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FVCBankcorp
FVCBankcorp (FVCB) investor relations material
FVCBankcorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary20 Jan, 2026
Executive summary
Net income for Q4 2025 was $5.6 million, up 15% year-over-year; full-year net income reached $22.1 million, a 46% increase from 2024.
Diluted EPS for Q4 2025 was $0.31, up 19% year-over-year; full-year diluted EPS was $1.21, up from $0.82 in 2024.
Pre-tax pre-provision operating income grew 32% year-over-year in Q4 2025.
Net interest margin improved for the eighth consecutive quarter, reaching 3.05% in Q4 2025.
Deposits and loans grew 7% and 4% year-over-year, respectively, with a reduction in commercial real estate concentration.
Financial highlights
Net interest income for Q4 2025 was $16.9 million, up 13% year-over-year; full-year net interest income was $63.8 million, up 15%.
Noninterest income for Q4 2025 was $926 thousand, up 105% year-over-year; full-year noninterest income was $3.6 million, up 44%.
Noninterest expense for Q4 2025 was $9.5 million, up 6% year-over-year; full-year noninterest expense was $37.6 million, up 5%.
Efficiency ratio improved to 53.4% in Q4 2025 from 58.6% in Q4 2024; full-year efficiency ratio was 55.7%, down from 61.6%.
Return on average assets for Q4 2025 was 1.00%; return on average equity was 8.94%.
Outlook and guidance
Management expects continued improvement in loan yields due to scheduled repricings and new originations.
ACM’s acquisition of Tidewater Mortgage Services is expected to be immediately accretive in 2026.
Watch list loans: specific risks of 3 DC CRE loans
Expected NIM impact from loan repricing schedule
TMS acquisition: expected non-interest income impact
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Q4 2025 saw ramp-up delays, higher losses, and new funding to support 2026 production targets. - WOSG
Q3 sales growth and raised guidance driven by robust US demand and strategic expansion. - BOAT
Sales and profit dropped sharply, but cost cuts and new launches target future recovery. - HAPPYFORGE
Q1 FY25 delivered strong growth, robust margins, and disciplined capital deployment. - 2454
Record revenue growth driven by AI, data center, and connectivity, but margins declined. - DNB
Strong Q4: 16.6% ROE, NOK 18 dividend, robust capital, and record lending and fee growth. - SLEEP
Profitability held as B2B and MedTech growth offset sales decline; 2026 focuses on investment. - IFX
Q2 FY25 revenue up 5% sequentially, but FY25 outlook cut on tariffs and FX headwinds. - BOROUGE
FY2025 net profit hit $1.1B with 37% EBITDA margin, record sales, and major restructuring. - STST
Lower earnings and profit, but strong dividends and debt reduction support a positive outlook.
Next FVCBankcorp earnings date
Q1 202620 Apr, 2026
FVCBankcorp
Next FVCBankcorp earnings date
Q1 202620 Apr, 2026
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Frequently asked questions
FVCBankcorp, Inc. operates as the bank holding company for FVCbank, a commercial bank that offers a range of banking products and services. The company focuses on serving small to medium-sized businesses, professionals, non-profit organizations, associations, and investors primarily within Virginia. FVCBankcorp's offerings include various deposit products such as checking, savings, money market accounts, and certificates of deposit. It also provides lending services including commercial real estate loans, commercial construction loans, business loans, Small Business Administration (SBA) lending, and consumer loans. Additionally, the company offers online and mobile banking, credit cards, and merchant services. The company is headquartered in Fairfax, Virginia, and its shares are listed on the NASDAQ.
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