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FVCBankcorp (FVCB) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · FVCBankcorp (FVCB) Q3 2026 earnings results →

Q3 2026 Revenue up 15% year over year to $18.7M · 36¢ of every $1 of revenue kept as net profit · operating margin 45.8%

FVCBankcorp made $18.7M in Q3 2026 (+15% Y/Y). Operating margin 45.8%, net earnings $6.6M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.

Revenue$18.7M
Year over year+15%
Operating margin45.8%
Net earnings$6.6M
Operating cash flow$5.8M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $18.7M in Q3 2026, up 15% year over year and down 11% from the previous quarter.

Operating profit was $8.6M, a 45.8% margin (up 1.6 points year over year). Of the extra revenue versus Q3 2025, 57% reached operating profit, above the 44% margin then. Total costs grew 11% against revenue growth of 15%. Net earnings were $6.6M, up 19% year over year. The effective tax rate was 22.5%.

Operating cash flow was $5.8M (down 23% year over year), 87% of net earnings. Non-cash charges added back $59K of depreciation and amortization and $256K of share-based compensation. Working capital and other items used $1.1M. Capital expenditures of $30K left free cash flow of $5.8M.

Quarterly history

FVCBankcorp revenue by quarterFVCBankcorp revenue by quarter$15.7MQ1 2025$16.8MQ2 2025$17.1MQ3 2025$17.9MQ4 2025$18.4MQ1 2026$21.1MQ2 2026$18.7MQ3 2026
FVCBankcorp net earnings by quarterFVCBankcorp net earnings by quarter$5.2MQ1 2025$5.7MQ2 2025$5.6MQ3 2025$5.6MQ4 2025$6.4MQ1 2026$8.2MQ2 2026$6.6MQ3 2026
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 5, 2026$18.7M+15%45.8%$6.6M$5.8M
Q2 202610-QAug 6, 2026$21.1M+28%49.7%$8.2M$8.9M
Q1 202610-QMay 7, 2026$18.4M+17%44.9%$6.4M$7.6M
Q4 202510-KMar 16, 2026$17.9M+16%41.4%$5.6M$7.6M
Q3 202510-QNov 12, 2025$17.1M+11%42.3%$5.6M$7.6M
Q2 202510-QAug 13, 2025$16.8M+15%43.0%$5.7M$3.3M
Q1 202510-QMay 14, 2025$15.7M+19%40.8%$5.2M$5.4M

Charts

FVCBankcorp: revenue growth, year over year and quarter over quarterFVCBankcorp: revenue growth, year over year and quarter over quarterY/YQ/Q+19%Q1 2025+15%+7%Q2 2025+11%+1%Q3 2025+16%+5%Q4 2025+17%+3%Q1 2026+28%+15%Q2 2026+15%-11%Q3 2026
Latest (Q3 2026): Y/Y +15%, Q/Q -11%.
FVCBankcorp: where the cash came from (+) and went (−), TTM to Q3 2026FVCBankcorp: where the cash came from (+) and went (−), TTM to Q3 2026Operating cash flow$30.0MOther financing−$25.9MCash drawn (+) / kept (−)$8.0MDividends−$4.7MOther investing−$4.3MBuybacks−$4.1MShares issued$1.2MCapital spending−$73KTaxes on employees’ shares−$46K
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
FVCBankcorp: profit against cash, quarter by quarterFVCBankcorp: profit against cash, quarter by quarterNet incomeOperating cash flow$4.9M$4.8MQ4 2024$5.2M$5.4MQ1 2025$5.7M$3.3MQ2 2025$5.6M$7.6MQ3 2025$5.6M$7.6MQ4 2025$6.4M$7.6MQ1 2026$8.2M$8.9MQ2 2026$6.6M$5.8MQ3 2026
Latest (Q3 2026): Net income $6.6M, Operating cash flow $5.8M.
FVCBankcorp: diluted shares by fiscal yearFVCBankcorp: diluted shares by fiscal year0MFY20200MFY20210MFY202218MFY202318MFY202418MFY2025
+129092.0% since FY2020: more shares outstanding (issuance, stock pay).
FVCBankcorp in its industry: growth against margin (133 companies, SIC 6022)FVCBankcorp in its industry: growth against margin (133 companies, SIC 6022)revenue growth, year over year →↑ operating marginmedian +9%median 40%BNYSTTFITBMTBFCNCAALLYCFGNTRSWALBPOPEWBCWTFCCOLBSSBCBSHASBHWCAUBGBCIUBSIABCBHTHHOMBUCBRNSTFBPCATYFIBKCUBIFHBIBOCMBINSBCFBOHCVBFBUSEEFSCOFGLOBFBKFFINSFBSMCHBCCBFBNCGABCBYSYBTPEBOTCBKOBKSTBAFMBHRBCAACNOBAMALMCBQCRHOSBCFMNBBFSTUVSPTMPCCNEMSBIHBTEQBKCTBICPFTHFFMPBSBSIMBWMLKFNIBCPEGBNSPFIWASHCCBGCOFSCWBCHBIAACNBGSBCFSBCTRSTCIVBFCBCMCBSFBIZINBKBWBCBANMVBFBSRRCZNCCFFIRBBISTRUNTYBWFGBMRCRRBIPCBFCBMCHMGCZFSNWFLWTBAMYFWAVBHOPBKUSCBFCCOEBMTCOSOFXNCPKBKISBAPEBKBPRNBRBSHNVRMNSBCCFNSBFGJMSBBOTJNWPPFUSBAUBNJUVFFVCB (+15%, 46%)
State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

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💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About FVCBankcorp

The Company is a registered bank holding company headquartered in Fairfax, Virginia. We operate primarily through our sole subsidiary, FVCbank (the "Bank"), a community oriented, locally-owned and managed commercial bank organized under the laws of the Commonwealth of Virginia. We serve the banking needs of commercial businesses, nonprofit organizations, professional service entities, and their respective owners and employees located in the greater Washington, D.C. and Baltimore metropolitan areas. The Company was established as the holding company for the Bank in 2015.

In its own words, from its 10-K, filed Mar 16, 2026.

FVCBankcorp against its State Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +15% against the peers' median +12%. Operating margin: 45.8% against the peers' median 34.7%.

CompanyQuarterRevenueY/YOp. margin
FVCB FVCBankcorpQ3 2026$18.7M+15%45.8%
BNY Bank of New York MellonQ3 2026$5.7B+12%38.5%
STT State StreetQ3 2026$4.0B+13%34.7%
FITB Fifth Third BancorpQ3 2026$3.3B+42%33.8%
MTB M&T BankQ3 2026$2.5B+0.9%39.7%
FCNCA First Citizens BancsharesQ3 2026$2.4B0%33.1%
ALLY Ally FinancialQ3 2026$2.3B+8%24.3%
CFG Citizens Financial GroupQ3 2026$2.3B+10%34.6%
NTRS Northern TrustQ3 2026$2.3B+13%34.7%

Source: FVCBankcorp 10-Q on SEC EDGAR · CIK 1675644 · State Commercial Banks

Guidance and outlook

FVCBankcorp: what its forward-looking statements are about (10-Q filed 2026-11-05)FVCBankcorp: what its forward-looking statements are about (10-Q filed 2026-11-05)Other10Financing3The economy2Deals1Costs1Legal & regulation1
18 statements; tone -0.22 (−1 all cautious, +1 all confident); 5 hedged.
FVCBankcorp: outlook statements against the filing beforeFVCBankcorp: outlook statements against the filing beforeConfident2Cautious6

13F: who owns FVCB and who is buying

Largest holders of FVCB (13F)Largest holders of FVCB (13F)BlackRock$19.1MVanguard Group$12.1MVanguard Capital Management LLC$11.7MAlliancebernstein L.P.$10.5MAcadian Asset Management LLC$8.6MAtegra Capital Management, LLC$7.6MDimensional Fund Advisors LP$7.3MGeode Capital Management, LLC$6.7MState Street$6.6MRenaissance Technologies LLC$5.7M
Funds' net buying of FVCB by quarter (13F)Funds' net buying of FVCB by quarter (13F)$4.6M2024-09−$1.4M2024-12$2.1M2025-03−$4.3M2025-06$4.7M2025-09−$3.0M2025-12$2.2M2026-03$10.5M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on FVCB

History

Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results

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