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

Fvcbankcorp Inc (FVCB) reported diluted earnings per share of $1.21 for fiscal year 2025. This represents a 47.6% 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.

Fvcbankcorp Inc Financials

FVCB

Trailing 12 months to June 30, 2026

Revenue $2.0M +28.8% YoY

Net Income $25.8M +26.6% YoY

EPS (Diluted) $1.42 +27.9% YoY

Free Cash Flow $31.7M +74.7% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Fvcbankcorp Inc (FVCB) reported $2.0M in revenue over the twelve months to Jun 30, 2026, up 28.8% from the prior twelve months. This page shows its 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).

Rhea AI FVCB FY2025 2026-05-07

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 $23.9M was very close to earnings of $22.1M, which suggests the reported profit was backed by cash rather than balance-sheet timing. With capital spending only $47K, free cash flow of $23.8M mostly reflects operating performance, showing this franchise is not physically capital-intensive.

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 1.0%, so even small changes in asset yield or funding spread can meaningfully change returns to shareholders.

Financial Health Signals

Financial Health Score 52/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. 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.

Earnings

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

6/6

Fvcbankcorp Inc passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.08x

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

Export CSV

Earnings & Revenue

Revenue

$1.8M

YoY+13.9%

5Y CAGR-51.6%

Fvcbankcorp Inc generated $1.8M in revenue in fiscal year 2025. This represents an increase of 13.9% from the prior year.

Net Income

$22.1M

YoY+46.4%

5Y CAGR+7.3%

Fvcbankcorp Inc reported $22.1M in net income in fiscal year 2025. This represents an increase of 46.4% from the prior year.

EPS (Diluted)

$1.21

YoY+47.6%

5Y CAGR+1.9%

Fvcbankcorp Inc earned $1.21 per diluted share (EPS) in fiscal year 2025. This represents an increase of 47.6% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$23.8M

YoY+31.6%

5Y CAGR+10.4%

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.

Cash & Debt

$5.7M

YoY-30.4%

5Y CAGR-22.9%

Fvcbankcorp Inc held $5.7M in cash as of fiscal year 2025; long-term debt is not reported for that period.

Shares Outstanding

18M

YoY-2.4%

5Y CAGR+5.6%

Fvcbankcorp Inc had 18M shares outstanding in fiscal year 2025. This represents a decrease of 2.4% from the prior year.

Dividends Per Share

Not reported for fiscal year 2025.

Margins & Returns

Return on Equity

8.7%

YoY+2.3pp

5Y CAGR+0.5pp

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.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Net Margin

Not shown for fiscal year 2025: the reported ratio is above 100.0% of revenue, so it does not read as a share of revenue.

Capital Allocation

Share Buybacks

$6.7M

5Y CAGR-1.7%

Fvcbankcorp Inc spent $6.7M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$47K

YoY-66.7%

5Y CAGR-33.2%

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.

R&D Spending

Not reported for fiscal year 2025.

FVCB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FVCB quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17
Revenue	$2.0M	$1.8M+13.9%	$1.6M+6.1%	$1.5M+2.9%	$1.4M-9.8%	$1.6M-97.6%	$67.1M+0.6%	$66.7M+28.5%	$51.9M+28.8%	$40.3M
SG&A Expenses	$21.7M	$20.1M+7.3%	$18.8M-9.2%	$20.6M+1.6%	$20.3M+7.0%	$19.0M+12.9%	$16.8M-1.4%	$17.0M+21.7%	$14.0M+20.1%	$11.7M
Interest Expense	$51.8M	$54.6M-5.4%	$57.7M+10.5%	$52.2M+238.2%	$15.4M+47.3%	$10.5M-27.6%	$14.5M-22.4%	$18.7M+54.2%	$12.1M+47.8%	$8.2M
Income Tax	$7.5M	$6.2M-14.4%	$7.2M+1664.1%	$410K-93.2%	$6.0M-4.3%	$6.3M+51.0%	$4.2M-0.7%	$4.2M+87.0%	$2.2M-67.3%	$6.8M
Net Income	$25.8M	$22.1M+46.4%	$15.1M+294.1%	$3.8M-84.7%	$25.0M+13.9%	$21.9M+41.5%	$15.5M-2.1%	$15.8M+45.6%	$10.9M+41.3%	$7.7M
EPS (Diluted)	$1.42	$1.21+47.6%	$0.82+290.5%	$0.21-84.4%	$1.35+12.5%	$1.20+9.1%	$1.10+2.8%	$1.07+25.9%	$0.85+26.9%	$0.67

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$549K+19.9%	$458K-22.5%	$591K+42.1%	$416K+6.1%	$392K+2.6%	$382K+1.1%	$378K-8.3%	$412K
SG&A Expenses	$5.9M+8.9%	$5.4M+4.8%	$5.2M+1.5%	$5.1M+1.6%	$5.0M+5.3%	$4.8M+2.2%	$4.7M-3.6%	$4.9M
Interest Expense	$11.9M-3.9%	$12.4M-9.1%	$13.7M-1.0%	$13.8M+0.9%	$13.7M+1.2%	$13.5M-6.0%	$14.4M-4.3%	$15.0M
Income Tax	$2.2M+20.8%	$1.9M+5.9%	$1.8M+7.2%	$1.6M+4.7%	$1.6M+27.9%	$1.2M-16.3%	$1.5M+7.3%	$1.4M
Net Income	$8.2M+28.8%	$6.4M+13.1%	$5.6M+1.2%	$5.6M-1.6%	$5.7M+9.7%	$5.2M+5.4%	$4.9M+4.9%	$4.7M
EPS (Diluted)	$0.45+28.6%	$0.35+12.9%	$0.310.0%	$0.310.0%	$0.31+10.7%	$0.28+3.7%	$0.27+8.0%	$0.25

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

FVCB Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FVCB quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17
Total Assets	$2.3B+4.2%	$2.2B+0.4%	$2.2B-6.6%	$2.3B+6.4%	$2.2B+20.9%	$1.8B+18.5%	$1.5B+13.7%	$1.4B+28.3%	$1.1B
Cash & Equivalents	$5.7M-30.4%	$8.2M+1.5%	$8.0M+10.9%	$7.3M-70.5%	$24.6M+18.1%	$20.8M+39.7%	$14.9M+58.1%	$9.4M+27.0%	$7.4M
Goodwill	$7.2M0.0%	$7.2M0.0%	$7.2M0.0%	$7.2M0.0%	$7.2M0.0%	$7.2M+0.2%	$7.1M+9.7%	$6.5M	N/A
Total Liabilities	$2.0B+3.8%	$2.0B-0.5%	$2.0B-7.9%	$2.1B+7.5%	$2.0B+22.1%	$1.6B+20.2%	$1.4B+13.8%	$1.2B+25.0%	$954.9M
Total Equity	$253.6M+7.8%	$235.4M+8.4%	$217.1M+7.3%	$202.4M-3.5%	$209.8M+10.7%	$189.5M+5.8%	$179.1M+13.1%	$158.3M+61.1%	$98.3M
Retained Earnings	$150.9M+15.2%	$131.0M+13.0%	$115.9M+0.9%	$114.9M+27.8%	$89.9M+32.3%	$68.0M+29.5%	$52.5M+42.9%	$36.7M+42.0%	$25.9M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$2.4B+1.4%	$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
Cash & Equivalents	$12.2M+29.7%	$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
Goodwill	N/A	N/A	$7.2M	N/A	N/A	N/A	$7.2M	N/A
Total Liabilities	$2.1B+1.2%	$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
Total Equity	$266.6M+2.4%	$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
Retained Earnings	$163.1M+4.5%	$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

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.

FVCB Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FVCB quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17
Operating Cash Flow	$31.7M	$23.9M+30.9%	$18.2M+12.1%	$16.3M-27.3%	$22.4M+15.2%	$19.4M+30.8%	$14.9M-23.5%	$19.4M+45.6%	$13.3M+27.1%	$10.5M
Capital Expenditures	$44K	$47K-66.7%	$141K-33.5%	$212K+27.7%	$166K-65.8%	$485K+37.4%	$353K+13.5%	$311K-58.1%	$743K+48.6%	$500K
Free Cash Flow	$31.7M	$23.8M+31.6%	$18.1M+12.7%	$16.1M-27.8%	$22.2M+17.2%	$19.0M+30.7%	$14.5M-24.1%	$19.1M+51.7%	$12.6M+26.1%	$10.0M
Investing Cash Flow	-$130.7M	-$94.7M-961.3%	-$8.9M-106.0%	$149.2M+166.1%	-$225.8M+34.4%	-$344.3M-28.3%	-$268.3M-64.0%	-$163.6M-43.2%	-$114.3M+20.5%	-$143.7M
Financing Cash Flow	$96.6M	$68.3M+843.1%	-$9.2M+94.4%	-$164.7M-188.5%	$186.1M-43.4%	$328.7M+26.7%	$259.4M+73.3%	$149.7M+45.4%	$102.9M-24.0%	$135.4M
Dividends Paid	$4.5M	$2.2M	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	$6.7M	$0-100.0%	$1.5M+100.0%	$730K	$0-100.0%	$7.3M	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$8.9M+17.1%	$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
Capital Expenditures	$14K+16.7%	$12K-29.4%	$17K+1600.0%	$1K-92.3%	$13K-18.8%	$16K0.0%	$16K-72.4%	$58K
Free Cash Flow	$8.9M+17.1%	$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
Investing Cash Flow	-$27.4M+30.1%	-$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
Financing Cash Flow	$21.3M-39.8%	$35.4M+204.9%	-$33.7M-145.8%	$73.6M+1042.9%	-$7.8M-121.6%	$36.2M+136.9%	-$98.2M-962.1%	-$9.2M
Dividends Paid	$1.3M+18.1%	$1.1M-0.7%	$1.1M-0.1%	$1.1M	$0	$0	$0	N/A
Share Buybacks	N/A	N/A	$2.0M	$0	N/A	N/A	$0	$0

FVCB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

FVCB quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17
Net Margin	1238.5%	963.2%	259.3%	1744.7%	1381.2%	23.1%-0.6pp	23.7%+2.8pp	20.9%+1.9pp	19.1%
Return on Equity	8.7%+2.3pp	6.4%+4.6pp	1.8%-10.6pp	12.3%+1.9pp	10.4%+2.3pp	8.2%-0.7pp	8.8%+2.0pp	6.9%-1.0pp	7.8%
Return on Assets	1.0%+0.3pp	0.7%+0.5pp	0.2%-0.9pp	1.1%+0.1pp	1.0%+0.1pp	0.9%-0.2pp	1.0%+0.2pp	0.8%+0.1pp	0.7%
Debt-to-Equity	8.04-0.3x	8.34-0.7x	9.09-1.5x	10.58+1.1x	9.50+0.9x	8.61+1.0x	7.580.0x	7.54-2.2x	9.72
FCF Margin	1337.0%	1156.7%	1089.3%	1552.1%	1194.0%	21.6%-7.0pp	28.6%+4.4pp	24.3%-0.5pp	24.8%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	1497.8%	1394.3%	955.3%	1341.1%	1445.7%	1352.1%	1296.3%	1133.3%
Return on Equity	3.1%+0.6pp	2.5%+0.2pp	2.2%0.0pp	2.2%-0.1pp	2.3%+0.2pp	2.1%+0.1pp	2.1%+0.1pp	2.0%
Return on Assets	0.4%+0.1pp	0.3%0.0pp	0.3%0.0pp	0.2%0.0pp	0.3%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%
Debt-to-Equity	7.88-0.1x	7.97-0.1x	8.04-0.2x	8.28+0.1x	8.200.0x	8.25-0.1x	8.34-0.6x	8.93
FCF Margin	1624.2%	1662.7%	1281.6%	1818.0%	835.5%	1413.6%	1278.3%	1121.8%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.

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Where Fvcbankcorp Inc Ranks

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.

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.

Does Fvcbankcorp Inc buy back shares?

Yes, Fvcbankcorp Inc (FVCB) spent $6.7M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Fvcbankcorp Inc have outstanding?

Fvcbankcorp Inc (FVCB) had 18M shares outstanding as of fiscal year 2025.

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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 52 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.