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what it is
FVCB is a community bank that lends to local businesses around Washington, Baltimore, and Northern Virginia through 8 offices.
how it gets paid
Last year Fvcbankcorp made $2M in revenue. commercial lending was the main engine at $0.9M, or 45% of sales.
why it's growing
Revenue grew 13.9% last year. $0.82 matters because it shows 2024 was a real earnings recovery year after the 2023 drop to $0.21.
what just happened
The key takeaway: EPS rebounded to $0.82 for 2024 after collapsing to $0.21 in 2023.
At a glance
B balance sheet — gets the job done, barely
35/100 earnings predictability — expect surprises
12.3x trailing p/e — the market's not buying it — or you found a deal
1.6% dividend yield — cash in your pocket every quarter
$0.82 fy2024 eps est
xvary composite: 60/100 — average
What they do
FVCB is a community bank that lends to local businesses around Washington, Baltimore, and Northern Virginia through 8 offices.
This bank wins the old-fashioned way: local business relationships in a dense, wealthy corridor. It serves the Baltimore-Washington market with 8 full-service offices and $2.32 billion in assets, which matters when your customer wants a lender who knows the building, the borrower, and the lawyer. Community banking (local lending and deposits) → face-to-face money decisions → so what: your customers are stickier when trust beats a slick app.
How they make money
$2M
annual revenue · their business grew +13.9% last year
commercial lending
$0.9M
deposit services
$0.5M
treasury and digital banking
$0.2M
mortgage-related income
$0.2M
other banking services
$0.2M
The products that matter
business lending
Commercial & Industrial Loans
core lending activity
This is one of the engines that turns a $2.3B asset base into earnings. The snapshot does not break out balances here, so what matters most is credit quality, not storytelling.
local business exposure
property lending
Commercial Real Estate Loans
~40% of loan book
This is the concentration that matters. Roughly 40% of loans tied to commercial real estate in the D.C. metro area means one pocket of weakness can hit more than one part of the bank at once.
biggest credit watch
deposit gathering
Digital Banking Services
funding engine
For a $2.3B asset bank, deposits are the fuel. Checking, savings, and online banking matter because cheaper funding makes every good loan more profitable.
margin support
Key numbers
$69M
long-term debt
Debt → borrowed money on the balance sheet → so what: at 21% of capital, leverage looks usable, not reckless.
12.3x
trailing p/e
P/E → stock price divided by yearly profit → so what: you are paying 12.3 times earnings for a bank that just recovered from a bad 2023.
$2.32B
asset base
Assets → the loans and bank resources generating income → so what: this is a real local lender, not a tiny shell bank.
$0.82
2024 EPS
EPS → profit per share → so what: earnings rebounded from $0.21 in 2023 to $0.82 in 2024, a sharp reset.
Financial health
B
strength
- balance sheet grade B — adequate — nothing special
- risk rank 2 — safer than 80% of stocks
- price stability 50 / 100
- long-term debt $69M (21% of capital)
B — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for FVCB right now.
source: institutional data · return history unavailable
What just happened
beat estimates
The key takeaway: EPS rebounded to $0.82 for 2024 after collapsing to $0.21 in 2023.
Quarterly earnings improved through 2024, with Q4 EPS at $0.26 versus a loss of $0.28 in Q4 2023. Latest quarterly revenue was $1 million, up 186% vs. prior year, based on the company report data provided.
$1M
revenue
$0.90
eps
n/a
n/a
the number that mattered
$0.82 matters because it shows 2024 was a real earnings recovery year after the 2023 drop to $0.21.
source: company earnings report, 2026
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What could go wrong
the top risk is d.c.-area commercial real estate credit stress.
high
Commercial real estate concentration
Roughly 40% of the loan portfolio sits in commercial real estate, concentrated in the D.C. metro area. That is the opposite of broad diversification.
If that book weakens, the hit lands on credit quality, capital, and investor confidence at the same time.
med
Debt-funded buybacks
The bank issued $25M in senior debt at 6.75% in February 2026, partly to fund share repurchases. Buybacks are great when the stock is cheap and the loan book is clean. They are less charming when credit costs rise.
That debt adds about $1.7M of annual interest expense. Against quarterly net income of $5.6M, it matters.
med
Low earnings predictability
The earnings predictability score is 35/100. In plain English: quarterly numbers are not stable enough to treat this like a sleepy bank you can ignore.
Volatile earnings make valuation harder and reduce the margin for error on a leveraged capital return plan.
Between the 40% commercial real estate concentration and roughly $1.7M of added annual interest from the new debt, this stock needs clean credit more than it needs a higher multiple.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings
Q1 2026 earnings report
Estimated report date is April 28, 2026. You want to see whether net interest income holds up and whether credit costs stay quiet.
capital allocation
buyback pace after the new debt
The quarter already included $6.6M of repurchases, and the broader program is tied to the new $25M financing. If buybacks slow, you lose part of the thesis.
credit
commercial real estate performance
With about 40% of loans in commercial real estate, this is the part of the book that can change the story fastest.
profit quality
earnings stability
The predictability score is 35/100. You are looking for fewer surprises, because leverage plus volatile earnings is how average ideas become bad ones.
Analyst rankings
earnings predictability
35 / 100
In human-speak: the earnings line is jumpy, so you should expect more noise than you get from a steadier regional bank.
risk rank
2
This scores safer than 80% of stocks. That's helpful, but it does not cancel out a concentrated loan book.
source: institutional data
Institutional activity
institutional ownership data for FVCB is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$14
current price
n/a
target midpoint · n/a from current
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