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May 21, 2026·SEC
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FVCBankcorp, Inc.(FVCB)Earnings, Financials & Key Ratios
FVCB•NASDAQ•Banking & Credit
$17.26
14.3× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutFVCBankcorp, Inc. operates as the holding company for FVCbank that provides various banking products and services in Virginia. It offers deposit products, including interest and noninterest-bearing transaction accounts, checking and savings accounts, money market accounts, and certificates of deposit. The company also provides commercial real estate loans; commercial construction loans; commercial loans for various business purposes, such as for working capital, equipment purchases, lines of credit, and government contract financing; small business administration loans; asset-based loans and accounts receivable financing; home equity loans; and consumer loans. In addition, it offers business and consumer credit cards; merchant services; business insurance products; and online banking, remote deposit, and mobile banking services. The company serves the banking needs of commercial businesses, nonprofit organizations, professional service entities, and their respective owners and employees located in the greater Washington, D.C., and Baltimore metropolitan areas. It operates a network of 9 additional branch offices in Arlington, Virginia; the independent city of Manassas, Virginia; Reston, Fairfax County, Virginia; Springfield, Fairfax County in Virginia; Montgomery County and Baltimore in Maryland, and Washington, D.C. FVCBankcorp, Inc. was founded in 2007 and is headquartered in Fairfax, Virginia.Show more
- Net Interest Income$64M+16.0%
- Total Revenue$122M+9.4%
- Net Income$22M+46.4%
- Return on Equity9.02%+35.5%
- Net Interest Margin2.78%+11.3%
- Efficiency Ratio30.79%+8.9%
- ROA0.98%+43.1%
- Equity / Assets11.06%+3.4%
- Book Value per Share13.89+8.6%
FVCB Price & Volume
FVCBankcorp, Inc. (FVCB) stock price & volume — 10-year historical chart
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Disciplined Margin Management Amidst Asset Concentration Risks
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Improving
Primary Risk:CRE and funding concentration
Key Thesis Takeaways
- FVCB demonstrates a resilient operational profile characterized by 16.6% year-over-year net interest income growth as of 2026Q1, supported by a disciplined 32.2% efficiency ratio.
- While the bank's consistent earnings retention and recent initiation of a $1.1 million quarterly dividend reflect maturing capital allocation, investors should monitor the significant concentration of $2.2 billion in investment securities relative to $2.3 billion in total assets.
- The bank's reliance on commercial deposits and stagnant 0.7% net interest margin suggests potential sensitivity to funding cost volatility that warrants cautious long-term evaluation.
Verdict Logic
while the bank shows improving profitability with a 2.5% ROE in 2026Q1, the high concentration of assets in securities and a stagnant 0.7% NIM suggest limited upside potential in the current rate environment.
FVCB Growth Metrics
FVCBankcorp, Inc. (FVCB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years16.1%
5 Years12.11%
3 Years13.46%
TTM-
Profit CAGR
10 Years15.07%
5 Years7.31%
3 Years-4.07%
TTM23.24%
EPS CAGR
10 Years11.43%
5 Years6.58%
3 Years-3.58%
TTM24.27%
Return on Capital
10 Years9.67%
5 Years8.99%
3 Years6.75%
Last Year9.93%
FVCB Recent Earnings
FVCBankcorp, Inc. (FVCB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 5/12 qtrs (56%)●Beat Revenue 3/12 qtrs (33%)
Q2 2026Latest
Apr 21, 2026Metric
Actual
Est
EPS
$0.35+6.1%
$0.33
Rev
$18M+0.2%
$18M
Q2 2026
Mar 16, 2026Metric
Actual
Est
EPS
$0.31
—
Rev
$32M
—
Q1 2026
Jan 20, 2026Metric
Actual
Est
EPS
$0.31+0.0%
$0.31
Rev
$18M+1.6%
$18M
Q4 2025
Oct 21, 2025Metric
Actual
Est
EPS
$0.31+0.0%
$0.31
Rev
$17M-3.4%
$17M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 21, 2026 | $0.35vs $0.33+6.1% | $18Mvs $18M+0.2% |
| Q2 2026 | Mar 16, 2026 | $0.31 | $32M |
| Q1 2026 | Jan 20, 2026 | $0.31vs $0.31+0.0% | $18Mvs $18M+1.6% |
| Q4 2025 | Oct 21, 2025 | $0.31vs $0.31+0.0% | $17Mvs $17M-3.4% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for FVCBankcorp, Inc. (FVCB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $17.26 | $310.62M | 14.26 | 9.37% | 18.07% | 9.02% | 0.69% | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $24.06 | $171.21M | 13.67 | -1.44% | 12.96% | 7.98% | — | |
| $74.33 | $358.26M | 23.75 | -6.46% | 12.83% | 7.33% | — | |
| $49.63 | $2.58B | 14.90 | 10.36% | 19.66% | 9.83% | — | |
| $29.30 | $264.9M | 14.95 | 27.11% | 18.05% | 11.51% | — |
Compare FVCB vs Peers
FVCBankcorp, Inc. (FVCB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FVCB SEC Filings & Documents
FVCBankcorp, Inc. (FVCB) SEC filings — annual & quarterly reports (10-K, 10-Q)
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FVCB Frequently Asked Questions
FVCBankcorp, Inc. (FVCB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is FVCBankcorp, Inc. growing?
FVCBankcorp, Inc. (FVCB) grew revenue by 9.4% over the past year. This is steady growth.
Is FVCB profitable?
Yes, FVCBankcorp, Inc. (FVCB) is profitable, generating $23.3M in net income for fiscal year 2025 (18.1% net margin).
Dividend & Returns
Does FVCB pay dividends?
Yes, FVCBankcorp, Inc. (FVCB) pays a dividend with a yield of 0.69%. This makes it attractive for income-focused investors.
What is FVCB's return on equity?
FVCBankcorp, Inc. (FVCB) has a return on equity (ROE) of 9.0%. This is below average, suggesting room for improvement.
Industry Metrics
What is FVCBankcorp, Inc.'s net interest margin?
FVCBankcorp, Inc. (FVCB) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.
What is FVCBankcorp, Inc.'s efficiency ratio?
FVCBankcorp, Inc. (FVCB) has an efficiency ratio of 30.8%. This is excellent, indicating strong cost control.