FVCB · FVCBankcorp, Inc.
Market Cap
$330.39M
Shares
18.03M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$18.27
Open$18.32
Day$17.91–18.39
52W close$11.98–19.03
Avg vol 30d91K
Short int339K · 1.9% float · 4.2d
Short vol62%
DataFeb 2023–Aug 2026
Filing10-Q · Aug 6
Raw chart and full-history price indicators begin at the captured split on Feb 1, 2023; bars on opposite sides are not compared.
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
Equibles Rating
blended score · not investment adviceOverall
Strong Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 14.4 · calm
Equity put/call 0.62
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+17%
above
Price vs 50-day avg
+1%
above
RSI (14)
48
neutral
MACD trend
Negative
52-week position
89%
near high
Momentum
relative strength
1-month return
−2%
trailing
6-month return
+22%
trailing
YTD return
+31%
this year
Relative strength
+9%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $18 › 200d $16 — 50d above 200d
Institutional flow
Accumulating
+16% holders QoQ · +28 funds added
Insider flow
Distributing
Net -$176.3K over 90 days · 100% sells
Short interest
Falling
1.88% of float · ▼ -11.9% MoM · 4.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
119 holders — near 3-yr high, broad support
Squeeze score
50
elevated · 0–100
Fundamentals
Revenue growth
+14%
Y/Y
EPS growth
+48%
Y/Y
Free cash flow
$23.8M
Quant / Vol
risk profile
Volatility
24%
annualized · 1-yr
Max drawdown
−14%
past year
ATR
2.3%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+17%
Bullish
Price vs 50-day avg
+1%
Bullish
RSI (14)
48
Neutral
MACD trend
Negative
Bearish
52-week position
89%
Bullish
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $18 › 200d $16 — 50d above 200d
Institutional flow
Accumulating
+16% holders QoQ · +28 funds added
Insider flow
Distributing
Net -$176.3K over 90 days · 100% sells
Short interest
Falling
1.88% of float · ▼ -11.9% MoM · 4.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
119 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $12
Now $18 · 89%
Range high $19
vs 200-day avg +17%
vs 50-day avg +1%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| average interest-earning assets | 2.18B | the three months ended June 30, 2026 filing | — |
| average loans receivable | 1.92B | the three months ended June 30, 2026 filing | — |
| average noninterest-bearing deposits | 379.3M | the three months ended June 30, 2026 filing | — |
| average wholesale deposits | 199.3M | the three months ended June 30, 2026 filing | — |
| cost of interest-bearing deposits | 2.99% | the three months ended June 30, 2026 filing | — |
| cost of interest-bearing liabilities | 3.07% | the three months ended June 30, 2026 filing | — |
|
|
|||
| cost of other borrowed funds | 3.96% | the three months ended June 30, 2026 filing | — |
| Ending Balance, June 30 | $19.15M | the three months ended June 30, 2026 filing | +6.0% |
|
|
|||
| Provision for (reversal of) credit losses - unfunded commitments | $241K | the three months ended June 30, 2026 filing | — |
| Total provision for credit losses | $241K | the three months ended June 30, 2026 filing | — |
| yield on average interest-bearing deposits at other financial institutions | 3.67% | the three months ended June 30, 2026 filing | — |
| yield on average loans | 6.13% | the three months ended June 30, 2026 filing | — |
| yield on interest-earning assets | 5.72% | the three months ended June 30, 2026 filing | — |
| yield on loans (excluding prepayment fee) non-GAAP | 5.93% | the three months ended June 30, 2026 filing | — |
| Adjusted Earnings per share - basic (non-GAAP core operating earnings) non-GAAP | $0.79 | Six Months Ended June 30, 2026 | — |
|
|
|||
| Adjusted Earnings per share - diluted (non-GAAP core operating earnings) non-GAAP | $0.78 | Six Months Ended June 30, 2026 | — |
|
|
|||
| Adjusted Earnings per share - diluted (non-GAAP pre-tax pre-provision) non-GAAP | $1.02 | Six Months Ended June 30, 2026 | — |
|
|
|||
| Adjusted Efficiency ratio (non-GAAP core operating earnings) non-GAAP | 52.18% | Six Months Ended June 30, 2026 | — |
|
|
|||
| Adjusted efficiency ratio (non-GAAP) non-GAAP | 51.77% | the second quarter of 2026 | — |
| Adjusted Net Income, core bank operating earnings (non-GAAP) non-GAAP | $14.14M | Six Months Ended June 30, 2026 | — |
| Adjusted Net Income, core operating earnings (non-GAAP) non-GAAP | $7.57M | Q2 FY2026 | — |
|
|
|||
GAAP → non-GAAP reconciliationGAAP GAAP net income reported above 8.22M
+0K Gain on termination of derivative instruments
+0K Accelerated debt issuance costs on long-term debt
-847K Gain on sale of minority interest
+195K Income tax benefit associated with non-GAAP adjustments
= Adjusted Net Income, core operating earnings (non-GAAP) 7.57M
|
|||
| Adjusted Pre-tax pre-provision income non-GAAP | $18.52M | Six Months Ended June 30, 2026 | — |
|
|
|||
| Adjusted Return on average assets (non-GAAP core operating earnings) non-GAAP | 1.33% | Six Months Ended June 30, 2026 | — |
|
|
|||
| Adjusted Return on average assets (non-GAAP pre-tax pre-provision) non-GAAP | 1.29% | Six Months Ended June 30, 2026 | — |
|
|
|||
| Adjusted Return on average equity (non-GAAP core operating earnings) non-GAAP | 10.93% | Six Months Ended June 30, 2026 | — |
|
|
|||
| Allowance for credit losses to nonperforming loans | 168.64% | Q2 FY2026 | — |
| Commercial real estate and construction loans to total risk-based capital | 287% | June 30, 2026 | — |
| Commercial real estate loans | $962.3M | June 30, 2026 | — |
| Commercial real estate loans to total risk-based capital concentration | 287% | at June 30, 2026 | — |
| Common equity tier 1 risk-based capital ratio | 15.41% | at June 30, 2026 | — |
| Core deposits | $1.81B | at June 30, 2026 | — |
| Core operating earnings (non-GAAP) non-GAAP | $7.6M | the quarter ended June 30, 2026 | — |
| Cost of deposits | 2.4% | the quarter ended June 30, 2026 | — |
|
|
|||
| Efficiency ratio | 49.71% | the second quarter of 2026 | — |
|
|
|||
| Full-time equivalent employees | 135 | At June 30, 2026 | — |
| Loan originations | $36.6M | the second quarter of 2026 | — |
|
|
|||
| Loan originations weighted average rate | 7.32% | the second quarter of 2026 | — |
| Loan renewal weighted average rate | 6.81% | the second quarter of 2026 | — |
| Loan renewals | $29.2M | the second quarter of 2026 | — |
|
|
|||
| Loans past due 30 days or more | $2.3M | at June 30, 2026 | — |
| Net interest margin | 3.53% | the quarter ended June 30, 2026 | — |
|
|
|||
| Net interest margin (excluding loan prepayment fees) | 3.35% | the second quarter of 2026 | — |
| Noninterest-bearing deposits | $415.3M | at June 30, 2026 | — |
| Nonperforming loans | $11.4M | June 30, 2026 | — |
| Nonperforming loans to total assets | 0.48% | June 30, 2026 | — |
| Return on average assets | 1.48% | the quarter ended June 30, 2026 | — |
| Return on average equity | 12.5% | the quarter ended June 30, 2026 | — |
| Tangible book value per common share (non-GAAP) non-GAAP | $14.31 | Q2 FY2026 | — |
| Tangible book value per common share, excluding AOCI (non-GAAP) non-GAAP | $15.4 | Q2 FY2026 | — |
| Tangible book value per share (non-GAAP) non-GAAP | $14.31 | at June 30, 2026 | — |
| Tangible Common Equity (non-GAAP) non-GAAP | $258.1M | Q2 FY2026 | — |
| Tangible Common Equity excluding AOCI (non-GAAP) non-GAAP | $277.82M | Q2 FY2026 | — |
| Tangible common equity to tangible assets ratio (Bank) | 11.52% | at June 30, 2026 | — |
| Tier 1 leverage ratio | 12.94% | at June 30, 2026 | — |
| Total risk-based capital to risk-weighted assets (Bank) | 16.43% | at June 30, 2026 | — |
| Warehouse lending facility balance | $67.3M | at June 30, 2026 | — |
| Warehouse lending facility weighted average yield | 5.72% | at June 30, 2026 | — |
| Wholesale deposits | $241.2M | at June 30, 2026 | — |
| ACM loan originations increase | 68% | Q1 FY2026 | — |
| Allowance for credit losses to total loans, net of fees | 1% | March 31, 2026 | — |
| Common equity tier 1 capital (to risk weighted assets) | 14.83% | March 31, 2026 | — |
| Construction loans | $157.3M | Q1 FY2026 | — |
| Construction loans to total risk-based capital | 52% | Q1 FY2026 | — |
| Core deposits growth since March 31, 2025 | 7% | Q1 FY2026 | — |
| Cost of funds | 2.61% | Q1 FY2026 | — |
|
|
|||
| CRE loans | $1B | Q1 FY2026 | — |
| CRE loans to total risk-based capital | 306% | Q1 FY2026 | — |
| Efficiency | 53.98% | Three Months Ended March 31, 2026 | — |
| Loans secured by multi-family properties | $178.7M | Q1 FY2026 | — |
| Loans secured by office properties | $160.9M | Q1 FY2026 | — |
| Loans secured by retail properties | $212M | Q1 FY2026 | — |
| Pre-tax pre-provision operating income (non-GAAP) non-GAAP | $8.7M | quarter ended March 31, 2026 | — |
| Tangible book value (non-GAAP) non-GAAP | $14.06 | March 31, 2026 | — |
| Tangible book value per share, excluding accumulated other comprehensive loss (non-GAAP) non-GAAP | $15.1 | March 31, 2026 | — |
| Tangible book value, excluding accumulated other comprehensive losses (non-GAAP) non-GAAP | $15.1 | March 31, 2026 | — |
| Tangible common equity to tangible assets ratio | 11.33% | March 31, 2026 | — |
| Total risk-based capital to risk-weighted assets | 15.86% | March 31, 2026 | — |
| Watch list loans | $59.5M | March 31, 2026 | — |
| Yield on loans | 5.88% | Q1 FY2026 | — |
|
|
|||
| Adjusted Earnings per share - basic (non-GAAP pre-tax pre-provision) non-GAAP | $1.64 | Year Ended December 31, 2025 | — |
| Adjusted Net Income, core bank operating earnings non-GAAP | $21.99M | Year Ended December 31, 2025 | — |
| Adjusted Net Income, core operating earnings non-GAAP | $5.7M | Three Months Ended December 31, 2025 | — |
| Core deposits growth since 2024 year end | 6% | since the 2024 year end | — |
| Full-service offices | 8 | as of filing | — |
| Tangible book value per common share non-GAAP | $13.74 | December 31, 2025 | — |
| Tangible book value per common share, excluding AOCI non-GAAP | $14.83 | December 31, 2025 | — |
| Tangible Common Equity non-GAAP | $246.31M | December 31, 2025 | — |
| Tangible Common Equity excluding AOCI non-GAAP | $265.89M | December 31, 2025 | — |
| Yield on earning assets | 5.55% | the three months ended December 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FVCB
this stock
FVCBankcorp, Inc.
|
$330.39M | +31.3% | +13.9% | — | 1.9% |
|
MFG
Mizuho Financial Group Inc
|
$126.83B | +45.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$115.38B | -36.8% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$107.15B | +0.3% | — | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$106.80B | +26.1% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Performance
Raw-price comparisons begin at the captured split on Feb 1, 2023; windows that need an earlier baseline remain unavailable.
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FVCB | -1.7% | -1.7% | +22.0% | -1.7% | +31.3% |
| SPY | +0.5% | +3.0% | +13.4% | +3.0% | +12.8% |
| vs SPY | -2.1% | -4.7% | +8.5% | -4.7% | +18.5% |
Capital returns
Latest dividend
$0.07
/ share · ex Jul 27, 2026
Paid (TTM)
$0.26
/ share · 4 payouts
Dividend yield (TTM, derived)
1.42%
Buyback program
· as of Mar 31, 2025
Authorized
shares 1.30M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.