Filing Flows › FVCBankcorp (FVCB) › Q3 2025
FVCBankcorp (FVCB) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 12, 2025
FVCBankcorp (FVCB) reported revenue of $17.1M for the third quarter 2025 (Q3 2025), +11% from a year earlier and +1% from the quarter before. Operating margin was 42.3%, net earnings $5.6M (32.7% of revenue).
FVCBankcorp, Q3 2025: revenue $17.1M (+11% year over year), operating margin 42.3%, net earnings $5.6M, operating cash flow $7.6M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $17.1M | +1% | +11% |
| Operating profit | $7.2M | -0.2% | +20% |
| Net earnings | $5.6M | -2% | +19% |
| Operating cash flow | $7.6M | +130% | +62% |
| Free cash flow | $7.6M | +131% | +64% |
What changed
Revenue was $17.1M in Q3 2025, up 11% year over year and up 1% from the previous quarter.
Operating profit was $7.2M, a 42.3% margin (up 3.2 points year over year). Of the extra revenue versus a year earlier, 73% reached operating profit, above the 39% margin then. Total costs grew 5% against revenue growth of 11%. The fastest-growing cost line was Credit loss provision (+84%). Net earnings were $5.6M, up 19% year over year. The effective tax rate was 22.7%.
Operating cash flow was $7.6M (up 62% year over year), 136% of net earnings. Non-cash charges added back $82K of depreciation and amortization and $206K of share-based compensation. Working capital and other items added $1.7M. Capital expenditures of $1K left free cash flow of $7.6M.
Questions
What was FVCBankcorp's revenue in the third quarter 2025?
FVCBankcorp (FVCB) reported revenue of $17.1M for the third quarter 2025 (Q3 2025), +11% from a year earlier and +1% from the quarter before.
Was FVCBankcorp profitable in the third quarter 2025?
Operating profit was $7.2M (42.3% of revenue) and net earnings $5.6M.
Source: FVCBankcorp 10-Q on SEC EDGAR.