Financial Snapshot

Revenue
$1.186M
TTM
Gross Margin
Net Earnings
$5.093M
TTM
Current Assets
Current Liabilities
$24.51M
Q3 2024
Current Ratio
Total Assets
$2.293B
Q3 2024
Total Liabilities
$2.062B
Q3 2024
Book Value
$230.8M
Q3 2024
Cash
Q3 2024
P/E
50.01
Nov 29, 2024 EST
Free Cash Flow
$17.71M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016
Revenue $1.474M $1.432M $68.43M $67.10M $66.73M
YoY Change 2.93% -97.91% 1.97% 0.55%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016
Revenue $1.474M $1.432M $68.43M $67.10M $66.73M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $390.0K $424.0K $555.0K $615.0K $643.0K $620.0K $560.0K $540.0K
YoY Change -8.02% -23.6% -9.76% -4.35% 3.71% 10.71% 3.7%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016
Interest Expense $52.22M $15.44M $10.48M $14.48M $18.67M
YoY Change 238.25% 47.3% -27.63% -22.43%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016
Pretax Income $4.232M $30.99M $28.21M $19.66M $20.01M $13.11M $14.54M $10.50M
YoY Change -86.34% 9.86% 43.51% -1.77% 52.65% -9.83% 38.48%
Income Tax $410.0K $6.005M $6.276M $4.156M $4.184M $2.240M $4.810M $3.570M
% Of Pretax Income 9.69% 19.38% 22.25% 21.14% 20.91% 17.09% 33.08% 34.0%
Net Earnings $3.822M $24.98M $21.93M $15.50M $15.83M $10.87M $7.690M $6.930M
YoY Change -84.7% 13.91% 41.49% -2.07% 45.61% 41.35% 10.97%
Net Earnings / Revenue 259.29% 1744.69% 32.05% 23.1% 23.72%
Basic Earnings Per Share $0.22 $1.43 $1.61 $1.14 $1.15
Diluted Earnings Per Share $0.21 $1.352M $1.50 $1.10 $1.07 $847.9K $665.8K $634.6K

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $997.0K $1.220M $11.80M $12.80M $15.40M $2.300M $1.200M $1.300M
YoY Change -18.28% -89.66% -7.81% -16.88% 569.57% 91.67% -7.69%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $14.82M $18.53M $8.600M $8.600M $7.700M $8.600M $3.200M $4.400M
YoY Change -20.02% 115.5% 0.0% 11.69% -10.47% 168.75% -27.27%
Total Long-Term Assets
YoY Change
Total Assets $2.191B $2.344B $2.203B $1.822B $1.537B $1.352B $1.053B $909.3M
YoY Change
Accounts Payable $2.415M $1.269M $1.000M $700.0K $600.0K $800.0K $400.0K $200.0K
YoY Change 90.31% 26.9% 42.86% 16.67% -25.0% 100.0% 100.0%
Accrued Expenses $20.51M $25.94M $63.80M $29.70M $22.40M $5.600M $2.000M $2.100M
YoY Change -20.94% -59.34% 114.81% 32.59% 300.0% 180.0% -4.76%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $30.00M $0.00 $10.00M
YoY Change -100.0% -100.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $22.93M $27.21M $64.80M $30.40M $23.00M $6.400M $2.400M $2.300M
YoY Change -15.75% -58.0% 113.16% 32.17% 259.38% 166.67% 4.35%
Long-Term Debt $104.6M $284.6M $19.50M $44.10M $24.50M $24.40M $24.30M $24.20M
YoY Change -63.24% 1359.31% -55.78% 80.0% 0.41% 0.41% 0.41%
Other Long-Term Liabilities $23.53M $27.21M
YoY Change -13.54%
Total Long-Term Liabilities $128.1M $311.8M $19.50M $44.10M $24.50M $24.40M $24.30M $24.20M
YoY Change -58.9% 1498.86% -55.78% 80.0% 0.41% 0.41% 0.41%
Total Liabilities $1.973B $2.142B $1.993B $1.632B $1.358B $1.193B $954.9M $829.5M
YoY Change -7.87% 7.47% 22.13% 20.16% 13.83% 24.96% 15.12%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2023 2022 2021 2020 2019 2018 2017 2016
Basic Shares Outstanding 17.72K shares 17.43K shares 13.65K shares 13.54K shares 13.82K 11.72K
Diluted Shares Outstanding 18.23K shares 18.48K shares 14.58K shares 14.13K shares 14.83K
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $254.68 Million

About FVCBankcorp, Inc.

FVCBankcorp, Inc. operates as a bank holding company, which engages in the provision of commercial banking services. The company is headquartered in Fairfax, Virginia and currently employs 111 full-time employees. The company went IPO on 2013-06-28. The firm operates primarily through its subsidiary, FVCbank (the Bank), which is a community oriented, locally-owned and managed commercial bank. The company emphasizes providing commercial banking services to small and medium-sized businesses, professionals, non-profit organizations and associations, and investors living and working in and near its service area. The company offers retail banking services to accommodate the individual needs of both corporate customers as well as the communities it serves. The firm also offers online banking, mobile banking and a remote deposit service. The firm provides a variety of lending products to small and medium-sized businesses, including commercial real estate loans; commercial construction loans, and Small Business Administration (SBA) lending. Through third party networks, the Company offers its customers access to a full range of business insurance products and business and consumer credit card products.

Industry: State Commercial Banks Peers: ACNB CORP CITIZENS FINANCIAL SERVICES INC PARKE BANCORP, INC. ORRSTOWN FINANCIAL SERVICES INC PNC FINANCIAL SERVICES GROUP, INC. USCB FINANCIAL HOLDINGS, INC. UNITY BANCORP INC /NJ/