FVCBankcorp (FVCB) president exercises stock options and withholds shares for taxes

Rhea-AI Filing Summary

FVCBankcorp, Inc. president Patricia A. Ferrick reported a routine stock option exercise and related tax withholding in company shares. She exercised options to acquire 3,746 shares of common stock at $9.216 per share. To cover the associated tax liability, 714 shares were withheld by the issuer at a market price of $15.66 per share under Rule 16b-3. The filing reflects compensation-related equity activity rather than an open-market purchase or sale.

Insider Trade Summary

3,746 shares exercised/converted

Mixed 3 txns

Insider FERRICK PATRICIA A

Role President

Type	Security	Shares	Price	Value
Exercise	Stock Options	3,746	$9.216	$35K
Exercise	Common Stock	3,746	$9.216	$35K
Tax Withholding	Common Stock	714	$15.66	$11K

Holdings After Transaction: Stock Options — 0 shares (Direct, null); Common Stock — 237,782 shares (Direct, null)

Footnotes (1)

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Key Figures

Options exercised: 3,746 shares Exercise price: $9.216 per share Shares withheld for taxes: 714 shares +4 more

7 metrics

Options exercised 3,746 shares Common Stock acquired via stock option exercise

Exercise price $9.216 per share Exercise or conversion price for stock options

Shares withheld for taxes 714 shares Tax-withholding disposition of Common Stock

Market price for withholding $15.66 per share Price used to calculate tax-withholding shares

Net shares from exercise 3,032 shares 3,746 exercised minus 714 withheld for taxes

Derivative transactions 1 transaction Stock option exercise classified as derivative

Tax-withholding events 1 transaction Disposition coded F for tax liability payment

Key Terms

stock option award, tax liability, Rule 16b-3, derivative security, +1 more

5 terms

stock option award financial

"incident to the vesting of a security (i.e., stock option award) based on a market price"

tax liability financial

"elected to pay for a tax liability by withholding securities incident to the vesting"

Rule 16b-3 regulatory

"based on a market price of $15.66 and issued in accordance with Rule 16b-3"

Rule 16b-3 is a Securities and Exchange Commission regulation that exempts certain routine, pre-approved transactions by company insiders from automatic liability for short-term trading profits. It acts like a safe harbor: if an insider follows a formal plan or the board approves specific transactions in advance, profits from buying and selling company stock within six months are not automatically reclaimed. Investors care because the rule clarifies when insider trades are permissible and reduces uncertainty about potential clawbacks.

derivative security financial

"transaction_code_description": "Exercise or conversion of derivative security"

A derivative security is a financial contract whose value comes from the price or performance of something else, such as a stock, bond, commodity, or market index. For investors it acts like an insurance policy or a wager: it can be used to protect against losses, lock in prices, or amplify gains and losses, so it can change a portfolio’s risk and potential return without owning the underlying asset directly.

tax-withholding disposition financial

"transaction_action": "tax-withholding disposition"

A tax-withholding disposition is an event or transaction—such as selling or transferring securities, exercising options, or receiving compensation—that triggers a requirement to hold back part of the payment and remit it to tax authorities. It matters to investors because it reduces the cash they receive immediately and can change the timing and amount of taxable income, like a cashier taking a portion of your sale proceeds to pay taxes before you get the rest.

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

FERRICK PATRICIA A

(Last) (First) (Middle)

11325 RANDOM HILLS DRIVE #240

(Street)

FAIRFAX VIRGINIA 22030

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
FVCBankcorp, Inc. [ FVCB ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	President

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
04/30/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	04/30/2026		M		3,746	A	$9.216	237,782	D
Common Stock	04/30/2026		F(1)		714	D	$15.66	237,068	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Stock Options	$9.216	04/30/2026		M			3,746	05/19/2015	05/19/2026	Common Stock	3,746	$9.216	0	D

Explanation of Responses:

1. The Reporting Person elected to pay for a tax liability by withholding securities incident to the vesting of a security (i.e., stock option award) based on a market price of $15.66 and issued in accordance with Rule 16b-3

Remarks:

	/s/ Jennifer L. Deacon, Power of Attorney	05/01/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

FAQ

What did FVCBankcorp (FVCB) president Patricia Ferrick report in this Form 4?

Patricia Ferrick reported exercising stock options for 3,746 FVCBankcorp common shares and having 714 shares withheld to pay taxes. These are compensation-related equity transactions rather than open-market buying or selling of stock.

How many FVCBankcorp (FVCB) shares were acquired through option exercise?

The filing shows an exercise of stock options into 3,746 FVCBankcorp common shares at an exercise price of $9.216 per share. This converts a derivative award into actual shares as part of Ferrick’s equity compensation.

Why were 714 FVCBankcorp (FVCB) shares disposed of in this Form 4?

The 714 shares were withheld by the company to satisfy a tax liability arising from the vesting and exercise of a stock option award. This tax-withholding disposition is a standard, non-market mechanism and not an open-market sale.

What prices were used in Patricia Ferrick’s FVCBankcorp (FVCB) Form 4 transactions?

Ferrick’s options were exercised at an exercise price of $9.216 per share. For the tax-withholding disposition, the company used a market price of $15.66 per share to determine how many shares to withhold for the tax obligation.

Does this FVCBankcorp (FVCB) Form 4 indicate regular trading activity by the insider?

The transactions reflect stock option exercise and share withholding for taxes, not open-market trades. Codes M and F, along with the Rule 16b-3 reference, indicate routine compensation and tax handling rather than discretionary buying or selling.