Fvcbankcorp Inc Financials
This page shows Fvcbankcorp Inc (FVCB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 9 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).
FVCBankcorp’s balance-sheet spread business is visible in a profit recovery achieved despite still-elevated funding costs.
After the trough year, net income recovered to$22.1M even though interest expense still hovered near$55M , so the earnings rebound was not simply a funding-cost reset. Because leverage also eased from 9.1x to 8.0x, the improvement looks more like better earning-asset yields and gradual capital rebuilding working together.
In the latest year, operating cash flow of
The balance sheet remains heavily liability-funded, but it is less stretched than before: liabilities were about 8.0x equity versus 10.6x three years earlier, while equity itself kept rebuilding. That matters because return on assets was still under
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Fvcbankcorp Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Fvcbankcorp Inc's revenue grew 13.9% year-over-year to $1.8M, a solid pace of expansion. This earns a growth score of 50/100.
Fvcbankcorp Inc has elevated debt relative to equity (D/E of 8.04), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Fvcbankcorp Inc converts 1337.0% of revenue into free cash flow ($23.8M). This strong cash generation earns a score of 100/100.
Fvcbankcorp Inc generates a 8.7% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 26/100. This is up from 6.4% the prior year.
Fvcbankcorp Inc passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Fvcbankcorp Inc generates $1.08 in operating cash flow ($23.9M OCF vs $22.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Fvcbankcorp Inc generated $1.8M in revenue in fiscal year 2025. This represents an increase of 13.9% from the prior year.
Fvcbankcorp Inc reported $22.1M in net income in fiscal year 2025. This represents an increase of 46.4% from the prior year.
Fvcbankcorp Inc earned $1.21 per diluted share (EPS) in fiscal year 2025. This represents an increase of 47.6% from the prior year.
Cash & Balance Sheet
Fvcbankcorp Inc generated $23.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 31.6% from the prior year.
Fvcbankcorp Inc held $5.7M in cash against $0 in long-term debt as of fiscal year 2025.
Fvcbankcorp Inc had 18M shares outstanding in fiscal year 2025. This represents a decrease of 1.6% from the prior year.
Margins & Returns
Fvcbankcorp Inc's net profit margin was 1238.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 275.3 percentage points from the prior year.
Fvcbankcorp Inc's ROE was 8.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.3 percentage points from the prior year.
Capital Allocation
Fvcbankcorp Inc spent $6.7M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
Fvcbankcorp Inc invested $47K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 66.7% from the prior year.
FVCB Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $458K | N/A | $416K-98.6% | $29.4M+7604.2% | $382K+1.1% | $378K-8.3% | $412K-0.7% | $415K |
| 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 | $5.4M | N/A | $5.1M+1.6% | $5.0M+5.3% | $4.8M+2.2% | $4.7M-3.6% | $4.9M+3.5% | $4.7M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $12.4M | N/A | $13.8M+0.9% | $13.7M+1.2% | $13.5M-6.0% | $14.4M-4.3% | $15.0M+5.0% | $14.3M |
| Income Tax | $1.9M | N/A | $1.6M+4.7% | $1.6M+27.9% | $1.2M-16.3% | $1.5M+7.3% | $1.4M+15.2% | $1.2M |
| Net Income | $6.4M | N/A | $5.6M-1.6% | $5.7M+9.7% | $5.2M+5.4% | $4.9M+4.9% | $4.7M+12.4% | $4.2M |
| EPS (Diluted) | $0.35 | N/A | $0.310.0% | $0.31+10.7% | $0.28 | N/A | $0.25+8.7% | $0.23 |
FVCB Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.3B+1.9% | $2.3B-1.2% | $2.3B+3.7% | $2.2B-0.2% | $2.2B+1.9% | $2.2B-4.1% | $2.3B-0.3% | $2.3B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $9.4M+66.0% | $5.7M-61.9% | $14.9M+2.0% | $14.6M+12.9% | $13.0M+58.8% | $8.2M-18.8% | $10.1M-1.3% | $10.2M |
| 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 | $7.2M | N/A | N/A | N/A | $7.2M | N/A | N/A |
| Total Liabilities | $2.1B+1.8% | $2.0B-1.5% | $2.1B+3.8% | $2.0B-0.2% | $2.0B+1.8% | $2.0B-4.8% | $2.1B-0.5% | $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 | $260.3M+2.7% | $253.6M+1.5% | $249.8M+2.7% | $243.2M+0.3% | $242.3M+3.0% | $235.4M+2.0% | $230.8M+1.9% | $226.5M |
| Retained Earnings | $156.2M+3.5% | $150.9M+3.1% | $146.3M+3.2% | $141.8M+4.2% | $136.1M+3.9% | $131.0M+3.9% | $126.1M+3.8% | $121.4M |
FVCB Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $7.6M+0.5% | $7.6M+0.4% | $7.6M+130.0% | $3.3M-39.3% | $5.4M+11.7% | $4.8M+3.6% | $4.7M+201.5% | $1.6M |
| Capital Expenditures | $12K-29.4% | $17K+1600.0% | $1K-92.3% | $13K-18.8% | $16K0.0% | $16K-72.4% | $58K+9.4% | $53K |
| Free Cash Flow | $7.6M+0.5% | $7.6M+0.1% | $7.6M+130.9% | $3.3M-39.4% | $5.4M+11.8% | $4.8M+4.5% | $4.6M+208.3% | $1.5M |
| Investing Cash Flow | -$39.2M-332.1% | $16.9M+120.9% | -$80.9M-1407.0% | $6.2M+116.8% | -$36.8M-140.3% | $91.4M+1965.1% | $4.4M+103.9% | -$112.2M |
| Financing Cash Flow | $35.4M+204.9% | -$33.7M-145.8% | $73.6M+1043.0% | -$7.8M-121.6% | $36.2M+136.9% | -$98.2M-962.1% | -$9.2M-108.1% | $113.9M |
| Dividends Paid | $1.1M-0.7% | $1.1M | N/A | N/A | $0 | $0 | N/A | N/A |
| Share Buybacks | N/A | $2.0M | $0 | N/A | N/A | $0 | $0 | $0 |
FVCB Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | 1394.3% | N/A | 1341.1%+1321.8pp | 19.3%-1332.8pp | 1352.1%+55.8pp | 1296.3%+163.0pp | 1133.3%+132.0pp | 1001.2% |
| Return on Equity | 2.5% | N/A | 2.2%-0.1pp | 2.3%+0.2pp | 2.1%+0.1pp | 2.1%+0.1pp | 2.0%+0.2pp | 1.8% |
| Return on Assets | 0.3% | N/A | 0.2%-0.0pp | 0.3%+0.0pp | 0.2%0.0pp | 0.2%+0.0pp | 0.2%+0.0pp | 0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 7.97-0.1 | 8.04-0.2 | 8.28+0.1 | 8.20-0.0 | 8.25-0.1 | 8.34-0.6 | 8.93-0.2 | 9.15 |
| FCF Margin | 1662.7% | N/A | 1818.0%+1806.9pp | 11.1%-1402.5pp | 1413.6%+135.3pp | 1278.3%+156.5pp | 1121.8%+760.6pp | 361.2% |
Similar Companies
Frequently Asked Questions
What is Fvcbankcorp Inc's annual revenue?
Fvcbankcorp Inc (FVCB) reported $1.8M in total revenue for fiscal year 2025. This represents a 13.9% 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 13.9% year-over-year, from $1.6M to $1.8M in fiscal year 2025.
Is Fvcbankcorp Inc profitable?
Yes, Fvcbankcorp Inc (FVCB) reported a net income of $22.1M in fiscal year 2025, with a net profit margin of 1238.5%.
What is Fvcbankcorp Inc's net profit margin?
Fvcbankcorp Inc (FVCB) had a net profit margin of 1238.5% in fiscal year 2025, 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 8.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Fvcbankcorp Inc's free cash flow?
Fvcbankcorp Inc (FVCB) generated $23.8M in free cash flow during fiscal year 2025. This represents a 31.6% 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 $23.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Fvcbankcorp Inc's total assets?
Fvcbankcorp Inc (FVCB) had $2.3B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Fvcbankcorp Inc's capital expenditures?
Fvcbankcorp Inc (FVCB) invested $47K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Fvcbankcorp Inc's debt-to-equity ratio?
Fvcbankcorp Inc (FVCB) had a debt-to-equity ratio of 8.04 as of fiscal year 2025, 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 1.0% for fiscal year 2025, 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 6 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 to 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 1.08x, 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 29 out of 100 on our Financial Profile, indicating weak 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.