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FVCBankcorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$5.8M in Q3 2026 · $29.9M over twelve months

Operating cash flow$5.8M
Capital spending−$30K
Free cash flow+$5.8M
Cash / net income0.9×

Analysis

In Q3 2026, FVCBankcorp generated $5.8M of operating cash flow and spent $30K on capital projects, leaving free cash flow of $5.8M. That is $1.8M less than in Q3 2025 ($7.6M).

Over the twelve months to Sep 30, 2026, operating cash flow was $30.0M; the largest uses were other financing ($25.9M), dividends ($4.7M), other investing ($4.3M); besides operations, cash came from shares issued ($1.2M); the cash balance fell by $8.0M.

Operating cash flow was $5.8M against net income of $6.6M — 0.9× profit, less cash than reported earnings, worth checking against working capital. The largest differences: prepaid and other assets −$1.2M, other liabilities +$718K, gains on investments +$403K.

Free cash flow

FVCBankcorp: free cash flow by quarterFVCBankcorp: free cash flow by quarter$4.8MQ4 2024$5.4MQ1 2025$3.3MQ2 2025$7.6MQ3 2025$7.6MQ4 2025$7.6MQ1 2026$8.9MQ2 2026$5.8MQ3 2026
Operating cash flow less capital spending.
FVCBankcorp: operating cash flow against capital spendingFVCBankcorp: operating cash flow against capital spendingOperating cash flowCapital spending$4.8M$16KQ4 2024$5.4M$16KQ1 2025$3.3M$13KQ2 2025$7.6M$1KQ3 2025$7.6M$17KQ4 2025$7.6M$12KQ1 2026$8.9M$14KQ2 2026$5.8M$30KQ3 2026
Latest (Q3 2026): Operating cash flow $5.8M, Capital spending $30K.

Capital allocation, year by year

FVCBankcorp: where the cash came from (up) and went (down), by fiscal yearFVCBankcorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedCapital spendingBuybacksDividendsFY2021: Operating cash flow $19.4MFY2021: Shares issued $1.2MFY2021: Capital spending −$485K$20.7MFY2021FY2022: Operating cash flow $22.4MFY2022: Shares issued $1.7MFY2022: Capital spending −$166KFY2022: Buybacks −$730K$24.1MFY2022FY2023: Operating cash flow $16.3MFY2023: Shares issued $1.7MFY2023: Capital spending −$212KFY2023: Buybacks −$1.5M$18.0MFY2023FY2024: Operating cash flow $18.2MFY2024: Shares issued $1.7MFY2024: Capital spending −$141K$19.9MFY2024FY2025: Operating cash flow $23.9MFY2025: Shares issued $545KFY2025: Capital spending −$47KFY2025: Buybacks −$6.7MFY2025: Dividends −$2.2M$24.4MFY2025
Over these 5 years operating cash flow totalled $100M; the largest uses were buybacks ($8.9M) and dividends ($2.2M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$6.9M
Debtnone
Net cash$6.9M

FVCBankcorp funds itself: free cash flow was $29.9M over the last twelve months, with $6.9M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

FVCBankcorp: sources (+) and uses (−) of cash, Q3 2026FVCBankcorp: sources (+) and uses (−) of cash, Q3 2026Other financing−$55.2MOther investing$45.4MOperating cash flow$5.8MCash drawn (+) / kept (−)$5.3MDividends−$1.3MNet borrowing (+) / repaid (−)−$81KCapital spending−$30KTaxes on employees’ shares−$1K
FVCBankcorp: sources (+) and uses (−) of cash, TTM to Q3 2026FVCBankcorp: sources (+) and uses (−) of cash, 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 profit to cash

FVCBankcorp: net income to operating cash flow, Q3 2026FVCBankcorp: net income to operating cash flow, Q3 2026Net income$6.6MDepreciation & amortization$59KStock-based pay$256KGains on investments$403KPrepaid and other assets−$1.2MOther liabilities$718KOperating cash flow$5.8M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$5.8M−$30K—−$1.3M−$81K—$5.3M$5.8M
Q2 2026$8.9M−$14K—−$1.3M−$519K$844K−$2.8M$8.9M
Q1 2026$7.6M−$12K—−$1.1M$25.0M$348K−$3.8M$7.6M
Q4 2025$7.6M−$17K−$2.0M−$1.1M—$4K$9.2M$7.6M
Q3 2025$7.6M−$1K—−$1.1M—$305K−$291K$7.6M
Q2 2025$3.3M−$13K———−$1K−$1.7M$3.3M
Q1 2025$5.4M−$16K———$237K−$4.8M$5.4M
Q4 2024$4.8M−$16K————$1.9M$4.8M

FVCBankcorp: income statement and cash flow

FVCBankcorp, Q3 2026: revenue $18.7M (+15% year over year), operating margin 45.8%. The chart follows the revenue to costs, profit and cash.

FVCBankcorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.