Go Pro
→ The Starlink of Energy (From Monument Traders Alliance) (Ad)tc pixel Free FVCB Stock Alerts

Fvcbankcorp (FVCB) Financials

Fvcbankcorp logo
$17.47 0.00 (0.00%)
Closing price 07/2/2026 04:00 PM Eastern
Extended Trading
$17.37 -0.10 (-0.57%)
As of 07:42 AM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
Compare
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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 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
Net Income / (Loss) Attributable to Common Shareholders		 4.04 -5.07 1.34 4.16 4.67 4.90 5.17 5.67 5.58 5.65 6.39
Consolidated Net Income / (Loss)		 4.04 -5.07 1.34 4.16 4.67 4.90 5.17 5.67 5.58 5.65 6.39
Net Income / (Loss) Continuing Operations		 4.04 -5.07 1.34 4.16 4.67 4.90 5.17 5.67 5.58 5.65 6.39
Total Pre-Tax Income 		5.24 -6.60 4.56 5.34 6.03 6.36 6.39 7.23 7.22 7.40 8.25
Total Revenue		 14 3.13 13 14 15 15 16 16 17 17 18
Net Interest Income / (Expense)		 13 13 13 14 14 15 15 16 16 17 17
Total Interest Income		 27 27 27 28 29 29 29 29 30 31 30
Loans and Leases Interest Income		 25 25 25 26 27 28 27 27 27 28 28
Investment Securities Interest Income		 1.31 1.28 1.14 1.11 1.05 1.05 1.04 1.04 1.03 1.00 0.96
Deposits and Money Market Investments Interest Income		 0.88 0.62 0.37 0.40 0.80 0.72 0.96 1.36 1.82 1.24 0.48
Total Interest Expense		 14 14 14 14 15 14 14 14 14 14 12
Deposits Interest Expense		 14 13 13 13 14 14 13 13 13 13 12
Short-Term Borrowings Interest Expense		 0.04 0.98 1.24 1.15 0.56 - 0.47 0.47 0.48 0.05 0.15
Long-Term Debt Interest Expense		 0.26 0.26 0.26 0.26 0.26 -0.98 0.25 0.25 0.25 0.40 0.57
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		 0.23 -9.53 0.60 0.52 0.82 0.23 0.53 0.66 1.03 0.17 0.64
Service Charges on Deposit Accounts		 0.28 0.30 0.26 0.28 0.30 0.29 0.27 0.28 0.32 0.38 0.36
Other Service Charges		 -0.43 0.77 0.15 0.18 0.44 0.15 0.19 0.15 0.64 -0.22 0.21
Net Realized & Unrealized Capital Gains on Investments		 0.00 -11 0.00 0.00 0.00 -0.28 0.00 0.15 0.00 -0.06 0.00
Other Non-Interest Income		 0.37 0.39 0.19 0.07 0.07 0.07 0.07 0.07 0.07 0.08 0.07
Provision for Credit Losses		 -0.73 0.00 0.00 0.21 -0.20 - 0.20 0.11 0.38 0.91 0.17
Total Non-Interest Expense		 9.05 9.40 8.63 9.00 9.20 9.00 9.13 9.43 9.47 9.54 9.87
Salaries and Employee Benefits		 5.27 5.27 4.53 4.69 4.85 4.68 4.78 5.04 5.12 5.19 5.44
Net Occupancy & Equipment Expense		 1.15 1.21 1.16 1.18 1.19 1.22 1.15 1.09 1.08 1.03 1.16
Marketing Expense		 0.17 0.20 0.20 0.26 0.28 0.22 0.17 0.25 0.21 0.17 0.16
Property & Liability Insurance Claims		 0.43 0.28 0.35 0.38 0.36 -0.00 0.33 0.29 0.24 0.24 0.33
Other Operating Expenses		 1.99 2.43 2.34 2.44 2.47 2.85 2.67 2.73 2.80 2.88 2.76
Amortization Expense		 0.05 0.02 0.05 0.04 0.04 0.04 0.04 0.03 0.03 0.03 0.03
Nonoperating Income / (Expense), net		 - - -0.20 0.35 - - 0.14 0.35 - - 0.24
Income Tax Expense		 1.20 -1.53 3.22 1.18 1.36 1.46 1.23 1.57 1.64 1.76 1.86
Basic Earnings per Share		 $0.23 ($0.28) $0.08 $0.23 $0.26 $0.27 $0.28 $0.31 $0.31 $0.32 $0.36
Weighted Average Basic Shares Outstanding		 17.80M 17.88M 17.98M 18.19M 18.20M 18.38M 17.99M 18.05M 18.07M 17.94M 18.00M
Diluted Earnings per Share		 $0.22 ($0.28) $0.07 $0.23 $0.25 $0.27 $0.28 $0.31 $0.31 $0.31 $0.35
Weighted Average Diluted Shares Outstanding		 17.80M 17.88M 17.98M 18.19M 18.20M 18.38M 17.99M 18.05M 18.07M 17.94M 18.00M
Weighted Average Basic & Diluted Shares Outstanding		 17.80M 17.88M 17.98M 18.19M 18.20M 18.38M 17.99M 18.05M 18.07M 17.94M 18.00M

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 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
Net Change in Cash & Equivalents		 -0.72 0.48 -1.11 3.25 -0.14 -1.89 4.80 1.67 0.29 -9.23 3.75
Net Cash From Operating Activities		 6.25 4.53 7.15 1.55 4.68 4.85 5.42 3.29 7.56 7.59 7.63
Net Cash From Continuing Operating Activities		 6.25 4.53 7.15 1.55 4.68 4.85 5.42 3.29 7.56 7.59 7.63
Net Income / (Loss) Continuing Operations		 4.04 -5.07 1.34 4.16 4.67 4.90 5.17 5.67 5.58 5.65 6.39
Consolidated Net Income / (Loss)		 4.04 -5.07 1.34 4.16 4.67 4.90 5.17 5.67 5.58 5.65 6.39
Provision For Loan Losses		 -0.73 - 0.00 0.21 -0.20 - 0.20 0.11 0.38 0.91 0.17
Depreciation Expense		 0.10 0.08 0.08 0.07 0.07 0.07 0.06 0.05 0.05 0.05 0.04
Amortization Expense		 -0.30 -0.14 -0.26 0.22 -0.63 -0.40 -0.31 0.09 0.07 0.15 0.03
Non-Cash Adjustments to Reconcile Net Income		 0.54 12 0.15 -0.18 -0.10 1.46 0.01 -0.36 -0.38 -0.07 -0.10
Changes in Operating Assets and Liabilities, net		 2.60 -2.06 5.85 -2.92 0.87 -1.17 0.29 -2.26 1.86 0.91 1.10
Net Cash From Investing Activities		 35 112 7.40 -112 4.43 91 -37 6.19 -81 17 -39
Net Cash From Continuing Investing Activities		 35 112 7.40 -112 4.43 91 -37 6.19 -81 17 -39
Purchase of Property, Leasehold Improvements and Equipment		 -0.04 -0.08 -0.01 -0.05 -0.06 -0.02 -0.02 -0.01 -0.00 -0.02 -0.01
Purchase of Investment Securities		 40 36 -24 -34 13 117 -12 12 9.25 -83 18
Sale and/or Maturity of Investments		 -1.66 77 29 -76 -9.59 -26 -25 -5.37 -90 97 -57
Other Investing Activities, net		 -2.84 -1.74 1.77 -1.77 1.30 - 0.41 - - 2.33 -0.02
Net Cash From Financing Activities		 -42 -116 -16 114 -9.24 -98 36 -7.81 74 -34 35
Net Cash From Continuing Financing Activities		 -42 -116 -16 114 -9.24 -98 36 -7.81 74 -34 35
Net Change in Deposits		 -92 -151 12 111 -7.98 -90 36 -3.15 74 19 30
Issuance of Debt		 - - 0.00 - 0.03 -1.02 0.00 - - -0.00 5.65
Issuance of Common Equity		 - 0.03 0.40 1.15 0.12 - 0.24 -0.00 0.31 0.00 0.35
Repayment of Debt		 50 35 -28 1.75 -1.75 -7.00 0.00 - - -50 0.00
Repurchase of Common Equity		 - -0.01 0.00 - - - 0.00 -4.64 - -2.04 0.00
Payment of Dividends		 - - - - - - 0.00 - - -1.08 -1.08
Other Financing Activities, Net		 -0.03 - -0.03 -0.49 0.34 -0.00 -0.03 -0.03 -0.00 0.00 -0.02

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
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
Total Assets		 2,305 2,183 2,299 2,293 2,241 2,237 2,319 2,335
Cash and Due from Banks		 7.56 6.94 10 10 13 15 15 9.44
Interest Bearing Deposits at Other Banks		 89 74 154 168 111 121 214 182
Trading Account Securities		 216 167 163 166 159 157 157 151
Loans and Leases, Net of Allowance		 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
Intangible Assets		 7.63 7.54 7.50 7.46 7.39 7.35 7.32 7.27
Other Assets		 1,983 1,927 1,964 1,942 1,950 1,937 1,925 1,985
Total Liabilities & Shareholders' Equity		 2,305 2,183 2,299 2,293 2,241 2,237 2,319 2,335
Total Liabilities		 2,094 1,962 2,073 2,062 1,998 1,994 2,069 2,075
Non-Interest Bearing Deposits		 427 394 374 357 367 356 374 369
Interest Bearing Deposits		 1,569 1,463 1,595 1,604 1,539 1,547 1,603 1,658
Federal Funds Purchased and Securities Sold		 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
Other Short-Term Payables		 - - 14 13 13 12 13 14
Long-Term Debt		 70 77 77 77 69 69 69 24
Other Long-Term Liabilities		 26 25 8.96 8.24 7.83 7.79 7.38 6.46
Commitments & Contingencies		 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
Total Preferred & Common Equity		 211 221 226 231 242 243 250 260
Preferred Stock		 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
Common Stock		 125 126 127 127 128 124 124 123
Retained Earnings		 121 117 121 126 136 142 146 156
Accumulated Other Comprehensive Income / (Loss)		 -35 -22 -22 -23 -22 -22 -21 -19

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 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
DEI Shares Outstanding		 17,802,148.00 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
DEI Adjusted Shares Outstanding		 17,802,148.00 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
DEI Earnings Per Adjusted Shares Outstanding		 0.23 -0.28 0.08 0.23 0.26 - 0.28 0.32 0.31 0.31 0.36
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -25.09% -80.32% 31.43% -7.00% 10.83% 383.80% 16.37% 15.68% 13.56% 12.93% 15.82%
EBITDA Growth		 -44.32% -215.07% 1,193.79% -1.60% 8.40% 191.58% 31.03% 33.02% 34.30% 18.13% 34.61%
EBIT Growth		 -42.64% -205.06% 409.08% -8.26% 15.11% 197.78% 31.14% 37.96% 19.66% 8.40% 28.13%
NOPAT Growth		 -42.65% -194.26% -67.49% -7.96% 15.60% 206.03% 260.88% 38.90% 19.49% 15.22% 22.75%
Net Income Growth		 -42.65% -203.43% 115.78% -1.84% 15.60% 196.63% 285.45% 36.39% 19.49% 15.22% 23.64%
EPS Growth		 -42.11% -200.00% 133.33% 0.00% 13.64% 196.43% 300.00% 34.78% 24.00% 14.81% 25.00%
Operating Cash Flow Growth		 -15.97% -46.71% 179.70% -47.05% -25.14% 7.04% -24.27% 111.86% 61.62% 56.58% 40.82%
Free Cash Flow Firm Growth		 137.05% 166.04% 171.67% -536.77% -277.60% -82.70% -107.44% 95.12% 75.13% 65.33% 473.39%
Invested Capital Growth		 -2.88% -29.59% -27.97% 31.43% 9.49% -5.50% 4.62% 2.88% 3.59% -10.43% -8.44%
Revenue Q/Q Growth		 -11.13% -76.92% 327.93% 5.98% 5.90% 0.73% 2.93% 5.35% 3.96% 0.17% 5.57%
EBITDA Q/Q Growth		 -6.00% -225.49% 172.34% 15.31% 3.56% 6.02% 3.50% 17.06% 4.56% -6.75% 17.94%
EBIT Q/Q Growth		 -3.62% -219.69% 175.96% 4.70% 20.93% 1.67% 1.87% 10.15% 4.88% -7.90% 20.42%
NOPAT Q/Q Growth		 -4.23% -214.42% 130.29% 177.35% 20.28% 4.95% 3.08% 6.75% 3.47% 1.20% 9.82%
Net Income Q/Q Growth		 -4.58% -225.55% 126.42% 210.07% 12.37% 4.95% 5.41% 9.72% -1.55% 1.20% 13.11%
EPS Q/Q Growth		 -4.35% -227.27% 125.00% 228.57% 8.70% 8.00% 3.70% 10.71% 0.00% 0.00% 12.90%
Operating Cash Flow Q/Q Growth		 113.31% -27.56% 57.92% -78.30% 201.55% 3.59% 11.72% -39.29% 130.05% 0.36% 0.47%
Free Cash Flow Firm Q/Q Growth		 -21.24% 955.43% -10.53% -158.73% 67.98% 202.79% -138.48% 61.45% -63.12% 783.22% -13.09%
Invested Capital Q/Q Growth		 21.77% 14.56% -7.60% 1.97% 1.44% -1.12% 2.30% 0.27% 2.13% -14.50% 4.56%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 37.21% -202.33% 34.20% 37.21% 36.39% 38.30% 38.51% 42.79% 43.04% 40.06% 44.76%
EBIT Margin		 38.65% -200.48% 35.59% 35.16% 40.15% 40.52% 40.10% 41.93% 42.30% 38.89% 44.37%
Profit (Net Income) Margin		 29.79% -162.06% 10.01% 29.28% 31.07% 32.37% 33.15% 34.52% 32.69% 33.03% 35.39%
Tax Burden Percent		 77.07% 76.81% 29.37% 77.82% 77.39% 77.01% 80.83% 78.34% 77.28% 76.26% 77.43%
Interest Burden Percent		 100.00% 105.24% 95.74% 107.02% 100.00% 103.73% 102.26% 105.10% 100.00% 111.36% 103.00%
Effective Tax Rate		 22.93% 0.00% 70.63% 22.18% 22.61% 22.99% 19.17% 21.66% 22.72% 23.74% 22.57%
Return on Invested Capital (ROIC)		 5.74% -15.98% 1.33% 4.54% 4.83% 5.97% 6.39% 6.64% 6.71% 7.58% 7.91%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.74% -16.23% 1.29% 5.10% 4.83% 5.97% 6.54% 7.02% 6.71% 7.58% 8.31%
Return on Net Nonoperating Assets (RNNOA)		 2.32% -13.90% 0.87% 1.12% 1.60% 2.29% 2.05% 2.17% 2.03% 1.36% 1.54%
Return on Equity (ROE)		 8.06% -29.88% 2.20% 5.66% 6.43% 8.26% 8.44% 8.81% 8.73% 8.94% 9.45%
Cash Return on Invested Capital (CROIC)		 7.76% 35.97% 33.87% -25.46% -7.33% 10.39% 1.51% 3.61% 3.28% 18.31% 16.28%
Operating Return on Assets (OROA)		 0.94% -3.73% 0.71% 0.67% 0.80% 1.07% 1.09% 1.15% 1.18% 1.15% 1.33%
Return on Assets (ROA)		 0.73% -3.01% 0.20% 0.56% 0.62% 0.85% 0.90% 0.95% 0.91% 0.97% 1.06%
Return on Common Equity (ROCE)		 8.06% -29.88% 2.20% 5.66% 6.43% 8.26% 8.44% 8.81% 8.73% 8.94% 9.45%
Return on Equity Simple (ROE_SIMPLE)		 6.53% 0.00% 2.06% 1.97% 2.21% 0.00% 7.79% 8.39% 8.53% 0.00% 8.94%
Net Operating Profit after Tax (NOPAT)		 4.04 -4.62 1.40 3.88 4.67 4.90 5.05 5.39 5.58 5.65 6.20
NOPAT Margin		 29.79% -147.70% 10.45% 27.35% 31.07% 32.37% 32.42% 32.85% 32.69% 33.03% 34.36%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.25% 0.04% -0.57% 0.00% 0.00% -0.16% -0.38% 0.00% 0.00% -0.40%
SG&A Expenses to Revenue		 48.54% 213.26% 44.00% 43.22% 42.09% 40.40% 39.15% 38.83% 37.53% 37.36% 37.42%
Operating Expenses to Revenue		 66.73% 300.45% 64.41% 63.39% 61.19% 59.48% 58.61% 57.43% 55.50% 55.79% 54.70%
Earnings before Interest and Taxes (EBIT)		 5.24 -6.27 4.77 4.99 6.03 6.13 6.25 6.88 7.22 6.65 8.01
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 5.05 -6.33 4.58 5.28 5.47 5.80 6.00 7.03 7.35 6.85 8.08
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.08 1.16 0.99 0.86 1.02 0.97 0.79 0.87 0.93 0.98 1.04
Price to Tangible Book Value (P/TBV)		 1.12 1.21 1.02 0.89 1.05 1.00 0.81 0.90 0.96 1.01 1.07
Price to Revenue (P/Rev)		 4.15 6.00 4.80 4.42 5.14 3.96 3.18 3.40 3.63 3.77 3.95
Price to Earnings (P/E)		 16.53 66.14 47.95 43.81 46.17 15.19 10.11 10.36 10.94 11.30 11.66
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.46% 0.87% 1.19%
Earnings Yield		 6.05% 1.51% 2.09% 2.28% 2.17% 6.58% 9.90% 9.65% 9.14% 8.85% 8.58%
Enterprise Value to Invested Capital (EV/IC)		 0.71 0.92 0.72 0.35 0.44 0.68 0.44 0.46 0.23 0.52 0.37
Enterprise Value to Revenue (EV/Rev)		 3.65 7.05 4.72 2.43 2.93 3.58 2.26 2.33 1.13 2.12 1.52
Enterprise Value to EBITDA (EV/EBITDA)		 12.33 66.94 24.69 12.55 14.91 9.78 6.02 5.97 2.78 5.16 3.55
Enterprise Value to EBIT (EV/EBIT)		 11.41 55.58 23.32 12.33 14.10 9.42 5.80 5.73 2.75 5.20 3.62
Enterprise Value to NOPAT (EV/NOPAT)		 14.54 61.54 44.46 23.60 26.35 13.95 7.40 7.31 3.42 6.66 4.68
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.91 18.25 10.25 5.52 7.49 11.33 8.22 7.95 3.45 5.89 3.99
Enterprise Value to Free Cash Flow (EV/FCFF)		 9.07 2.12 1.78 0.00 0.00 6.36 29.60 13.06 7.10 2.66 2.15
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.33 0.48 0.35 0.34 0.33 0.29 0.28 0.28 0.28 0.07 0.09
Long-Term Debt to Equity		 0.33 0.48 0.35 0.34 0.33 0.29 0.28 0.28 0.28 0.07 0.09
Financial Leverage		 0.40 0.86 0.67 0.22 0.33 0.38 0.31 0.31 0.30 0.18 0.19
Leverage Ratio		 11.11 10.81 10.67 10.61 10.40 9.70 9.55 9.66 9.60 9.19 9.10
Compound Leverage Factor		 11.11 11.38 10.21 11.36 10.40 10.06 9.77 10.15 9.60 10.23 9.38
Debt to Total Capital		 24.78% 32.52% 25.78% 25.29% 24.93% 22.59% 22.09% 22.03% 21.58% 6.88% 8.59%
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		 24.78% 32.52% 25.78% 25.29% 24.93% 22.59% 22.09% 22.03% 21.58% 6.88% 8.59%
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		 75.22% 67.48% 74.22% 74.71% 75.07% 77.41% 77.91% 77.97% 78.42% 93.12% 91.41%
Debt to EBITDA		 4.28 23.59 8.85 8.94 8.52 3.25 3.05 2.83 2.63 0.69 0.83
Net Debt to EBITDA		 -1.68 9.94 -0.45 -10.25 -11.22 -1.05 -2.45 -2.73 -6.12 -4.00 -5.71
Long-Term Debt to EBITDA		 4.28 23.59 8.85 8.94 8.52 3.25 3.05 2.83 2.63 0.69 0.83
Debt to NOPAT		 5.05 21.69 15.93 16.82 15.05 4.64 3.75 3.46 3.23 0.89 1.10
Net Debt to NOPAT		 -1.99 9.14 -0.81 -19.29 -19.82 -1.50 -3.01 -3.35 -7.52 -5.16 -7.52
Long-Term Debt to NOPAT		 5.05 21.69 15.93 16.82 15.05 4.64 3.75 3.46 3.23 0.89 1.10
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)		 12 131 117 -69 -22 23 -8.69 -3.35 -5.47 37 32
Operating Cash Flow to CapEx		 14,539.53% 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%
Free Cash Flow to Firm to Interest Expense		 0.88 9.33 8.32 -4.80 -1.46 1.57 -0.64 -0.25 -0.40 2.73 2.61
Operating Cash Flow to Interest Expense		 0.44 0.32 0.51 0.11 0.31 0.34 0.40 0.24 0.55 0.56 0.61
Operating Cash Flow Less CapEx to Interest Expense		 0.44 0.32 0.51 0.10 0.31 0.34 0.40 0.24 0.55 0.55 0.61
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.02 0.02 0.02 0.02 0.02 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 46.99 38.01 43.02 43.88 47.82 62.26 68.58 73.65 80.81 85.31 92.99
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 281 322 297 303 307 304 311 312 319 272 285
Invested Capital Turnover		 0.19 0.11 0.13 0.17 0.16 0.18 0.20 0.20 0.21 0.23 0.23
Increase / (Decrease) in Invested Capital		 -8.33 -135 -115 73 27 -18 14 8.74 11 -32 -26
Enterprise Value (EV)		 201 297 214 108 134 207 136 145 73 140 104
Market Capitalization		 228 253 218 196 235 229 191 211 233 249 271
Book Value per Share		 $11.87 $12.20 $12.34 $12.59 $12.69 $12.93 $13.18 $13.52 $13.84 $14.03 $14.51
Tangible Book Value per Share		 $11.44 $11.77 $11.92 $12.18 $12.28 $12.52 $12.78 $13.11 $13.43 $13.63 $14.10
Total Capital		 281 322 297 303 307 304 311 312 319 272 285
Total Debt		 70 105 77 77 77 69 69 69 69 19 24
Total Long-Term Debt		 70 105 77 77 77 69 69 69 69 19 24
Net Debt		 -27 44 -3.90 -88 -101 -22 -55 -66 -160 -109 -167
Capital Expenditures (CapEx)		 0.04 0.08 0.01 0.05 0.06 0.02 0.02 0.01 0.00 0.02 0.01
Net Nonoperating Expense (NNE)		 0.00 0.45 0.06 -0.27 0.00 0.00 -0.11 -0.27 0.00 0.00 -0.19
Net Nonoperating Obligations (NNO)		 70 105 77 77 77 69 69 69 69 19 24
Total Depreciation and Amortization (D&A)		 -0.20 -0.06 -0.19 0.29 -0.56 -0.34 -0.25 0.14 0.13 0.20 0.07
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.23 ($0.28) $0.08 $0.23 $0.26 $0.27 $0.28 $0.31 $0.31 $0.32 $0.36
Adjusted Weighted Average Basic Shares Outstanding		 17.80M 17.88M 17.98M 18.19M 18.20M 18.38M 17.99M 18.05M 18.07M 17.94M 18.00M
Adjusted Diluted Earnings per Share		 $0.22 ($0.28) $0.07 $0.23 $0.25 $0.27 $0.28 $0.31 $0.31 $0.31 $0.35
Adjusted Weighted Average Diluted Shares Outstanding		 17.80M 17.88M 17.98M 18.19M 18.20M 18.38M 17.99M 18.05M 18.07M 17.94M 18.00M
Adjusted Basic & Diluted Earnings per Share		 $0.00 ($0.28) $0.00 $0.00 $0.00 $0.27 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 17.80M 17.88M 17.98M 18.19M 18.20M 18.38M 17.99M 18.05M 18.07M 17.94M 18.00M
Normalized Net Operating Profit after Tax (NOPAT)		 4.04 -4.62 3.34 3.88 4.67 4.90 5.05 5.39 5.58 5.65 6.20
Normalized NOPAT Margin		 29.79% -147.70% 24.91% 27.35% 31.07% 32.37% 32.42% 32.85% 32.69% 33.03% 34.36%
Pre Tax Income Margin		 38.65% -210.99% 34.07% 37.62% 40.15% 42.03% 41.01% 44.07% 42.30% 43.31% 45.70%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.37 -0.45 0.34 0.35 0.40 0.43 0.46 0.50 0.52 0.49 0.64
NOPAT to Interest Expense		 0.29 -0.33 0.10 0.27 0.31 0.34 0.37 0.39 0.40 0.41 0.50
EBIT Less CapEx to Interest Expense		 0.37 -0.45 0.34 0.35 0.40 0.43 0.46 0.50 0.52 0.49 0.64
NOPAT Less CapEx to Interest Expense		 0.28 -0.34 0.10 0.27 0.31 0.34 0.37 0.39 0.40 0.41 0.50
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 9.82% 13.93%
Augmented Payout Ratio		 15.79% 38.20% 5.29% 0.27% 0.24% 0.00% 0.00% 22.72% 21.75% 40.10% 42.61%

Financials Breakdown Chart

Key Financial Trends

FVCBankcorp (NASDAQ: FVCB) is showing solid earnings and operating cash flow in Q1 2026, but the bigger story is balance sheet mix and volatility in liquidity-management items. The bank produced $6.4 million in net income in the quarter, up from $5.6 million in Q4 2025 and $5.2 million in Q1 2025. Operating cash flow also remained healthy at $7.6 million, suggesting the core banking franchise is still generating cash.

That said, FVCB continues to run a very large balance sheet relative to equity, with $2.34 billion in assets against just $260.3 million in common equity. For retail investors, that means earnings are healthy, but the stock still depends heavily on deposit stability, credit quality, and how efficiently the bank manages its securities portfolio and funding costs.

  • Q1 2026 net income rose to $6.4 million, compared with $5.6 million in Q4 2025 and $5.2 million in Q1 2025.
  • Operating cash flow was strong at $7.6 million in Q1 2026, roughly in line with the prior two quarters.
  • Net interest income improved to $17.4 million in Q1 2026 from $16.9 million in Q4 2025.
  • Deposit-related funding appears to be stabilizing, with net change in deposits of $30.5 million in Q1 2026 after more volatile moves in 2025.
  • The company ended Q1 2026 with $260.3 million in common equity, up modestly from $249.8 million in Q3 2025.
  • Non-interest income remains a relatively small contributor versus interest income, so results still depend mostly on the spread business.
  • The balance sheet remains unusual, with no reported net loans and leases and a large amount of assets tied up in deposits and securities-related categories.
  • Long-term debt was relatively modest at $24.5 million in Q1 2026, lower than $68.7 million in Q3 2025.
  • Total liabilities were very high at $2.08 billion, leaving the bank highly leveraged versus equity.
  • The investment portfolio created meaningful cash outflow in Q1 2026, with net investing cash flow of negative $39.2 million.
  • AOCI stayed negative at -$18.7 million, indicating unrealized losses or other comprehensive losses are still weighing on equity.
  • Provision expense was $168,000 in Q1 2026, and the bank has shown periodic swings in credit loss provisioning over the last several quarters.

Longer-term trend: compared with 2024, FVCB’s earnings base has improved meaningfully. Quarterly net income has moved from roughly $1.3 million in Q1 2024 to the $5 million-$6 million range in 2025 and Q1 2026. Revenue has also been more consistent, while expense control has generally held up. However, the bank’s liquidity and funding movements have been choppy, and the balance sheet remains large relative to capital.

Bottom line: FVCB looks profitable and cash-generative, but investors should watch deposit trends, securities-related cash flows, and any sign of credit deterioration. The stock’s fundamental picture is constructive, yet the leverage profile and asset mix suggest it is not a low-risk banking story.

07/06/26 08:09 AM ETAI Generated. May Contain Errors.

Fvcbankcorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Fvcbankcorp's financial year ends in December. Their financial 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. View Fvcbankcorp's forecast to see where analysts expect Fvcbankcorp to go next.

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%.

Fvcbankcorp's total liabilities were at $2.04 billion at the end of 2025, a 3.8% increase from 2024, and a 113.5% increase since 2017.

In the past 8 years, Fvcbankcorp's cash and equivalents has ranged from $5.68 million in 2025 to $24.61 million in 2021, and is currently $5.68 million as of their latest financial filing in 2025.

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%.


Related Companies

Financial statements for NASDAQ:FVCB last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
From Our Partners
The Starlink of Energy
A portable energy unit - already used by the U.S. Navy for decades - is now drawing serious attention from Big...
Monument Traders Alliance | Sponsoredtc pixel
Trump Takes Emergency Action - Plus Elon Musk's New Venture
Elon Musk has quietly launched a new venture - one that has nothing to do with rockets, EVs, or Neuralink. Tru...
Altimetry | Sponsoredtc pixel
PH: Do THESE 4 things to your bank account now …
In a few short months, the US government could gain unprecedented powers over personal bank accounts - includi...
Weiss Ratings | Sponsoredtc pixel
The REAL Reason Trump is Invading Iran
For a moment… Forget about Trump’s ties to Israel. Forget about reports of Iran’s nuclear program. Be...
Banyan Hill Publishing | Sponsoredtc pixel
Elon Musk on His New Invention: “An Infinite Money Glitch.”
Jeff Brown and Marc Chaikin - two investors who spotted Nvidia a decade ago - are now pointing to Elon Musk's ...
Brownstone Research | Sponsoredtc pixel
Buy the “unseen winner of the AI race” before July 22
Marc Chaikin - the analyst who called Nvidia before a 45,000% surge - says one overlooked AI stock could split...
Chaikin Analytics | Sponsoredtc pixel
The cat is out the bag
Almost 80,000 tech jobs vanished in the first three months of 2026. Meta cut 14,000 roles, Microsoft offered s...
Porter & Company | Sponsoredtc pixel
They proved it worked in '76. Then buried it.
In 1976, Chevron, Unocal, and Texaco each confirmed the same energy technology worked - no fuel costs, no carb...
Behind the Markets | Sponsoredtc pixel