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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
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.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| 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 |
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 |
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.
| 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 |
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