FVCBankcorp (FVCB)
Market Price (10/25/2026): $17.11 | Market Cap: $308.6 MilSector: Financials | Industry: Regional Banks
FVCBankcorp (FVCB)
Market Price (10/25/2026): $17.11Market Cap: $308.6 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.8%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.4%, FCF Yield is 10% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -72% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 44%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 44% Low stock price volatilityVol 12M is 22% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. | Weak multi-year price returns2Y Excs Rtn is -1.0%, 3Y Excs Rtn is -29% | Key risksFVCB key risks include [1] its heavy dependence on the Washington D.C. Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.8%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.4%, FCF Yield is 10% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -72% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 44%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 44% |
| Low stock price volatilityVol 12M is 22% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Weak multi-year price returns2Y Excs Rtn is -1.0%, 3Y Excs Rtn is -29% |
| Key risksFVCB key risks include [1] its heavy dependence on the Washington D.C. Show more. |
Qualitative Assessment
AI Analysis | Feedback
FVCBankcorp (FVCB) stock has remained largely at the same level since 6/30/2026 because of the following key factors:
1. FVCBankcorp reported strong fiscal Q2 2026 earnings, which typically provides upward momentum, but was tempered by broader market conditions. The company announced record earnings for the quarter ended June 30, 2026, with net income increasing by 45% year-over-year to $8.2 million, and diluted earnings per share (EPS) of $0.42, surpassing analysts' expectations of $0.36 by 16.67%. This strong performance included an $847 thousand pre-tax gain from the sale of its interest in Bearing Insurance Group, LLC. Despite these positive company-specific results, the stock's overall movement since June 30, 2026, remained largely stable, indicating other factors were at play.
2. The regional banking sector, while resilient, faced macroeconomic uncertainties, potentially offsetting individual bank strengths. While U.S. regional banks, including FVCB, demonstrated resilient financial results in 2026 with expectations for continued loan growth and stable asset quality, the broader environment presented challenges. Factors such as elevated deposit pricing pressures, moderating real estate valuations, and general economic uncertainty, including persistent inflation above the Federal Reserve's 2% target, likely contributed to a more cautious investor sentiment across the sector, thereby limiting significant upward movement for FVCB despite its individual successes.
Show more
FVCBankcorp (FVCB) stock has remained largely at the same level since 6/30/2026 because of the following key factors:
1. FVCBankcorp reported strong fiscal Q2 2026 earnings, which typically provides upward momentum, but was tempered by broader market conditions. The company announced record earnings for the quarter ended June 30, 2026, with net income increasing by 45% year-over-year to $8.2 million, and diluted earnings per share (EPS) of $0.42, surpassing analysts' expectations of $0.36 by 16.67%. This strong performance included an $847 thousand pre-tax gain from the sale of its interest in Bearing Insurance Group, LLC. Despite these positive company-specific results, the stock's overall movement since June 30, 2026, remained largely stable, indicating other factors were at play.
2. The regional banking sector, while resilient, faced macroeconomic uncertainties, potentially offsetting individual bank strengths. While U.S. regional banks, including FVCB, demonstrated resilient financial results in 2026 with expectations for continued loan growth and stable asset quality, the broader environment presented challenges. Factors such as elevated deposit pricing pressures, moderating real estate valuations, and general economic uncertainty, including persistent inflation above the Federal Reserve's 2% target, likely contributed to a more cautious investor sentiment across the sector, thereby limiting significant upward movement for FVCB despite its individual successes.
3. Consistent capital management through dividends and an extended share repurchase program provided stability without significant upward catalysts. FVCBankcorp continued its commitment to shareholder returns by announcing a quarterly cash dividend of $0.07 per share on July 16, 2026. Additionally, the company extended its share repurchase program on March 19, 2026, authorizing repurchases of up to 1,400,000 shares, approximately 8% of its outstanding common stock as of December 31, 2025. These actions tend to support the stock's price and signal financial health but may not trigger substantial appreciation if new growth catalysts are not perceived or if broader market sentiment for the sector remains moderate.
4. Limited analyst coverage and price targets suggested a moderate upside, contributing to the stock maintaining its level. FVCBankcorp has limited coverage from analysts, with only two providing ratings. As of July 26, 2026, Piper Sandler maintained a "Buy" rating with a price target of $21.00. The average 12-month price target from analysts was $19.38, with a high of $21.00 and a low of $17.75. Given the stock was trading around $17.43 at the beginning of the period and $17.98 by late September 2026, the potential upside implied by these targets (approximately 9.22% from the average target) might not have been compelling enough to drive aggressive buying and a significant price surge.
Show less
Stock Movement Drivers
Fundamental Drivers
The -1.9% change in FVCB stock from 6/30/2026 to 10/24/2026 was primarily driven by a -11.2% change in the company's P/E Multiple.| (LTM values as of) | 6302026 | 10242026 | Change |
|---|---|---|---|
| Stock Price ($) | 17.43 | 17.10 | -1.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 69 | 72 | 5.0% |
| Net Income Margin (%) | 33.8% | 35.7% | 5.7% |
| P/E Multiple | 13.4 | 11.9 | -11.2% |
| Shares Outstanding (Mil) | 18 | 18 | -0.5% |
| Cumulative Contribution | -1.9% |
Market Drivers
6/30/2026 to 10/24/2026| Return | Correlation | |
|---|---|---|
| FVCB | -1.9% | |
| Market (SPY) | 1.8% | 20.8% |
| Sector (XLF) | 4.3% | 51.8% |
Fundamental Drivers
The 13.5% change in FVCB stock from 3/31/2026 to 10/24/2026 was primarily driven by a 9.3% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 3312026 | 10242026 | Change |
|---|---|---|---|
| Stock Price ($) | 15.06 | 17.10 | 13.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 66 | 72 | 9.3% |
| Net Income Margin (%) | 33.3% | 35.7% | 7.2% |
| P/E Multiple | 12.3 | 11.9 | -3.0% |
| Shares Outstanding (Mil) | 18 | 18 | 0.0% |
| Cumulative Contribution | 13.5% |
Market Drivers
3/31/2026 to 10/24/2026| Return | Correlation | |
|---|---|---|
| FVCB | 13.5% | |
| Market (SPY) | 17.2% | 18.2% |
| Sector (XLF) | 13.6% | 50.3% |
Fundamental Drivers
The 34.1% change in FVCB stock from 9/30/2025 to 10/24/2026 was primarily driven by a 16.3% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 9302025 | 10242026 | Change |
|---|---|---|---|
| Stock Price ($) | 12.75 | 17.10 | 34.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 62 | 72 | 16.3% |
| Net Income Margin (%) | 32.8% | 35.7% | 8.9% |
| P/E Multiple | 11.3 | 11.9 | 5.2% |
| Shares Outstanding (Mil) | 18 | 18 | 0.6% |
| Cumulative Contribution | 34.1% |
Market Drivers
9/30/2025 to 10/24/2026| Return | Correlation | |
|---|---|---|
| FVCB | 34.1% | |
| Market (SPY) | 15.0% | 22.4% |
| Sector (XLF) | 5.0% | 51.6% |
Fundamental Drivers
The 36.4% change in FVCB stock from 9/30/2023 to 10/24/2026 was primarily driven by a 28.4% change in the company's Net Income Margin (%).| (LTM values as of) | 9302023 | 10242026 | Change |
|---|---|---|---|
| Stock Price ($) | 12.54 | 17.10 | 36.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 60 | 72 | 19.8% |
| Net Income Margin (%) | 27.8% | 35.7% | 28.4% |
| P/E Multiple | 13.2 | 11.9 | -9.8% |
| Shares Outstanding (Mil) | 18 | 18 | -1.7% |
| Cumulative Contribution | 36.4% |
Market Drivers
9/30/2023 to 10/24/2026| Return | Correlation | |
|---|---|---|
| FVCB | 36.4% | |
| Market (SPY) | 83.9% | 34.3% |
| Sector (XLF) | 75.9% | 47.3% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| FVCB Return | 34% | -3% | -7% | -11% | 12% | 32% | 58% |
| Peers Return | 29% | 8% | 17% | 7% | 2% | 28% | 127% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 12% | 104% |
Monthly Win Rates [3] | |||||||
| FVCB Win Rate | 75% | 50% | 50% | 33% | 58% | 70% | |
| Peers Win Rate | 58% | 60% | 48% | 48% | 56% | 59% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| FVCB Max Drawdown | -14% | -16% | -45% | -30% | -27% | -11% | |
| Peers Max Drawdown | -22% | -21% | -41% | -23% | -25% | -16% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: NEWT, ATLO, CLBK, GCBC, MBBC.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 10/23/2026 (YTD)
How Low Can It Go
| Event | FVCB | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -18.6% | -18.8% |
| % Gain to Breakeven | 22.8% | 23.1% |
| Time to Breakeven | 37 days | 79 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -38.4% | -6.7% |
| % Gain to Breakeven | 62.4% | 7.1% |
| Time to Breakeven | 84 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -39.1% | -33.7% |
| % Gain to Breakeven | 64.3% | 50.9% |
| Time to Breakeven | 287 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -19.5% | -19.2% |
| % Gain to Breakeven | 24.2% | 23.8% |
| Time to Breakeven | 939 days | 105 days |
In The Past
FVCBankcorp's stock fell -18.6% during the 2025 US Tariff Shock. Such a loss loss requires a 22.8% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
| Event | FVCB | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -38.4% | -6.7% |
| % Gain to Breakeven | 62.4% | 7.1% |
| Time to Breakeven | 84 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -39.1% | -33.7% |
| % Gain to Breakeven | 64.3% | 50.9% |
| Time to Breakeven | 287 days | 140 days |
In The Past
FVCBankcorp's stock fell -18.6% during the 2025 US Tariff Shock. Such a loss loss requires a 22.8% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About FVCBankcorp (FVCB)
FVCBankcorp, Inc. (FVCB) operates as the holding company for FVCbank, a community bank that provides a comprehensive suite of banking products and services. The company primarily serves the banking needs of businesses and individuals within the greater Washington, D.C., and Baltimore metropolitan areas.
Its offerings include various deposit products such as checking, savings, money market accounts, and certificates of deposit. On the lending side, FVCbank specializes in commercial real estate and construction loans, along with commercial loans for working capital, equipment purchases, and government contract financing. They also provide Small Business Administration (SBA) loans, asset-based loans, and accounts receivable financing, alongside home equity and consumer loans. Additional services encompass business and consumer credit cards, merchant services, business insurance, and digital banking solutions like online and mobile banking.
FVCbank's primary clientele consists of commercial businesses, nonprofit organizations, professional service entities, and their respective owners and employees. Geographically, the bank focuses on the greater Washington, D.C., and Baltimore metropolitan areas, with branch offices located across Virginia, Montgomery County and Baltimore in Maryland, and Washington, D.C., positioning itself as a local financial partner in these key economic regions.
```AI Analysis | Feedback
Here are 1-3 brief analogies for FVCBankcorp:
It's like a smaller, community-focused version of M&T Bank, specializing in business and professional banking for the Washington D.C. and Baltimore metropolitan areas.
Think of it as a local business bank for the D.C. region, similar to how a smaller, more traditional PNC Bank would serve commercial and small business clients.
It's a regional bank for the D.C. and Baltimore areas, akin to a highly localized Capital One that prioritizes commercial real estate and business loans over broad consumer offerings.
AI Analysis | Feedback
- Deposit Accounts: Offers a range of accounts for individuals and businesses, including checking, savings, money market, and certificates of deposit.
- Commercial Loans: Provides financing for commercial real estate, construction, business operations, and government contracts.
- Small Business Administration (SBA) Loans: Offers government-backed financing solutions specifically for small businesses.
- Asset-Based Lending: Provides financing secured by a company's assets, such as accounts receivable or inventory.
- Consumer & Home Equity Loans: Offers personal loans and loans secured by home equity for individual clients.
- Credit Cards: Provides credit card options for both business and consumer use.
- Merchant Services: Facilitates electronic payment processing for businesses.
- Business Insurance: Offers various insurance products tailored for business needs.
- Digital Banking: Provides convenient online, mobile, and remote deposit banking services.
AI Analysis | Feedback
FVCBankcorp (FVCB) serves a diverse customer base, providing banking products and services to various categories of clients rather than a few named major customers.
Its major customers fall into the following categories:
- Commercial businesses
- Nonprofit organizations
- Professional service entities
- Individuals, specifically the owners and employees of the aforementioned commercial businesses, nonprofit organizations, and professional service entities.
AI Analysis | Feedback
- Visa Inc. (V)
- Mastercard Incorporated (MA)
AI Analysis | Feedback
David W. Pijor, Chairman & Chief Executive Officer
David W. Pijor is an accomplished leader who played a pivotal role as the lead organizer in the establishment of FVCbank, which began operations in 2007. Before his career in banking, he practiced law for over 30 years, specializing in business, mergers, and international law. Mr. Pijor co-founded James Monroe Bank, where he served as Chairman and General Counsel from 1997 to 2006. Under his leadership, James Monroe Bank achieved significant growth, reaching over $740 million in assets in eight years before its acquisition by Mercantile Bancshares in 2006, which generated over tenfold returns for its initial shareholders.
Jennifer Deacon, Senior Executive Vice President & Chief Financial Officer
Jennifer Deacon brings over 20 years of community banking experience with a strong focus on accounting and finance. She previously served as Executive Vice President, Chief Accounting Officer, and Corporate Secretary with Cardinal Bank. Ms. Deacon was involved in the formation of Cardinal Bank in 1998 and contributed to its growth to over $4.2 billion in total assets. Her prior experience includes working in the accounting departments at George Mason Bank and Patriot National Bank. In May 2025, she was promoted to Senior Executive Vice President.
Patricia A. Ferrick, President
Patricia Ferrick possesses over 30 years of experience in the banking industry, primarily serving the Washington, DC, metropolitan area. She has been with FVCbank since its founding in 2007, initially as Chief Financial Officer (CFO) and later ascending to President in 2018. Before joining FVCbank, Ms. Ferrick served as CFO of Potomac Bank of Virginia, where she successfully managed its sale to Sandy Spring Bank. She also held the position of CFO at Southern Financial Bank, which was acquired by Provident Bank, and remained as Senior Vice President for a year post-merger.
Michael G. Nassy, Senior Executive Vice President & Chief Credit Officer
Michael G. Nassy is responsible for establishing the credit culture and overseeing all credit-related activities for FVCbank, including loan policies, procedures, concentration, stress testing, loan administration, and the Allowance for Loan and Lease Losses (ALLL). He has over 18 years of experience in various commercial lending and credit roles. Mr. Nassy joined FVCbank in September 2012, having previously worked at City First Bank of DC and National Cooperative Bank (NCB, FSB). He was elected chair of The Risk Management Association (RMA) for the 2022 fiscal year. In May 2025, he was promoted to Senior Executive Vice President.
Alissa Curry Briggs, Executive Vice President & Chief Lending Officer
Alissa Curry Briggs joined FVCbank in 2013 and has held various positions, including Executive Director of Commercial Real Estate. She brings over 23 years of banking experience across all lending areas, including commercial real estate (CRE), commercial and industrial (C&I), government contracting (GovCon), and government lending.
AI Analysis | Feedback
Key Risks to FVCBankcorp (FVCB)
- Dependence on the Washington D.C. Metropolitan Area Economy: FVCBankcorp's operations are heavily reliant on the economic health of the Washington D.C. metropolitan area, which is significantly influenced by the federal government. Cuts in federal employment, grants, or funding could have an oversized impact on the local economy and, consequently, on FVCB's customer base and financial performance.
- Credit Risk: The company is exposed to credit risk, particularly within its commercial real estate and government contractor loan portfolios. Economic downturns or adverse changes in these specific market segments could lead to an increase in nonperforming assets and higher credit losses.
- Interest Rate Risk: FVCBankcorp's profitability is highly sensitive to fluctuations in interest rates. Significant or rapid changes in interest rates could increase funding costs, decrease loan demand, and negatively impact the bank's net interest margin and overall profitability.
AI Analysis | Feedback
The rise of digital-only banks (neobanks) and specialized fintech platforms presents a clear emerging threat. These entities leverage technology to offer banking, lending, and payment services with potentially lower operational costs, higher efficiency, and a more streamlined digital-first customer experience. This competition could erode FVCBankcorp's market share in deposit acquisition, commercial and consumer lending, and merchant services, particularly among tech-savvy customers or businesses seeking highly convenient, digitally native financial solutions that may offer more competitive rates or faster service than a traditional branch-based community bank.
AI Analysis | Feedback
Deposit Products
The addressable market for deposit products in **Baltimore City** was approximately $26.5 billion in 2016.Commercial Loans
- The total value of active small business loans in **Maryland** is over $1 billion (specifically, $1,071,942,448).
- In **Washington, D.C.**, new lending to businesses through loans of $1 million or less totaled $904.1 million in 2021. This figure was $1.2 billion in 2020.
- Small business lending in **Baltimore City** amounted to $307 million in 2016.
Consumer Loans (including Mortgage Purchase Loans)
- The forecasted purchase loan volume for 2025 in the **Washington, D.C. Metropolitan Area** is more than $40 billion.
- The projected purchase loan volume for 2025 in the **Baltimore Metropolitan Area** is approximately $10.9 billion.
Commercial Real Estate Loans
The **Northern Virginia** region alone is projected to see $25.77 billion in apartment loan maturities between now and 2030. Specific overall addressable market sizes for commercial real estate loans or commercial construction loans for the broader Washington, D.C. and Baltimore metropolitan areas were not explicitly quantified in the available data.Other Services
Addressable market sizes for business and consumer credit cards, merchant services, business insurance products, and online/mobile banking services were not specifically quantifiable for the designated regional markets in the available information.AI Analysis | Feedback
Here are the expected drivers of future revenue growth for FVCBankcorp (FVCB) over the next 2-3 years:
- Loan Growth: The company's strategy involves increasing its loan portfolio, which has historically led to higher interest income and overall revenue growth. FVCBankcorp reported a 4% loan growth for the fourth quarter and full year 2025, contributing to continued revenue expansion.
- Net Interest Margin (NIM) Improvement: FVCBankcorp has demonstrated a consistent trend of improving net interest margin, with the fourth quarter of 2025 marking the eighth consecutive quarter of improvement. This is attributed to enhanced yields on earning assets, primarily from the loan portfolio, and effective management of funding costs.
- Core Deposit Growth: The company has successfully expanded its customer base, resulting in significant core deposit growth. This increase in core deposits is anticipated to support future loan growth initiatives.
- Repricing of Commercial Loan Portfolio: A considerable portion (62%) of FVCBankcorp's disciplined commercial loan portfolio is scheduled to reprice or mature by September 30, 2028. This presents an opportunity for the company to capture potentially higher yields on these loans, further bolstering net interest income.
- Enhancing Customer Experience and Operational Efficiencies through Technology: Management is focused on executing a growth strategy that includes leveraging technological investments to improve the customer experience and drive operational efficiencies. These efforts are expected to contribute to customer acquisition, retention, and overall revenue generation.
AI Analysis | Feedback
Share Repurchases
- FVCBankcorp repurchased 415,000 shares at a total cost of $4.6 million during the second quarter of 2025.
- In 2023, the company made common stock repurchases totaling $1.5 million.
- Common stock repurchases amounted to $730 thousand in 2022.
Share Issuance
- FVCBankcorp reported common stock issuance of $1.7 million in 2024.
- In 2023, common stock issuance was $1.7 million.
- The company's common stock issuance totaled $1.7 million in 2022.
Inbound Investments
- In February 2026, FVCBankcorp, Inc. completed a $25 million senior notes offering.
Outbound Investments
- In 2021, FVCBankcorp had net acquisitions of $22.2 million.
Capital Expenditures
- Over the last twelve months, FVCBankcorp, Inc.'s capital expenditures were approximately $30,000.
- Capital expenditures for 2024 were $141,000.
- In 2023, capital expenditures totaled $212,000.
Peer Outperformance in Regional Banks
| Ticker | Name | Rev Growth 3Y Avg | P/E | 1Y | 3Y | 5Y | 5Y Gap |
|---|---|---|---|---|---|---|---|
| FVCB | FVCBankcorp | 10.0% | 11.9x | 35.5% | 60.5% | 6.0% | — |
| SRCE | 1st Source | 7.5% | 11.8x | 46.4% | 115.1% | 100.0% | +94pp |
| WTFC | Wintrust Financial | 9.5% | 11.3x | 18.5% | 117.1% | 77.9% | +72pp |
| EWBC | East West Bancorp | 6.3% | 12.5x | 31.3% | 169.8% | 76.4% | +70pp |
| FULT | Fulton Financial | 8.0% | 11.4x | 36.1% | 115.0% | 72.9% | +67pp |
| PRK | Park National | 8.5% | 17.4x | 18.6% | 100.4% | 72.3% | +66pp |
| Industry | Names | 1Y med | 3Y med | 5Y med | Top 3 by 5Y |
|---|---|---|---|---|---|
| Reinsurance | 6 | 28.7% | 75.2% | 121.5% | SPNT 173% · RNR 148% · RGA 146% |
| Diversified Banks | 12 | 26.4% | 152.5% | 88.0% | CM 137% · RY 123% · JPM 119% |
| Life & Health Insurance | 20 | 14.7% | 55.4% | 74.1% | JXN 472% · UNM 277% · MFC 176% |
| Investment Banking & Brokerage | 13 | -14.4% | 108.1% | 71.9% | IBKR 343% · SNEX 168% · HOOD 140% |
| Property & Casualty Insurance | 42 | 15.1% | 71.3% | 66.7% | TRV 170% · PGR 166% · ACGL 147% |
| Multi-line Insurance | 9 | 6.3% | 66.1% | 57.5% | GNW 99% · L 98% · AIZ 87% |
| Multi-Sector Holdings | 3 | 4.0% | 57.0% | 52.5% | BRK-B 87% · VOYA 52% · JEF 28% |
| Regional Banks ← | 264 | 30.2% | 104.2% | 51.1% | CBC 241% · FCNCA 186% · NIC 148% |
| Financial Exchanges & Data | 15 | 13.8% | 39.1% | 32.1% | CBOE 181% · VIRT 152% · CME 73% |
| Insurance Brokers | 15 | -3.4% | 10.1% | 22.9% | LIFE 405% · ARX 88% · AJG 71% |
| Consumer Finance | 30 | 0.0% | 79.9% | 14.7% | ENVA 374% · FCFS 102% · AGM 92% |
| Diversified Financial Services | 4 | -9.1% | 23.5% | 3.5% | FRHC 160% · EQH 77% |
| Asset Management & Custody Banks | 85 | -12.8% | 19.9% | 2.8% | WT 283% · AAMI 246% · VCTR 241% |
| Commercial & Residential Mortgage Finance | 14 | -57.9% | 26.5% | -8.5% | FNMA 386% · FMCC 347% · ACT 161% |
| Specialized Finance | 3 | 7.6% | 44.9% | -12.4% | CACC -12% · HASI -22% |
| Mortgage REITs | 34 | -20.1% | 0.7% | -32.8% | RITM 36% · DX 20% · AGNC 8% |
| Transaction & Payment Processing Services | 17 | 5.3% | 12.0% | -34.1% | V 83% · MA 79% · CPAY 47% |
| Diversified Capital Markets | 20 | -55.6% | 2.1% | -66.5% | LPLA 85% · TW 46% · RIOT -56% |
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| With FVCBankcorp Stock Down 8.9% In A Month, How Confident Are You? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 15.88 |
| Mkt Cap | 0.3 |
| Rev LTM | 93 |
| Op Inc LTM | - |
| FCF LTM | 32 |
| FCF 3Y Avg | 23 |
| CFO LTM | 32 |
| CFO 3Y Avg | 23 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 21.3% |
| Rev Chg 3Y Avg | 9.1% |
| Rev Chg Q | 18.5% |
| QoQ Delta Rev Chg LTM | 4.3% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 30.3% |
| CFO/Rev 3Y Avg | 30.2% |
| FCF/Rev LTM | 28.9% |
| FCF/Rev 3Y Avg | 27.9% |
Price Behavior
| Market Price | $17.10 | |
| Market Cap ($ Bil) | 0.3 | |
| First Trading Date | 03/16/2018 | |
| Distance from 52W High | -10.1% | |
| 50 Days | 200 Days | |
| DMA Price | $18.02 | $16.49 |
| DMA Trend | down | up |
| Distance from DMA | -5.1% | 3.7% |
| 3M | 1YR | |
| Volatility | 21.1% | 22.2% |
| Downside Capture | 86.04 | 36.38 |
| Upside Capture | 48.29 | 69.19 |
| Correlation (S&P 500) | 19.8% | 22.9% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.81 | 0.60 | 0.52 | 0.31 | 0.43 | 0.85 |
| Up Beta | -0.87 | 1.17 | 0.05 | 0.13 | 0.51 | 1.02 |
| Down Beta | 1.48 | 0.19 | 0.28 | -0.20 | 0.41 | 0.74 |
| Up Capture | 73% | 21% | 66% | 54% | 45% | 48% |
| Bmk +ve Days | 6 | 16 | 27 | 66 | 132 | 424 |
| Stock +ve Days | 10 | 19 | 30 | 66 | 128 | 370 |
| Down Capture | 135% | 93% | 78% | 47% | 30% | 94% |
| Bmk -ve Days | 16 | 26 | 37 | 60 | 120 | 328 |
| Stock -ve Days | 12 | 22 | 33 | 57 | 115 | 364 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with FVCB | |
|---|---|---|---|---|
| FVCB | 38.6% | 22.2% | 1.38 | - |
| Sector ETF (XLF) | 8.0% | 14.5% | 0.29 | 50.6% |
| Equity (SPY) | 14.8% | 12.7% | 0.80 | 22.4% |
| Gold (GLD) | -2.8% | 28.5% | -0.11 | 2.7% |
| Commodities (DBC) | 52.1% | 20.7% | 1.91 | -32.3% |
| Real Estate (VNQ) | 4.3% | 13.9% | 0.06 | 37.8% |
| Bitcoin (BTCUSD) | -24.8% | 43.5% | -0.54 | 5.1% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with FVCB | |
|---|---|---|---|---|
| FVCB | 1.4% | 35.8% | 0.11 | - |
| Sector ETF (XLF) | 9.0% | 18.3% | 0.35 | 39.0% |
| Equity (SPY) | 12.7% | 17.1% | 0.56 | 27.5% |
| Gold (GLD) | 17.3% | 18.9% | 0.73 | 0.3% |
| Commodities (DBC) | 9.5% | 19.5% | 0.37 | 3.1% |
| Real Estate (VNQ) | 1.1% | 18.9% | -0.05 | 32.0% |
| Bitcoin (BTCUSD) | 5.7% | 51.7% | 0.29 | 11.3% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with FVCB | |
|---|---|---|---|---|
| FVCB | 0.9% | 44.0% | 0.17 | - |
| Sector ETF (XLF) | 13.2% | 22.1% | 0.54 | 48.6% |
| Equity (SPY) | 15.3% | 17.9% | 0.72 | 38.6% |
| Gold (GLD) | 11.8% | 16.4% | 0.59 | 0.3% |
| Commodities (DBC) | 8.4% | 18.1% | 0.38 | 11.5% |
| Real Estate (VNQ) | 5.2% | 20.7% | 0.21 | 42.7% |
| Bitcoin (BTCUSD) | 62.4% | 66.2% | 1.02 | 13.5% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Updated 10/25/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/22/2026 | -5.7% | ||
| 7/21/2026 | 0.1% | 5.9% | 3.3% |
| 4/21/2026 | 1.9% | 2.6% | 1.8% |
| 1/20/2026 | 7.0% | 6.2% | 12.1% |
| 10/21/2025 | 2.7% | 2.6% | -0.2% |
| 7/22/2025 | 0.4% | -4.5% | -4.1% |
| 4/22/2025 | 4.0% | 9.4% | 11.0% |
| 1/23/2025 | 2.4% | 4.2% | -7.3% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 14 | 13 | 13 |
| # Negative | 11 | 11 | 11 |
| Median Positive | 2.1% | 3.3% | 2.5% |
| Median Negative | -2.5% | -3.5% | -4.1% |
| Max Positive | 7.0% | 9.4% | 12.1% |
| Max Negative | -5.7% | -9.1% | -13.8% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/22/2026 | -5.7% | ||
| 7/21/2026 | 0.1% | 5.9% | 3.3% |
| 4/21/2026 | 1.9% | 2.6% | 1.8% |
| 1/20/2026 | 7.0% | 6.2% | 12.1% |
| 10/21/2025 | 2.7% | 2.6% | -0.2% |
| 7/22/2025 | 0.4% | -4.5% | -4.1% |
| 4/22/2025 | 4.0% | 9.4% | 11.0% |
| 1/23/2025 | 2.4% | 4.2% | -7.3% |
| 10/22/2024 | 3.4% | 3.3% | 2.4% |
| 7/25/2024 | 2.5% | -8.3% | 0.3% |
| 4/23/2024 | -2.5% | 0.1% | -2.8% |
| 1/23/2024 | -0.8% | -6.6% | -13.8% |
| 10/24/2023 | -2.4% | -2.2% | 8.3% |
| 7/25/2023 | 3.6% | 6.8% | -1.9% |
| 4/20/2023 | -3.4% | -2.5% | -4.7% |
| 1/25/2023 | -3.4% | -9.1% | -9.9% |
| 10/20/2022 | 1.6% | 3.5% | 0.9% |
| 7/21/2022 | 0.0% | 2.1% | 5.1% |
| 4/21/2022 | -1.3% | -3.5% | -8.0% |
| 1/27/2022 | -3.1% | -0.7% | -0.5% |
| 11/5/2021 | 1.3% | -0.4% | -1.3% |
| 8/2/2021 | -0.2% | 2.5% | 2.5% |
| 4/26/2021 | 1.0% | 2.5% | 1.4% |
| 1/22/2021 | -1.1% | -3.6% | 6.1% |
| 10/23/2020 | -4.9% | -3.0% | 1.4% |
| SUMMARY STATS | |||
| # Positive | 14 | 13 | 13 |
| # Negative | 11 | 11 | 11 |
| Median Positive | 2.1% | 3.3% | 2.5% |
| Median Negative | -2.5% | -3.5% | -4.1% |
| Max Positive | 7.0% | 9.4% | 12.1% |
| Max Negative | -5.7% | -9.1% | -13.8% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 06/30/2026 | 08/06/2026 | 10-Q |
| 03/31/2026 | 05/07/2026 | 10-Q |
| 12/31/2025 | 03/16/2026 | 10-K |
| 09/30/2025 | 11/12/2025 | 10-Q |
| 06/30/2025 | 08/13/2025 | 10-Q |
| 03/31/2025 | 05/14/2025 | 10-Q |
| 12/31/2024 | 03/20/2025 | 10-K |
| 09/30/2024 | 11/13/2024 | 10-Q |
| 06/30/2024 | 08/13/2024 | 10-Q |
| 03/31/2024 | 05/14/2024 | 10-Q |
| 12/31/2023 | 03/21/2024 | 10-K |
| 09/30/2023 | 11/09/2023 | 10-Q |
| 06/30/2023 | 08/11/2023 | 10-Q |
| 03/31/2023 | 05/11/2023 | 10-Q |
| 12/31/2022 | 03/24/2023 | 10-K |
| 09/30/2022 | 11/09/2022 | 10-Q |
| Report Date | Filing Date | Filing |
|---|---|---|
| 06/30/2026 | 08/06/2026 | 10-Q |
| 03/31/2026 | 05/07/2026 | 10-Q |
| 12/31/2025 | 03/16/2026 | 10-K |
| 09/30/2025 | 11/12/2025 | 10-Q |
| 06/30/2025 | 08/13/2025 | 10-Q |
| 03/31/2025 | 05/14/2025 | 10-Q |
| 12/31/2024 | 03/20/2025 | 10-K |
| 09/30/2024 | 11/13/2024 | 10-Q |
| 06/30/2024 | 08/13/2024 | 10-Q |
| 03/31/2024 | 05/14/2024 | 10-Q |
| 12/31/2023 | 03/21/2024 | 10-K |
| 09/30/2023 | 11/09/2023 | 10-Q |
| 06/30/2023 | 08/11/2023 | 10-Q |
| 03/31/2023 | 05/11/2023 | 10-Q |
| 12/31/2022 | 03/24/2023 | 10-K |
| 09/30/2022 | 11/09/2022 | 10-Q |
| 06/30/2022 | 08/10/2022 | 10-Q |
| 03/31/2022 | 05/12/2022 | 10-Q |
| 12/31/2021 | 03/24/2022 | 10-K |
| 09/30/2021 | 11/10/2021 | 10-Q |
| 06/30/2021 | 08/12/2021 | 10-Q |
| 03/31/2021 | 05/13/2021 | 10-Q |
| 12/31/2020 | 03/25/2021 | 10-K |
| 09/30/2020 | 11/09/2020 | 10-Q |
| 06/30/2020 | 08/10/2020 | 10-Q |
| 03/31/2020 | 05/11/2020 | 10-Q |
| 12/31/2019 | 03/27/2020 | 10-K |
| 09/30/2019 | 11/13/2019 | 10-Q |
Recent Forward Guidance
Updated 10/24/2026Latest: Q3 2026 Earnings Reported 10/22/2026
| Forward Guidance | Guidance Change | |||||||
|---|---|---|---|---|---|---|---|---|
| Metric | Source | Low | Mid | High | % Chg | % Delta | Change | Prior |
| Q4 2026 Dividends | Reported | 0.07 | ||||||
| Q4 2026 Aggregate Dividend Payment | Reported | 1.30 Mil | ||||||
Prior: Q2 2026 Earnings Reported 7/21/2026
| Forward Guidance | Guidance Change | |||||||
|---|---|---|---|---|---|---|---|---|
| Metric | Source | Low | Mid | High | % Chg | % Delta | Change | Prior |
| 2026 Loan Yields | Reported | |||||||
Q1 2026 Earnings Reported 4/21/2026
| Forward Guidance | Guidance Change | |||||||
|---|---|---|---|---|---|---|---|---|
| Metric | Source | Low | Mid | High | % Chg | % Delta | Change | Prior |
| 2027 Fixed Rate Commercial Loans Repricing | Reported | 125.90 Mil | 12.3% | Higher New | Actual: 112.10 Mil for 2026 | |||
| 2027 Variable Rate Commercial Loans Repricing | Reported | 29.20 Mil | 11.5% | Higher New | Actual: 26.20 Mil for 2026 | |||
| 2027 Share Repurchases | Reported | 1.40 Mil | ||||||
| 2029 Fixed Rate Commercial Loans Repricing | Reported | 310.90 Mil | ||||||
| 2029 Variable Rate Commercial Loans Repricing | Reported | 129.70 Mil | ||||||
Q4 2025 Earnings Reported 1/20/2026
| Forward Guidance | Guidance Change | |||||||
|---|---|---|---|---|---|---|---|---|
| Metric | Source | Low | Mid | High | % Chg | % Delta | Change | Prior |
| 2026 Fixed Rate Commercial Loan Repricing | Reported | 112.10 Mil | 29.1% | Raised | Guidance: 86.80 Mil for 2026 | |||
| 2026 Variable Rate Commercial Loan Repricing | Reported | 26.20 Mil | 227.5% | Raised | Guidance: 8.00 Mil for 2026 | |||
Insider Activity
Updated 8/24/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Laughlin, Scott | Direct | Sell | 8242026 | 18.55 | 8,100 | 150,255 | 3,235,510 | Form | |
| 2 | Jackson, Sharon L | EVP, Chief Banking Officer | Direct | Sell | 5042026 | 15.64 | 1,500 | 23,460 | 380,521 | Form |
| 3 | Wills, Phillip R Iii | Direct | Sell | 3182026 | 14.81 | 11,462 | 169,706 | 794,993 | Form | |
| 4 | Nassy, Michael G | Sr EVP, Chief Credit Officer | Direct | Sell | 3022026 | 15.56 | 3,100 | 48,236 | 856,127 | Form |
| 5 | Schwartz, Lawrence W | IRA | Sell | 2272026 | 15.66 | 21,483 | 336,508 | 389,217 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Laughlin, Scott | Direct | Sell | 8242026 | 18.55 | 8,100 | 150,255 | 3,235,510 | Form | |
| 2 | Jackson, Sharon L | EVP, Chief Banking Officer | Direct | Sell | 5042026 | 15.64 | 1,500 | 23,460 | 380,521 | Form |
| 3 | Wills, Phillip R Iii | Direct | Sell | 3182026 | 14.81 | 11,462 | 169,706 | 794,993 | Form | |
| 4 | Nassy, Michael G | Sr EVP, Chief Credit Officer | Direct | Sell | 3022026 | 15.56 | 3,100 | 48,236 | 856,127 | Form |
| 5 | Schwartz, Lawrence W | IRA | Sell | 2272026 | 15.66 | 21,483 | 336,508 | 389,217 | Form | |
| 6 | Jackson, Sharon L | EVP, Chief Banking Officer | Direct | Sell | 2262026 | 15.49 | 1,000 | 15,490 | 353,637 | Form |
| 7 | Wills, Phillip R Iii | Direct | Sell | 2252026 | 15.48 | 4,800 | 74,304 | 1,008,615 | Form | |
| 8 | Wills, Phillip R Iii | Direct | Sell | 2252026 | 15.44 | 10,200 | 157,488 | 1,080,121 | Form | |
| 9 | Nassy, Michael G | Sr EVP, Chief Credit Officer | Direct | Sell | 11202025 | 12.23 | 1,000 | 12,225 | 663,224 | Form |
| 10 | Jackson, Sharon L | EVP, Chief Banking Officer | Direct | Sell | 9042025 | 13.52 | 2,000 | 27,040 | 322,182 | Form |
| 11 | Satz, Devin | Direct | Sell | 8222025 | 13.47 | 7,000 | 94,322 | 1,915,724 | Form | |
| 12 | Schwartz, Lawrence W | Direct | Sell | 8202025 | 12.83 | 4,000 | 51,320 | 208,821 | Form | |
| 13 | Satz, Devin | Direct | Sell | 8132025 | 13.01 | 5,000 | 65,031 | 1,940,174 | Form | |
| 14 | Satz, Devin | Direct | Sell | 8132025 | 12.84 | 5,000 | 64,192 | 1,979,335 | Form | |
| 15 | Laughlin, Scott | Direct | Sell | 8012025 | 12.84 | 1,151 | 14,779 | 2,317,890 | Form |
Investor Activity (13F)
Updated Oct 25, 2026Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.
FVCBankcorp — Investor Video Playlist





Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Regional Banks Resources |
| Bank Director |
| Independent Banker |
| S&P Global Market Intelligence |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
Prefer one of these to Trefis? Tell us why.