FVCBankcorp
Runs FVCbank for commercial clients across the Washington and Baltimore corridor.
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Profile
Runs a Virginia-chartered community bank focused on commercial borrowers, deposits, treasury services, and digital banking. The model is concentrated in the Washington and Baltimore corridor, with relationship lending, local management, commercial real estate exposure, rate spreads, and bank regulation shaping results.
Operates through FVCbank, a Virginia-chartered community bank serving commercial businesses, nonprofits, professional firms, owners, and employees. Products include deposits, commercial real estate and construction loans, commercial working-capital and equipment loans, government-contract financing, SBA lending, treasury management, digital banking, merchant services, credit cards, and access to business insurance.
Focuses on the greater Washington, D.C. and Baltimore metropolitan areas, including Northern Virginia, Washington, D.C., Maryland suburbs, and Baltimore. The model leans on relationship banking, local ownership and management, and deposit relationships that influence loan decisions and pricing.
Net interest income depends on loan and securities yields versus deposit and borrowing costs. Loan exposure is concentrated in the same regional footprint and in commercial real estate, while cannabis-related banking requires onboarding, license checks, monitoring, and Bank Secrecy Act compliance.
Company facts
Categories
Key statistics
Year to date +30.9% · Average volume (30d) 90.9K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| May 4, 2026 | Piper Sandler | Reiterate | Overweight | $18 | $19 |
| Feb 12, 2026 | Piper Sandler | Reiterate | Overweight | $18 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 21, 2026Q2 FY26 | $0.36 | $0.42 | +16.7% | $19.3M | $21.3M | +10.2% | +0.11% |
| Apr 21, 2026Q1 FY26 | $0.33 | $0.35 | +6.1% | $18.2M | $18.3M | +0.2% | +1.88% |
| Jan 20, 2026Q4 FY25 | $0.31 | $0.31 | 0.0% | $17.6M | $17.9M | +1.6% | +7.02% |
| Oct 21, 2025Q3 FY25 | $0.31 | $0.31 | 0.0% | $17.1M | $16.6M | −3.4% | +2.70% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $28.0M | $30.1M | $30.4M | $31.5M | $30.7M | $3.0M | |
| Gross profit | $14.3M | $16.3M | $16.2M | $16.9M | $18.1M | $2.6M | |
| Operating income | $6.4M | $7.2M | $7.2M | $7.4M | $8.2M | −$17.8M | |
| Net income | $5.2M | $5.7M | $5.6M | $5.6M | $6.4M | $14.6M | |
| Diluted EPS | $0.28 | $0.31 | $0.31 | $0.31 | $0.35 | $0.45 | |
| Gross margin | 51.0% | 54.2% | 53.3% | 53.8% | 59.0% | 86.5% | |
| Operating margin | 22.8% | 24.0% | 23.8% | 23.5% | 26.9% | -587.6% |
Fiscal years (4-quarter sums)FY21 $70.2M · FY22 $82.3M · FY23 $94.4M · FY24 $111.6M · FY25 $119.9M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $12.2M · Total debt $30.2M · Total assets $2.37B · Shareholders' equity $265.4M
Dividends
Last raised to $0.07 from $0.06 in Apr 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jul 27, 2026 | Jul 27 | Aug 17 | $0.07 | |
| Apr 27, 2026 | Apr 27 | May 18 | $0.07 | raised from $0.06 |
| Jan 26, 2026 | Jan 26 | Feb 17 | $0.06 | |
| Oct 27, 2025 | Oct 27 | Nov 17 | $0.06 | |
| Jul 28, 2025 | Jul 28 | Aug 18 | $0.06 |
Ownership
Shares outstanding 18.00M · Float 12.70M · 70.6% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Fourthstone LLC | 1.28M | 7.11% | 13G | May 15, 2026 |
| Endeavour Capital Advisors Inc | 1.24M | 6.89% | 13F | May 11, 2026 |
| BlackRock, Inc. | 1.02M | 5.70% | 13G | Jul 28, 2026 |
| AllianceBernstein L.P. | 884.6K | 4.92% | 13F | May 15, 2026 |
| Vanguard Capital Management LLC | 694.5K | 3.86% | 13F | May 15, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 24, 2026 | Sharon L. Jackson | officer: EVP, Chief Banking Officer | −1,400 | $18.62 |
| Aug 21, 2026 | Scott Laughlin | director | −8,100 | $18.55 |
| May 1, 2026 | Sharon L. Jackson | officer: EVP, Chief Banking Officer | −1,500 | $15.64 |
| Mar 17, 2026 | Phillip R. III Wills | director | −11,462 | $14.81 |
| Feb 26, 2026 | Lawrence W. Schwartz | director | −42,966 | $15.66 |
Peers
- Capital One
Dominant local large-bank rival in deposits, cards, and business banking
- Bank of America
National rival across business deposits, treasury, cards, and lending
- Truist Financial
Regional-bank rival in Mid-Atlantic commercial banking and treasury
- PNC Financial Services Group
Mid-Atlantic super-regional rival in deposits, lending, and treasury
- Wells Fargo
Large-bank rival in business lending, deposits, treasury, and CRE
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| FVCBankcorp | $18.27 | 0.00% | $328.8M | 12.9 | 11.6 | 3.4 | +29.8% |
| Capital One | $223.60 | +3.64% | $132.31B | 13.3 | 9.9 | 1.7 | +26.0% |
| Bank of America | $62.30 | −0.04% | $442.26B | 14.4 | 12.7 | 2.3 | +19.3% |
| Truist Financial | $53.13 | +5.37% | $62.83B | 12.0 | 10.6 | 2.1 | +6.5% |
| PNC Financial Services Group | $256.30 | +5.78% | $96.65B | 13.3 | 11.9 | 2.7 | +21.4% |
| Wells Fargo | $86.69 | +0.01% | $262.12B | 12.5 | 11.6 | 2.0 | +8.6% |
| Median | 13.3 | 11.6 | 2.1 | +19.3% |