FVCBankcorp Q4 net income $5.6M, $0.31 EPS; full-year net income up 46% to $22.1M

FVCBankcorp, Inc.

2025-FY EPS reported $1.21 revenue$1,781,000

Q4 net income $5.6M ($0.31 diluted EPS) vs $4.9M ($0.26) in Q4 2024; full-year net income $22.1M ($1.21 EPS) up 46%.
Net interest margin reached 3.05% in Q4 2025, eighth consecutive quarterly improvement, up 28 bps YoY.
Deposits grew 7% to $2.00B; loans up 4% to $1.94B; nonperforming loans fell 15% to $10.9M.
Declared Q1 2026 cash dividend of $0.06/share, payable Feb 17, 2026 to holders of record Jan 26, 2026.
Pre-tax pre-provision operating income (non-GAAP) rose 32% YoY to $8.4M in Q4 2025.

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