Welcome to our dedicated page for FREEDOM FINL HLDGS news (Ticker: FDVA), a resource for investors and traders seeking the latest updates and insights on FREEDOM FINL HLDGS stock.
Freedom Financial Holdings, Inc. (OTCQX: FDVA) is the holding company for The Freedom Bank of Virginia, a community bank headquartered in Fairfax, Virginia. News about FDVA often centers on the financial performance and strategic direction of the bank, which offers commercial banking, personal banking, and mortgage banking services with a focus on businesses, real estate owners, and professionals.
On this page, readers can follow FDVA news related to quarterly and annual earnings, trends in net interest margin, cost of funds, non-interest income, asset quality, and capital ratios. Company releases frequently discuss net income, tangible book value per share, efficiency ratio, and regulatory capital metrics, providing insight into how management is navigating interest rate changes, funding mix, and credit conditions.
Freedom Financial Holdings also issues news updates about corporate developments such as leadership appointments, including senior finance roles and market presidents, as well as branch relocations designed to enhance client accessibility. Announcements may highlight initiatives to reduce wholesale funding, adjust loan and deposit mixes, and manage problem loans, reflecting the company’s approach to balance sheet resilience.
In addition, FDVA news includes items on technology and product enhancements, such as the launch of digital invoicing and payment solutions for small business clients, and community-focused activities led by the Freedom Bank Foundation and the NOVA Freedom Fund. Investors and clients who want to monitor these earnings reports, strategic updates, and community initiatives can use this news feed as a centralized source of company-issued information.
Freedom Financial Holdings (OTCQX: FDVA) reported a Q4 2025 net loss of $3.57 million (‑$0.50 per diluted share) and full‑year net income of $374,197 ($0.05 per diluted share). The company recorded a $6.94 million provision for credit losses tied largely to a single syndicated loan and established a $5.925 million specific reserve. Key metrics: total assets ~$1.07B, deposits $914.3M, non‑accrual loans $26.77M (3.51% of loans), NIM 2.76% for 2025, tangible book value per share $12.08, and board‑authorized repurchase of 250,000 additional shares.
Freedom Bank (OTCQX: FDVA) appointed Joe Daniel as Senior Vice President and Director of Sales & Marketing, effective Jan 28, 2026. Daniel brings more than 20 years of sales, marketing, CRM and community banking experience and will lead client expansion, sales execution, digital engagement, and marketing strategy.
This role emphasizes aligning sales and marketing, using data analytics to scale client relationships and support Freedom Bank’s growth strategy.
Freedom Financial Holdings (OTCQX: FDVA) appointed Pierre A. Abushacra to the Board of Directors of Freedom Bank of Virginia, effective January 22, 2026. Abushacra is founder of Kapa Capital (commercial real estate) and co-founder of Firehook Bakery, and previously served on the board of Bay Bank. He is Chair of the Specialty Food Association, which represents over 4,000 food maker members. The company highlighted his operating experience, community engagement, and fit with its Northern Virginia growth strategy.
Freedom Financial Holdings (OTCQX: FDVA) reported Q3 2025 net income $1.123M or $0.16 diluted vs. $0.800M ($0.11) in Q2 2025 and $0.345M ($0.05) in Q3 2024. Nine‑month net income was $3.942M or $0.55 per diluted share.
Key drivers: net interest margin 2.66% (flat sequential, +34 bps YoY), net interest income $6.75M, non‑interest income +8.47% QoQ, and reduced wholesale deposits by $127.3M (36.5%) YTD. Loans held‑for‑investment were flat; the Bank added $31M of new commercial loans in Q3.
Asset quality weakened: non‑accrual loans 2.30% of loans and non‑performing assets 1.65% of assets; allowance for credit losses to loans was 0.96%. Tangible book value rose to $12.45. Capital ratios remain strong (Leverage 11.23%, CET1 14.64%, Total Capital 15.53%).
Freedom Financial Holdings (OTCQX: FDVA) reported Q2 2025 net income of $799,896 ($0.11 per diluted share), down from $2.02M in Q1 2025 and $2.04M in Q2 2024. Despite lower earnings, the company showed improvement in core profitability with pre-tax, pre-provision income of $1.84M, up 35.7% year-over-year.
Key metrics include: Net interest margin of 2.66% (up 25bps YoY), total assets of $1.07B (down 1.69% from December), and total deposits increased by $7.38M (0.81%) during Q2. The company maintained strong capital ratios with a Total Capital ratio of 15.20%. The efficiency ratio was 77.57%, and tangible book value per share increased to $12.01.
Management attributes lower earnings to increased loan loss provisions but highlights improvements in core profitability and reduced cost of funds by 42 basis points compared to 2024.
Freedom Financial Holdings (OTCQX: FDVA) reported strong Q1 2025 financial results, with net income reaching $2.02 million or $0.28 per diluted share, marking a 73.4% increase from Q1 2024. Key highlights include:
- Net interest margin improved to 3.03%, up 59 basis points from previous quarter
- Tangible book value per share increased to $11.87
- Total assets stood at $1.08 billion
- Non-accrual loans decreased by 22% to $10.7 million
- Non-interest deposits grew 26% annualized
The bank demonstrated improved credit quality with non-performing assets ratio at 1.01%. Cost of funds decreased to 3.23%, while maintaining strong capital ratios with a leverage ratio of 10.76%. The efficiency ratio improved to 69.22%, reflecting better operational performance.
Freedom Financial Holdings (FDVA) reported Q4 2024 net income of $1.16 million ($0.16 per diluted share), compared to $344,919 in Q3 2024 and a loss of $2.01 million in Q4 2023. Full-year 2024 net income reached $4.71 million ($0.64 per share), up 103.2% from 2023.
Key Q4 metrics include: net interest margin increased to 2.44%, non-interest income grew 10.14%, and total assets reached $1.09 billion. The efficiency ratio was 84.07%, while non-accrual loans represented 1.78% of loans held-for-investment. The bank maintains strong capital ratios with a Total Capital ratio of 14.35%.
Notable developments include a decrease in uninsured deposits to 21.55% of total deposits, increased available secured liquidity at 162.14% of uninsured deposits, and continuation of an open share buyback program with 213,000 shares remaining.
Freedom Financial Holdings (FDVA) reported Q3 2024 net income of $344,919 ($0.05 per diluted share), down from $2,044,233 ($0.28 per share) in Q2 2024 and $1,318,378 ($0.18 per share) in Q3 2023. The company faced increased costs including $337,000 in non-recurring expenses related to personnel, FDICIA consulting, software, and legal fees. Despite profitability challenges, tangible book value increased to $11.64 per share, up 10.63% annualized from December 2023. Total assets reached $1.10 billion, with deposits increasing by $8.41 million during the quarter. The net interest margin decreased to 2.32%, while the efficiency ratio rose to 88.13%.
Freedom Financial Holdings (OTCQX: FDVA) reported net income of $2,044,233 or $0.28 per diluted share for Q2 2024, a 75.6% increase from Q1 2024 and 15.5% ahead of Q2 2023. The strong earnings were partly due to a reserve release related to resolving the largest non-performing loan. Total assets reached $1.10 billion, up 1.05% from December 31, 2023. Loans held-for-investment increased by 1.97%, while total deposits decreased by 1.65%. The net interest margin decreased to 2.41%, down 13 basis points from Q1 2024. Non-interest income increased by 3.66% compared to Q1 2024, while non-interest expense decreased by 2.80%. The efficiency ratio was 81.72%. The company remains well-capitalized with strong capital ratios.
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