FVCBankcorp, Inc. (FVCB) Earnings History

FVCBankcorp, Inc. - Q4 FY2025 Earnings

Filed at: Jan 20, 2026, 4:53 PM EST|Read from source

EXECUTIVE SUMMARY

FVCBankcorp, Inc. reported a strong fourth quarter and full year 2025, driven by a significant increase in net income and diluted EPS, alongside consistent improvements in net interest margin and loan growth.

POSITIVE HIGHLIGHTS

  • •

    Net income increased 15% to $5.6 million for Q4 2025 compared to $4.9 million in Q4 2024.

    positive
  • •

    Diluted earnings per share increased 19% to $0.31 for Q4 2025 compared to $0.26 in Q4 2024.

    positive
  • •

    Full year 2025 net income increased 46% to $22.1 million, with diluted EPS rising to $1.21 from $0.82 in 2024.

    positive
  • •

    Net interest margin improved 28 basis points to 3.05% in Q4 2025, marking the eighth consecutive quarter of improvement.

    positive
  • •

    Total deposits grew 7% year-over-year to $2.00 billion at December 31, 2025.

    positive
  • •

    Total loans increased 4% year-over-year to $1.94 billion at December 31, 2025.

    positive
  • •

    Pre-tax pre-provision operating income increased 32% year-over-year to $8.4 million for Q4 2025.

    positive

CONCERNS & RISKS

  • •

    The Company's watch list loans increased significantly to $57.9 million at December 31, 2025, from $15.1 million at September 30, 2025, primarily due to three commercial real estate loans.

    attention
  • •

    Commercial real estate loans still represent a significant portion of the loan portfolio (53% of total loans).

    attention
  • •

    Noninterest expense increased 6% year-over-year in Q4 2025, primarily driven by higher salaries and benefits.

    attention

FINANCIAL METRICS

Revenue
Quarterly
N/A
N/A
Net Income
Quarterly
$5.65M
+15.2%
Prior year: $4.90M
Annual (YTD)
$22.06M
N/A
Prior year: $15.06M
EPS (Diluted)
Quarterly
$0.31
+19.2%
Prior year: $0.26
Annual (YTD)
$1.21
N/A
Prior year: $0.82
Operating Income
Quarterly
N/A
N/A
EPS (Basic)
Quarterly
$0.31
+14.8%
Prior year: $0.27
Annual (YTD)
$1.22
N/A
Prior year: $0.83

MARGIN ANALYSIS

Margin metrics will be available once backend extracts data from insights_json

SPECIAL ITEMS & ADJUSTMENTS

2025
Gain from unwinding of pay-fixed/receive floating interest rate swaps
Recorded in non-interest income
+$0.091M
2024
Nonrecurring increase to tax provisioning related to the loss of tax favored status of BOLI
Impacted tax provisioning
+$2.4M
Total Impact
+$2.491M

Special items are non-recurring events that may distort period-over-period comparisons. Analysts typically adjust for these when calculating normalized earnings.

MANAGEMENT COMMENTARY

CEO highlighted 2025 results as indicative of strategic focus, discipline, and execution to enhance earnings while growing core loan and deposit base.

— FVCBankcorp, Inc., Q4 FY2025 2025 Earnings Call

President emphasized focus on enhancing customer experience and operating efficiencies to drive growth and profitability.

— FVCBankcorp, Inc., Q4 FY2025 2025 Earnings Call

The company is committed to maintaining and growing a strong financial services company for employees, clients, shareholders, and communities.

— FVCBankcorp, Inc., Q4 FY2025 2025 Earnings Call

Commentary excerpts from earnings call transcripts provide management's perspective on performance, strategy, and outlook. Always review full transcripts for complete context.

OPERATIONAL METRICS

Commercial Real Estate Loans To Total Risk Based Capital
313
-15.9% YoY
Prior year: 372
%
Full Time Equivalent Employees
122
+8.9% YoY
Prior year: 112
employees
Net Interest Margin
3.0
+9.4% YoY
Prior year: 2.8
%
Nonperforming Loans To Total Assets
0.5
-17.2% YoY
Prior year: 0.6
%
Total Deposits
2000.0M
+7.0% YoY
Prior year: 1870.0M
dollars
Total Loans
1940.0M
+3.7% YoY
Prior year: 1870.0M
dollars

Operational metrics provide insight into business drivers and customer engagement beyond traditional financial measures.