FVCBankcorp, Inc.
FVCB Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$17.03
KIRA · Stoqly’s AI analyst, in plain words
- FVCBankcorp, Inc. had $1.8M of revenue in fiscal 2025, up 13.9% on the year before. Over five years, revenue changed −49.7% a year on average.
- FVCBankcorp, Inc. made $22.1M of net profit in fiscal 2025. From fiscal 2017 to 2025, diluted EPS grew 7.7% a year.
- FVCBankcorp, Inc. returned $8.8M to shareholders in fiscal 2025, 37% of free cash flow. The diluted share count fell 0.7%.
- It earned 9.0% on shareholders’ money. Running costs took 2,109.5% of revenue (the efficiency ratio; lower is better).
Market cap
$309M
P/E
12.0x
Revenue
$1.8M
Net income
$22.1M
Return on equity
9.0%
Efficiency ratio
2,109.5%
FVCBankcorp, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+13.9%
Yes. Sales grew 13.9% last year.
Does it make a profit?
1,238.5%
Yes. It keeps 1,238.5% of every sale as profit.
How lean are its costs?
2,109.5%
Costly. Running costs take 2,109.5% of revenue.
How much does it earn on its capital?
9.0%
Fair. It earns 9.0% a year on shareholders’ money.
How is the share priced?
12.0x
One share costs 12.0 times its yearly profit per share.
What FVCBankcorp, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 16, 2026
- Legal name
- FVCBankcorp, Inc.
- CIK
- 0001675644
FVCBankcorp, Inc. · FVCB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $1.6M | $1.4M | $1.5M | $1.6M | $1.8M |
| Revenue growth | −97.1% | −9.8% | 2.9% | 6.1% | 13.9% |
| Net interest income | $57.9M | $65.2M | $54.4M | $55.6M | $63.8M |
| Net income | $21.9M | $25.0M | $3.8M | $15.1M | $22.1M |
| Net margin | 1,381.2% | 1,744.7% | 259.3% | 963.2% | 1,238.5% |
| Diluted EPS | $1.20 | $1.35 | $0.21 | $0.82 | $1.21 |
| Cash | |||||
| Cash from operations | $19.4M | $22.4M | $16.3M | $18.2M | $23.9M |
| Capital expenditure | $0.5M | $0.2M | $0.2M | $0.1M | $0.0M |
| Free cash flow | $19.0M | $22.2M | $16.1M | $18.1M | $23.8M |
| FCF margin | 1,194.0% | 1,552.1% | 1,089.3% | 1,156.7% | 1,337.0% |
| Dividends paid | — | — | — | $0.0M | $2.2M |
| Share buybacks | $0.0M | $0.7M | $1.5M | $0.0M | $6.7M |
| Share count change | 29.1% | 1.6% | 98,445.9% | 0.9% | −0.7% |
| Debt and strength | |||||
| Cash and short-term investments | $24.6M | $7.3M | $8.0M | $8.2M | $5.7M |
| Loans, net | $1.5B | $1.8B | $1.8B | $1.9B | $1.9B |
| Deposits | $1.9B | $1.8B | $1.8B | $1.9B | $2.0B |
| Shareholders' equity | $210M | $202M | $217M | $235M | $254M |
| Returns and quality | |||||
| Return on equity | 11.0% | 12.1% | 1.8% | 6.7% | 9.0% |
| Return on tangible equity | 10.8% | 12.8% | 1.8% | 6.6% | 9.0% |
| Efficiency ratio | 2,175.1% | 2,406.4% | 2,487.2% | 2,290.3% | 2,109.5% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$1.0M
5 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
FVCBankcorp, Inc. · FVCB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $17.03 a share, the company is worth $309M: 12.0 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001675644). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.