27M2.42M2.5M2.08M
Total Debt
24.33M24.41M63.17M81.21M55.62M294.96M113.86M76.33M25.24M
Net Debt
1.76M-19.09M30.03M-59.85M-185.34M213.41M53.34M-14.62M19.55M
Long-Term Debt
24.33M24.41M24.49M44.09M19.51M19.57M19.62M18.7M18.75M
Short-Term Debt
0025M25M25M265M85M50M1.8M
Other Liabilities
000000602K14.15M2.02B
Total Current Liabilities
930.61M1.17B1.32B1.58B1.96B2.11B1.94B1.92B1.1B
Total Non-Current Liabilities
24.33M24.41M38.17M56.21M30.62M29.96M29.46M40.49M2.04B
Total Liabilities
954.94M1.19B1.36B1.63B1.99B2.14B1.97B1.96B2.04B
Total Equity
98.28M▲ 0%
158.34M▲ 61.1%
179.08M▲ 13.1%
189.5M▲ 5.8%
209.8M▲ 10.7%
202.38M▼ 3.5%
217.12M▲ 7.3%
235.35M▲ 8.4%
253.6M▲ 7.8%
Equity Growth %
23.14%61.1%13.1%5.82%10.71%-3.53%7.28%8.4%7.75%
Equity / Assets (Capital Ratio)
9.33%11.71%11.65%10.4%9.52%8.63%9.91%10.7%11.06%
Return on Equity (ROE)
8.64%8.47%9.38%8.41%10.99%12.12%1.82%6.66%9.02%
Book Value per Share
6.819.889.6610.7311.5110.9511.9112.7913.89
Tangible BV per Share
6.809.359.1910.2511.0710.5311.4912.3913.49
Common Stock
109K137K139K135K137K175K178K182K179K
Additional Paid-in Capital
74.01M123.88M125.78M119.57M121.8M123.89M125.21M127.47M122.14M
Retained Earnings
25.86M36.73M52.47M67.97M89.9M114.89M115.89M130.97M150.86M
Accumulated OCI
-1.69M-2.41M690K1.83M-2.04M-36.57M-24.16M-23.27M-19.58M
Treasury Stock
000000000
Preferred Stock
000000000

FVCB Cash Flow Statement

FVCBankcorp, Inc. (FVCB) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
10.49M13.34M19.43M14.87M19.45M22.39M16.27M18.23M23.86M
Operating CF Growth %
11.4%27.13%45.62%-23.48%30.81%15.16%-27.34%12.07%30.86%
Net Income
7.69M10.87M15.83M15.5M21.93M24.98M3.82M15.06M22.06M
Depreciation & Amortization
556K615K1.03M960K860K686K595K445K0
Deferred Taxes
1.33M-866K185K-1.16M1.01M521K1.06M1.16M0
Other Non-Cash Items
422K3.03M1.93M2.73M-8.45M-446K14.01M-1.85M1.01M
Working Capital Changes
-129K-1.01M-218K-3.86M3.08M-4.54M-4.36M2.63M794K
Cash from Investing
-143.67M-114.26M-163.63M-268.3M-344.34M-225.83M149.23M-8.92M-94.66M
Purchase of Investments
-22.14M-37.04M-36.62M-34.8M-245.73M-47.16M0-1.88M0
Sale/Maturity of Investments
17.84M40.2M24.05M51.73M48.01M37.08M107.72M15.47M0
Net Investment Activity
-4.3M3.15M-12.57M16.93M-197.72M-10.08M107.72M13.58M0
Acquisitions
05.17M00-22.2M0000
Other Investing
-138.87M-121.84M-150.75M-284.88M-123.93M-215.58M41.72M-22.36M-94.66M
Cash from Financing
135.43M102.93M149.68M259.36M328.67M186.08M-164.71M-9.19M68.32M
Dividends Paid
00000000-2.17M
Share Repurchases
-4K00-7.28M0-730K-1.46M0-6.68M
Stock Issued
10.26M34.62M1.22M375K1.22M1.67M1.74M1.66M545K
Net Stock Activity
10.26M34.62M1.22M-6.91M1.22M943K284K1.66M-6.13M
Debt Issuance (Net)
-1000K-1000K1000K1000K-1000K1000K-1000K-1000K-1000K
Other Financing
152.17M95.89M133.46M236.75M351.26M-23.61M-14.99M25.13M126.62M
Net Change in Cash
2.25M▲ 0%
2.01M▼ 10.9%
5.48M▲ 173.1%
5.92M▲ 8.0%
3.78M▼ 36.2%
-17.36M▼ 559.5%
789K▲ 104.5%
119K▼ 84.9%
-2.48M▼ 2181.5%
Exchange Rate Effect
000000000
Cash at Beginning
5.17M7.43M9.44M14.92M20.84M24.61M7.25M8.04M8.16M
Cash at End
7.43M9.44M14.92M20.84M24.61M7.25M8.04M8.16M5.68M
Interest Paid
7.95M000015.14M51.02M57.57M0
Income Taxes Paid
5.93M00006.07M2.36M5.58M5.43M
Free Cash Flow
9.99M▲ 0%
12.6M▲ 26.1%
19.12M▲ 51.7%
14.51M▼ 24.1%
18.96M▲ 30.7%
22.23M▲ 17.2%
16.06M▼ 27.8%
18.09M▲ 12.7%
23.86M▲ 31.9%
FCF Growth %
9.35%26.08%51.74%-24.08%30.65%17.23%-27.76%12.67%31.88%

FVCB Banking Ratios

FVCBankcorp, Inc. (FVCB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)9.09%8.64%8.47%9.38%8.41%10.99%12.12%1.82%6.66%9.02%
Return on Assets (ROA)0.84%0.78%0.9%1.1%0.92%1.09%1.1%0.17%0.69%0.98%
Net Interest Margin2.97%3.03%2.92%3.11%2.87%2.62%2.77%2.45%2.5%2.78%
Efficiency Ratio47.8%44.02%48.71%40.9%43.18%46.59%41.28%38.4%28.28%30.79%
Equity / Assets8.78%9.33%11.71%11.65%10.4%9.52%8.63%9.91%10.7%11.06%
Book Value / Share5.856.819.889.6610.7311.5110.9511.9112.7913.89
NII Growth18.83%17.96%23.96%20.8%9.5%10.22%12.53%-17.1%2.28%15.99%
Dividend Payout---------9.82%
Related:FVCB Dividend History·FVCB Revenue History·FVCB Price History·FVCB P/E History·FVCB Financial Ratios·FVCB Institutional Holders

FVCB SEC Filings & Documents

FVCBankcorp, Inc. (FVCB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 21, 2026·SEC

Material company update

Mar 20, 2026·SEC

Material company update

Feb 12, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 16, 2026·SEC

FY 2025

Mar 20, 2025·SEC

FY 2024

Mar 21, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 12, 2025·SEC

FY 2025

Aug 13, 2025·SEC

FY 2025

May 14, 2025·SEC

FVCB Frequently Asked Questions

FVCBankcorp, Inc. (FVCB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

FVCBankcorp, Inc. (FVCB) grew revenue by 9.4% over the past year. This is steady growth.

Yes, FVCBankcorp, Inc. (FVCB) is profitable, generating $22.1M in net income for fiscal year 2025 (18.1% net margin).

Dividend & Returns

Yes, FVCBankcorp, Inc. (FVCB) pays a dividend with a yield of 0.71%. This makes it attractive for income-focused investors.

FVCBankcorp, Inc. (FVCB) has a return on equity (ROE) of 9.0%. This is below average, suggesting room for improvement.

Industry Metrics

FVCBankcorp, Inc. (FVCB) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.

FVCBankcorp, Inc. (FVCB) has an efficiency ratio of 30.8%. This is excellent, indicating strong cost control.

What if you invested $1,000 in FVCB back in 2012?

Total return calculator · dividends reinvested · 14+ years of data

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How much would $100/month in FVCB be worth today?

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