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Fvcbankcorp (FVCB) Financials

Fvcbankcorp logo
$17.43 -0.16 (-0.91%)
Closing price 09/30/2026 04:00 PM Eastern
Extended Trading
$17.43 0.00 (0.00%)
As of 04:07 AM Eastern
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Annual Income Statements for Fvcbankcorp

Annual Income Statements for Fvcbankcorp

This table shows Fvcbankcorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 7.69 11 16 16 22 25 3.82 15 22
Consolidated Net Income / (Loss)		 7.69 11 16 16 22 25 3.82 15 22
Net Income / (Loss) Continuing Operations		 7.69 11 16 16 22 25 3.82 15 22
Total Pre-Tax Income 		15 13 20 20 28 31 4.23 22 28
Total Revenue		 35 41 51 56 62 68 42 58 66
Net Interest Income / (Expense)		 32 40 48 53 58 65 54 56 64
Total Interest Income		 40 52 67 67 68 81 107 113 118
Loans and Leases Interest Income		 38 48 62 63 64 74 98 107 109
Investment Securities Interest Income		 2.71 3.11 3.85 3.50 4.19 6.37 5.60 4.35 4.10
Deposits and Money Market Investments Interest Income		 0.09 0.60 0.71 0.15 0.26 0.69 2.64 2.29 5.38
Total Interest Expense		 8.20 12 19 14 10 15 52 58 55
Deposits Interest Expense		 6.42 10 17 12 7.60 12 47 53 52
Short-Term Borrowings Interest Expense		 0.19 0.07 - 0.27 0.35 - 3.83 3.49 1.47
Long-Term Debt Interest Expense		 1.58 1.65 1.70 1.80 2.53 2.28 1.03 1.03 1.13
Federal Funds Purchased and Securities Sold Interest Expense		 0.01 0.03 0.15 0.08 0.00 0.69 0.01 0.00 0.00
Total Non-Interest Income		 2.98 1.66 2.55 2.89 4.30 2.87 -12 2.16 2.39
Service Charges on Deposit Accounts		 0.55 0.64 0.89 1.01 1.03 0.95 1.03 1.13 1.25
Other Service Charges		 0.33 1.05 1.14 1.08 0.82 0.71 0.84 0.64 0.76
Net Realized & Unrealized Capital Gains on Investments		 1.24 -0.46 -0.14 -0.31 1.46 0.00 -16 0.00 0.09
Other Non-Interest Income		 0.86 0.44 0.66 1.11 0.99 1.20 1.45 0.40 0.29
Provision for Credit Losses		 1.20 1.92 1.72 5.02 -0.50 2.63 0.13 0.01 1.59
Total Non-Interest Expense		 19 26 29 31 35 34 37 36 38
Salaries and Employee Benefits		 12 14 17 17 19 20 21 19 20
Net Occupancy & Equipment Expense		 3.33 3.76 5.04 5.36 5.49 4.49 4.83 4.75 4.34
Marketing Expense		 0.38 0.34 0.40 - - - 0.72 0.97 0.80
Property & Liability Insurance Claims		 0.90 1.12 1.07 1.73 2.26 1.83 1.43 1.32 1.10
Other Operating Expenses		 3.06 3.77 4.81 5.91 6.29 7.31 8.83 9.87 11
Amortization Expense		 0.02 0.12 0.39 0.35 0.31 0.39 0.21 0.17 0.13
Nonoperating Income / (Expense), net		 - - - - - -0.03 -1.11 0.38 1.25
Income Tax Expense		 6.85 2.24 4.18 4.16 6.28 6.01 0.41 7.23 6.19
Basic Earnings per Share		 $0.74 $0.93 $1.15 $1.14 $1.29 $1.43 $0.22 $0.83 $1.22
Weighted Average Basic Shares Outstanding		 - 13.76M 13.47M 13.64M 13.93M 17.67M 17.88M 18.38M 17.94M
Diluted Earnings per Share		 $0.67 $0.85 $1.07 $1.10 $1.20 $1.35 $0.21 $0.82 $1.21
Weighted Average Diluted Shares Outstanding		 - 13.76M 13.47M 13.64M 13.93M 17.67M 17.88M 18.38M 17.94M
Weighted Average Basic & Diluted Shares Outstanding		 - 13.76M 13.47M 13.64M 13.93M 17.67M 17.88M 18.38M 17.94M

Quarterly Income Statements for Fvcbankcorp

This table shows Fvcbankcorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 -5.07 1.34 4.16 4.67 4.90 5.17 5.67 5.58 5.65 6.39 7.38
Consolidated Net Income / (Loss)		 -5.07 1.34 4.16 4.67 4.90 5.17 5.67 5.58 5.65 6.39 8.22
Net Income / (Loss) Continuing Operations		 -5.07 1.34 4.16 4.67 4.90 5.17 5.67 5.58 5.65 6.39 7.38
Total Pre-Tax Income 		-6.60 4.56 5.34 6.03 6.36 6.39 7.23 7.22 7.40 8.25 10
Total Revenue		 3.13 13 14 15 15 16 17 17 17 18 20
Net Interest Income / (Expense)		 13 13 14 14 15 15 16 16 17 17 19
Total Interest Income		 27 27 28 29 29 29 29 30 31 30 31
Loans and Leases Interest Income		 25 25 26 27 28 27 27 27 28 28 29
Investment Securities Interest Income		 1.28 1.14 1.11 1.05 1.05 1.04 1.04 1.03 1.00 0.96 0.94
Deposits and Money Market Investments Interest Income		 0.62 0.37 0.40 0.80 0.72 0.96 1.36 1.82 1.24 0.48 0.67
Total Interest Expense		 14 14 14 15 14 14 14 14 14 12 12
Deposits Interest Expense		 13 13 13 14 14 13 13 13 13 12 11
Short-Term Borrowings Interest Expense		 0.98 1.24 1.15 0.56 - 0.47 0.47 0.48 0.05 0.15 0.10
Long-Term Debt Interest Expense		 0.26 0.26 0.26 0.26 -0.98 0.25 0.25 0.25 0.40 0.57 0.48
Federal Funds Purchased and Securities Sold Interest Expense		 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00
Total Non-Interest Income		 -9.53 0.60 0.52 0.82 0.23 0.53 1.01 1.03 0.17 0.64 0.71
Service Charges on Deposit Accounts		 0.30 0.26 0.28 0.30 0.29 0.27 0.28 0.32 0.38 0.36 0.43
Other Service Charges		 0.77 0.15 0.18 0.44 0.15 0.19 0.50 0.64 -0.22 0.21 0.21
Net Realized & Unrealized Capital Gains on Investments		 -11 0.00 0.00 0.00 -0.28 0.00 0.15 0.00 -0.06 0.00 0.00
Other Non-Interest Income		 0.39 0.19 0.07 0.07 0.07 0.07 0.07 0.07 0.08 0.07 0.07
Provision for Credit Losses		 0.00 0.00 0.21 -0.20 - 0.20 0.11 0.38 0.91 0.17 0.24
Total Non-Interest Expense		 9.40 8.63 9.00 9.20 9.00 9.13 9.43 9.47 9.54 9.87 11
Salaries and Employee Benefits		 5.27 4.53 4.69 4.85 4.68 4.78 5.04 5.12 5.19 5.44 5.93
Net Occupancy & Equipment Expense		 1.21 1.16 1.18 1.19 1.22 1.15 1.09 1.08 1.03 1.16 1.21
Marketing Expense		 0.20 0.20 0.26 0.28 0.22 0.17 0.25 0.21 0.17 0.16 0.30
Property & Liability Insurance Claims		 0.28 0.35 0.38 0.36 -0.00 0.33 0.29 0.24 0.24 0.33 0.19
Other Operating Expenses		 2.43 2.34 2.44 2.47 2.85 2.67 2.73 2.80 2.88 2.76 2.94
Amortization Expense		 0.02 0.05 0.04 0.04 0.04 0.04 0.03 0.03 0.03 0.03 0.02
Nonoperating Income / (Expense), net		 - -0.20 0.35 - - 0.14 - - - 0.24 0.60
Income Tax Expense		 -1.53 3.22 1.18 1.36 1.46 1.23 1.57 1.64 1.76 1.86 2.25
Basic Earnings per Share		 ($0.28) $0.08 $0.23 $0.26 $0.27 $0.28 $0.31 $0.31 $0.32 $0.36 $0.46
Weighted Average Basic Shares Outstanding		 17.88M 17.98M 18.19M 18.20M 18.38M 17.99M 18.05M 18.07M 17.94M 18.00M 18.03M
Diluted Earnings per Share		 ($0.28) $0.07 $0.23 $0.25 $0.27 $0.28 $0.31 $0.31 $0.31 $0.35 $0.45
Weighted Average Diluted Shares Outstanding		 17.88M 17.98M 18.19M 18.20M 18.38M 17.99M 18.05M 18.07M 17.94M 18.00M 18.03M
Weighted Average Basic & Diluted Shares Outstanding		 17.88M 17.98M 18.19M 18.20M 18.38M 17.99M 18.05M 18.07M 17.94M 18.00M 18.03M

Annual Cash Flow Statements for Fvcbankcorp

This table details how cash moves in and out of Fvcbankcorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 2.25 -26 5.48 5.92 3.78 -17 0.79 0.12 -2.48
Net Cash From Operating Activities		 10 13 19 15 19 22 16 18 24
Net Cash From Continuing Operating Activities		 10 14 19 15 19 22 16 18 24
Net Income / (Loss) Continuing Operations		 7.69 11 16 16 22 25 3.82 15 22
Consolidated Net Income / (Loss)		 7.69 11 16 16 22 25 3.82 15 22
Provision For Loan Losses		 1.20 - 1.72 5.02 -0.50 2.63 0.13 0.01 1.59
Depreciation Expense		 0.54 0.50 0.64 0.62 0.56 0.42 0.39 0.28 0.21
Amortization Expense		 1.34 1.20 1.11 -2.93 -4.95 -1.52 -1.30 -1.07 0.01
Non-Cash Adjustments to Reconcile Net Income		 -0.14 1.73 0.34 0.52 -0.68 0.41 18 1.32 -0.80
Changes in Operating Assets and Liabilities, net		 -0.13 -1.01 -0.22 -3.86 3.08 -4.54 -4.36 2.63 0.79
Net Cash From Investing Activities		 -144 -114 -164 -268 -344 -226 149 -8.92 -95
Net Cash From Continuing Investing Activities		 -144 -143 -164 -268 -344 -226 149 -8.92 -95
Purchase of Property, Leasehold Improvements and Equipment		 -0.50 - -0.31 -0.35 -0.49 -0.17 -0.21 -0.14 -0.05
Purchase of Investment Securities		 -162 -15 -204 -319 -300 -397 14 -43 -74
Sale and/or Maturity of Investments		 19 161 40 51 -44 180 130 33 -23
Other Investing Activities, net		 - - - - - -9.24 6.12 1.30 2.74
Net Cash From Financing Activities		 135 103 150 259 329 186 -165 -9.19 68
Net Cash From Continuing Financing Activities		 135 103 150 259 329 186 -165 -9.19 68
Net Change in Deposits		 152 96 123 247 351 -54 15 25 127
Issuance of Debt		 - - 0.00 30 0.00 - 0.00 -0.98 0.00
Issuance of Common Equity		 10 35 1.22 0.38 1.22 1.67 1.74 1.66 0.55
Repayment of Debt		 -27 -28 - 0.00 -24 209 -150 -35 -50
Repurchase of Common Equity		 - - 0.00 -7.28 0.00 -0.73 -1.46 0.00 -6.68
Payment of Dividends		 - - - - - - - 0.00 -2.17
Other Financing Activities, Net		 -0.00 - 25 -10 0.00 30 -30 -0.18 -0.05

Quarterly Cash Flow Statements for Fvcbankcorp

This table details how cash moves in and out of Fvcbankcorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 0.48 -1.11 3.25 -0.14 -1.89 4.80 1.67 0.29 -9.23 3.75 2.80
Net Cash From Operating Activities		 4.53 7.15 1.55 4.68 4.85 5.42 3.29 7.56 7.59 7.63 8.93
Net Cash From Continuing Operating Activities		 4.53 7.15 1.55 4.68 4.85 5.42 3.29 7.56 7.59 7.63 8.93
Net Income / (Loss) Continuing Operations		 -5.07 1.34 4.16 4.67 4.90 5.17 5.67 5.58 5.65 6.39 8.22
Consolidated Net Income / (Loss)		 -5.07 1.34 4.16 4.67 4.90 5.17 5.67 5.58 5.65 6.39 8.22
Provision For Loan Losses		 - 0.00 0.21 -0.20 - 0.20 0.11 0.38 0.91 0.17 0.24
Depreciation Expense		 0.08 0.08 0.07 0.07 0.07 0.06 0.05 0.05 0.05 0.04 0.04
Amortization Expense		 -0.14 -0.26 0.22 -0.63 -0.40 -0.31 0.09 0.07 0.15 0.03 -0.52
Non-Cash Adjustments to Reconcile Net Income		 12 0.15 -0.18 -0.10 1.46 0.01 -0.36 -0.38 -0.07 -0.10 -1.18
Changes in Operating Assets and Liabilities, net		 -2.06 5.85 -2.92 0.87 -1.17 0.29 -2.26 1.86 0.91 1.10 2.13
Net Cash From Investing Activities		 112 7.40 -112 4.43 91 -37 6.19 -81 17 -39 -27
Net Cash From Continuing Investing Activities		 112 7.40 -112 4.43 91 -37 6.19 -81 17 -39 -27
Purchase of Property, Leasehold Improvements and Equipment		 -0.08 -0.01 -0.05 -0.06 -0.02 -0.02 -0.01 -0.00 -0.02 -0.01 -0.01
Purchase of Investment Securities		 36 -24 -34 13 117 -12 12 9.25 -83 18 -18
Sale and/or Maturity of Investments		 77 29 -76 -9.59 -26 -25 -5.37 -90 97 -57 -9.26
Net Cash From Financing Activities		 -116 -16 114 -9.24 -98 36 -7.81 74 -34 35 21
Net Cash From Continuing Financing Activities		 -116 -16 114 -9.24 -98 36 -7.81 74 -34 35 21
Net Change in Deposits		 -151 12 111 -7.98 -90 36 -3.15 74 19 30 24
Issuance of Debt		 - 0.00 - 0.03 -1.02 0.00 - - -0.00 5.65 -0.17
Issuance of Common Equity		 0.03 0.40 1.15 0.12 - 0.24 -0.00 0.31 0.00 0.35 0.84
Repurchase of Common Equity		 -0.01 0.00 - - - 0.00 -4.64 - -2.04 0.00 -2.08
Payment of Dividends		 - - - - - 0.00 - - -1.08 -1.08 -1.27
Other Financing Activities, Net		 - -0.03 -0.49 0.34 -0.00 -0.03 -0.03 -0.00 0.00 -0.02 -0.03

Annual Balance Sheets for Fvcbankcorp

This table presents Fvcbankcorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,053 1,352 1,537 1,821 2,203 2,344 2,191 2,199 2,292
Cash and Due from Banks		 7.43 9.44 15 21 25 7.25 8.04 8.16 5.68
Interest Bearing Deposits at Other Banks		 15 34 18 120 216 74 52 83 122
Trading Account Securities		 118 125 142 126 358 278 172 157 154
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 1.24 2.27 2.08 1.65 1.58 1.22 1.00 0.86 0.69
Intangible Assets		 0.10 8.44 8.69 8.36 8.05 7.79 7.59 7.42 7.30
Other Assets		 31 44 80 93 104 1,975 1,950 1,943 2,003
Total Liabilities & Shareholders' Equity		 1,053 1,352 1,537 1,821 2,203 2,344 2,191 2,199 2,292
Total Liabilities		 955 1,193 1,358 1,632 1,993 2,142 1,973 1,964 2,039
Non-Interest Bearing Deposits		 175 233 306 399 581 438 397 366 363
Interest Bearing Deposits		 753 929 979 1,133 1,302 1,392 1,449 1,505 1,634
Federal Funds Purchased and Securities Sold		 - - 10 - 0.00 30 0.00 0.00 0.00
Accrued Interest Payable		 0.42 0.81 0.61 0.69 1.03 1.27 2.42 2.51 2.08
Other Short-Term Payables		 - 5.58 8.72 18 53 16 11 14 14
Long-Term Debt		 24 24 39 69 45 255 105 69 19
Other Long-Term Liabilities		 2.03 - 14 12 11 10 9.84 8.15 6.96
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 98 158 179 190 210 202 217 235 254
Total Preferred & Common Equity		 98 158 179 190 210 202 217 235 254
Preferred Stock		 - - 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 98 158 179 190 210 202 217 235 254
Common Stock		 74 124 126 120 122 124 125 128 122
Retained Earnings		 26 37 52 68 90 115 116 131 151
Accumulated Other Comprehensive Income / (Loss)		 -1.69 -2.41 0.69 1.83 -2.04 -37 -24 -23 -20

Quarterly Balance Sheets for Fvcbankcorp

This table presents Fvcbankcorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 2,305 2,183 2,299 2,293 2,241 2,237 2,319 2,335 2,367
Cash and Due from Banks		 7.56 6.94 10 10 13 15 15 9.44 12
Interest Bearing Deposits at Other Banks		 89 74 154 168 111 121 214 182 239
Trading Account Securities		 216 167 163 166 159 157 157 151 147
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 1.05 0.93 0.92 0.87 0.81 0.77 0.72 0.66 0.64
Intangible Assets		 7.63 7.54 7.50 7.46 7.39 7.35 7.32 7.27 7.25
Other Assets		 1,983 1,927 1,964 1,942 1,950 1,937 1,925 1,985 1,961
Total Liabilities & Shareholders' Equity		 2,305 2,183 2,299 2,293 2,241 2,237 2,319 2,335 2,367
Total Liabilities		 2,094 1,962 2,073 2,062 1,998 1,994 2,069 2,075 2,101
Non-Interest Bearing Deposits		 427 394 374 357 367 356 374 369 415
Interest Bearing Deposits		 1,569 1,463 1,595 1,604 1,539 1,547 1,603 1,658 1,636
Federal Funds Purchased and Securities Sold		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Interest Payable		 3.03 2.84 3.91 3.31 2.34 2.08 2.70 2.05 2.63
Other Short-Term Payables		 - - 14 13 13 12 13 14 15
Long-Term Debt		 70 77 77 77 69 69 69 24 24
Other Long-Term Liabilities		 26 25 8.96 8.24 7.83 7.79 7.38 6.46 6.29
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 211 221 226 231 242 243 250 260 267
Total Preferred & Common Equity		 211 221 226 231 242 243 250 260 267
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 211 221 226 231 242 243 250 260 267
Common Stock		 125 126 127 127 128 124 124 123 122
Retained Earnings		 121 117 121 126 136 142 146 156 163
Accumulated Other Comprehensive Income / (Loss)		 -35 -22 -22 -23 -22 -22 -21 -19 -18

Annual Metrics And Ratios for Fvcbankcorp

This table displays calculated financial ratios and metrics derived from Fvcbankcorp's official financial filings.

Metric 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 0.00 13,687,569.00 13,875,833.00 13,478,459.00 13,686,865.00 13,991,830.00 17,802,173.00 - 18,074,814.00
DEI Adjusted Shares Outstanding		 0.00 17,109,461.00 17,344,791.00 16,848,074.00 17,108,581.00 17,489,788.00 17,802,173.00 - 18,074,814.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 0.64 0.91 0.92 1.28 1.43 0.21 - 1.22
Growth Metrics		 - - - - - - - - -
Revenue Growth		 0.00% 18.22% 22.02% 9.69% 12.14% 9.42% -38.14% 37.05% 14.57%
EBITDA Growth		 0.00% -9.77% 47.00% -20.30% 37.27% 25.67% -85.18% 376.39% 28.83%
EBIT Growth		 0.00% -9.83% 52.68% -1.77% 43.51% 9.97% -82.78% 310.35% 23.17%
NOPAT Growth		 0.00% 41.36% 45.63% -2.07% 41.49% 14.03% -80.71% 206.98% 42.36%
Net Income Growth		 0.00% 41.34% 45.63% -2.07% 41.49% 13.91% -84.70% 294.14% 46.42%
EPS Growth		 0.00% 26.87% 25.88% 2.80% 41.49% 13.91% -84.44% 290.48% 47.56%
Operating Cash Flow Growth		 0.00% 27.13% 45.62% -23.48% 30.81% 15.16% -27.34% 12.07% 30.86%
Free Cash Flow Firm Growth		 0.00% 0.00% 59.41% -22.63% 206.90% -777.67% 178.83% -76.79% 62.42%
Invested Capital Growth		 0.00% 49.04% 19.60% 18.31% -1.65% 79.68% -29.59% -5.50% -10.43%
Revenue Q/Q Growth		 0.00% 0.00% -19.07% 36.37% 3.57% -1.59% -23.26% 26.26% 3.05%
EBITDA Q/Q Growth		 0.00% 0.00% -31.35% 136.43% 26.88% -5.13% -72.74% 134.78% 4.02%
EBIT Q/Q Growth		 0.00% 0.00% -31.91% 261.54% 7.73% -7.54% -69.62% 130.41% 1.94%
NOPAT Q/Q Growth		 0.00% 0.00% 17.12% 9.08% 7.36% -5.97% -65.03% 190.79% -1.07%
Net Income Q/Q Growth		 0.00% 0.00% 17.12% 9.08% 7.36% -6.07% -72.30% 195.78% 3.50%
EPS Q/Q Growth		 0.00% 0.00% 18.89% 685.71% 0.00% -6.07% -72.73% 192.86% 2.54%
Operating Cash Flow Q/Q Growth		 0.00% 12.65% 0.04% -13.53% 372.80% -47.25% -19.61% 1.78% 12.99%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% -363.50% 358.09% -1,183.18% 532.78% 250.80% 414.15%
Invested Capital Q/Q Growth		 0.00% 0.00% 1.88% 10.49% 2.24% 58.01% 14.56% -1.12% -14.50%
Profitability Metrics		 - - - - - - - - -
EBITDA Margin		 46.77% 35.70% 43.01% 31.25% 38.25% 43.94% 10.53% 36.59% 41.14%
EBIT Margin		 41.43% 31.60% 39.54% 35.41% 45.32% 45.55% 12.68% 37.96% 40.81%
Profit (Net Income) Margin		 21.92% 26.21% 31.28% 27.92% 35.23% 36.68% 9.07% 26.09% 33.34%
Tax Burden Percent		 52.91% 82.93% 79.09% 78.86% 77.75% 80.62% 90.31% 67.56% 78.09%
Interest Burden Percent		 99.99% 100.00% 100.00% 100.00% 100.00% 99.89% 79.22% 101.72% 104.62%
Effective Tax Rate		 47.10% 17.07% 20.91% 21.14% 22.25% 19.38% 9.69% 32.44% 21.91%
Return on Invested Capital (ROIC)		 6.27% 7.12% 7.89% 6.50% 8.55% 7.03% 1.24% 4.73% 7.32%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.28% 7.12% 7.89% 6.50% 8.55% 7.02% 0.68% 5.03% 9.54%
Return on Net Nonoperating Assets (RNNOA)		 1.55% 1.35% 1.49% 1.91% 2.43% 5.09% 0.58% 1.93% 1.71%
Return on Equity (ROE)		 7.82% 8.47% 9.38% 8.41% 10.99% 12.12% 1.82% 6.66% 9.02%
Cash Return on Invested Capital (CROIC)		 0.00% -32.27% -9.96% -10.28% 10.22% -49.95% 35.97% 10.39% 18.31%
Operating Return on Assets (OROA)		 1.38% 1.09% 1.39% 1.17% 1.40% 1.36% 0.24% 1.00% 1.20%
Return on Assets (ROA)		 0.73% 0.90% 1.10% 0.92% 1.09% 1.10% 0.17% 0.69% 0.98%
Return on Common Equity (ROCE)		 7.82% 8.47% 9.38% 8.41% 10.99% 12.12% 1.82% 6.66% 9.02%
Return on Equity Simple (ROE_SIMPLE)		 7.82% 6.86% 8.84% 8.18% 10.45% 12.35% 1.76% 6.40% 8.70%
Net Operating Profit after Tax (NOPAT)		 7.69 11 16 16 22 25 4.82 15 21
NOPAT Margin		 21.92% 26.21% 31.28% 27.92% 35.23% 36.72% 11.45% 25.65% 31.87%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.02% 0.56% -0.29% -2.23%
SG&A Expenses to Revenue		 43.80% 43.65% 44.42% 39.94% 39.31% 36.42% 62.16% 42.37% 38.19%
Operating Expenses to Revenue		 55.15% 63.77% 57.06% 55.55% 55.49% 50.59% 87.01% 62.03% 56.79%
Earnings before Interest and Taxes (EBIT)		 15 13 20 20 28 31 5.34 22 27
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 16 15 22 17 24 30 4.44 21 27
Valuation Ratios		 - - - - - - - - -
Price to Book Value (P/BV)		 0.36 1.52 1.35 1.05 1.28 1.32 1.16 0.97 0.98
Price to Tangible Book Value (P/TBV)		 0.36 1.61 1.42 1.09 1.34 1.37 1.21 1.00 1.01
Price to Revenue (P/Rev)		 1.00 5.81 4.79 3.57 4.33 3.92 6.00 3.96 3.77
Price to Earnings (P/E)		 4.55 22.18 15.32 12.78 12.28 10.68 66.14 15.19 11.30
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.87%
Earnings Yield		 21.97% 4.51% 6.53% 7.82% 8.14% 9.36% 1.51% 6.58% 8.85%
Enterprise Value to Invested Capital (EV/IC)		 0.30 1.21 1.14 0.49 0.29 0.96 0.92 0.68 0.52
Enterprise Value to Revenue (EV/Rev)		 1.05 5.35 4.92 2.27 1.17 6.46 7.05 3.58 2.12
Enterprise Value to EBITDA (EV/EBITDA)		 2.24 14.99 11.43 7.27 3.06 14.70 66.94 9.78 5.16
Enterprise Value to EBIT (EV/EBIT)		 2.53 16.93 12.43 6.42 2.58 14.18 55.58 9.42 5.20
Enterprise Value to NOPAT (EV/NOPAT)		 4.78 20.42 15.72 8.14 3.32 17.59 61.54 13.95 6.66
Enterprise Value to Operating Cash Flow (EV/OCF)		 3.50 16.64 12.80 8.49 3.75 19.64 18.25 11.33 5.89
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 2.78 0.00 2.12 6.36 2.66
Leverage & Solvency		 - - - - - - - - -
Debt to Equity		 0.25 0.15 0.22 0.36 0.21 1.26 0.48 0.29 0.07
Long-Term Debt to Equity		 0.25 0.15 0.22 0.36 0.21 1.26 0.48 0.29 0.07
Financial Leverage		 0.25 0.19 0.19 0.29 0.28 0.73 0.86 0.38 0.18
Leverage Ratio		 10.72 9.37 8.56 9.11 10.08 11.03 10.81 9.70 9.19
Compound Leverage Factor		 10.72 9.37 8.56 9.11 10.08 11.02 8.56 9.87 9.61
Debt to Total Capital		 19.84% 13.36% 18.07% 26.72% 17.50% 55.71% 32.52% 22.59% 6.88%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 19.84% 13.36% 18.07% 26.72% 17.50% 55.71% 32.52% 22.59% 6.88%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 80.16% 86.64% 81.93% 73.28% 82.50% 44.29% 67.48% 77.41% 93.12%
Debt to EBITDA		 1.48 1.65 1.81 3.98 1.87 8.51 23.59 3.25 0.69
Net Debt to EBITDA		 0.11 -1.29 0.29 -4.15 -8.25 5.78 9.94 -1.05 -4.00
Long-Term Debt to EBITDA		 1.48 1.65 1.81 3.98 1.87 8.51 23.59 3.25 0.69
Debt to NOPAT		 3.16 2.25 2.49 4.46 2.03 10.18 21.69 4.64 0.89
Net Debt to NOPAT		 0.23 -1.76 0.40 -4.64 -8.96 6.92 9.14 -1.50 -5.16
Long-Term Debt to NOPAT		 3.16 2.25 2.49 4.46 2.03 10.18 21.69 4.64 0.89
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -49 -20 -25 26 -178 140 32 53
Operating Cash Flow to CapEx		 2,098.80% 0.00% 6,246.62% 4,211.05% 4,009.28% 13,489.16% 7,674.06% 12,930.50% 50,763.83%
Free Cash Flow to Firm to Interest Expense		 0.00 -4.07 -1.07 -1.69 2.50 -11.51 2.68 0.56 0.97
Operating Cash Flow to Interest Expense		 1.28 1.10 1.04 1.03 1.86 1.45 0.31 0.32 0.44
Operating Cash Flow Less CapEx to Interest Expense		 1.22 1.16 1.02 1.00 1.81 1.44 0.31 0.31 0.44
Efficiency Ratios		 - - - - - - - - -
Asset Turnover		 0.03 0.03 0.04 0.03 0.03 0.03 0.02 0.03 0.03
Fixed Asset Turnover		 28.38 23.65 23.24 29.70 38.45 48.58 38.01 62.26 85.31
Capital & Investment Metrics		 - - - - - - - - -
Invested Capital		 123 183 219 259 254 457 322 304 272
Invested Capital Turnover		 0.29 0.27 0.25 0.23 0.24 0.19 0.11 0.18 0.23
Increase / (Decrease) in Invested Capital		 0.00 60 36 40 -4.28 203 -135 -18 -32
Enterprise Value (EV)		 37 222 249 126 73 440 297 207 140
Market Capitalization		 35 241 242 198 269 267 253 229 249
Book Value per Share		 $56.16 $11.57 $12.91 $14.06 $15.33 $14.46 $12.20 $12.93 $14.03
Tangible Book Value per Share		 $56.11 $10.95 $12.28 $13.44 $14.74 $13.91 $11.77 $12.52 $13.63
Total Capital		 123 183 219 259 254 457 322 304 272
Total Debt		 24 24 39 69 45 255 105 69 19
Total Long-Term Debt		 24 24 39 69 45 255 105 69 19
Net Debt		 1.76 -19 6.35 -72 -196 173 44 -22 -109
Capital Expenditures (CapEx)		 0.50 -0.74 0.31 0.35 0.49 0.17 0.21 0.14 0.05
Net Nonoperating Expense (NNE)		 -0.00 0.00 0.00 0.00 0.00 0.03 1.00 -0.25 -0.97
Net Nonoperating Obligations (NNO)		 24 24 39 69 45 255 105 69 19
Total Depreciation and Amortization (D&A)		 1.87 1.70 1.75 -2.31 -4.40 -1.10 -0.91 -0.79 0.22
Earnings Adjustments		 - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.59 $0.74 $0.92 $0.91 $1.29 $1.43 $0.22 $0.83 $1.22
Adjusted Weighted Average Basic Shares Outstanding		 0.00 17.19M 16.83M 17.05M 17.41M 17.67M 17.88M 18.38M 17.94M
Adjusted Diluted Earnings per Share		 $0.54 $0.68 $0.86 $0.88 $1.20 $1.35 $0.21 $0.82 $1.21
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 17.19M 16.83M 17.05M 17.41M 17.67M 17.88M 18.38M 17.94M
Adjusted Basic & Diluted Earnings per Share		 $0.59 $0.00 $0.92 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 17.19M 16.83M 17.05M 17.41M 17.67M 17.88M 18.38M 17.94M
Normalized Net Operating Profit after Tax (NOPAT)		 7.69 14 16 16 23 25 4.82 15 21
Normalized NOPAT Margin		 21.92% 32.88% 31.48% 28.88% 36.74% 36.87% 11.45% 25.65% 31.87%
Pre Tax Income Margin		 41.43% 31.60% 39.54% 35.41% 45.32% 45.50% 10.04% 38.61% 42.70%
Debt Service Ratios		 - - - - - - - - -
EBIT to Interest Expense		 1.77 1.08 1.07 1.36 2.69 2.01 0.10 0.38 0.49
NOPAT to Interest Expense		 0.94 0.90 0.85 1.07 2.09 1.62 0.09 0.26 0.39
EBIT Less CapEx to Interest Expense		 1.71 1.14 1.06 1.33 2.65 2.00 0.10 0.38 0.49
NOPAT Less CapEx to Interest Expense		 0.88 0.96 0.83 1.05 2.05 1.61 0.09 0.25 0.39
Payout Ratios		 - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 9.82%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 46.96% 0.00% 2.92% 38.20% 0.00% 40.10%

Quarterly Metrics And Ratios for Fvcbankcorp

This table displays calculated financial ratios and metrics derived from Fvcbankcorp's official financial filings.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 17,802,173.00 17,877,051.00 17,984,844.00 18,186,147.00 - 18,380,848.00 17,991,528.00 18,051,687.00 18,074,814.00 17,943,092.00 17,996,792.00
DEI Adjusted Shares Outstanding		 17,802,173.00 17,877,051.00 17,984,844.00 18,186,147.00 - 18,380,848.00 17,991,528.00 18,051,687.00 18,074,814.00 17,943,092.00 17,996,792.00
DEI Earnings Per Adjusted Shares Outstanding		 -0.28 0.08 0.23 0.26 - 0.28 0.32 0.31 0.31 0.36 0.46
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -80.32% 31.43% -7.00% 10.83% 383.80% 16.37% 15.68% 13.56% 12.93% 15.82% 18.41%
EBITDA Growth		 -215.07% 1,193.79% -1.60% 8.40% 191.58% 31.03% 33.02% 34.30% 18.13% 34.61% 15.89%
EBIT Growth		 -205.06% 409.08% -8.26% 15.11% 197.78% 31.14% 37.96% 19.66% 8.40% 28.13% 24.74%
NOPAT Growth		 -194.26% -67.49% -7.96% 15.60% 206.03% 260.88% 38.90% 19.49% 15.22% 22.75% 36.79%
Net Income Growth		 -203.43% 115.78% -1.84% 15.60% 196.63% 285.45% 36.39% 19.49% 15.22% 23.64% 45.10%
EPS Growth		 -200.00% 133.33% 0.00% 13.64% 196.43% 300.00% 34.78% 24.00% 14.81% 25.00% 45.16%
Operating Cash Flow Growth		 -46.71% 179.70% -47.05% -25.14% 7.04% -24.27% 111.86% 61.62% 56.58% 40.82% 171.62%
Free Cash Flow Firm Growth		 166.04% 171.67% -536.77% -277.60% -82.70% -107.44% 95.12% 75.13% 65.33% 473.39% 1,029.16%
Invested Capital Growth		 -29.59% -27.97% 31.43% 9.49% -5.50% 4.62% 2.88% 3.59% -10.43% -8.44% -6.68%
Revenue Q/Q Growth		 -76.92% 327.93% 5.98% 5.90% 0.73% 2.93% 5.35% 3.96% 0.17% 5.57% 10.01%
EBITDA Q/Q Growth		 -225.49% 172.34% 15.31% 3.56% 6.02% 3.50% 17.06% 4.56% -6.75% 17.94% 5.82%
EBIT Q/Q Growth		 -219.69% 175.96% 4.70% 20.93% 1.67% 1.87% 10.15% 4.88% -7.90% 20.42% 12.70%
NOPAT Q/Q Growth		 -214.42% 130.29% 177.35% 20.28% 4.95% 3.08% 6.75% 3.47% 1.20% 9.82% 25.03%
Net Income Q/Q Growth		 -225.55% 126.42% 210.07% 12.37% 4.95% 5.41% 9.72% -1.55% 1.20% 13.11% 28.77%
EPS Q/Q Growth		 -227.27% 125.00% 228.57% 8.70% 8.00% 3.70% 10.71% 0.00% 0.00% 12.90% 28.57%
Operating Cash Flow Q/Q Growth		 -27.56% 57.92% -78.30% 201.55% 3.59% 11.72% -39.29% 130.05% 0.36% 0.47% 17.10%
Free Cash Flow Firm Q/Q Growth		 955.43% -10.53% -158.73% 67.98% 202.79% -138.48% 61.45% -63.12% 783.22% -13.09% -11.94%
Invested Capital Q/Q Growth		 14.56% -7.60% 1.97% 1.44% -1.12% 2.30% 0.27% 2.13% -14.50% 4.56% 2.20%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 -202.33% 34.20% 37.21% 36.39% 38.30% 38.51% 42.79% 43.04% 40.06% 44.76% 43.05%
EBIT Margin		 -200.48% 35.59% 35.16% 40.15% 40.52% 40.10% 41.93% 42.30% 38.89% 44.37% 45.45%
Profit (Net Income) Margin		 -162.06% 10.01% 29.28% 31.07% 32.37% 33.15% 34.52% 32.69% 33.03% 35.39% 41.42%
Tax Burden Percent		 76.81% 29.37% 77.82% 77.39% 77.01% 80.83% 78.34% 77.28% 76.26% 77.43% 78.53%
Interest Burden Percent		 105.24% 95.74% 107.02% 100.00% 103.73% 102.26% 105.10% 100.00% 111.36% 103.00% 116.04%
Effective Tax Rate		 0.00% 70.63% 22.18% 22.61% 22.99% 19.17% 21.66% 22.72% 23.74% 22.57% 21.47%
Return on Invested Capital (ROIC)		 -15.98% 1.33% 4.54% 4.83% 5.97% 6.39% 6.64% 6.71% 7.58% 7.91% 9.29%
ROIC Less NNEP Spread (ROIC-NNEP)		 -16.23% 1.29% 5.10% 4.83% 5.97% 6.54% 7.02% 6.71% 7.58% 8.31% 10.30%
Return on Net Nonoperating Assets (RNNOA)		 -13.90% 0.87% 1.12% 1.60% 2.29% 2.05% 2.17% 2.03% 1.36% 1.54% 1.88%
Return on Equity (ROE)		 -29.88% 2.20% 5.66% 6.43% 8.26% 8.44% 8.81% 8.73% 8.94% 9.45% 11.17%
Cash Return on Invested Capital (CROIC)		 35.97% 33.87% -25.46% -7.33% 10.39% 1.51% 3.61% 3.28% 18.31% 16.28% 15.48%
Operating Return on Assets (OROA)		 -3.73% 0.71% 0.67% 0.80% 1.07% 1.09% 1.15% 1.18% 1.15% 1.33% 1.42%
Return on Assets (ROA)		 -3.01% 0.20% 0.56% 0.62% 0.85% 0.90% 0.95% 0.91% 0.97% 1.06% 1.29%
Return on Common Equity (ROCE)		 -29.88% 2.20% 5.66% 6.43% 8.26% 8.44% 8.81% 8.73% 8.94% 9.45% 11.17%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 2.06% 1.97% 2.21% 0.00% 7.79% 8.39% 8.53% 0.00% 8.94% 9.69%
Net Operating Profit after Tax (NOPAT)		 -4.62 1.40 3.88 4.67 4.90 5.05 5.39 5.58 5.65 6.20 7.75
NOPAT Margin		 -147.70% 10.45% 27.35% 31.07% 32.37% 32.42% 32.85% 32.69% 33.03% 34.36% 39.04%
Net Nonoperating Expense Percent (NNEP)		 0.25% 0.04% -0.57% 0.00% 0.00% -0.16% -0.38% 0.00% 0.00% -0.40% -1.01%
SG&A Expenses to Revenue		 213.26% 44.00% 43.22% 42.09% 40.40% 39.15% 38.83% 37.53% 37.36% 37.42% 37.45%
Operating Expenses to Revenue		 300.45% 64.41% 63.39% 61.19% 59.48% 58.61% 57.43% 55.50% 55.79% 54.70% 53.33%
Earnings before Interest and Taxes (EBIT)		 -6.27 4.77 4.99 6.03 6.13 6.25 6.88 7.22 6.65 8.01 9.02
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -6.33 4.58 5.28 5.47 5.80 6.00 7.03 7.35 6.85 8.08 8.55
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.16 0.99 0.86 1.02 0.97 0.79 0.87 0.93 0.98 1.04 1.18
Price to Tangible Book Value (P/TBV)		 1.21 1.02 0.89 1.05 1.00 0.81 0.90 0.96 1.01 1.07 1.21
Price to Revenue (P/Rev)		 6.00 4.80 4.42 5.14 3.96 3.18 3.40 3.63 3.77 3.95 4.37
Price to Earnings (P/E)		 66.14 47.95 43.81 46.17 15.19 10.11 10.36 10.94 11.30 11.66 12.56
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.46% 0.87% 1.19% 1.43%
Earnings Yield		 1.51% 2.09% 2.28% 2.17% 6.58% 9.90% 9.65% 9.14% 8.85% 8.58% 7.96%
Enterprise Value to Invested Capital (EV/IC)		 0.92 0.72 0.35 0.44 0.68 0.44 0.46 0.23 0.52 0.37 0.30
Enterprise Value to Revenue (EV/Rev)		 7.05 4.72 2.43 2.93 3.58 2.26 2.33 1.13 2.12 1.52 1.22
Enterprise Value to EBITDA (EV/EBITDA)		 66.94 24.69 12.55 14.91 9.78 6.02 5.97 2.78 5.16 3.55 2.86
Enterprise Value to EBIT (EV/EBIT)		 55.58 23.32 12.33 14.10 9.42 5.80 5.73 2.75 5.20 3.62 2.86
Enterprise Value to NOPAT (EV/NOPAT)		 61.54 44.46 23.60 26.35 13.95 7.40 7.31 3.42 6.66 4.68 3.38
Enterprise Value to Operating Cash Flow (EV/OCF)		 18.25 10.25 5.52 7.49 11.33 8.22 7.95 3.45 5.89 3.99 2.75
Enterprise Value to Free Cash Flow (EV/FCFF)		 2.12 1.78 0.00 0.00 6.36 29.60 13.06 7.10 2.66 2.15 1.87
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.48 0.35 0.34 0.33 0.29 0.28 0.28 0.28 0.07 0.09 0.09
Long-Term Debt to Equity		 0.48 0.35 0.34 0.33 0.29 0.28 0.28 0.28 0.07 0.09 0.09
Financial Leverage		 0.86 0.67 0.22 0.33 0.38 0.31 0.31 0.30 0.18 0.19 0.18
Leverage Ratio		 10.81 10.67 10.61 10.40 9.70 9.55 9.66 9.60 9.19 9.10 9.03
Compound Leverage Factor		 11.38 10.21 11.36 10.40 10.06 9.77 10.15 9.60 10.23 9.38 10.48
Debt to Total Capital		 32.52% 25.78% 25.29% 24.93% 22.59% 22.09% 22.03% 21.58% 6.88% 8.59% 8.41%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 32.52% 25.78% 25.29% 24.93% 22.59% 22.09% 22.03% 21.58% 6.88% 8.59% 8.41%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 67.48% 74.22% 74.71% 75.07% 77.41% 77.91% 77.97% 78.42% 93.12% 91.41% 91.59%
Debt to EBITDA		 23.59 8.85 8.94 8.52 3.25 3.05 2.83 2.63 0.69 0.83 0.80
Net Debt to EBITDA		 9.94 -0.45 -10.25 -11.22 -1.05 -2.45 -2.73 -6.12 -4.00 -5.71 -7.43
Long-Term Debt to EBITDA		 23.59 8.85 8.94 8.52 3.25 3.05 2.83 2.63 0.69 0.83 0.80
Debt to NOPAT		 21.69 15.93 16.82 15.05 4.64 3.75 3.46 3.23 0.89 1.10 0.95
Net Debt to NOPAT		 9.14 -0.81 -19.29 -19.82 -1.50 -3.01 -3.35 -7.52 -5.16 -7.52 -8.77
Long-Term Debt to NOPAT		 21.69 15.93 16.82 15.05 4.64 3.75 3.46 3.23 0.89 1.10 0.95
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 131 117 -69 -22 23 -8.69 -3.35 -5.47 37 32 29
Operating Cash Flow to CapEx		 5,732.91% 51,085.71% 2,928.30% 8,068.97% 30,300.00% 33,850.00% 25,292.31% 756,400.00% 44,652.94% 63,558.33% 63,792.86%
Free Cash Flow to Firm to Interest Expense		 9.33 8.32 -4.80 -1.46 1.57 -0.64 -0.25 -0.40 2.73 2.61 2.40
Operating Cash Flow to Interest Expense		 0.32 0.51 0.11 0.31 0.34 0.40 0.24 0.55 0.56 0.61 0.75
Operating Cash Flow Less CapEx to Interest Expense		 0.32 0.51 0.10 0.31 0.34 0.40 0.24 0.55 0.55 0.61 0.75
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.02 0.02 0.02 0.02 0.03 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 38.01 43.02 43.88 47.82 62.26 68.58 73.65 80.81 85.31 92.99 101.86
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 322 297 303 307 304 311 312 319 272 285 291
Invested Capital Turnover		 0.11 0.13 0.17 0.16 0.18 0.20 0.20 0.21 0.23 0.23 0.24
Increase / (Decrease) in Invested Capital		 -135 -115 73 27 -18 14 8.74 11 -32 -26 -21
Enterprise Value (EV)		 297 214 108 134 207 136 145 73 140 104 87
Market Capitalization		 253 218 196 235 229 191 211 233 249 271 314
Book Value per Share		 $12.20 $12.34 $12.59 $12.69 $12.93 $13.18 $13.52 $13.84 $14.03 $14.51 $14.81
Tangible Book Value per Share		 $11.77 $11.92 $12.18 $12.28 $12.52 $12.78 $13.11 $13.43 $13.63 $14.10 $14.41
Total Capital		 322 297 303 307 304 311 312 319 272 285 291
Total Debt		 105 77 77 77 69 69 69 69 19 24 24
Total Long-Term Debt		 105 77 77 77 69 69 69 69 19 24 24
Net Debt		 44 -3.90 -88 -101 -22 -55 -66 -160 -109 -167 -227
Capital Expenditures (CapEx)		 0.08 0.01 0.05 0.06 0.02 0.02 0.01 0.00 0.02 0.01 0.01
Net Nonoperating Expense (NNE)		 0.45 0.06 -0.27 0.00 0.00 -0.11 -0.27 0.00 0.00 -0.19 -0.47
Net Nonoperating Obligations (NNO)		 105 77 77 77 69 69 69 69 19 24 24
Total Depreciation and Amortization (D&A)		 -0.06 -0.19 0.29 -0.56 -0.34 -0.25 0.14 0.13 0.20 0.07 -0.48
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.28) $0.08 $0.23 $0.26 $0.27 $0.28 $0.31 $0.31 $0.32 $0.36 $0.46
Adjusted Weighted Average Basic Shares Outstanding		 17.88M 17.98M 18.19M 18.20M 18.38M 17.99M 18.05M 18.07M 17.94M 18.00M 18.03M
Adjusted Diluted Earnings per Share		 ($0.28) $0.07 $0.23 $0.25 $0.27 $0.28 $0.31 $0.31 $0.31 $0.35 $0.45
Adjusted Weighted Average Diluted Shares Outstanding		 17.88M 17.98M 18.19M 18.20M 18.38M 17.99M 18.05M 18.07M 17.94M 18.00M 18.03M
Adjusted Basic & Diluted Earnings per Share		 ($0.28) $0.00 $0.00 $0.00 $0.27 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 17.88M 17.98M 18.19M 18.20M 18.38M 17.99M 18.05M 18.07M 17.94M 18.00M 18.03M
Normalized Net Operating Profit after Tax (NOPAT)		 -4.62 3.34 3.88 4.67 4.90 5.05 5.39 5.58 5.65 6.20 7.75
Normalized NOPAT Margin		 -147.70% 24.91% 27.35% 31.07% 32.37% 32.42% 32.85% 32.69% 33.03% 34.36% 39.04%
Pre Tax Income Margin		 -210.99% 34.07% 37.62% 40.15% 42.03% 41.01% 44.07% 42.30% 43.31% 45.70% 52.74%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 -0.45 0.34 0.35 0.40 0.43 0.46 0.50 0.52 0.49 0.64 0.76
NOPAT to Interest Expense		 -0.33 0.10 0.27 0.31 0.34 0.37 0.39 0.40 0.41 0.50 0.65
EBIT Less CapEx to Interest Expense		 -0.45 0.34 0.35 0.40 0.43 0.46 0.50 0.52 0.49 0.64 0.76
NOPAT Less CapEx to Interest Expense		 -0.34 0.10 0.27 0.31 0.34 0.37 0.39 0.40 0.41 0.50 0.65
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 9.82% 13.93% 17.46%
Augmented Payout Ratio		 38.20% 5.29% 0.27% 0.24% 0.00% 0.00% 22.72% 21.75% 40.10% 42.61% 33.41%

Financials Breakdown Chart

Key Financial Trends

FVCBankcorp’s recent financial results show a clear improvement in profitability and operating cash generation. The company’s Q2 2026 net income attributable to common shareholders reached $7.4 million, up from $6.4 million in Q1 2026 and $5.7 million in Q2 2025. Earnings per share increased to $0.46 from $0.36 in the prior quarter and $0.31 a year earlier.

The longer-term trend is also favorable. Quarterly common net income increased from $4.0 million in Q3 2023, despite a $5.1 million loss in Q4 2023, to $7.4 million in Q2 2026. Net interest income rose from $13.7 million in Q2 2024 to $19.1 million in Q2 2026, while total revenue increased from $14.2 million to $19.9 million over the same period.

  • Strong earnings momentum: Q2 2026 net income attributable to common shareholders increased approximately 15% from Q1 and 30% from Q2 2025. The improvement extends a broader recovery from the loss reported in Q4 2023.
  • Expanding net interest income: Net interest income rose approximately 21.5% year over year in Q2 2026 and about 40% compared with Q2 2024, supported primarily by higher loan interest income.
  • Improving operating leverage: Total revenue grew about 40% from Q2 2024 to Q2 2026, while non-interest expense increased approximately 18%. This reduced the reported non-interest expense-to-revenue ratio from roughly 63% to 53%.
  • Stronger operating cash flow: Net cash from operating activities increased to $8.9 million in Q2 2026 from $7.6 million in Q4 2025 and $3.3 million in Q2 2025. Operating cash flow has remained positive in each of the supplied quarters.
  • Improved capital position: Total common equity reached $266.6 million at June 30, 2026, up from $226.5 million at June 30, 2024. Retained earnings increased to $163.1 million from $121.4 million over the same period.
  • Lower long-term debt: Long-term debt declined to $24.5 million in Q2 2026 from approximately $76.7 million in Q2 2024, reducing reliance on longer-term borrowings.
  • Greater liquidity resources: Cash and due from banks plus interest-bearing deposits at other banks totaled approximately $251.0 million at the end of Q2 2026, compared with $164.6 million two years earlier.
  • Deposit growth has been uneven: Total deposits increased to approximately $2.05 billion at June 30, 2026, from $1.97 billion in Q2 2024, but quarterly cash flow has been heavily influenced by swings in deposit balances and investment securities.
  • Investment activity is consuming cash: Q2 2026 investing activities used $27.4 million, including $18.2 million of investment-security purchases. Financing inflows, particularly a $24.0 million increase in deposits, were needed to offset much of this outflow.
  • Comprehensive equity remains pressured: Accumulated other comprehensive income was a negative $18.5 million at the end of Q2 2026. Although this loss is smaller than the negative $22.3 million reported in Q2 2024, it continues to reduce reported shareholders’ equity.

Credit costs appear controlled but should remain a monitoring point. The provision for credit losses was $241,000 in Q2 2026, modestly above $206,000 in Q2 2025 but well below the $909,000 provision recorded in Q4 2025. The supplied balance sheets report zero net loans and leases and unusually large “other assets” balances, suggesting that some loan-related items may be classified elsewhere in the standardized data. Investors should therefore review the company’s original filings for detailed loan growth, asset quality and allowance information.

Overall, the statements point to improving earnings power, stronger cash generation and a healthier debt profile. The main risks are sensitivity to deposit funding costs, investment-portfolio cash flows and accumulated unrealized losses recorded in other comprehensive income.

10/01/26 04:57 AM ETAI Generated. May Contain Errors.

Fvcbankcorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Fvcbankcorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Fvcbankcorp's net income appears to be on an upward trend, with a most recent value of $22.06 million in 2025, rising from $7.69 million in 2017. The previous period was $15.06 million in 2024. See where experts think Fvcbankcorp is headed by visiting Fvcbankcorp's forecast page.

Over the last 8 years, Fvcbankcorp's total revenue changed from $35.08 million in 2017 to $66.16 million in 2025, a change of 88.6%.

In the past 11 quarters, Fvcbankcorp's cash and equivalents has ranged from $6.94 million in Q1 2024 to $14.92 million in Q3 2025, and is currently $12.24 million as of their latest financial filing in Q2 2026.

Fvcbankcorp had total debt of $18.75 million at the end of 2025, a 72.7% decrease from 2024, and a 22.9% decrease since 2017.

Over the last 8 years, Fvcbankcorp's book value per share changed from 56.16 in 2017 to 14.03 in 2025, a change of -75.0%.


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Financial statements for NASDAQ:FVCB last updated on 8/6/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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