Director at FVCBankcorp (NASDAQ: FVCB) exercises options, uses shares for taxes

Rhea-AI Filing Summary

FVCBankcorp, Inc. director Sidney G. Simmonds exercised stock options for 21,483 shares of common stock at $9.216 per share on April 17, 2026. To cover the exercise cost and related taxes, 12,732 shares were withheld at $15.55 per share. After these compensation-related transactions, Simmonds directly holds 103,933 common shares.

Insider Trade Summary

21,483 shares exercised/converted

Mixed 3 txns

Insider Simmonds Sidney G

Role null

Type	Security	Shares	Price	Value
Exercise	Stock Options	21,483	$9.216	$198K
Exercise	Common Stock	21,483	$9.216	$198K
Tax Withholding	Common Stock	12,732	$15.55	$198K

Holdings After Transaction: Stock Options — 0 shares (Direct, null); Common Stock — 103,933 shares (Direct, null)

Footnotes (1)

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Key Figures

Shares acquired via option exercise: 21,483 shares Option exercise price: $9.216 per share Shares withheld for taxes: 12,732 shares +2 more

5 metrics

Shares acquired via option exercise 21,483 shares Common stock acquired through stock option exercise on April 17, 2026

Option exercise price $9.216 per share Exercise price for stock options converted into common stock

Shares withheld for taxes 12,732 shares Tax-withholding disposition at $15.55 per share

Post-transaction holdings 103,933 shares Direct FVCBankcorp common stock owned after transactions

Tax-withholding reference price $15.55 per share Market price used for shares withheld incident to option exercise

Key Terms

stock option exercise, tax-withholding disposition, Rule 16b-3

3 terms

stock option exercise financial

"The Reporting Person elected to pay for the exercise cost by withholding securities incident to the vesting of a security (i.e., stock option exercise) based on a market price of $15.55"

A stock option exercise is the act of using a previously granted right to buy shares of a company's stock at a specific, predetermined price by paying that price and receiving the shares. It matters to investors because exercising changes who owns the shares (which can dilute existing ownership), can trigger taxable events and shift potential gains or losses, and affects voting power and the company’s outstanding share count—like turning a voucher into an actual product that becomes part of circulating supply.

tax-withholding disposition financial

"transaction_action: "tax-withholding disposition" and transaction_code_description: "Payment of exercise price or tax liability by delivering securities""

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.

Rule 16b-3 regulatory

"based on a market price of $15.55 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.

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^*

Simmonds Sidney G

(Last) (First) (Middle)

11325 RANDOM HILLS ROAD

SUITE 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
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
04/17/2026

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	04/17/2026		M		21,483	A	$9.216	103,933	D
Common Stock	04/17/2026		F(1)		12,732	D	$15.55	91,201	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	04/17/2026		M			21,483	05/19/2016	05/19/2026	Common Stock	21,483	$9.216	0	D

Explanation of Responses:

1. The Reporting Person elected to pay for the exercise cost by withholding securities incident to the vesting of a security (i.e., stock option exercise) based on a market price of $15.55 and issued in accordance with Rule 16b-3

Remarks:

	/s/ Jennifer L. Deacon, Power of Attorney	04/20/2026
	** 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 insider transaction did Sidney G. Simmonds report for FVCB?

Sidney G. Simmonds reported exercising stock options for 21,483 FVCBankcorp common shares. A portion of the resulting shares was withheld to cover the exercise cost and tax obligations, reflecting a compensation-related event rather than an open-market purchase or sale.

How many FVCBankcorp shares did Simmonds acquire and at what price?

Simmonds acquired 21,483 FVCBankcorp common shares by exercising stock options at $9.216 per share. This derivative exercise converted his stock options into common stock as part of his compensation package, according to the Form 4 transaction details provided.

Were any FVCBankcorp shares sold on the open market in this Form 4?

The Form 4 shows no open-market sales; instead, 12,732 shares were withheld for taxes. The filing classifies this as a tax-withholding disposition, meaning the shares covered exercise cost and tax liabilities rather than being sold to public market buyers.

How many FVCBankcorp shares does Simmonds own after these transactions?

After the reported option exercise and tax withholding, Simmonds directly owns 103,933 FVCBankcorp common shares. This post-transaction balance reflects his updated equity stake following the conversion of stock options into shares and the share withholding for tax obligations.

What tax-withholding activity is disclosed in Simmonds’s FVCB Form 4?

The Form 4 discloses a tax-withholding disposition of 12,732 FVCBankcorp shares at $15.55 per share. These shares were withheld incident to the option exercise to satisfy exercise costs and related tax liabilities, consistent with the description provided in the filing footnote.

Were Simmonds’s FVCBankcorp options fully exercised in this filing?

The filing reports a stock option exercise for 21,483 derivative shares, leaving zero derivative shares in that option award. This indicates that specific option grant, with a $9.216 exercise price, was fully exercised by the transaction date noted in the Form 4.