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. In the quarter to June 2026, revenue grew 9.18%, EPS grew 48.4%, free cash flow grew 172.3% and total debt rose 30.8%, each against the same quarter a year earlier. Revenue growth for ten consecutive years.

17.51 0.02 −0.11%
Market cap
$316.1M
P/E
12.2×
Fwd P/E
11.0×
Dividend yield
1.48%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a

Insider Decisions trades per month

Total sells 1.01
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell 1 — — 3 2 — 1 — — 2 — —
Insider Ownership 16.91%

Capital & Financial Ratios $m

Market Cap 316.13
Revenue 126.31
Net Income 25.83
Free Cash Flow 31.67
Net Debt (226.50)
Current Ratio 1.03
Debt/Equity 0.09
P/E ratio 12.16
Fwd P/E 11.00
P/S ratio 2.50
P/B ratio 1.18
Past 5Y EPS Growth 6.58%
This Y EPS Growth 31.67% (at or above 15%: strong)
Next Y EPS Growth 5.70%
Next Y revenue growth (37.75%) (below 0%: weak)
Next 5Y EPS Growth 15.27% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 26.94%
10-year low 10-year high
P/S against its own 10 years 35.53%
10-year low 10-year high
P/B against its own 10 years 45.34%
10-year low 10-year high

Dividends

Payout Ratio 0.18
Annual Dividend Rate 0.26
Annual Dividend Yield 1.48%
total individual payouts
2027 Powerpack
2026 0.27
0.06
0.07
0.07
2025 0.12
0.06
0.06
2022 Powerpack
2021 Powerpack
2020 Powerpack
2019 Powerpack
2017 Powerpack
predictions special payouts not included in total or ratios

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 2,052
ST’ Debt — — — —
Other — — — —
1,944 1,937 2,013 2,070

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%

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 — — —
’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 — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 0.35 0.45 — — —
’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 1.08
’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.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 5.72 7.08 12.42 12.74 7.42 10.92 14.40 8.30 9.78 9.49

Analyst estimates 2026–2028

Powerpack
High 8.43 15.76 16.96 15.71 14.11 17.19 17.52 15.62 14.68 14.35
People
People Employees — — 128 124 121 133 135 120 114 125
Revenue/emp, $m 0.00 0.00 0.42 0.56 0.58 0.55 0.62 0.78 1.02 0.98
Income, $m
Income, $m Revenue 28 43 54 69 70 73 84 93 116 122
Gross margin, % 0.00 81.06 77.40 73.05 79.31 85.59 81.51 44.00 50.17 55.24
EBT 11 15 13 20 20 28 31 4 22 28
EBT margin, % 36.96 33.59 24.46 28.89 28.08 38.79 37.11 4.54 19.25 23.15
Net income 7 8 11 16 16 22 25 4 15 22
Depreciation — 2 2 2 (1) (4) (1) 0 (1) 0
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
Earnings 0.63 0.61 0.74 0.92 0.91 1.29 1.14 0.22 0.83 1.22
Cash flow 0.92 0.80 0.91 1.12 0.88 1.14 1.28 0.92 1.01 1.32
Capex 0.00 (0.04) (0.05) (0.02) (0.02) (0.03) (0.01) (0.01) (0.01) 0.00
Free cash flow 0.92 0.77 0.86 1.11 0.86 1.11 1.28 0.91 1.00 1.31
Book value 7.87 7.53 10.81 10.37 11.19 12.30 11.61 12.25 13.03 13.99
Shares, m 10 13 15 17 17 17 17 18 18 18
Valuation, ×
Valuation, × P/E 13.21 23.62 18.54 15.06 12.89 12.22 11.02 62.04 14.96 11.50
P/S 2.69 4.22 4.29 3.49 2.84 3.69 3.16 2.71 1.96 2.07
P/B 1.25 1.86 1.53 1.35 1.05 1.28 1.31 1.16 0.96 0.99
EV/Sales 2.90 3.91 3.95 3.58 1.82 0.99 5.24 2.27 1.34 1.17
EV/FCF 6.96 7.03 17.66 12.96 8.76 3.80 19.67 13.20 8.55 6.01
Cash, $m
Cash, $m Operating cash flow 9 10 13 19 15 19 22 16 18 24
Capex 0 0 (1) 0 0 0 0 0 0 0
Free cash flow 9 10 13 19 15 19 22 16 18 24
Balance, $m
Balance, $m Working capital — (24) 6 4 51 (198) 38 (63) 17 47
Total debt 24 24 24 39 69 45 255 20 19 19
Net debt 24 2 (19) 6 (72) (196) 173 (41) (72) (109)
Shareholders’ equity 80 98 158 179 190 210 202 217 235 254
Returns, %
Returns, % ROA 0.84 0.78 0.90 1.10 0.92 1.09 1.10 0.17 0.69 0.98
ROIC 0.00 9.08 7.38 6.79 10.81 138.85 5.18 1.50 8.54 12.20
ROE 9.08 8.63 8.47 9.38 8.41 10.99 12.12 1.82 6.66 9.02
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
AVBH Avidbank Holdings Inc. $337.8M — (loss-making) 9.1× +15.59% (above 0%: growing) −6.49% (below 0%: shrinking) +148.71% (above 0%: growing) 69.18% 0.00% Compare
FDBC Fidelity D&D Bancorp Inc. $336.0M 11.0× 22.8× +5.91% (above 0%: growing) +11.67% (above 0%: growing) +157.33% (above 0%: growing) 70.54% 0.00% Compare
CFFI C&F Financial Corporation $334.0M 11.4× — +10.31% (above 0%: growing) +10.97% (above 0%: growing) +549.86% (above 0%: growing) 78.40% 0.00% Compare
CBNA Chain Bridge Bancorp, Inc. $324.9M 12.1× 7.7× +51.95% (above 0%: growing) +107.14% (above 0%: growing) +147.51% (above 0%: growing) 96.81% 0.00% Compare
JMSB John Marshall Bancorp, Inc. $321.6M 13.2× 11.7× +10.02% (above 0%: growing) +38.89% (above 0%: growing) −31.74% (below 0%: shrinking) 60.20% 0.00% Compare
COSO CoastalSouth Bancshares, Inc. $319.7M 11.5× 11.2× +6.47% (above 0%: growing) +5.17% (above 0%: growing) +158.51% (above 0%: growing) 63.95% 0.00% Compare
FVCB Fvcbankcorp, Inc. $316.1M 12.2× 11.0× +9.18% (above 0%: growing) +48.39% (above 0%: growing) +172.27% (above 0%: growing) 64.10% 0.00%
NEWT NewtekOne, Inc. $316.0M 4.9× 5.6× +14.68% (above 0%: growing) −9.43% (below 0%: shrinking) +18.31% (above 0%: growing) 100.00% 70.56% Compare
FCCO First Community Corporation $304.5M 12.0× 11.2× +22.67% (above 0%: growing) +19.12% (above 0%: growing) −1,807.94% (below 0%: shrinking) 72.21% 0.00% Compare
Median of peers $323.2M 11.5× 11.2× +12.50% +11.32% +148.11% 71.38% 0.00%

All 323 Banks Regional stocks →

Fvcbankcorp, Inc. (FVCB) key facts

  • Strength: Fvcbankcorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $122.0 million, up 5.34% from fiscal 2024.
  • Fvcbankcorp, Inc. (FVCB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, FVCB traded at $17.51, a market capitalization of $316.1 million.
  • Fvcbankcorp, Inc. pays an annual dividend of $0.26 per share, a yield of 1.48%, with a payout ratio of 18.3%.
  • Return on equity was 9.02% and debt-to-equity 0.09.
  • Its Piotroski F-score is 8 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Fvcbankcorp, Inc. (FVCB) Latest News

29 Aug

stockrow.com/FVCB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com