FVCB FINANCIAL STATEMENTS

FVCBankcorp Inc — balance sheet, income statement and cash flow trends

FVCBFVCBankcorp Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue122.7 M $+8.5%

Gross Profit67.6 M $+21.4%

Operating Income30.1 M $+24.8%

EBITDA30.4 M $+23.9%

Net Income23.3 M $+23.2%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
FVCB	—	—	—	19.0%
ISBTR	—	—	—	28.1%
ICBCT	—	—	—	24.7%
TSKB	—	—	—	54.9%
NWG	—	—	—	20.1%
LLOY	—	—	—	25.9%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity260.3 M $11%
Current Liabilities6.1 M $0%
Long-term Liabilities2.1 B $89%

Key Figures

YoY change

Total Assets2.3 B $+4.2%

Total Liabilities2.1 B $+3.8%

Total Equity260.3 M $+7.4%

Cash & ST Investments9.4 M $-96.7%

Total Debt30.5 M $+17.5%

Net Debt21.1 M $—

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
FVCB	3.28	11.7%	0.69	11.1%
ISBTR	—	0.0%	-28.33	8.5%
ICBCT	—	0.0%	-20.34	4.0%
TSKB	—	0.0%	-0.47	13.4%
NWG	0.25	17.0%	-14.68	5.2%
LLOY	0.12	209.8%	5.39	5.0%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
FVCB	3.28	11.7%	0.69	11.1%
JMSB	0.12	31.9%	-4.56	11.4%
FCCO	0.35	53.1%	2.28	9.2%
FDBC	0.13	6.4%	-7.75	8.6%
MYFW	0.11	34.7%	-9.28	8.4%
FSBW	13.98	70.9%	3.80	9.8%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow26.1 M $+58.0%

Capital Expenditures43 K $-69.9%

Free Cash Flow26 M $+59.2%

Dividends Paid-3.2 M $—

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
FVCB	21.3%	21.2%	0.0%	112.0%
ISBTR	28.1%	-3.3%	31.4%	100.0%
ICBCT	24.7%	29.9%	5.1%	100.0%
TSKB	54.9%	71.9%	17.0%	100.0%
NWG	—	—	0.0%	—
LLOY	—	—	0.0%	—
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
FVCB	21.3%	21.2%	0.0%	112.0%
JMSB	20.7%	20.5%	0.2%	107.2%
FCCO	8.6%	7.7%	0.9%	47.6%
FDBC	26.9%	15.4%	11.5%	128.9%
MYFW	2.9%	1.0%	1.9%	35.8%
FSBW	33.0%	23.8%	9.2%	219.7%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.