FVCBankcorp, Inc. (FVCB) Stock

FVCBankcorp, Inc. (FVCB) is a Financials stock trading at $18.57 (as of 2026-08-21), with a market capitalization of $334.90M and a trailing P/E of 13.0. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

FVCBankcorp, Inc. operates as the holding company for FVCbank that provides various banking products and services in Virginia. It offers deposit products, including interest and noninterest-bearing transaction accounts, checking and savings accounts, money market accounts, and certificates of deposit. The company also provides commercial real estate loans; commercial construction loans; commercial loans for various business purposes, such as for working capital, equipment purchases, lines of credit, and government contract financing; small business administration loans; asset-based loans and accounts receivable financing; home equity loans; and consumer loans. 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 serves the banking needs of commercial businesses, nonprofit organizations, professional service entities, and their respective owners and employees located in the greater Washington, D.C., and Baltimore metropolitan areas. It operates a network of 9 additional branch offices in Arlington, Virginia; the independent city of Manassas, Virginia; Reston, Fairfax County, Virginia; Springfield, Fairfax County in Virginia; Montgomery County and Baltimore in Maryland, and Washington, D.C. FVCBankcorp, Inc. was founded in 2007 and is headquartered in Fairfax, Virginia.

Understand FVCBankcorp, Inc.: how it makes money

FVCBankcorp runs FVC Bank in Virginia, offering deposit accounts and making commercial real estate, commercial construction, small business, and other loan products, with profitability tied to its lending and deposit-gathering model.

For banks like FVCBankcorp, profit is structurally driven by the loan and deposit mix (interest-earning lending supported by gathered deposits) and the credit quality of the loan portfolio, which is reflected in nonperforming and past-due measures.

Business quality (Strong): The provided facts show core credit and funding indicators for the latest quarter, but there is no reportable segment revenue breakdown or detailed income statement drivers, which limits how precisely a retail investor can attribute performance.

Valuation: At 13× earnings, FVCB trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Nonperforming levels are low in the latest quarter: Nonperforming Assets are reported at 0.01 USD_B for the quarter ended 2026-03-31, alongside Nonaccrual Loans and Loans 90 Days or More Past Due at 0.01 USD_B.
  • Deposit base is concentrated in core deposits: Core Deposits are 1.77 USD_B, which is larger than Wholesale Deposits (0.26 USD_B) and Reciprocal Deposits (0.24 USD_B), based on the same quarter.
  • Returns are positive on a GAAP basis: Return on Average Equity (GAAP) is 10.04 percent and Return on Average Assets (GAAP) is 1.17 percent for the quarter ended 2026-03-31.

Bear case

  • Credit pressure can quickly show up in nonperforming measures: Even with Nonperforming Assets at 0.01 USD_B, the bank’s disclosure includes multiple past-due and nonperforming categories, indicating monitoring matters (for example, Nonaccrual Loans and Loans 90 Days or More Past Due at 0.01 USD_B).
  • Funding mix includes a meaningful portion of uninsured and non-core sources: Uninsured Deposits are 0.94 USD_B, and Wholesale Deposits are 0.26 USD_B (with Reciprocal Deposits at 0.24 USD_B). A higher share of these categories can increase sensitivity to deposit volatility.
  • Limited visibility into growth and balance sheet dynamics from the provided facts: The disclosure includes Loan Originations (0.04 USD_B) and Loans Paid Off (0.04 USD_B), but there is no full credit quality rollforward or segment revenue detail in the provided information.
Valuation — source: SEC EDGAR (first-party)
Price$18.57
Market Cap$334.90M
P/E Ratio13.0
EV / EBITDA9.7
Price / Book1.26
Price / Sales10.85
FCF Yield8.2%
DCF Value (model)$21.51
DCF Upside vs Price15.8%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$1.78M
Net Margin1238.5%
Revenue Growth (YoY)-98.1%
EPS Growth (YoY)48.4%
FCF Growth (YoY)172.3%
Valuation vs Sector & Industry
Stock P/E13.0
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
vs Sector-14.2%
vs Industry-0.1%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderFourthstone LLC ($19.38M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEODavid W. Pijor
Employees110
CountryUS
IPO Date2015-05-06

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FVCB earnings history · FVCB institutional & insider holders · FVCB KPIs & operating metrics · FVCB financials · FVCB investor presentations & press releases · FVCB SEC filings · FVCB peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.