secwatch.observer — SEC 8-K summary
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Issuer:     FVCBankcorp, Inc. (FVCB)
CIK:        0001675644
Form:       8-K
Filed at:   2026-01-20T23:59:59+00:00
Accession:  0001675644-26-000002
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1675644/000167564426000002/0001675644-26-000002-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1675644/000167564426000002/fvcb-20260120.htm
  HTML page:      https://secwatch.observer/filing/0001675644-26-000002

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