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Home CompaniesFVCBankcorp Inc

FVCBankcorp Inc

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
16.26 USD -0.01 ( 0.06%)
Last update at 2026-11-12T15:03:00Z
VOLUME
6381
Market Cap
333.81M
P/E
12.94

Momentum Score

…

FVCBankcorp, Inc. operates as the bank holding company for FVCbank provides various banking products and services for small and medium-sized businesses, professionals, non-profit organizations and associations, and investors. The company provides various deposit products which includes interest and noninterest-bearing transaction accounts, certificates of deposit, savings, and money market accounts. It offers lending products comprising commercial real estate loans; commercial construction loans; commercial loans for a range of business purposes, such as for working capital, equipment purchases, lines of credit, and government contract financing; small business administration lending; asset based lending and accounts receivable financing; home equity loans or home equity lines of credit; and consumer loans for constructive purposes. In addition, the company provides business and consumer credit cards; merchant services; business insurance products; and digital banking, remote deposit, and mobile banking services. FVCBankcorp, Inc. was founded in 2007 and is headquartered in Fairfax, Virginia.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
16.19
Low
16.71
High
52 Week Price Range
11.68
Low
19.11
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

FVCBankcorp Inc is a regional bank holding company that operates through its subsidiary FVCBank to provide commercial and consumer banking services such as deposit-taking and lending. Long-term growth drivers include loan portfolio expansion, margin improvement tied to interest-rate dynamics, and selective market growth, and investors may find exposure to a small-cap community bank that may benefit from higher loan yields and increased fee income.
Key investment risks include credit losses from commercial real estate or regional economic weakness, sensitivity to interest-rate and liquidity conditions, competitive pressure from larger banks and fintech firms, and regulatory or capital constraints that could limit growth.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
16.27
Dividend Yield
1.41%
Revenue TTM
72.81M
Revenue Per Share
4.04
Gross Profit TTM
72.81M
Debt / Equity
0.10
ROE
10.14%
Net Debt
19.55M
ROCE
2.38%
Diluted EPS TTM
1.43

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 28.25M 22.30M 4.23M 30.99M 28.21M
Net income 22.06M 15.06M 3.82M 24.98M 21.93M
Selling general administrative 22.23M 20.71M 0.86M 20.32M 18.98M
Selling and marketing expenses - 0.97M 0.72M - -
Gross profit 65.82M 53.85M 42.37M 68.11M 61.02M
Reconciled depreciation 0.34M 0.45M 0.59M 0.69M 0.86M
Ebit - 22.30M 16.33M 45.74M 28.21M
Ebitda 28.25M 22.74M 16.33M 46.43M 29.07M
Depreciation and amortization - 0.45M 0.59M 0.69M 0.86M
Operating income 28.25M 22.30M 16.33M 45.74M 28.21M
Other operating expenses 93.79M 89.28M 0.86M -22.37M -32.81M
Interest expense 54.63M 57.72M 0.00M 15.44M 10.48M
Tax provision 6.19M 7.23M 0.41M 6.00M 6.28M
Interest income 118.40M 112.70M 105.97M 80.68M 68.43M
Net interest income 63.77M 54.98M 53.75M 65.24M 57.95M
Income tax expense 6.19M 7.23M 0.41M 6.00M 6.28M
Total revenue 122.03M 111.58M 42.37M 68.11M 61.02M
Total operating expenses 37.57M 31.55M 0.86M -22.37M -32.81M
Cost of revenue 56.22M 57.73M 52.22M - -
Total other income expense net - -8.40M -12.10M -14.75M -10.48M
Net income from continuing ops 22.06M 15.06M 3.82M 24.98M 21.93M
Net income applicable to common shares - - - 24.98M 21.93M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 2292.26M 2198.95M 2190.56M 2344.32M 2202.92M
Intangible assets 0.14M 0.26M 7.58M 0.63M 0.90M
Other current assets -10.28M - 60.52M - 1585.21M
Total liab 2038.66M 1963.60M 104.62M 2141.94M 1993.13M
Total stockholder equity 253.60M 235.35M 217.12M 202.38M 209.80M
Other current liab 1100.38M -7.64M 396.72M -236.27M -26.03M
Common stock 0.18M 0.18M 0.18M 0.17M 0.14M
Capital stock 0.18M 0.18M 0.18M 0.17M 0.14M
Retained earnings 150.86M 130.97M 115.89M 114.89M 89.90M
Other liab - - - - 64.85M
Good will 7.16M 7.16M 7.16M 7.16M 7.16M
Other assets 2125.16M 1995.32M 0.00M 1687.92M 1228.44M
Cash 5.68M 8.16M -8.04M 81.55M 240.96M
Total current liabilities 1104.26M 7.64M 396.72M 236.27M 26.03M
Current deferred revenue - - -2.42M - -
Net debt 19.55M -14.62M 112.66M 438.01M -196.45M
Short term debt 1.80M 7.64M 9.24M 235.00M 25.00M
Short long term debt 0.00M 50.00M 85.00M 235.00M 25.00M
Short long term debt total 25.24M 76.33M 104.62M 519.57M 44.51M
Other stockholder equity 122.14M 127.47M 125.39M 123.89M 121.80M
Property plant equipment - - - 1.22M 1.58M
Total current assets 159.11M 174.95M 60.52M 369.06M 606.81M
Long term investments 153.42M 156.74M 171.86M 278.33M 358.04M
Net tangible assets - - - 194.59M 201.74M
Short term investments 153.42M 156.47M 171.59M 278.07M 357.77M
Net receivables 10.28M 10.31M 10.32M 9.44M 8.07M
Long term debt 18.75M 18.70M 19.62M 284.56M 44.51M
Inventory - - -2.28M - -
Accounts payable 2.08M 2.50M 2.42M 1.27M 1.03M
Accumulated other comprehensive income -19.58M -23.27M -24.16M -36.57M -2.04M
Common stock total equity - - - 0.17M 0.14M
Retained earnings total equity - - - 114.89M 89.90M
Non currrent assets other -2075.82M 13.27M 130.41M -18.53M -8.63M
Non current assets total 7.99M 28.68M 2130.04M 287.34M 367.67M
Capital lease obligations 6.49M 7.64M 9.24M 10.39M 11.11M
Long term debt total - - - 19.57M 19.51M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 13.20M -8.92M 149.23M -247.74M -366.77M
Change to liabilities - - - 4.56M -6.40M
Total cashflows from investing activities -94.66M - - -225.83M -344.34M
Net borrowings -50.00M - - 28.75M -23.81M
Total cash from financing activities 68.32M -9.19M -164.71M 186.08M 328.67M
Change to operating activities - - - - -6.40M
Net income 22.06M 15.06M 3.82M 24.98M 21.93M
Change in cash -2.48M 0.12M 0.79M -17.36M 3.78M
Begin period cash flow 8.16M 8.04M 7.25M 24.61M 20.84M
End period cash flow 5.68M 8.16M 8.04M 7.25M 24.61M
Total cash from operating activities 23.86M 18.23M 16.27M 22.39M 19.45M
Issuance of capital stock 0.55M 1.66M 1.74M 1.67M 1.22M
Depreciation 0.34M 0.45M 0.59M 0.69M 0.86M
Other cashflows from investing activities -94.66M - 41.72M -215.58M -123.93M
Dividends paid 2.17M - 15.12M - -
Change to inventory - - 4.35M -4.56M 6.40M
Change to account receivables 1.35M 2.51M -0.02M -9.09M 9.48M
Sale purchase of stock -6.68M 0.00M -1.46M -0.73M 1.22M
Other cashflows from financing activities 126.62M - -14.99M -23.61M 351.26M
Change to netincome - - - 3.04M -1.18M
Capital expenditures 0.05M 0.14M 0.21M 0.17M 0.48M
Cash flows other operating - - - -9.28M 9.04M
Cash and cash equivalents changes - - - -17.36M 3.78M
Change in working capital 0.79M 2.63M -4.36M -4.54M 3.08M
Stock based compensation 0.85M 0.79M 1.14M 1.18M 1.01M
Other non cash items 1.01M -1.85M 14.14M -0.45M -8.45M
Free cash flow 23.86M 18.09M 16.06M 22.23M 18.96M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
FVCB
FVCBankcorp Inc		 -0.01
0.06%		 16.26 12.94 12.38 4.58 1.25 5.03
DBSDY
DBS Group Holdings Ltd ADR		 -0.76
0.34%		 219.92 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.62 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.28
0.82%		 34.49 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.46
0.49%		 92.86 11.53 10.27 5.72 1.83 8.22

Profile*

FVCBankcorp Inc

FVCBankcorp, Inc. operates as the bank holding company for FVCbank provides various banking products and services for small and medium-sized businesses, professionals, non-profit organizations and associations, and investors. The company provides various deposit products which includes interest and noninterest-bearing transaction accounts, certificates of deposit, savings, and money market accounts. It offers lending products comprising commercial real estate loans; commercial construction loans; commercial loans for a range of business purposes, such as for working capital, equipment purchases, lines of credit, and government contract financing; small business administration lending; asset based lending and accounts receivable financing; home equity loans or home equity lines of credit; and consumer loans for constructive purposes. In addition, the company provides business and consumer credit cards; merchant services; business insurance products; and digital banking, remote deposit, and mobile banking services. FVCBankcorp, Inc. was founded in 2007 and is headquartered in Fairfax, Virginia.

11325 Random Hills Road, Fairfax, VA, United States, 22030

703 436 3800

https://www.fvcbank.com

135

Name Title Year Born
Mr. David W. Pijor Esq. Chairman & CEO 1952
Ms. Patricia Ann Ferrick CPA Pres, Sec. & Director 1962
Mr. William G. Byers Exec. VP & Chief Lending Officer 1962
Ms. Jennifer L. Deacon CPA Exec. VP & CFO 1975
Mr. B. Todd Dempsey Exec. VP & COO 1958
Michelle L. Buckles Sr. VP & Director of Compliance NA
Alberta A. Gibson Sr. VP & Director of HR NA
Mr. Michael G. Nassy Exec. VP & Chief Credit Officer 1975
Terry R. Frey Sr. VP of Loan Operations NA
Jacqueline S. Marbell-Edson Sr. VP of Credit Admin. NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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