YOLFTbeta
FVCBankcorp Inc

FVCBankcorp Inc

FVCB · NASDAQ · Financial Services / Banks - Regional

16.26USD+0.02 (+0.12%)

Price History

Full chart

Market Stats

Previous Close16.24
Open16.54
Day Range16.03 – 16.54
52-Week Range11.68 – 19.11
Volume48.64K
Market Cap320.83M
P/E (TTM)12.35
Forward P/E12.38
EPS1.44
Dividend Yield1.57%
Beta0.32
50-Day Avg18.36
200-Day Avg16.13

About

FVCBankcorp, Inc. operates as the bank holding company for FVCbank provides various banking products and services for small and medium-sized businesses, professionals, non-profit organizations and associations, and investors. The company provides various deposit products which includes interest and noninterest-bearing transaction accounts, certificates of deposit, savings, and money market accounts. It offers lending products comprising commercial real estate loans; commercial construction loans; commercial loans for a range of business purposes, such as for working capital, equipment purchases, lines of credit, and government contract financing; small business administration lending; asset based lending and accounts receivable financing; home equity loans or home equity lines of credit; and consumer loans for constructive purposes. In addition, the company provides business and consumer credit cards; merchant services; business insurance products; and digital banking, remote deposit, and mobile banking services. FVCBankcorp, Inc. was founded in 2007 and is headquartered in Fairfax, Virginia.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. David W. Pijor Esq.
  • Employees135
  • Headquarters11325 Random Hills Road, Fairfax, VA, United States, 22030, USA
  • Websitehttps://www.fvcbank.com

Leadership

  • Mr. David W. Pijor Esq.Founder, CEO & Chairman · b. 1952
  • Ms. Patricia Ann Ferrick CPAPresident & Director · b. 1962
  • Mr. Michael G. NassySenior EVP & Chief Credit Officer · b. 1975
  • Ms. Jennifer L. Deacon CPASenior EVP & CFO · b. 1975
  • Josh GrimesChief Technology Officer
  • Ms. Lisa M. CrazeSenior Vice President of Loan Documentation & Administration
  • Mr. R. Bruce GemmillSenior VP & Chief Marketing Officer
  • Alberta A. GibsonSenior VP & Director of Human Resources
  • Mr. James C. ElliottExecutive Vice President of Commercial Lending
  • Ms. Michelle L. BucklesExecutive VP & Chief Risk Officer

Financials

Income Statement

Currency: USD2010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue7.44M6.04M15.61M19.34M23.63M27.43M33.26M42.75M52.91M68.36M68.91M71.50M83.55M42.37M111.58M122.03M
Growth (%)--18.90%+158.69%+23.88%+22.16%+16.07%+21.25%+28.54%+23.77%+29.20%+0.79%+3.77%+16.85%-49.29%+163.35%+9.37%
Cost of Revenue2.86M2.94M3.74M3.76M4.17M4.74M6.86M9.39M14.03M20.39M19.50M9.98M18.07M52.22M57.73M56.22M
Gross Profit7.44M6.04M11.87M15.58M19.46M22.69M26.40M33.35M38.88M47.97M49.41M61.52M65.48M42.37M53.85M65.82M
Gross Margin100.00%100.00%76.03%80.54%82.34%82.73%79.38%78.02%73.48%70.17%71.70%86.04%78.38%100.00%48.26%53.93%
Operating Expense5.02M3.88M9.59M12.06M13.16M14.41M15.90M18.82M25.78M27.96M29.75M33.31M34.49M26.04M31.55M37.57M
Operating Income2.43M2.15M2.28M3.52M6.30M8.28M10.50M14.54M13.11M20.01M19.66M28.21M30.99M16.33M22.30M28.25M
Operating Margin32.59%35.70%14.62%18.22%26.64%30.18%31.58%34.00%24.77%29.27%28.53%39.45%37.09%38.54%19.98%23.15%
EBITDA2.43M2.15M2.77M4.05M6.85M8.86M11.05M15.09M13.72M21.04M20.62M29.07M31.68M16.33M22.74M28.58M
EBITDA Margin32.59%35.70%17.74%20.93%28.99%32.31%33.22%35.30%25.93%30.78%29.92%40.65%37.91%38.54%20.38%23.42%
Net Income809.00K692.00K1.48M2.23M4.13M5.42M6.93M7.69M10.87M15.83M15.50M21.93M24.98M3.82M15.06M22.06M
Net Income Margin10.87%11.46%9.46%11.52%17.49%19.76%20.85%17.99%20.54%23.15%22.50%30.67%29.90%9.02%13.50%18.07%
Interest Expense1.92M1.11M2.51M2.96M3.29M3.66M5.39M8.20M12.11M18.67M14.48M10.48M15.44M1.61K57.72M54.63M
Interest Expense % of Total Revenue25.78%18.32%16.11%15.30%13.91%13.36%16.20%19.17%22.89%27.31%21.02%14.66%18.48%0.00%51.73%44.76%

Balance Sheet

Currency: USD2010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets--422.76M506.72M604.76M736.81M909.31M1.05B1.35B1.54B1.82B2.20B2.34B2.19B2.20B2.29B
Total Liabilities--383.62M445.81M537.94M664.06M829.49M954.94M1.19B1.36B1.63B1.99B2.14B104.62M1.96B2.04B
Total Equity--39.14M60.90M66.81M72.75M79.81M98.28M158.34M179.08M189.50M209.80M202.38M2.09B235.35M253.60M
Cash--54.99M32.70M15.98M28.70M8.68M22.57M43.49M33.14M141.06M240.96M81.55M-8.04M90.95M127.63M
Total Debt--5.00M26.00M65.00M71.30M51.25M48.65M24.41M63.17M81.21M55.62M294.96M104.62M76.33M25.24M
Net Debt---49.99M-6.70M49.02M42.60M42.56M1.76M-19.09M30.03M-59.85M-185.34M213.41M112.66M-14.62M-102.39M

Cash Flow

Currency: USD2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow1.85M2.35M5.56M7.34M9.42M10.49M13.34M19.43M14.87M19.45M22.39M16.27M18.23M23.86M
Investing Cash Flow-60.16M-135.29M-100.89M-132.76M-174.52M-143.67M-114.26M-163.63M-268.30M-344.34M-225.83M149.23M-8.92M-94.66M
Financing Cash Flow101.39M84.27M92.40M125.59M165.02M135.43M102.93M149.68M259.36M328.67M186.08M-164.71M-9.19M68.32M
Capital Expenditure403.96K576.69K268.46K330.87K282.23K500.00K743.00K311.00K353.00K485.00K166.00K212.00K141.00K47.00K
Free Cash Flow1.44M1.77M5.29M7.01M9.14M9.99M12.60M19.12M14.51M18.96M22.23M16.06M18.09M23.81M
Dividends Paid----5.25K4.25K--19.51M--15.12M02.17M
FCF to OCF78.11%75.45%95.17%95.49%97.00%95.22%94.43%98.40%97.63%97.51%99.26%98.70%99.23%99.80%
Dividend Paid to FCF----0.06%0.04%--134.44%--94.18%0.00%9.10%

Earnings

Report DateDec 31, 2013Mar 31, 2014Jun 30, 2014Dec 3, 2014Feb 19, 2015Apr 23, 2015Jul 20, 2015Oct 29, 2015Feb 8, 2016Apr 19, 2016Jul 20, 2016Oct 20, 2016Jan 19, 2017Apr 14, 2017Jul 25, 2017Oct 19, 2017Jan 25, 2018Apr 18, 2018Jul 19, 2018Oct 18, 2018Jan 23, 2019Apr 18, 2019Jul 18, 2019Oct 17, 2019Jan 23, 2020Apr 23, 2020Jul 24, 2020Oct 23, 2020Jan 21, 2021Apr 26, 2021Aug 2, 2021Nov 4, 2021Jan 25, 2022Apr 21, 2022Jul 21, 2022Oct 20, 2022Jan 25, 2023Apr 20, 2023Jul 25, 2023Oct 24, 2023Jan 23, 2024Apr 23, 2024Jul 25, 2024Oct 22, 2024Jan 23, 2025Apr 22, 2025Jul 22, 2025Oct 21, 2025Jan 20, 2026Apr 21, 2026Jul 21, 2026Oct 20, 2026
EPS Estimate-----0.090.110.120.110.110.130.130.140.130.150.160.160.190.200.230.210.220.240.220.200.200.180.220.250.300.210.250.290.280.340.380.380.140.220.250.200.200.210.240.250.240.280.310.310.330.360.39
EPS Actual0.060.060.080.090.120.110.120.110.080.130.130.120.130.150.150.150.200.200.220.230.210.220.220.220.210.210.200.220.290.300.290.320.360.370.340.380.220.260.230.22-0.280.200.230.250.260.280.300.310.310.360.42-
Surprise-----22.22%9.09%-8.33%-27.27%18.18%0.00%-7.69%-7.14%15.38%0.00%-6.25%25.00%5.26%10.00%0.00%0.00%0.00%-8.33%0.00%5.00%5.00%11.11%0.00%16.00%0.00%38.10%28.00%24.14%32.14%0.00%0.00%-42.11%85.71%4.55%-12.00%-240.00%0.00%9.52%4.17%4.00%16.67%7.14%0.00%0.00%9.09%16.67%-
Timing----Pre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap320.83M
Enterprise Value100.00M
Trailing P/E12.35
Forward P/E12.38
PEG Ratio0.00
Price / Sales4.41
Price / Book1.20
EPS1.44
Book Value14.78
Revenue (TTM)72.81M
Gross Profit (TTM)72.81M
Profit Margin35.48%
Operating Margin50.73%
Return on Equity10.14%
Return on Assets1.12%
Shares Outstanding18.03M
Shares Float15.23M
Beta0.32
Dividend Yield1.57%
Dividend Rate0.28
Payout Ratio18.57%

Analyst Ratings

Hold
Based on 1 analystsTarget 19.38
  • Hold
    1

Ownership Breakdown

Institutions
54.39%
Insiders
16.38%
Retail / Other
29.23%

Top Institutional Holders

  • BlackRock Inc
    918.24K5.09%
  • AllianceBernstein L.P.
    884.62K4.91%
  • Vanguard Capital Management, LLC
    694.52K3.85%
  • Ategra Capital Management LLC
    436.75K2.42%
  • Dimensional Fund Advisors, Inc.
    419.73K2.33%
  • Geode Capital Management, LLC
    348.46K1.93%
  • State Street Corp
    308.67K1.71%
  • Endeavour Capital Advisors Inc
    277.66K1.54%
  • Algert Global LLC
    217.64K1.21%
  • Two Sigma Investments LLC
    216.87K1.20%
  • Banc Funds Co LLC
    214.09K1.19%
  • Rhino Investment Partners, Inc.
    199.18K1.10%
  • Westbourne Investments Inc
    197.62K1.10%
  • American Century Companies Inc
    195.71K1.09%
  • Acadian Asset Management LLC
    181.64K1.01%
  • Bridgeway Capital Management, LLC
    178.01K0.99%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    476.09K2.64%
  • iShares Russell 2000 ETF
    463.67K2.57%
  • Avantis US Small Cap Value ETF
    262.39K1.46%
  • Fidelity Small Cap Index
    160.48K0.89%

Dividends

20264×
0.07Oct 26, 20260.07Jul 27, 20260.07Apr 27, 20260.06Jan 26, 2026
20252×
0.06Oct 27, 20250.06Jul 28, 2025

Stock Splits

  • Feb 1, 2023125:100
  • Sep 29, 20173:2
  • Jul 1, 2016125:100