NASDAQ : FVCB
FVCBankcorp, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 17.04 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 307.30M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 112.41M | 108.91M | 106.67M | 98.37M | 73.62M | 63.97M |
| Interest Income on Investments | 9.48M | 9.48M | 6.64M | 8.24M | 7.06M | 4.45M |
| Total Interest Income | 121.90M | 118.40M | 113.31M | 106.61M | 80.68M | 68.43M |
| Interest Paid on Deposits | 47.38M | 52.03M | 53.21M | 47.34M | 12.47M | 7.60M |
| Interest Paid on Borrowings | 2.60M | 2.60M | 4.52M | 4.87M | 2.97M | 2.88M |
| Total Interest Expense | 49.98M | 54.63M | 57.72M | 52.22M | 15.44M | 10.48M |
| Net Interest Income | 71.91M | 63.77M | 55.59M | 54.40M | 65.24M | 57.95M |
| Gain (Loss) on Sale of Investments | 847.00K | -15.58M | ||||
| Gain (Loss) on Sale of Equity Investments | -1.11M | -33.00K | 1.46M | |||
| Other Non-Interest Income | 1.78M | 2.39M | 1.41M | 2.29M | 1.91M | 1.81M |
| Total Non-Interest Income | 4.26M | 3.64M | 2.53M | -13.37M | 2.83M | 4.30M |
| Revenues Before Loan Losses | 76.18M | 67.41M | 58.12M | 41.03M | 68.08M | 62.25M |
| Provision for Loan Losses | 1.50M | 1.59M | 6.00K | 132.00K | 2.63M | -500.00K |
| Revenue | 74.67M | 65.82M | 58.12M | 40.89M | 65.45M | 62.75M |
| Salaries and Employee Benefits | 21.24M | 19.27M | 17.96M | 19.04M | 19.13M | 17.97M |
| Occupancy Expenses | 431.00K | 431.00K | 454.00K | 624.00K | 686.00K | 1.66M |
| Federal Deposit Insurance | 1.10M | 1.10M | 1.32M | 1.43M | 620.00K | 770.00K |
| Amortization of Goodwill & Intangibles | 125.00K | 125.00K | 165.00K | 205.00K | 262.00K | 305.00K |
| Selling, General & Administrative | 9.87M | 9.64M | 9.68M | 9.23M | 9.06M | 7.20M |
| Other Non-Interest Expense | 7.22M | 7.00M | 6.24M | 5.67M | 4.58M | 5.42M |
| Total Non-Interest Expense | 39.99M | 37.57M | 35.82M | 36.20M | 34.34M | 33.09M |
| EBT Excluding Unusual Items | 34.69M | 28.25M | 22.30M | 4.69M | 31.11M | 29.65M |
| Pretax Income | 34.69M | 28.25M | 22.30M | 4.23M | 30.99M | 28.21M |
| Income Tax Expense | 7.79M | 6.19M | 7.23M | 410.00K | 6.00M | 6.28M |
| Net Income | 26.89M | 22.06M | 15.06M | 3.82M | 24.98M | 21.93M |
| Net Income to Common | 26.89M | 22.06M | 15.06M | 3.82M | 24.98M | 21.93M |
| Basic Shares Outstanding | 18.00M | 18.12M | 18.06M | 17.72M | 17.43M | 17.06M |
| Diluted Shares Outstanding | 18.12M | 18.26M | 18.40M | 18.23M | 18.48M | 18.23M |
| EPS (Basic) | 1.49 | 1.22 | 0.83 | 0.22 | 1.43 | 1.29 |
| EPS (Diluted) | 1.48 | 1.21 | 0.82 | 0.21 | 1.35 | 1.20 |
| Dividend Per Share | 0.27 | 0.18 | ||||
| Effective Tax Rate | 22.46% | 21.91% | 32.44% | 9.69% | 19.38% | 22.25% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 6.90M | 5.68M | 8.16M | 8.04M | 7.25M | 24.61M |
| Investment Securities | 182.98M | 146.45M | 109.13M | 80.32M | 106.51M | 246.19M |
| Trading Asset Securities | 1.43M | 3.54M | 2.85M | 4.26M | 6.05M | |
| Mortgage-Backed Securities | 138.89M | 128.92M | 130.40M | 144.02M | 246.12M | 328.03M |
| Total Investments | 321.88M | 276.80M | 243.06M | 227.19M | 356.89M | 580.27M |
| Gross Loans | 1.91B | 1.94B | 1.87B | 1.83B | 1.84B | 1.51B |
| Allowance for Loan Losses | -18.80M | -18.89M | -18.13M | -18.87M | -16.04M | -13.83M |
| Other Adjustments to Gross Loans | -262.00K | -3.54M | ||||
| Net Loans | 1.90B | 1.92B | 1.85B | 1.81B | 1.82B | 1.49B |
| Property, Plant & Equipment | 626.00K | 6.75M | 7.98M | 9.39M | 10.90M | 11.75M |
| Goodwill | 7.16M | 7.16M | 7.16M | 7.16M | 7.16M | |
| Other Intangible Assets | 7.23M | 138.00K | 263.00K | 428.00K | 633.00K | 895.00K |
| Accrued Interest Receivable | 10.28M | 10.31M | 10.32M | 9.44M | 8.07M | |
| Other Current Assets | 3.31M | 3.41M | 3.51M | 3.27M | 1.39M | |
| Long-Term Deferred Tax Assets | 12.25M | 13.27M | 14.82M | 18.53M | 8.63M | |
| Other Long-Term Assets | 81.41M | 45.78M | 49.23M | 94.25M | 94.76M | 68.27M |
| Total Assets | 2.31B | 2.29B | 2.20B | 2.19B | 2.34B | 2.20B |
| Accrued Expenses | 12.17M | 10.11M | 8.42M | 11.29M | 45.45M | |
| Interest Bearing Deposits | 1.57B | 1.48B | 1.35B | 1.28B | 1.23B | 1.21B |
| Institutional Deposits | 157.51M | 156.90M | 164.90M | 159.50M | 89.70M | |
| Non-Interest Bearing Deposits | 427.32M | 363.23M | 365.67M | 396.72M | 438.27M | 581.29M |
| Total Deposits | 2.00B | 2.00B | 1.87B | 1.85B | 1.83B | 1.88B |
| Short-Term Borrowings | 1.43M | 53.54M | 87.85M | 269.26M | 31.05M | |
| Current Portion of Leases | 1.80M | |||||
| Accrued Interest Payable | 2.08M | 2.50M | 2.42M | 1.27M | 1.03M | |
| Long-Term Debt | 24.53M | 18.75M | 18.70M | 19.62M | 19.57M | 20.71M |
| Long-Term Leases | 4.68M | 7.64M | 9.24M | 10.39M | 11.11M | |
| Other Long-Term Liabilities | 23.58M | 471.00K | 510.00K | 602.00K | ||
| Total Liabilities | 2.04B | 2.04B | 1.96B | 1.97B | 2.14B | 1.99B |
| Common Stock | 291.74M | 179.00K | 182.00K | 178.00K | 175.00K | 137.00K |
| Additional Paid-In Capital | 122.14M | 127.47M | 125.21M | 123.89M | 121.80M | |
| Retained Earnings | 150.86M | 130.97M | 115.89M | 114.89M | 89.90M | |
| Comprehensive Income & Other | -23.24M | -19.58M | -23.27M | -24.16M | -36.57M | -2.04M |
| Shareholders' Equity | 268.50M | 253.60M | 235.35M | 217.12M | 202.38M | 209.80M |
| Total Liabilities & Equity | 2.31B | 2.29B | 2.20B | 2.19B | 2.34B | 2.20B |
| Total Debt | 24.53M | 26.66M | 79.87M | 116.71M | 299.22M | 62.87M |
| Net Cash (Debt) | 165.35M | 102.39M | 14.62M | -53.34M | -213.41M | 184.14M |
| Net Cash Per Share | 9.12 | 5.61 | 0.79 | -2.93 | -11.55 | 10.10 |
| Filing Date Shares Outstanding | 18.03M | 17.94M | 18.38M | 17.88M | 17.67M | 17.41M |
| Total Common Shares Outstanding | 18.03M | 17.92M | 18.20M | 17.81M | 17.48M | 17.16M |
| Book Value Per Share | 14.89 | 14.15 | 12.93 | 12.19 | 11.58 | 12.23 |
| Tangible Book Value | 261.27M | 246.31M | 227.93M | 209.53M | 194.59M | 201.74M |
| Tangible Book Value Per Share | 14.49 | 13.75 | 12.52 | 11.77 | 11.14 | 11.76 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 22.06M | 15.06M | 3.82M | 24.98M | 21.93M | |
| Depreciation & Amortization | 337.00K | 445.00K | 595.00K | 686.00K | 860.00K | |
| Other Amortization | 55.00K | 59.00K | 55.00K | 55.00K | 488.00K | |
| Gain (Loss) on Sale of Assets | -236.00K | |||||
| Gain (Loss) on Sale of Investments | 189.00K | 237.00K | 16.17M | 640.00K | 528.00K | |
| Provision for Credit Losses | 1.59M | 6.00K | 132.00K | 2.63M | -500.00K | |
| Accrued Interest Receivable | 1.35M | 2.51M | -16.00K | -9.09M | 9.48M | |
| Other Operating Activities | -769.00K | -623.00K | -2.67M | -3.25M | -7.72M | |
| Operating Cash Flow | 23.86M | 18.23M | 16.27M | 22.39M | 19.45M | |
| Capital Expenditures | -47.00K | -141.00K | -212.00K | -166.00K | -485.00K | |
| Investment in Securities | -25.96M | -16.73M | 129.54M | 131.96M | -316.04M | |
| Income (Loss) Equity Investments | 1.11M | |||||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -71.39M | -41.13M | 13.78M | -334.43M | -32.11M | |
| Other Investing Activities | 2.74M | 49.08M | 6.12M | -23.20M | 191.00K | |
| Investing Cash Flow | -94.66M | -8.92M | 149.23M | -225.83M | -344.34M | |
| Short-Term Debt Issued | 240.00M | |||||
| Total Debt Issued | 240.00M | |||||
| Short-Term Debt Repaid | -50.00M | -35.00M | -180.00M | |||
| Long-Term Debt Repaid | -984.00K | -1.25M | -23.81M | |||
| Total Debt Repaid | -50.00M | -35.98M | -180.00M | -1.25M | -23.81M | |
| Net Debt Issued (Repaid) | -50.00M | -35.98M | -180.00M | 238.75M | -23.81M | |
| Issuance of Common Stock | 545.00K | 1.66M | 1.74M | 1.67M | 1.22M | |
| Repurchase of Common Stock | -6.73M | -179.00K | -1.57M | -730.00K | ||
| Common Dividends Paid | -2.17M | |||||
| Net Increase (Decrease) in Deposit Accounts | 126.67M | 25.31M | 15.12M | -53.61M | 351.26M | |
| Financing Cash Flow | 68.32M | -9.19M | -164.71M | 186.08M | 328.67M | |
| Net Cash Flow | -2.48M | 119.00K | 789.00K | -17.36M | 3.78M | |
| Free Cash Flow | 23.81M | 18.09M | 16.06M | 22.23M | 18.96M | |
| Free Cash Flow Margin | 36.18% | 31.13% | 39.27% | 33.96% | 30.22% | |
| Free Cash Flow Per Share | 1.30 | 0.98 | 0.88 | 1.20 | 1.04 | |
| Cash Interest Paid | 55.00M | 57.57M | 51.02M | 15.14M | 9.36M | |
| Cash Income Tax Paid | 5.43M | 5.58M | 2.36M | 6.07M | 4.74M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 309.74M | 251.42M | 228.83M | 252.79M | 266.82M | 269.36M |
| Last Close Price | 16.87 | 13.68 | 12.25 | 13.84 | 14.87 | 15.34 |
| PE Ratio | 11.60 | 11.40 | 15.19 | 66.14 | 10.68 | 12.28 |
| PS Ratio | 4.07 | 3.82 | 3.94 | 6.18 | 4.08 | 4.29 |
| PB Ratio | 1.13 | 0.99 | 0.97 | 1.16 | 1.32 | 1.28 |
| P/FCF Ratio | 9.61 | 10.56 | 12.65 | 15.74 | 12.01 | 14.21 |
| P/OCF Ratio | 9.59 | 10.54 | 12.55 | 15.54 | 11.92 | 13.85 |
| Debt / Equity Ratio | 0.09 | 0.10 | 0.34 | 0.54 | 1.48 | 0.30 |
| Debt / FCF Ratio | 1.12 | 4.42 | 7.27 | 13.46 | 3.32 | |
| Net Debt / Equity Ratio | -0.62 | -0.40 | -0.06 | 0.25 | 1.05 | -0.88 |
| Net Debt / FCF Ratio | -4.30 | -0.81 | 3.32 | 9.60 | -9.71 | |
| Return on Equity (ROE) | 10.38% | 9.02% | 6.66% | 1.82% | 12.12% | 10.99% |
| Return on Assets (ROA) | 1.16% | 0.98% | 0.69% | 0.17% | 1.10% | 1.09% |
| Earnings Yield | 8.62% | 8.77% | 6.58% | 1.51% | 9.36% | 8.14% |
| FCF Yield | 10.41% | 9.47% | 7.91% | 6.35% | 8.33% | 7.04% |
| Dividend Yield | 1.63% | 1.28% | ||||
| Payout Ratio | 18.24% | 9.83% | ||||
| Buyback Yield / Dilution | 1.23% | 0.74% | -0.91% | 1.37% | -1.41% | -3.17% |
| Total Shareholder Return | 2.89% | 2.03% | -0.91% | 1.37% | -1.41% | -3.17% |