Fvcbankcorp Inc Financials

FVCB

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows Fvcbankcorp Inc (FVCB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 8 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 43/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Fvcbankcorp Inc's revenue grew 6.1% year-over-year to $1.6M, a solid pace of expansion. This earns a growth score of 46/100.

Leverage

Fvcbankcorp Inc has elevated debt relative to equity (D/E of 8.34), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Fvcbankcorp Inc converts 1156.7% of revenue into free cash flow ($18.1M). This strong cash generation earns a score of 100/100.

Returns

Fvcbankcorp Inc generates a 6.4% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 26/100. This is up from 1.8% the prior year.

Piotroski F-Score Neutral

5/9

Fvcbankcorp Inc passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.21x

For every $1 of reported earnings, Fvcbankcorp Inc generates $1.21 in operating cash flow ($18.2M OCF vs $15.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Revenue

$1.6M

YoY+6.1%

5Y CAGR-52.8%

Fvcbankcorp Inc generated $1.6M in revenue in fiscal year 2024. This represents an increase of 6.1% from the prior year.

EBITDA

N/A

Free Cash Flow

$18.1M

YoY+12.7%

5Y CAGR-1.1%

Fvcbankcorp Inc generated $18.1M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 12.7% from the prior year.

Net Income

$15.1M

YoY+294.1%

5Y CAGR-1.0%

Fvcbankcorp Inc reported $15.1M in net income in fiscal year 2024. This represents an increase of 294.1% from the prior year.

EPS (Diluted)

$0.82

YoY+290.5%

5Y CAGR-5.2%

Fvcbankcorp Inc earned $0.82 per diluted share (EPS) in fiscal year 2024. This represents an increase of 290.5% from the prior year.

Cash & Debt

$8.2M

YoY+1.5%

5Y CAGR-11.4%

Fvcbankcorp Inc held $8.2M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

N/A

Shares Outstanding

18M

YoY+2.2%

5Y CAGR+5.5%

Fvcbankcorp Inc had 18M shares outstanding in fiscal year 2024. This represents an increase of 2.2% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

963.2%

YoY+703.9pp

5Y CAGR+939.5pp

Fvcbankcorp Inc's net profit margin was 963.2% in fiscal year 2024, showing the share of revenue converted to profit. This is up 703.9 percentage points from the prior year.

Return on Equity

6.4%

YoY+4.6pp

5Y CAGR-2.4pp

Fvcbankcorp Inc's ROE was 6.4% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 4.6 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

YoY-100.0%

Fvcbankcorp Inc spent $0 on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 100.0% from the prior year.

Capital Expenditures

$141K

YoY-33.5%

5Y CAGR-14.6%

Fvcbankcorp Inc invested $141K in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 33.5% from the prior year.

FVCB Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$1.6M+6.1%	$1.5M+2.9%	$1.4M-9.8%	$1.6M-97.6%	$67.1M+0.6%	$66.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$57.7M+10.5%	$52.2M+238.2%	$15.4M+47.3%	$10.5M-27.6%	$14.5M-22.4%	$18.7M
Income Tax	$7.2M+1664.1%	$410K-93.2%	$6.0M-4.3%	$6.3M+51.0%	$4.2M-0.7%	$4.2M
Net Income	$15.1M+294.1%	$3.8M-84.7%	$25.0M+13.9%	$21.9M+41.5%	$15.5M-2.1%	$15.8M
EPS (Diluted)	$0.82+290.5%	$0.21-84.4%	$1.35+12.5%	$1.20+9.1%	$1.10+2.8%	$1.07

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$416K-98.6%	$29.4M+7604.2%	$382K+1.1%	$378K-8.9%	$415K+15.6%	$359K-6.5%	$384K-2.8%	$395K
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$13.8M+0.9%	$13.7M+1.2%	$13.5M-6.0%	$14.4M+0.5%	$14.3M+1.9%	$14.0M+0.3%	$14.0M-0.7%	$14.1M
Income Tax	$1.6M+4.7%	$1.6M+27.9%	$1.2M-16.3%	$1.5M+23.6%	$1.2M-63.3%	$3.2M+685.9%	$410K-65.9%	$1.2M
Net Income	$5.6M-1.6%	$5.7M+9.7%	$5.2M+5.4%	$4.9M+17.9%	$4.2M+210.1%	$1.3M+126.4%	-$5.1M-225.6%	$4.0M
EPS (Diluted)	$0.310.0%	$0.31+10.7%	$0.28+3.7%	$0.27+17.4%	$0.23+228.6%	$0.07+125.9%	$-0.27-222.7%	$0.22

FVCB Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$2.2B+0.4%	$2.2B-6.6%	$2.3B+6.4%	$2.2B+20.9%	$1.8B+18.5%	$1.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$8.2M+1.5%	$8.0M+10.9%	$7.3M-70.5%	$24.6M+18.1%	$20.8M+39.7%	$14.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$7.2M0.0%	$7.2M0.0%	$7.2M0.0%	$7.2M0.0%	$7.2M+0.2%	$7.1M
Total Liabilities	$2.0B-0.5%	$2.0B-7.9%	$2.1B+7.5%	$2.0B+22.1%	$1.6B+20.2%	$1.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$235.4M+8.4%	$217.1M+7.3%	$202.4M-3.5%	$209.8M+10.7%	$189.5M+5.8%	$179.1M
Retained Earnings	$131.0M+13.0%	$115.9M+0.9%	$114.9M+27.8%	$89.9M+32.3%	$68.0M+29.5%	$52.5M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$2.3B+3.7%	$2.2B-0.2%	$2.2B+1.9%	$2.2B-4.4%	$2.3B+5.3%	$2.2B-0.4%	$2.2B-5.0%	$2.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$14.9M+2.0%	$14.6M+12.9%	$13.0M+58.8%	$8.2M-19.9%	$10.2M+46.9%	$6.9M-13.8%	$8.0M+6.4%	$7.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	$7.2M	N/A	N/A	$7.2M	N/A
Total Liabilities	$2.1B+3.8%	$2.0B-0.2%	$2.0B+1.8%	$2.0B-5.3%	$2.1B+5.6%	$2.0B-0.6%	$2.0B-5.8%	$2.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$249.8M+2.7%	$243.2M+0.3%	$242.3M+3.0%	$235.4M+3.9%	$226.5M+2.6%	$220.7M+1.6%	$217.1M+2.8%	$211.2M
Retained Earnings	$146.3M+3.2%	$141.8M+4.2%	$136.1M+3.9%	$131.0M+7.9%	$121.4M+3.5%	$117.2M+1.2%	$115.9M-4.2%	$121.0M

FVCB Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$18.2M+12.1%	$16.3M-27.3%	$22.4M+15.2%	$19.4M+30.8%	$14.9M-23.5%	$19.4M
Capital Expenditures	$141K-33.5%	$212K+27.7%	$166K-65.8%	$485K+37.4%	$353K+13.5%	$311K
Free Cash Flow	$18.1M+12.7%	$16.1M-27.8%	$22.2M+17.2%	$19.0M+30.7%	$14.5M-24.1%	$19.1M
Investing Cash Flow	-$8.9M-106.0%	$149.2M+166.1%	-$225.8M+34.4%	-$344.3M-28.3%	-$268.3M-64.0%	-$163.6M
Financing Cash Flow	-$9.2M+94.4%	-$164.7M-188.5%	$186.1M-43.4%	$328.7M+26.7%	$259.4M+73.3%	$149.7M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$0-100.0%	$1.5M+100.0%	$730K	$0-100.0%	$7.3M	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$7.6M+130.0%	$3.3M-39.3%	$5.4M+11.7%	$4.8M+212.4%	$1.6M-78.3%	$7.2M+57.9%	$4.5M-27.6%	$6.3M
Capital Expenditures	$1K-92.3%	$13K-18.8%	$16K0.0%	$16K-69.8%	$53K+278.6%	$14K-82.3%	$79K+83.7%	$43K
Free Cash Flow	$7.6M+130.9%	$3.3M-39.4%	$5.4M+11.8%	$4.8M+222.3%	$1.5M-79.0%	$7.1M+60.4%	$4.5M-28.3%	$6.2M
Investing Cash Flow	-$80.9M-1407.0%	$6.2M+116.8%	-$36.8M-140.3%	$91.4M+181.5%	-$112.2M-1616.1%	$7.4M-93.4%	$111.6M+217.7%	$35.1M
Financing Cash Flow	$73.6M+1043.0%	-$7.8M-121.6%	$36.2M+136.9%	-$98.2M-186.2%	$113.9M+827.3%	-$15.7M+86.5%	-$115.7M-174.7%	-$42.1M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$0	N/A	N/A	$0	$0	$0-100.0%	$12K	$0

FVCB Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	963.2%+703.9pp	259.3%-1485.4pp	1744.7%+363.5pp	1381.2%+1358.1pp	23.1%-0.6pp	23.7%
Return on Equity	6.4%+4.6pp	1.8%-10.6pp	12.3%+1.9pp	10.4%+2.3pp	8.2%-0.7pp	8.8%
Return on Assets	0.7%+0.5pp	0.2%-0.9pp	1.1%+0.1pp	1.0%+0.1pp	0.9%-0.2pp	1.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.34-0.7	9.09-1.5	10.58+1.1	9.50+0.9	8.61+1.0	7.58
FCF Margin	1156.7%+67.4pp	1089.3%-462.7pp	1552.1%+358.1pp	1194.0%+1172.3pp	21.6%-7.0pp	28.6%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	1341.1%+1321.8pp	19.3%-1332.8pp	1352.1%+55.8pp	1296.3%+295.1pp	1001.2%+627.9pp	373.3%+1693.8pp	-1320.6%-2343.1pp	1022.5%
Return on Equity	2.2%-0.1pp	2.3%+0.2pp	2.1%+0.1pp	2.1%+0.2pp	1.8%+1.2pp	0.6%	N/A	1.9%
Return on Assets	0.2%-0.0pp	0.3%+0.0pp	0.2%0.0pp	0.2%+0.0pp	0.2%+0.1pp	0.1%+0.3pp	-0.2%-0.4pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.28+0.1	8.20-0.0	8.25-0.1	8.34-0.8	9.15+0.3	8.89-0.2	9.09-0.8	9.91
FCF Margin	1818.0%+1806.9pp	11.1%-1402.5pp	1413.6%+135.3pp	1278.3%+917.1pp	361.2%-1627.1pp	1988.3%+829.4pp	1158.8%-413.0pp	1571.9%

Similar Companies

Norwood Finl NWFL

$298.1M

First Utd Corp FUNC

$244.9M

First Natl Corp FXNC

$253.3M

Chemung Financia CHMG

$284.9M

Middlefield Banc Corp MBCN

$283.4M

Frequently Asked Questions

What is Fvcbankcorp Inc's annual revenue?

Fvcbankcorp Inc (FVCB) reported $1.6M in total revenue for fiscal year 2024. This represents a 6.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Fvcbankcorp Inc's revenue growing?

Fvcbankcorp Inc (FVCB) revenue grew by 6.1% year-over-year, from $1.5M to $1.6M in fiscal year 2024.

Is Fvcbankcorp Inc profitable?

Yes, Fvcbankcorp Inc (FVCB) reported a net income of $15.1M in fiscal year 2024, with a net profit margin of 963.2%.

What is Fvcbankcorp Inc's earnings per share (EPS)?

Fvcbankcorp Inc (FVCB) reported diluted earnings per share of $0.82 for fiscal year 2024. This represents a 290.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Fvcbankcorp Inc's net profit margin?

Fvcbankcorp Inc (FVCB) had a net profit margin of 963.2% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

What is Fvcbankcorp Inc's return on equity (ROE)?

Fvcbankcorp Inc (FVCB) has a return on equity of 6.4% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Fvcbankcorp Inc's free cash flow?

Fvcbankcorp Inc (FVCB) generated $18.1M in free cash flow during fiscal year 2024. This represents a 12.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Fvcbankcorp Inc's operating cash flow?

Fvcbankcorp Inc (FVCB) generated $18.2M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Fvcbankcorp Inc's total assets?

Fvcbankcorp Inc (FVCB) had $2.2B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Fvcbankcorp Inc's capital expenditures?

Fvcbankcorp Inc (FVCB) invested $141K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

How many shares does Fvcbankcorp Inc have outstanding?

Fvcbankcorp Inc (FVCB) had 18M shares outstanding as of fiscal year 2024.

What is Fvcbankcorp Inc's debt-to-equity ratio?

Fvcbankcorp Inc (FVCB) had a debt-to-equity ratio of 8.34 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Fvcbankcorp Inc's return on assets (ROA)?

Fvcbankcorp Inc (FVCB) had a return on assets of 0.7% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Fvcbankcorp Inc's Piotroski F-Score?

Fvcbankcorp Inc (FVCB) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Fvcbankcorp Inc's earnings high quality?

Fvcbankcorp Inc (FVCB) has an earnings quality ratio of 1.21x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Fvcbankcorp Inc?

Fvcbankcorp Inc (FVCB) scores 43 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.