FVCB Q3 net income rises 19% YoY to $6.6M, EPS $0.37; NIM 3.32%

FVCBankcorp, Inc.

Q3 net income $6.6M, up 19% YoY from $5.6M; diluted EPS $0.37 vs $0.31 (+20%). Nine-month net income $21.2M (+29%) and EPS $1.17 (+30%).
Net interest margin 3.32%, up 41 bp YoY but down 21 bp from Q2's 3.53%; Q2 included $1.0M loan prepayment fees. Cost of funds fell to 2.42% from 2.78%.
Loans net of fees $1.91B, up 3% YoY and $14.6M QoQ; noninterest-bearing deposits $427.3M, up 14% YoY and 21% of total deposits. Watchlist loans fell 56% to $25.5M.
Net income fell 19% from Q2's $8.2M; noninterest income was $303K vs $1.0M a year ago, including a $403K loss on the Atlantic Coast Mortgage minority investment.
Board declared $0.07/share quarterly dividend payable Nov. 16, 2026 to holders of record Oct. 26; aggregate payout about $1.3M.

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