Filing Flows › FVCBankcorp (FVCB) › Q4 2025
FVCBankcorp (FVCB) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 16, 2026
FVCBankcorp (FVCB) reported revenue of $17.9M for the fourth quarter 2025 (Q4 2025), +16% from a year earlier and +5% from the quarter before. Operating margin was 41.4%, net earnings $5.6M (31.6% of revenue).
FVCBankcorp, Q4 2025: revenue $17.9M (+16% year over year), operating margin 41.4%, net earnings $5.6M, operating cash flow $7.6M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $17.9M | +5% | +16% |
| Operating profit | $7.4M | +3% | +16% |
| Net earnings | $5.6M | +1% | +15% |
| Operating cash flow | $7.6M | +0.4% | +57% |
| Free cash flow | $7.6M | +0.1% | +57% |
What changed
Revenue was $17.9M in Q4 2025, up 16% year over year and up 5% from the previous quarter.
Operating profit was $7.4M, a 41.4% margin (unchanged year over year). Of the extra revenue versus a year earlier, 41% reached operating profit, above the 41% margin then. Total costs grew 16% against revenue growth of 16%. Net earnings were $5.6M, up 15% year over year. The effective tax rate was 23.7%.
Operating cash flow was $7.6M (up 57% year over year), 134% of net earnings. Non-cash charges added back $74K of depreciation and amortization and $215K of share-based compensation. Working capital and other items added $1.7M. Capital expenditures of $17K left free cash flow of $7.6M.
Questions
What was FVCBankcorp's revenue in the fourth quarter 2025?
FVCBankcorp (FVCB) reported revenue of $17.9M for the fourth quarter 2025 (Q4 2025), +16% from a year earlier and +5% from the quarter before.
Was FVCBankcorp profitable in the fourth quarter 2025?
Operating profit was $7.4M (41.4% of revenue) and net earnings $5.6M.
Source: FVCBankcorp 10-K on SEC EDGAR.