secwatch.observer — SEC 8-K summary
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Issuer:     FVCBankcorp, Inc. (FVCB)
CIK:        0001675644
Form:       8-K
Filed at:   2026-04-21T23:59:59+00:00
Accession:  0001675644-26-000049
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

FVCBankcorp Q1 net income $6.4M (+24% YoY); EPS $0.35; dividend raised to $0.07
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- Net income $6.4M, up 24% YoY; diluted EPS $0.35 vs $0.28.
- Net interest margin improved to 3.26% (up 43 bps YoY); pre-tax pre-provision income $8.7M (+31%).
- Core deposits grew 3% QoQ to $1.77B; loans past due 30+ days down 59% to $3.3M.
- Redeemed $18.8M sub debt at SOFR+471bps; issued $25M senior notes at 6.75% fixed, due 2029.
- Quarterly dividend increased 17% to $0.07/share, payable May 18.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1675644/000167564426000049/0001675644-26-000049-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1675644/000167564426000049/fvcb-20260421.htm
  HTML page:      https://secwatch.observer/filing/0001675644-26-000049

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer