FVCB
FVCBankcorp, Inc.14.00
+0.00+0%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
No earnings call transcript available
Key Stats
Market Cap
253.05MP/E (TTM)
11.97Basic EPS (TTM)
1.17Dividend Yield
0.01%Recent Filings
8-K
Extends share repurchase program
FVCBankcorp extended its 2020 share repurchase program on March 19, 2026, authorizing buys of up to 1,400,000 common shares—about 8% of shares outstanding at December 31, 2025—through March 31, 2027. Management holds discretion amid market conditions and capital needs. Board can terminate early. Repurchases signal confidence, yet hinge on liquidity.
10-K
FY2025 results
FVCBankcorp closed FY2025 with assets at $2.29B (up 4% y/y), loans at $1.94B (up 4% y/y, driven by 35% C&I growth), and deposits at $2.00B (up 7% y/y, core up 6%). Net income hit $22.1M ($1.21 diluted EPS), up 46% y/y, fueled by 15% net interest income growth to $63.8M (margin 2.92%, +30bps) as deposit costs fell while loan yields rose. Q4 momentum showed nonperformers dipping to 0.55% of loans (from 0.69% FY avg), with provision at $1.6M covering 4% loan growth; asset quality held firm amid CRE concentration (313% risk-based capital). Repurchased 572k shares for $6.7M; liquidity strong at 12% of assets. Federal spending cuts threaten D.C.-area borrowers.
8-K
FVCBankcorp issues $25M notes
FVCBankcorp issued $25 million in 6.75% fixed-rate senior unsecured notes due March 1, 2029, to qualified institutional buyers on February 11, 2026. Proceeds target general corporate purposes, chiefly bolstering FVCbank's capital ratios post-$19 million subordinated debt redemption. Notes permit prepayment after March 1, 2028. Covenants restrict subsidiary stock dealings; cross-defaults apply.
8-K
Earnings up 46% to $22.1M
FVCBankcorp reported Q4 net income of $5.6 million, up 15% from $4.9 million a year ago, with full-year 2025 net income surging 46% to $22.1 million. Net interest margin hit 3.05%, up 28 basis points year-over-year, fueled by loan yields and lower deposit costs amid 7% deposit growth to $2.00 billion and 4% loan expansion to $1.94 billion. CRE concentration dropped to 313%. Dividends rose sharply. Watch list loans climbed.
10-Q
Q3 FY2025 results
FVCBankcorp posted Q3 net income of $5.6M, up 19% y/y, with diluted EPS steady at $0.31 on 18.2M shares. Net interest income climbed 13% y/y to $16.0M as deposit costs fell 39bps to 3.41% while loan yields edged up 7bps to 5.90%; margins widened to 2.91%. Noninterest income jumped 27% y/y on stronger minority interest earnings, though expenses rose 3% y/y. Deposits grew to $1.98B with $229M cash and equivalents; $50M FHLB debt steady. Loans ticked down to $1.86B, nonperformers eased to 0.48% of assets. Solid margins persist. Cannabis banking exposes 8% of loans to federal enforcement risk.
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