FVCBankcorp, Inc. serves as the holding company for FVCbank, delivering a comprehensive suite of banking products and services throughout Virginia. Its deposit ...
FVCBankcorp, Inc. (NASDAQ: FVCB) is a bank holding company headquartered in Fairfax, Virginia, operating through its wholly-owned subsidiary, FVCbank. Established in 2007 and commencing operations in November of that year, the company has grown into a community banking institution with over $2 billion in assets, serving the financial needs of ...FVCBankcorp, Inc. (NASDAQ: FVCB) is a bank holding company headquartered in Fairfax, Virginia, operating through its wholly-owned subsidiary, FVCbank. Established in 2007 and commencing operations in November of that year, the company has grown into a community banking institution with over $2 billion in assets, serving the financial needs of commercial businesses, nonprofit organizations, professional service entities, and their owners and employees across the greater Washington, D.C., and Baltimore metropolitan areas. The company went public in 2015 and is listed on the NASDAQ Capital Market.\n\nFVCbank offers a comprehensive suite of banking products and services. On the deposit side, it provides interest and noninterest-bearing transaction accounts, checking and savings accounts, money market accounts, and certificates of deposit. Its lending portfolio is diversified, including commercial real estate and construction financing, commercial loans for working capital, equipment purchases, lines of credit, and government contract financing. It also extends Small Business Administration (SBA) loans, asset-based lending, accounts receivable financing, home equity loans, and consumer loans. Additionally, the bank issues business and consumer credit cards, offers merchant services, and provides business insurance. Digital banking capabilities include online banking, remote deposit, and mobile banking, with a recent innovation being 'Lightning Lending,' a digital lending platform aimed at simplifying business lending.\n\nWith a network of nine branch offices located in Arlington, Manassas, Reston, and Springfield in Virginia; Montgomery County and Baltimore in Maryland; and Washington, D.C., FVCbank maintains a community-focused approach. The company employs 119 full-time staff, and its leadership is headed by Chairman and CEO David W. Pijor, Esq., who has been with the bank since its inception, initially as Chief Financial Officer and later as CEO. President Patricia Ferrick brings over 25 years of banking experience in the DC metro area.\n\nFinancially, FVCBankcorp has demonstrated solid performance. As of the latest data, the company has a market capitalization of approximately $333 million, with a price-to-earnings ratio of 12.86 and a dividend yield of 1.4%. It maintains a return on equity of 12.5% and a return on assets of 1.4%. The company's net profit margin stands at 33.7%, reflecting efficient operations. Its balance sheet shows a debt-to-equity ratio of 9.2%, indicating a conservative capital structure. The bank generates strong cash flow, with operating cash flow per share of $2.18 and free cash flow per share of $2.18.\n\nFVCbank's mission emphasizes exceptional service, strong relationships, and innovative financial solutions. It positions itself as a community partner, supporting local businesses and organizations. The company continues to grow, with assets exceeding $2 billion, and remains committed to its customers and shareholders.
YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.
QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).
$122.0M
+9.4%
-90.1%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.
$22.1M
+46.4%
+128.8%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.
+53.9%
+11.7%
+46.6%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).
+23.1%
+15.8%
-2287.8%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.
+18.1%
+33.9%
+2214.2%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.
$23.8M
+31.6%
+17.1%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.
+19.5%
+20.3%
+1084.6%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.
10.0%
-69.3%
-3.1%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.
0.07x
-48.0%
-34.3%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.