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FVCBankcorp, Inc.

FVCB

$18.52 ▼ -0.21 (-1.12%) at close

10 Visible periods

31 Metrics

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Fair

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Analytical Summary

FVCBankcorp, Inc. shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $335.6M

Dividend Yield —

Revenue Growth None

Op. Margin None

ROIC None

FCF / Share None

Trailing P/E 15.2x

Price / Book 1.3x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

10-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$68.08M

↑ +9.4% —

Net Income Profit after all expenses

$22.06M

↑ +46.4% —

Operating Margin Operating profit as % of sales

45.5%

— +0.4% —

Health Breakdown

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Revenue Growth YoY (%)	—	—	—	9.4% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+56%)	12.1% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+102%)	9.7% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+61%)	22.0% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+267%)	18.2% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+204%)	—	—
EPS Growth YoY (%)	47.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	277.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-84.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	10.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	41.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-0.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	23.7% Good Good Year-over-year change in earnings per share Optimal: > 10%	25.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	46.4% Excellent ↓ Excellent Declining Year-over-year change in net income	294.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-84.7% Weak ↓ Weak Declining Year-over-year change in net income	13.9% Fair ↓ Fair Declining Year-over-year change in net income	41.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-2.1% Weak ↓ Weak Declining Year-over-year change in net income	45.6% Excellent Excellent Year-over-year change in net income	41.3% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	—	—	—	10.4% Good ↓ Good Declining Compound annual revenue growth over 3 years	14.5% Good Good Compound annual revenue growth over 3 years	16.5% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	—	—	—	14.2% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-5.2% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-13.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-37.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	15.8% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	20.1% Excellent Excellent Compound annual EPS growth over 3 years	15.5% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Operating Margin (%) (%)	—	—	—	45.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+82%)	45.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+81%)	35.4% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	39.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	31.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	41.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+66%)	—
Effective Tax Rate (%) (%)	21.9% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	9.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.4% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.2% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.1% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.9% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.1% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	47.1% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	—	—	—	36.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	35.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+60%)	27.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	31.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	26.2% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	21.9% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	8.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	6.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	1.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	12.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	8.2% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	8.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	6.9% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	7.8% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Basic EPS, GAAP (USD)	$1.22	$0.83	$0.22	$1.43	$1.29	$0.91	$0.92	$0.74	$0.59	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$14.15	$12.93	$12.19	$11.58	$15.28	$11.22	$10.31	$9.24	$7.23	—
Tangible Book Value per Share (USD)	$13.75	$12.54	$11.79	$11.17	$14.76	$10.80	$9.89	$8.86	$7.23	—
Basic Weighted Avg Shares (shares)	18.12M	18.06M	17,723	17,431	17,062	16,928	17,271	14,644	13,044	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$253.60M	$235.35M	$217.12M	$202.38M	$209.80M	$189.50M	$179.08M	$158.34M	$98.28M	$79.81M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Sales/Revenue/Turnover (USD)	—	—	—	$68.08M	$62.25M	$55.51M	$50.61M	$41.48M	$35.08M	—
Depreciation Expense (USD)	$212.00K	$280.00K	$390.00K	$424.00K	$555.00K	$615.00K	$643.00K	$497.00K	$536.00K	—
Net Income, GAAP (USD)	$22.06M	$15.06M	$3.82M	$24.98M	$21.93M	$15.50M	$15.83M	$10.87M	$7.69M	—
Operating Cash Flow (USD)	$23.86M	$18.23M	$16.27M	$22.39M	$19.45M	$14.87M	$20.40M	$13.34M	$10.49M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Net Interest Margin (approx.) (%)	2.8%	2.5%	2.5%	2.8%	2.6%	2.9%	3.1%	2.9%	3.0%	—
Efficiency Ratio (%) (%)	—	—	—	50.6%	55.5%	55.6%	57.1%	63.8%	55.1%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 10 years · 37 quarters

FVCBankcorp, Inc.

Analytical Summary

10-Year Financial Trajectory

Health Breakdown

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