FVCBankcorp, Inc. (FVCB)

FVCBankcorp, Inc. reported a 5% increase in net income for Q1 2025 compared to Q4 2024, reaching $5.2 million, and a 15% year-over-year increase in net interest margin. For Q2 2025, FVCB reported its sixth consecutive quarter of improved earnings, with net income of $5.7 million, a 36% increase from Q2 2024. For Q3 2025, the company announced a 19% increase in quarterly net income to $5.6 million compared to Q3 2024, and a 61% increase in year-to-date net income, with diluted EPS for Q3 2025 rising by 24% to $0.31. On March 20, 2025, FVCBankcorp, Inc. announced the extension of its share repurchase program, allowing for the repurchase of up to 1,300,000 shares of its common stock, approximately 7% of its outstanding shares at December 31, 2024, expiring on March 31, 2026. The share price experienced a decline of 6.85% between October 14, 2024, and October 10, 2025. The board also declared a quarterly cash dividend of $0.06 per share payable on November 17, 2025, with an ex-dividend date of October 27, 2025.

The banking industry, including FVCBankcorp, Inc., experiences seasonal trends primarily driven by the monthly volume of new loans. Demand for loans is typically lowest in January and February, increases in March, and often peaks in August or September, before declining again towards December. This seasonality is influenced by changes in interest rates and tax planning activities.

FVCBankcorp, Inc. operates as the holding company for FVCbank, a Virginia-chartered commercial bank established in 2007, operating in the Finance sector and the Banks - Southeast industry. The company's business model emphasizes relationship-driven banking, catering to small and medium-sized businesses, professionals, non-profit organizations, associations, and investors. Major products and services include commercial banking (business checking and savings accounts, commercial loans, treasury management services, asset-based lending, accounts receivable financing, merchant services, and business insurance products), personal banking (checking and savings accounts, mortgage and home equity loans, personal loans, health savings accounts, retirement accounts, and consumer credit cards), and digital services (online banking, mobile banking, and remote deposit services).

FVCBankcorp, Inc. is headquartered in Fairfax, Virginia, and maintains full-service offices in several locations across Virginia, including Arlington, Fairfax, Manassas, Reston, and Springfield. Its presence also extends to Washington, D.C., and Maryland, with offices in Baltimore and Bethesda. The bank's primary service area encompasses the greater Washington, D.C. metropolitan and Northern Virginia area, and the greater Baltimore metropolitan area.

FVCBankcorp, Inc. has maintained a reputation for proactive engagement and customer support. A Virginia Supreme Court ruling in favor of FVCbank regarding equitable subrogation cases may influence banking law beyond the state. The company has also focused on enhancing its small business lending services by introducing a new digital tool, "Business Insights". FVCbank has also issued fraud alerts to protect its customers, demonstrating a commitment to security and customer awareness. The bank emphasizes a "high-touch, responsive, relationship-based client service" approach, aiming to blend technological upgrades with personalized expertise.

FVCBankcorp, Inc. has 192 institutional owners and shareholders holding a total of 9,707,691 shares. Major institutional shareholders include Endeavour Capital Advisors Inc, Alliancebernstein L.p., BlackRock, Inc., Vanguard Group Inc, Fourthstone LLC, FJ Capital Management LLC, VTSMX - Vanguard Total Stock Market Index Fund Investor Shares, IWM - iShares Russell 2000 ETF, Geode Capital Management, Llc, and State Street Corp. Individual investors account for approximately 16.64% of the share ownership.