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Fvcbankcorp, Inc.

FVCB Financial Banks Regional

Fvcbankcorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $122.0 million, up 5.34% from fiscal 2024.

Revenue
+9.18%
EPS
+19.4%
Free cash flow
−23.6%
Total debt
+30.9%

Quarter to September 2026, against a year earlier

16.30 0.53 −3.15%
Market cap
$293.8M
P/E
10.9×
Fwd P/E
10.5×
Dividend yield
1.66%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 1.00
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — 3 2 — 1 — — 2 — — —
Insider Ownership 16.91%

Capital & Financial Ratios $m

Size
Market Cap 293.78
Revenue ttm 126.31
Net income ttm 26.90
Free cash flow ttm 29.89
Net debt Q 24.53
Valuation
P/E 10.87
Forward P/E 10.50
Price / sales 2.33
Forward P/S Powerpack
Price / FCF 9.83
Price / book 1.09
Financial health
Current ratio Q 1.03
Debt / equity Q 0.09
Interest coverage Q —
Growth
Revenue growth Q +9.18% (above 0%: growing)
Operating income growth Q +18.65% (above 0%: growing)
EPS, this year +26.67% (at or above 15%: strong)
EPS, next year A +5.26%
Revenue, next year A −37.75% (below 0%: weak)
EPS, past 5 yrs +6.58%
EPS, next 5 yrs A +12.53%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 15.47%
10-year low 10-year high
P/S against its own 10 years 30.29%
10-year low 10-year high
P/B against its own 10 years 38.94%
10-year low 10-year high

Dividends

Yield
1.66%
Annual rate
0.27
Payout ratio
18.2%
Growth, 2025–26
+125.0%/yr
  1. 0.12 ’25
  2. 0.27 ’26 +125
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 61 91 128 251
Receivables — — — —
Inventory — — — —
Other — — — —
1,881 1,953 2,060 2,141
2023 2024 2025 Q'26
Payables 1,845 1,871 1,997 1,997
ST’ Debt — — — —
Other — — — —
1,944 1,937 2,013 —

Compound Annual Growth %

10y 5y 3y
Sales 15.98% 11.76% 13.48%
Cash Flow 12.51% 9.93% 2.14%
Earnings 15.07% 7.31% (4.07%)
Book Value 13.30% 6.00% 7.81%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.39 Actual 0.37

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.31 0.31 Met by 0.00
Q1 FY26 0.33 0.35 Beat by 0.02
Q2 FY26 0.36 0.42 Beat by 0.06
Q3 FY26 0.39 0.37 Miss by 0.02
Q4 FY26 0.39 — Reports 19 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.35 0.45 0.37 — —
’25 0.28 0.31 0.31 0.31 1.21
’24 0.07 0.23 0.25 0.26 0.82
’23 0.03 0.23 0.22 (0.28) 0.21
’22 0.36 0.34 0.38 0.22 1.35
’21 0.30 0.29 0.26 0.35 1.20
’20 0.21 0.17 0.22 0.29 0.88
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 31 33 — — —
’25 29 30 31 32 122
’24 27 29 30 30 116
’23 21 28 28 17 93
’22 19 20 22 23 84
’21 18 17 18 19 73
’20 18 17 18 18 70
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 8 9 6 — —
’25 5 3 8 8 24
’24 7 2 5 5 18
’23 3 3 6 5 16
’22 4 3 7 8 22
’21 6 1 (16) 29 19
’20 7 2 4 2 15
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 8 9 6 — —
’25 5 3 8 8 24
’24 7 1 5 5 18
’23 2 3 6 4 16
’22 4 3 7 8 22
’21 6 1 (16) 28 19
’20 6 2 4 2 15
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 28 43 54 69 70 73 84 93 116 122 126 +17.6% 76 83 — (17.6%)
Gross margin, % 0.00 81.06 77.40 73.05 79.31 85.59 81.51 44.00 50.17 55.24 58.99 +55.2 pt
EBT 11 15 13 20 20 28 31 4 22 28 35 +11.6%
EBT margin, % 36.96 33.59 24.46 28.89 28.08 38.79 37.11 4.54 19.25 23.15 0.00 (13.8) pt
Net income 7 8 11 16 16 22 25 4 15 22 27 +13.7%
Per share, $
Per share, $ Revenue 2.79 3.32 3.66 4.01 4.13 4.26 4.79 5.26 6.42 6.73 7.01 +10.3%
Earnings 0.63 0.61 0.74 0.92 0.91 1.29 1.43 0.22 0.83 1.22 1.50 +7.6%
Cash flow 0.92 0.80 0.91 1.12 0.88 1.14 1.28 0.92 1.01 1.32 0.00 +4.0%
Capex 0.00 (0.04) (0.05) (0.02) (0.02) (0.03) (0.01) (0.01) (0.01) 0.00 0.00 n/m
Free cash flow 0.92 0.77 0.86 1.11 0.86 1.11 1.28 0.91 1.00 1.31 0.00 +4.0%
Book value 7.87 7.53 10.81 10.37 11.19 12.30 11.61 12.25 13.03 13.99 0.00 +6.6%
Shares, m 10 13 15 17 17 17 17 18 18 18 18 +6.6%
Valuation, ×
Valuation, × P/E 19.80 23.62 18.54 15.06 12.89 12.22 11.02 62.04 14.96 11.50 10.87 20.2
P/S 4.03 4.22 4.29 3.49 2.84 3.69 3.16 2.71 1.96 2.07 2.33 3.2
P/B 1.88 1.86 1.53 1.35 1.05 1.28 1.31 1.16 0.96 0.99 1.09 1.3
EV/Sales 2.90 3.91 3.95 3.58 1.82 0.99 5.24 2.27 1.34 1.17 — 2.7
EV/FCF 6.96 7.03 17.66 12.96 8.76 3.80 19.67 13.20 8.55 6.01 — 10.5
Cash, $m
Cash, $m Operating cash flow 9 10 13 19 15 19 22 16 18 24 30 +10.9%
Capex 0 0 (1) 0 0 0 0 0 0 0 0 (18.1%)
Free cash flow 9 10 13 19 15 19 22 16 18 24 30 +10.9%
Balance, $m
Balance, $m Working capital — (24) 6 4 51 (198) 38 (63) 17 47 72 n/m
Net debt 24 2 (19) 6 (72) (196) 173 (41) (72) (109) 25 n/m
Shareholders’ equity 80 98 158 179 190 210 202 217 235 254 269 +13.7%
Returns, %
Returns, % ROA 0.84 0.78 0.90 1.10 0.92 1.09 1.10 0.17 0.69 0.98 1.16 +0.1 pt
ROIC 0.00 9.08 7.38 6.79 10.81 138.85 5.18 1.50 8.54 12.20 7.40 +12.2 pt
ROE 9.08 8.63 8.47 9.38 8.41 10.99 12.12 1.82 6.66 9.02 10.38 (0.1) pt
People
People Employees — — 128 124 121 133 135 120 114 125 — (0.3%)
Revenue/emp, $m 0.00 0.00 0.42 0.56 0.58 0.55 0.62 0.78 1.02 0.98 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 5 Nov 2026

Fvcbankcorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
NEWT NewtekOne, Inc. $308.3M 4.8× 6.2× +14.68% (above 0%: growing) −9.43% (below 0%: shrinking) +18.31% (above 0%: growing) 100.00% 70.56% Compare
ATLO Ames National Corporation $301.5M 13.1× 11.8× +7.68% (above 0%: growing) +31.37% (above 0%: growing) −13.26% (below 0%: shrinking) 73.46% 0.00% Compare
MYFW First Western Financial, Inc. $300.4M 14.1× 12.9× +0.29% (above 0%: growing) +84.85% (above 0%: growing) −26.07% (below 0%: shrinking) 57.81% 0.00% Compare
BPRN Princeton Bancorp, Inc. $299.7M 11.6× 11.2× −2.61% (below 0%: shrinking) +940.00% (above 0%: growing) −38.15% (below 0%: shrinking) 65.93% 0.00% Compare
FUNC First United Corporation $295.0M 11.7× 10.8× +4.79% (above 0%: growing) +3.97% (above 0%: growing) +1,978.11% (above 0%: growing) 77.40% 0.00% Compare
FVCB Fvcbankcorp, Inc. $293.8M 10.9× 10.5× +9.18% (above 0%: growing) +19.35% (above 0%: growing) −23.59% (below 0%: shrinking) 64.10% 0.00%
FNRN First Northern Community Bancorp $291.4M 13.1× — +2.07% (above 0%: growing) −12.99% (below 0%: shrinking) +31.66% (above 0%: growing) 83.16% 0.00% Compare
QNBC QNB Corp. $291.4M — (loss-making) — (loss-making) −74.89% (below 0%: shrinking) n/m +282.00% (above 0%: growing) (90.91%) 0.00% Compare
OVLY Oak Valley Bancorp (CA) $288.3M 12.1× — +4.45% (above 0%: growing) −8.82% (below 0%: shrinking) −20.28% (below 0%: shrinking) 85.32% 0.00% Compare
Median of peers $297.4M 12.1× 11.2× +3.26% +3.97% +2.53% 75.43% 0.00%

All 327 Banks Regional stocks →

Fvcbankcorp, Inc. (FVCB) Latest News

22 Oct

Impact 3 · · Zacks
Impact 3 · · 24/7 Wall St.

21 Jul

Impact 4 ·

4 May

Impact 4 · · Business Wire

21 Apr

Impact 4 · · Zacks
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16 Apr

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19 Mar

Impact 3 · · Business Wire

13 Feb

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11 Feb

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28 Jan

Impact 3 · · Simply Wall St.

20 Jan

Impact 4 · · Associated Press Finance
Impact 4 · · Business WireMarketBeatMarketBeatMarketBeatGuruFocus.comMarketBeatZacksZacks

30 Dec

Impact 3 · · Business WireZacksMT NewswiresMotley FoolZacks

18 Dec

Impact 4 · · Simply Wall St.

3 Dec

Impact 3 · · Simply Wall St.

1 Dec

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23 Oct

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21 Oct

Impact 4 · · Business Wire
Impact 3 · · Zacks
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29 Aug

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15 Aug

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22 Jul

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17 Jul

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11 Jul

Impact 4 ·
stockrow.com/FVCB · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com