FVCBankcorp, Inc.
Description
FVCBankcorp, Inc. operates as the bank holding company for FVCbank that provides various banking products and services for small and medium-sized businesses, professionals, non-profit organizations and associations, and investors in Virginia. It offers various deposit products, including interest and noninterest-bearing transaction accounts, certificates of deposit, savings, and money market accounts. The company also provides 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, it offers business and consumer credit cards; merchant services; business insurance products; and online banking, remote deposit, and mobile banking services. The company was founded in 2007 and is headquartered in Fairfax, Virginia.
About
CEO
Mr. David W. Pijor Esq.
Employees
111
Instrument type
Common Stock
Sector
Financial Services
Industry
Banks - Regional
MIC code
XNCM
Address
11325 Random Hills Road, Fairfax, VA 22030, United States
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Oscillators
No data available
Summary
No data available
Moving Averages
No data available
Earnings
| Date | Estimate EPS | Actual EPS | Difference | % Surprise |
|---|---|---|---|---|
| Jan 21, 2026 | — | — | — | — |
| Oct 20, 2025 | — | — | — | — |
| Jul 23, 2025 | — | — | — | — |
| Apr 21, 2025 | — | — | — | — |
| Jan 24, 2025 | 0.26 | 0.26 | 0.00 | 0.00% |
Earnings estimate
|
Current Quarter
(Mar 2025)
|
Next Quarter
(Jun 2025)
|
Current Year
(Dec 2025)
|
Next Year
(Dec 2026)
|
|
|---|---|---|---|---|
| Number of analysts | 1 | 1 | 1 | 0 |
| Average estimate | 0.24 | 0.26 | 1.06 | 0.00 |
| Low estimate | 0.24 | 0.26 | 1.06 | 0.00 |
| High estimate | 0.24 | 0.26 | 1.06 | 0.00 |
| Last year EPS | 0.20 | — | 0.82 | 1.06 |
[stock_revenue_estimate]
Growth estimates
Current qtr (Mar 2025)
20.000%
Next qtr. (Jun 2025)
—
Current year (Dec 2025)
29.270%
Next year (Dec 2026)
—
Next 5 years (per annum)
—
Past 5 years (per annum)
—
Income statement
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total reported revenue | 42.14M | 68.11M | 61.02M | 55.51M | 50.17M |
| Cost of revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating expense | |||||
| Research & development | — | — | — | — | — |
| Selling general and admin | 22.74M | 21.60M | 20.40M | 18.12M | 18.22M |
| Other operating expenses | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Non operating interest income | |||||
| Income | — | — | — | — | — |
| Expense | — | — | — | — | — |
| Other income expense | — | — | — | — | — |
| Pretax income | 4.23M | 30.99M | 28.21M | 19.66M | 20.01M |
| Tax provision | 410,000 | 6.01M | 6.28M | 4.16M | 4.18M |
| Net income | 3.82M | 24.98M | 21.93M | 15.50M | 15.83M |
| Basic EPS | 0.22 | 1.43 | 1.29 | 0.91 | 0.92 |
| Diluted EPS | 0.21 | 1.35 | 1.20 | 0.88 | 0.86 |
| Basic average shares | 17.72M | 17.43M | 17.06M | 16.93M | 17.27M |
| Diluted average shares | 17.72M | 17.43M | 17.06M | 16.93M | 17.27M |
| EBITDA | — | — | — | — | — |
| Net income from continuing op. | 3.82M | 24.98M | 21.93M | 15.50M | 15.83M |
| Minority interests | — | — | — | — | — |
| Preferred stock dividends | — | — | — | — | — |
Balance sheet
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | — | — | — | — | — |
| Current assets | |||||
| Cash | 8.04M | 7.25M | 24.61M | 20.84M | 14.92M |
| Cash equivalents | — | — | — | — | — |
| Cash and cash equivalents | 60.52M | 81.55M | 240.96M | 141.06M | 33.14M |
| Other short term investments | 171.60M | 278.07M | 357.61M | 126.15M | 141.33M |
| Accounts receivable | 10.32M | 9.44M | 8.07M | 9.14M | 4.09M |
| Other receivables | — | — | — | — | — |
| Inventory | — | — | — | — | — |
| Prepaid assets | 3.51M | 3.27M | 1.39M | 621,000 | 546,000 |
| Restricted cash | — | — | — | — | — |
| Assets held for sale | — | — | — | — | — |
| Hedging assets | — | — | — | — | — |
| Other current assets | — | — | — | — | — |
| Non current assets | |||||
| Properties | 47,000 | 47,000 | 47,000 | — | 13.28M |
| Land and improvements | 61,000 | 61,000 | 61,000 | 61,000 | 61,000 |
| Machinery furniture equipment | 5.02M | 5.48M | 5.44M | 5.31M | 5.04M |
| Construction in progress | — | — | — | — | — |
| Leases | 2.62M | 3.07M | 3.04M | 2.72M | 2.90M |
| Accumulated depreciation | -6.95M | -7.63M | -7.20M | -6.63M | -6.11M |
| Goodwill | 14.74M | 14.95M | 15.21M | 15.51M | 15.85M |
| Investment properties | — | — | — | — | — |
| Financial assets | — | — | — | — | — |
| Intangible assets | 428,000 | 633,000 | 895,000 | 1.20M | 1.53M |
| Investments and advances | 171.86M | 278.33M | 357.88M | 126.42M | 141.59M |
| Other non current assets | — | — | — | — | — |
| Total liabilities | — | — | — | — | — |
| Current liabilities | |||||
| Accounts payable | 2.42M | 1.27M | 1.03M | 685,000 | 605,000 |
| Accrued expenses | 11.27M | 15.55M | 52.70M | 17.60M | 8.72M |
| Short term debt | 85.00M | 235.00M | 25.00M | 25.00M | 15.00M |
| Deferred revenue | — | — | — | — | — |
| Tax payable | — | — | — | — | — |
| Pensions | — | — | — | — | — |
| Other current liabilities | — | — | — | — | — |
| Non current liabilities | |||||
| Long term debt | 28.86M | 29.96M | 30.62M | 56.21M | 38.17M |
| Provision for risks and charges | — | — | — | — | — |
| Deferred liabilities | — | — | — | — | — |
| Derivative product liabilities | — | — | — | — | — |
| Other non current liabilities | — | — | — | — | — |
| Shareholders equity | |||||
| Common stock | 178,000 | 175,000 | 137,000 | 135,000 | 139,000 |
| Retained earnings | 115.89M | 114.89M | 89.90M | 67.97M | 52.47M |
| Other shareholders equity | -24.16M | -36.57M | -2.04M | 1.83M | 690,000 |
| Total shareholders equity | 217.12M | 202.38M | 209.80M | 189.50M | 179.08M |
| Additional paid in capital | 125.21M | 123.89M | 121.80M | 119.57M | 125.78M |
| Treasury stock | — | — | — | — | — |
| Minority interest | — | — | — | — | — |
Cash flow statement
| 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||||
| Net Income | 3.82M | 24.98M | 21.93M | 15.50M | 15.83M | 10.87M | 7.69M | 6.93M | 5.42M | 4.13M | 2.23M | 1.48M |
| Depreciation | 595,000 | 686,000 | 860,000 | 960,000 | 1.03M | 615,000 | 556,000 | 543,792 | 583,979 | 555,651 | 522,790 | 488,238 |
| Deferred Taxes | 1.06M | 521,000 | 1.01M | -1.16M | 185,000 | -866,000 | 1.33M | -313,357 | -365,885 | -193,905 | -106,141 | -585,858 |
| Stock-Based Compensation | 1.14M | 1.18M | 1.01M | 690,000 | 679,000 | 707,000 | 628,000 | 697,809 | 705,000 | 481,000 | 359,520 | 260,875 |
| Other Non-Cash Items | -435,000 | -1.43M | -2.65M | -987,000 | -1.07M | -422,000 | -1.85M | -258,068 | -325,437 | -199,351 | — | -471,762 |
| Accounts Receivable | -16,000 | -9.09M | 9.48M | -10.06M | -2.04M | -4.53M | 94,000 | -881,971 | -595,922 | -342,812 | 228,280 | -195,352 |
| Accounts Payable | -4.35M | 4.56M | -6.40M | 6.20M | 1.83M | 3.52M | -223,000 | 489,421 | 545,397 | -103,060 | -1.09M | 97,462 |
| Other Assets & Liabilities | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Cash Flow | 1.82M | 21.41M | 25.25M | 11.15M | 16.43M | 9.89M | 8.22M | 7.21M | 5.97M | 4.33M | 2.14M | 1.07M |
| Investing Activities | ||||||||||||
| Capital Expenditures | -212,000 | -166,000 | -485,000 | -353,000 | -311,000 | -743,000 | -500,000 | -282,234 | -330,872 | -268,461 | -576,693 | -346,940 |
| Net Intangibles | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Acquisitions | — | — | -22.20M | — | — | 5.17M | — | — | — | — | — | 10.61M |
| Purchase of Investments | — | -47.16M | -245.73M | -34.80M | -36.62M | -37.04M | -22.14M | -68.73M | -34.12M | -29.76M | -47.78M | -19.93M |
| Sale of Investments | 107.72M | 37.08M | 48.01M | 51.73M | 24.05M | 40.20M | 17.84M | 21.16M | 28.57M | 25.60M | 17.18M | 16.55M |
| Investing Cash Flow | 113.63M | -34.49M | -216.11M | 16.03M | -33.24M | 7.11M | -8.09M | -48.23M | -6.04M | -15.37M | -32.36M | 6.78M |
| Financing Activities | ||||||||||||
| Long-Term Debt Issuance | — | 210.00M | — | 29.51M | 15.00M | — | — | 24.20M | 3.15M | 21.00M | — | — |
| Long-Term Debt Payments | -150.00M | -1.25M | -23.81M | — | — | -27.58M | -27.00M | -8.65M | — | — | — | -2.04M |
| Other Financing Charges | -113,000 | — | — | — | — | — | — | — | — | — | — | — |
| Financing Cash Flow | -149.83M | 209.69M | -22.59M | 22.61M | 16.22M | 7.04M | -16.74M | 15.67M | 3.17M | 42.17M | 29.99M | -1.25M |
| Other Cash Details | ||||||||||||
| End Cash Position | 8.04M | 7.25M | 24.61M | 20.84M | 14.92M | 9.44M | 7.43M | 5.17M | 5.26M | 5.08M | 8.02M | 56.68M |
| Income Tax Paid | 2.36M | 6.07M | — | — | — | — | 5.93M | 3.04M | 2.63M | 2.33M | 2.03M | 1.26M |
| Interest Paid | 51.02M | 15.14M | — | — | — | — | 7.95M | 5.35M | 3.64M | 3.33M | 3.07M | 2.38M |
| Free Cash Flow | 16.06M | 22.23M | 18.96M | 14.51M | 19.12M | 12.60M | 9.99M | 9.14M | 7.01M | 5.29M | 1.77M | 1.44M |
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