FVCBankcorp (FVCB)
Runs FVCbank for commercial clients across the Washington and Baltimore corridor.
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Runs a Virginia-chartered community bank focused on commercial borrowers, deposits, treasury services, and digital banking. The model is concentrated in the Washington and Baltimore corridor, with relationship lending, local management, commercial real estate exposure, rate spreads, and bank regulation shaping results.
Operates through FVCbank, a Virginia-chartered community bank serving commercial businesses, nonprofits, professional firms, owners, and employees. Products include deposits, commercial real estate and construction loans, commercial working-capital and equipment loans, government-contract financing, SBA lending, treasury management, digital banking, merchant services, credit cards, and access to business insurance.
Focuses on the greater Washington, D.C. and Baltimore metropolitan areas, including Northern Virginia, Washington, D.C., Maryland suburbs, and Baltimore. The model leans on relationship banking, local ownership and management, and deposit relationships that influence loan decisions and pricing.
Net interest income depends on loan and securities yields versus deposit and borrowing costs. Loan exposure is concentrated in the same regional footprint and in commercial real estate, while cannabis-related banking requires onboarding, license checks, monitoring, and Bank Secrecy Act compliance.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| May 4, 2026 | Piper Sandler | Reiterate | Rating: —Target: $18 | Target: $19 |
| Feb 12, 2026 | Piper Sandler | Reiterate | Rating: —Target: — | Target: $18 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $12.2M · Total debt $30.2M · Total assets $2.37B · Shareholders' equity $265.4M
- Revenue
- $3.0M
- Operating income
- $10.5M
- Net income
- $8.2M
HistoryDividendAnnual yield
| Institutions | ≈ 52.77% | 9.52M shares | |
|---|---|---|---|
| 121 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 10.29% | 1.86M shares | |
| 16 holders · as of Aug 25, 2026 | |||
| Other | ≈ 36.94% | 6.66M shares | |
| remainder | |||
18.03M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Fourthstone LLCInstitution | 7.07% | 1.28M | filed May 15, 2026 |
BlackRock, Inc.Institution | 6.04% | 1.09M | as of Jun 30, 2026 |
AllianceBernstein L.P.Institution | 3.85% | 693,941 | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 3.70% | 666,910 | as of Jun 30, 2026 |
David W. PijorInsiderdirector, officer: Chairman & CEO | 3.38% | 609,726 | filed Apr 23, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 24, 2026 | Sharon L. Jackson | officer: EVP, Chief Banking Officer | −1,400 | $18.62 |
| Aug 21, 2026 | Scott Laughlin | director | −8,100 | $18.55 |
| May 1, 2026 | Sharon L. Jackson | officer: EVP, Chief Banking Officer | −1,500 | $15.64 |
| Mar 17, 2026 | Phillip R. III Wills | director | −11,462 | $14.81 |
| Feb 26, 2026 | Lawrence W. Schwartz | director | −42,966 | $15.66 |
- Capital One
Dominant local large-bank rival in deposits, cards, and business banking
- Bank of America
National rival across business deposits, treasury, cards, and lending
- Truist Financial
Regional-bank rival in Mid-Atlantic commercial banking and treasury
- PNC Financial Services Group
Mid-Atlantic super-regional rival in deposits, lending, and treasury
- Wells Fargo
Large-bank rival in business lending, deposits, treasury, and CRE
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| FVCBankcorp | $17.71 | −2.07% | $325.4M | 12.7 | 11.1 | 3.4 | +29.8% |
| Capital One | $196.64 | −1.95% | $123.03B | 12.4 | 9.0 | 1.6 | +26.0% |
| Bank of America | $55.93 | −0.48% | $398.83B | 12.9 | 11.4 | 2.0 | +19.3% |
| Truist Financial | $47.40 | −1.40% | $59.89B | 11.4 | 10.1 | 2.0 | +6.5% |
| PNC Financial Services Group | $225.42 | −1.11% | $90.96B | 12.5 | 11.1 | 2.6 | +21.4% |
| Wells Fargo | $82.11 | −1.25% | $251.45B | 12.0 | 10.9 | 1.9 | +8.6% |
| Median | 12.4 | 10.9 | 2.0 | +19.3% |