FVCBankcorp, Inc.
- Open
- 17.36
- Day high
- 17.53
- Day low
- 17.36
- Prev close
- 17.46
- Volume
- 100K
- Mkt cap
- $322M
- P/E (TTM)
- 13.9
- EPS (TTM)
- $1.26
- P/B
- 1.2
- P/S
- 2.6
- Yield
- 1.40%
- Per share
- $0.25
- ▼Insiders net selling -$23K over the last 3 months (0 open-market buys, 1 sale)
- 🏛Institutions accumulating (13F)
FVCBankcorp, Inc. (FVCB) is a Financial Services company listed on NASDAQ. The stock is up 47% over the past year. Over the trailing 3 months, insiders filed 0 open-market buys and 1 sale (SEC Form 4).
FVCBankcorp, Inc. (FVCB) financials & analyst ratings
Fundamentals (TTM)
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
FVCB earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 21, 2026 | $0.33 | $0.35 | +6.1% | $18M | +0.2% |
| Mar 16, 2026 | — | $0.31 | — | $32M | — |
| Jul 22, 2025 | $0.28 | $0.30 | +7.1% | $16M | +1.5% |
| Apr 22, 2025 | $0.24 | $0.28 | +16.7% | $14M | -10.0% |
| Mar 20, 2025 | — | $0.27 | — | $29M | — |
| Oct 22, 2024 | $0.24 | $0.25 | +4.2% | $14M | -2.4% |
| Jul 25, 2024 | $0.21 | $0.23 | +9.5% | $13M | -0.9% |
| Mar 21, 2024 | — | $-0.28 | — | $18M | — |
| Jul 25, 2023 | $0.22 | $0.23 | +4.5% | $15M | +2.9% |
| Apr 20, 2023 | $0.24 | $0.26 | +8.3% | $21M | +25.2% |
| Mar 24, 2023 | — | $0.27 | — | $24M | — |
| Oct 20, 2022 | $0.38 | $0.38 | +0.0% | $18M | -5.4% |
FVCB insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 24, 2026 | Jackson Sharon L.officer: EVP, Chief Banking Officer | Tax | 506 | $17.24 |
| Jun 24, 2026 | Curry Briggs Alissaofficer: EVP, Chief Lending Officer | Tax | 253 | $17.24 |
| Jun 24, 2026 | Nassy Michael G.officer: Sr EVP, Chief Credit Officer | Tax | 656 | $17.24 |
| Jun 1, 2026 | Nassy Michael G.officer: Sr EVP, Chief Credit Officer | Tax | 175 | $15.78 |
| May 4, 2026 | Jackson Sharon L.officer: EVP, Chief Banking Officer | Sell | 1,500 | $15.64 |
| May 1, 2026 | FERRICK PATRICIA Adirector, officer: President | Tax | 714 | $15.66 |
| May 1, 2026 | FERRICK PATRICIA Adirector, officer: President | Option | 3,746 | $9.22 |
| Apr 27, 2026 | Gunn L. Burwelldirector | Tax | 12,627 | $15.68 |
| Apr 27, 2026 | Curry Briggs Alissaofficer: EVP, Chief Lending Officer | Tax | 557 | $15.68 |
| Apr 27, 2026 | Gunn L. Burwelldirector | Option | 21,483 | $9.22 |
| Apr 27, 2026 | Curry Briggs Alissaofficer: EVP, Chief Lending Officer | Option | 853 | $9.22 |
| Apr 24, 2026 | FERRICK PATRICIA Adirector, officer: President | Option | 3,150 | $9.22 |
| Apr 23, 2026 | Wills Phillip R. IIIdirector | Tax | 12,587 | $15.73 |
| Apr 23, 2026 | Curry Briggs Alissaofficer: EVP, Chief Lending Officer | Grant | 7,000 | — |
| Apr 23, 2026 | Testa Daniel M.director | Grant | 2,000 | — |
Source: FVCB SEC Form 4 filings, latest Jun 24, 2026. For informational purposes only — not investment advice.
See the full FVCB insider & 13F page →FVCBankcorp, Inc. company profile
Overview
FVCBankcorp, Inc. (NASDAQ:FVCB) is a regional bank holding company founded in 2007 and headquartered in Fairfax, Virginia. The company operates through its subsidiary FVCbank, which provides commercial and consumer banking services primarily in the greater Washington, D.C., and Baltimore metropolitan areas. Since going public in 2015, FVCBankcorp has established itself as a community-focused financial institution serving businesses, nonprofits, and individuals across Virginia, Maryland, and Washington, D.C., through a network of nine branch offices.
Business
FVCBankcorp operates in the regional banking industry, which involves accepting deposits from customers and lending those funds to borrowers while earning interest on the spread between what they pay depositors and what they charge borrowers. Regional banks like FVCbank typically focus on serving specific geographic markets with personalized service, competing against larger national banks and credit unions. The company's core banking services include deposit products such as checking and savings accounts, money market accounts, and certificates of deposit (CDs). These products allow customers to store their money safely while earning interest, with CDs offering higher rates in exchange for customers agreeing to leave their money untouched for specific time periods. On the lending side, FVCbank offers several loan categories: commercial real estate loans for businesses purchasing or refinancing properties, commercial construction loans for development projects, and general commercial loans for working capital, equipment purchases, and government contract financing. The bank also provides Small Business Administration (SBA) loans, which are partially guaranteed by the federal government, reducing the bank's risk. For individual customers, FVCbank offers home equity loans and consumer loans. Additional services include business and consumer credit cards, merchant payment processing services for businesses, business insurance products, and digital banking platforms including online banking, mobile banking, and remote deposit capture services that allow businesses to deposit checks electronically. The bank's target market consists of commercial businesses, nonprofit organizations, professional service firms, and their employees located primarily in the affluent Washington, D.C., and Baltimore metropolitan areas, regions known for stable government employment and strong economic fundamentals.
Revenue model
FVCBankcorp generates revenue primarily through net interest income - the difference between interest earned on loans and investments and interest paid on deposits and borrowings. This traditional banking model means the company profits from the spread between what it pays depositors (typically 1-3% annually) and what it charges borrowers (typically 4-8% depending on loan type and risk). The bank's customers are primarily businesses and individuals who need banking services. Commercial borrowers pay interest on loans for real estate, construction projects, and business operations, while depositors receive lower interest rates on their savings and checking accounts. The bank also earns non-interest income from fees charged for services like credit card processing, loan origination fees, account maintenance fees, and insurance product sales. Several factors influence FVCBankcorp's profitability margins. Interest rate environments significantly impact the bank's net interest margin - when the Federal Reserve raises rates, banks can typically charge more for loans while deposit rates may rise more slowly, expanding margins. Conversely, falling rates can compress margins. Credit quality affects profitability through loan loss provisions - economic downturns or poor underwriting can lead to defaults, requiring the bank to set aside money for potential losses. Competition from other banks, credit unions, and fintech companies can pressure both loan pricing and deposit rates. Regulatory compliance costs also impact margins, as banks must invest in systems and personnel to meet banking regulations. The bank's geographic concentration in the Washington, D.C., area provides stability due to government employment but also creates dependency on the region's economic health.
Competitive moat
FVCBankcorp's competitive moat is relatively narrow, typical of smaller regional banks. The company's primary advantages include local market knowledge and relationship-based banking in the Washington, D.C., and Baltimore metropolitan areas. This allows FVCbank to understand local business needs, provide personalized service, and build long-term customer relationships that larger national banks may struggle to replicate due to their scale and standardized processes. The bank's focus on government contractors and professional services in the D.C. area provides some specialization advantage, as these clients have unique financing needs that FVCbank understands well. Additionally, the bank's SBA lending expertise creates some differentiation in serving small businesses. However, the moat is not particularly strong. The banking industry faces intense competition from multiple directions: large national banks with greater resources and technology capabilities, credit unions offering lower rates due to their tax-exempt status, and emerging fintech companies providing digital-first banking solutions. Regulatory barriers to entry do provide some protection, as starting a new bank requires significant capital and regulatory approval, but this doesn't prevent existing competitors from entering FVCbank's markets. The bank's small size (approximately $2.2 billion in assets) limits its ability to invest in cutting-edge technology or offer the comprehensive services that larger institutions provide. Geographic concentration, while providing local expertise, also creates vulnerability to regional economic downturns. Overall, FVCBankcorp operates in a commoditized industry where sustainable competitive advantages are difficult to maintain, making it vulnerable to competitive pressures and economic cycles.
Risks & safety
FVCBankcorp presents a moderate margin of safety profile typical of well-capitalized regional banks, though with some concerning volatility in recent performance. • Solvency appears strong with total assets of $2.2 billion against total liabilities of $1.96 billion, providing a substantial equity cushion of approximately $235 million • Cash position is adequate with $91 million in cash and short-term investments as of Q4 2024, though this declined significantly from $177 million in Q3 2024 • Debt-to-equity ratio of 0.32 indicates conservative leverage, well within acceptable ranges for regional banks • Profitability has been volatile with net income swinging from -$5.5 million in Q3 2024 to $4.9 million in Q4 2024, indicating earnings instability • Valuation appears reasonable with P/E ratio of 11.7x and price-to-book ratio of 0.97x, suggesting the stock trades near book value • Return on equity of 2.1% is relatively low for a bank, indicating modest profitability relative to shareholder equity • Current ratio of 3.26x suggests good short-term liquidity management • Revenue has been inconsistent ranging from $13.4 million to $29.2 million across recent quarters, raising questions about business stability
Recent development
Based on the available financial data, FVCBankcorp has experienced significant operational volatility over the past year. The company's revenue has fluctuated dramatically between quarters, ranging from $13.4 million in Q1 2024 to $29.2 million in Q3 2024, before dropping to $15.4 million in Q4 2024. This volatility suggests the bank may be navigating challenging market conditions or undergoing operational changes. The most concerning development has been the inconsistent profitability, with the bank reporting a substantial loss of $5.5 million in Q3 2024 before returning to profitability with $4.9 million in net income in Q4 2024. This earnings volatility indicates potential challenges in credit quality, interest rate management, or operational efficiency. The bank's cash position has also shown significant movement, declining from over $177 million in Q3 2024 to approximately $91 million in Q4 2024, suggesting either strategic deployment of capital or liquidity management challenges. The company's balance sheet size has remained relatively stable around $2.2 billion in total assets, indicating the bank is not experiencing significant growth or contraction in its core business. Without access to management commentary from earnings calls, it's difficult to determine specific strategic initiatives, but the financial metrics suggest FVCBankcorp is working through a period of operational adjustment while maintaining its core regional banking focus in the Washington, D.C., and Baltimore markets.
FVCB company profile · for informational purposes only — not investment advice.
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