FVCBankcorp, Inc. logo

FVCBankcorp, Inc.

FVCB

NASDAQFinancial ServicesBanks - Regional

Previous close

$18.58

+$0.05 · +0.27%

Aug 21, 4:00 PM ET

Pre-market

$18.65

+$0.07 · +0.38%

Aug 24, 4:14 AM ET

FVCB company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

76

Undervalued

Momentum

52

Neutral

Sentiment

67

Bullish

Risk resilience

80

Low Risk

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Company profile

Company website

FVCBankcorp, Inc. serves as the holding company for FVCbank, delivering a comprehensive suite of banking products and services throughout Virginia. Its deposit options include both interest and noninterest-bearing transaction accounts, checking and savings accounts, money market accounts, and certificates of deposit. The institution provides various loan products, such as commercial real estate and construction financing. It offers commercial loans designed for diverse business needs, including working capital, equipment purchases, lines of credit, and government contract financing. Additional loan offerings extend to Small Business Administration (SBA) loans, asset-based lending, accounts receivable financing, home equity loans, and consumer loans. Complementing these, it issues business and consumer credit cards, offers merchant services, and provides business insurance. Digital services like online banking, remote deposit, and mobile banking are also available. The company primarily caters to the financial requirements of commercial businesses, nonprofit organizations, professional service entities, and their respective owners and employees throughout the greater Washington, D.C., and Baltimore metropolitan areas. A network of nine additional branch offices supports its operations, located in Arlington, Manassas, Reston (Fairfax County), and Springfield (Fairfax County) in Virginia; Montgomery County and Baltimore in Maryland; and Washington, D.C. FVCBankcorp, Inc. was established in 2007 and maintains its headquarters in Fairfax, Virginia.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
David W. Pijor
Listed since
May 6, 2015
Employees
135

Market position

Day range

Current $18.58

52-week range

Current $18.58

Open
$18.46
Previous close
$18.53
Volume
129.66K
0.73× average
Average volume
178.38K
Average daily volume
Market cap
334.38M USD
Beta
0.32
Market reference 1
50-day average
$17.8668
+3.99% above average
200-day average
$15.4915
+19.94% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
149.67M USD
EV / EBITDA
5.24×
Earnings yield
8.75%
Free cash flow yield
9.45%

Profitability & efficiency

Return on equity
8.70%
Return on assets
0.96%
Return on invested capital
7.53%

Financial health

Current ratio
0.07×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends94%61%29%-4%Gross margin, FY2021: 86.04%Gross margin, FY2022: 78.38%Gross margin, FY2023: 43.01%Gross margin, FY2024: 48.26%Gross margin, FY2025: 53.93%Operating margin, FY2021: 39.45%Operating margin, FY2022: 37.09%Operating margin, FY2023: 4.61%Operating margin, FY2024: 19.98%Operating margin, FY2025: 23.15%Net margin, FY2021: 30.67%Net margin, FY2022: 29.90%Net margin, FY2023: 4.16%Net margin, FY2024: 13.50%Net margin, FY2025: 18.07%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 86.04%. Gross margin FY2022 78.38%. Gross margin FY2023 43.01%. Gross margin FY2024 48.26%. Gross margin FY2025 53.93%. Operating margin FY2021 39.45%. Operating margin FY2022 37.09%. Operating margin FY2023 4.61%. Operating margin FY2024 19.98%. Operating margin FY2025 23.15%. Net margin FY2021 30.67%. Net margin FY2022 29.90%. Net margin FY2023 4.16%. Net margin FY2024 13.50%. Net margin FY2025 18.07%.

Income trends

Revenue

122.03M USD+9.37%

Operating income

28.25M USD+26.69%

Net income

22.06M USD+46.42%
Income trends across reported periods133.86M USD86.57M USD39.29M USD−8M USDRevenue, FY2021: 71.5M USDRevenue, FY2022: 83.55M USDRevenue, FY2023: 91.86M USDRevenue, FY2024: 111.58M USDRevenue, FY2025: 122.03M USDOperating income, FY2021: 28.21M USDOperating income, FY2022: 30.99M USDOperating income, FY2023: 4.23M USDOperating income, FY2024: 22.3M USDOperating income, FY2025: 28.25M USDNet income, FY2021: 21.93M USDNet income, FY2022: 24.98M USDNet income, FY2023: 3.82M USDNet income, FY2024: 15.06M USDNet income, FY2025: 22.06M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 71.5M USD. Revenue FY2022 83.55M USD. Revenue FY2023 91.86M USD. Revenue FY2024 111.58M USD. Revenue FY2025 122.03M USD. Operating income FY2021 28.21M USD. Operating income FY2022 30.99M USD. Operating income FY2023 4.23M USD. Operating income FY2024 22.3M USD. Operating income FY2025 28.25M USD. Net income FY2021 21.93M USD. Net income FY2022 24.98M USD. Net income FY2023 3.82M USD. Net income FY2024 15.06M USD. Net income FY2025 22.06M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue122.03M USD111.58M USD91.86M USD83.55M USD71.5M USD
Cost of goods sold56.22M USD57.73M USD52.35M USD18.07M USD9.98M USD
Gross profit65.82M USD53.85M USD39.51M USD65.48M USD61.52M USD
Selling, general, and administrative22.23M USD21.68M USD23.46M USD22.54M USD21.03M USD
Operating expenses37.57M USD31.56M USD35.28M USD34.49M USD33.31M USD
Interest income118.4M USD112.7M USD105.97M USD80.27M USD68.1M USD
Interest expense54.63M USD57.72M USD52.22M USD15.44M USD10.48M USD
Depreciation and amortization337K USD445K USD595K USD686K USD860K USD
Operating income28.25M USD22.3M USD4.23M USD30.99M USD28.21M USD
Net income22.06M USD15.06M USD3.82M USD24.98M USD21.93M USD

Company facts updated Aug 24, 2026.

Earnings

Latest fiscal-year EPS
1.21
FY2025 · +47.56% year over year
Latest fiscal-year revenue
122.03M USD
FY2025 · +9.37% year over year

Annual EPS trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual EPS trend1.461.010.550.1FY21FY22FY23FY24FY25

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual revenue trend127.09M106.87M86.66M66.45MFY21FY22FY23FY24FY25

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

3 ratings

Limited analyst sample: 3 ratings. Interpret the distribution with caution.

Strong buy00%
Buy267%
Hold133%
Sell00%
Strong sell00%

FVCB peers

ETFs holding FVCB

Funds reporting this stock among their holdings, ordered by reported position size.

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