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Freedom Financial Holdings Inc. reports developments for its role as the holding company for The Freedom Bank of Virginia, a community bank serving business, commercial, personal, and mortgage banking clients in Northern Virginia. Recurring company updates include quarterly earnings, net interest margin, cost of funds, credit provisions, loan and deposit activity, non-interest income, and regulatory capital ratios.
Company news also covers Freedom Bank branch activity, corporate office moves, leadership appointments, board additions, technology and client-service initiatives, and the bank's positioning across markets such as Fairfax County, Tysons, Chantilly, Manassas, Reston, and Vienna.
Freedom Financial Holdings (OTCQX: FDVA) announced that Freedom Bank of Virginia has received Preferred Lender (PLP) status for the SBA's 7(a) Working Capital Pilot (WCP) program. This designation allows the bank to offer monitored working capital lines of credit up to $5 million, structured as asset-based or transaction-based facilities, to support small business growth.
Freedom Financial Holdings (OTCQX: FDVA) reported Q1 2026 net income of $1,160,338 ($0.16 diluted), reversing a Q4 2025 net loss. Key metrics: net interest margin 2.73%, total assets $1.053B, gross loans +$8.39M, and tangible book value $12.08 per share. The quarter included a $6.2M charge-off recognized prior quarter and continued mortgage gain-on-sale strength.
Freedom Financial Holdings (OTCQX: FDVA) relocated its corporate offices and opened a new branch of The Freedom Bank of Virginia at 1750 Tysons Blvd., Suite 100, McLean, VA on April 20, 2026. The move marks the bank's 25th anniversary and expands its Fairfax County footprint near Tysons Galleria.
The company noted the location sits within five miles of over 12,000 businesses and over 250,000 residents, aiming to deliver local decision-making, business and consumer banking, mortgage solutions, and enhanced accessibility.
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.