FVCBankcorp, Inc. (FVCB) Balance Sheet
FVCB balance sheet, 2025
December 31, 2025 · U.S. dollars$2.29B assets = $2.04B liabilities + $253.6M equity
Both columns are drawn to the same scale: what FVCB owns equals what it owes plus shareholders’ equity. Hover a block for its value.
FVCB financial health
Descriptive bands, not a rating. Fiscal 2025.
FVCB balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $909.3M2016 | $2.29B2025 | +10.8%/yr | |
| Total liabilities | $829.5M2016 | $2.04B2025 | +10.5%/yr | |
| Shareholders’ equity | $79.8M2016 | $253.6M2025 | +13.7%/yr | |
| Cash & short-term investments | $120.9M2016 | $127.6M2025 | +0.6%/yr | |
| Total debt | $51.2M2016 | $25.2M2025 | −7.6%/yr | |
| Net cash (debt) | $69.7M2016 | $102.4M2025 | +$32.7M | |
| Working capital | $766.8M2016 | −$1.86B2025 | −$2.6B | |
| Book value per share | $5.852016 | $13.892025 | +10.1%/yr | |
| Debt / equity | 0.642016 | 0.102025 | −0.54 | |
| Shares outstanding | 13.7M2016 | 18.3M2025 | +3.3%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
FVCB assets
FVCB liabilities and equity
FVCB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
FVCB balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $127.6M | $247.4M | −$8.0M | $359.6M | $598.6M | $267.2M | $174.5M | $167.0M | $138.5M | $120.9M |
| Cash & equivalents | $127.6M | $91.0M | −$8.0M | $81.6M | $241.0M | $141.1M | $33.1M | $43.5M | $22.6M | $8.7M |
| Short-term investments | $153.4M | $156.5M | $171.6M | $278.1M | $357.6M | $126.2M | $141.3M | $123.5M | $116.0M | $112.2M |
| Receivables | $10.3M | $10.3M | $10.3M | $9.4M | $8.1M | $9.1M | $4.1M | $4.0M | $3.0M | $2.5M |
| Inventory | $0 | $0 | −$2.3M | $183.8M | −$250.4M | −$154.7M | −$41.6M | $4.2M | $3.9M | $0 |
| Other current assets | $3.3M | $3.4M | $60.5M | $0 | $251.8M | $155.3M | $42.2M | $0 | $788.8M | $670.5M |
| Total current assets | $141.2M | $261.2M | $60.5M | $372.3M | $608.0M | $277.0M | $179.1M | $172.0M | $934.2M | $793.9M |
| Property, plant & equipment (net) | $6.8M | $8.0M | $997,000 | $10.9M | $11.8M | $12.8M | $15.4M | $2.3M | $1.2M | $1.3M |
| Goodwill & intangible assets | $7.3M | $7.4M | $14.7M | $7.8M | $8.1M | $8.4M | $8.7M | $8.4M | $99,000 | $119,000 |
| Long-term investments | $153.4M | $156.7M | $171.9M | $278.3M | $358.0M | $126.4M | $141.6M | $125.3M | $117.7M | $114.0M |
| Other non-current assets | $1.98B | $1.77B | $1.94B | $1.67B | $1.22B | $1.40B | $1.19B | $1.04B | $0 | $0 |
| Total assets | $2.29B | $2.20B | $2.19B | $2.34B | $2.20B | $1.82B | $1.54B | $1.35B | $1.05B | $909.3M |
| Liabilities | ||||||||||
| Accounts payable | $2.1M | $2.5M | $2.4M | $1.3M | $1.0M | $685,000 | $605,000 | $811,000 | $416,744 | $170,367 |
| Short-term debt | $1.8M | $50.0M | $9.2M | $265.0M | $25.0M | $25.0M | $25.0M | — | $24.3M | $27.0M |
| Deferred revenue | — | — | −$2.4M | — | — | — | — | — | — | −$319.2M |
| Total current liabilities | $2.00B | $1.92B | $396.7M | $2.11B | $1.96B | $1.58B | $1.32B | $1.17B | $416,744 | $27.2M |
| Long-term debt | $18.8M | $18.7M | $19.6M | $19.6M | $19.5M | $44.1M | $24.5M | $24.4M | $24.3M | $24.2M |
| Lease obligations | $6.5M | $7.6M | $9.2M | $10.4M | $11.1M | $12.1M | $13.7M | — | — | — |
| Other long-term liabilities | $20.6M | $21.8M | $85.0M | $10.4M | $11.1M | $12.1M | $13.7M | $0 | $4 | $0 |
| Total liabilities | $2.04B | $1.96B | $104.6M | $2.14B | $1.99B | $1.63B | $1.36B | $1.19B | $954.9M | $829.5M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $179,000 | $182,000 | $178,000 | $175,000 | $137,000 | $135,000 | $139,000 | $137,000 | $108,690 | $81,431 |
| Retained earnings (deficit) | $150.9M | $131.0M | $115.9M | $114.9M | $89.9M | $68.0M | $52.5M | $36.7M | $25.9M | $17.9M |
| Accumulated other comprehensive income | −$19.6M | −$23.3M | −$24.2M | −$36.6M | −$2.0M | $1.8M | $690,000 | −$2.4M | −$1.7M | −$1.3M |
| Total shareholders' equity | $253.6M | $235.4M | $2.09B | $202.4M | $209.8M | $189.5M | $179.1M | $158.3M | $98.3M | $79.8M |
| Key figures | ||||||||||
| Total debt | $25.2M | $76.3M | $104.6M | $295.0M | $55.6M | $81.2M | $63.2M | $24.4M | $48.7M | $51.2M |
| Net cash (debt) | $102.4M | $171.1M | −$112.7M | $64.7M | $542.9M | $186.0M | $111.3M | $142.6M | $89.9M | $69.7M |
| Working capital | −$1.86B | −$1.66B | −$336.2M | −$1.74B | −$1.35B | −$1.30B | −$1.14B | −$996.9M | $933.8M | $766.8M |
| Tangible book value | $246.3M | $227.9M | $2.07B | $194.6M | $201.7M | $181.1M | $170.4M | $149.9M | $98.2M | $79.7M |
| Book value per share | $13.89 | $12.79 | $114.41 | $10.95 | $11.51 | $10.73 | $9.66 | $9.88 | $6.81 | $5.85 |
| Shares outstanding | 18.3M | 18.4M | 18.2M | 18.5M | 18.2M | 17.7M | 18.5M | 16.0M | 14.4M | 13.7M |
| Current ratio | 0.07 | 0.14 | 0.15 | 0.18 | 0.31 | 0.18 | 0.14 | 0.15 | 2,241.61 | 29.22 |
| Quick ratio | 0.07 | 0.13 | 0.01 | 0.17 | 0.31 | 0.18 | 0.14 | 0.15 | 339.50 | 4.54 |
| Debt / equity | 0.10 | 0.32 | 0.05 | 1.46 | 0.27 | 0.43 | 0.35 | 0.15 | 0.50 | 0.64 |
| Equity / assets | 11.1% | 10.7% | 95.2% | 8.6% | 9.5% | 10.4% | 11.6% | 11.7% | 9.3% | 8.8% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $12.2M | $9.4M | $127.6M | $228.9M | $135.1M | $282.6M | $247.4M | $342.7M | $326.7M | $247.3M | $259.2M | $313.1M |
| Cash & equivalents | $12.2M | $9.4M | $127.6M | $228.9M | $135.1M | $123.9M | $91.0M | $177.6M | $164.6M | $80.5M | $6.2M | $97.0M |
| Short-term investments | $147.2M | $150.6M | $153.4M | $157.2M | $156.9M | $158.7M | $156.5M | $165.0M | $162.2M | $166.8M | $253.0M | $216.1M |
| Receivables | $10.2M | $10.5M | $10.3M | $10.0M | $10.2M | $10.1M | $10.3M | $10.7M | $10.8M | $10.6M | $10.3M | $10.2M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$14.7M | −$21.1M | −$17.5M | −$269.5M | −$121.6M |
| Other current assets | $0 | $0 | $3.3M | $4.1M | $4.8M | $3.5M | $3.4M | $18.7M | $25.1M | $20.8M | $259.2M | $126.0M |
| Total current assets | $12.2M | $20.0M | $141.2M | $243.0M | $150.1M | $296.3M | $261.2M | $357.3M | $341.6M | $261.1M | $259.2M | $327.6M |
| Property, plant & equipment (net) | $635,000 | $6.4M | $6.8M | $7.1M | $7.6M | $7.6M | $8.0M | $8.0M | $8.7M | $9.0M | $1.0M | $10.0M |
| Goodwill & intangible assets | $14.5M | $14.5M | $7.3M | $7.3M | $7.4M | $7.4M | $7.4M | $7.5M | $7.5M | $7.5M | $14.7M | $7.6M |
| Long-term investments | $147.2M | $150.6M | $153.4M | $157.2M | $157.1M | $159.0M | $156.7M | $165.3M | $162.4M | $167.1M | $171.9M | $216.4M |
| Other non-current assets | $2.19B | $2.14B | $1.98B | $1.90B | $1.92B | $1.77B | $1.77B | $1.76B | $1.78B | $1.74B | $1.68B | $1.74B |
| Total assets | $2.37B | $2.34B | $2.29B | $2.32B | $2.24B | $2.24B | $2.20B | $2.29B | $2.30B | $2.18B | $2.12B | $2.31B |
| Liabilities | ||||||||||||
| Accounts payable | $2.6M | $2.0M | $2.1M | $2.7M | $2.1M | $2.3M | $2.5M | $3.3M | $3.9M | $2.8M | $2.4M | $3.0M |
| Short-term debt | — | — | $1.8M | $6.9M | $50.0M | — | $50.0M | $7.7M | $8.4M | $8.8M | $86.8M | $9.6M |
| Deferred revenue | — | — | — | — | — | — | — | — | −$12.4M | −$11.7M | −$2.4M | — |
| Total current liabilities | $5.7M | $6.1M | $2.00B | $1.98B | $1.91B | $1.91B | $1.92B | $1.96B | $1.99B | $1.88B | $396.7M | $2.01B |
| Long-term debt | $24.5M | $24.5M | $18.8M | $18.7M | $18.7M | $18.7M | $18.7M | $19.7M | $19.7M | $19.6M | $19.6M | $69.6M |
| Lease obligations | $5.7M | $6.1M | $6.5M | $6.9M | $7.3M | $7.3M | $7.6M | $7.7M | $8.4M | $8.8M | $9.2M | $9.6M |
| Other long-term liabilities | $2.08B | $2.05B | $20.6M | $69.9M | $69.8M | $70.8M | $21.8M | $78.7M | $66.0M | $66.4M | $85.0M | $10.3M |
| Total liabilities | $2.10B | $2.08B | $2.04B | $2.07B | $1.99B | $2.00B | $1.96B | $2.06B | $2.07B | $1.96B | $1.57B | $2.09B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $180,000 | $180,000 | $179,000 | $181,000 | $180,000 | $184,000 | $182,000 | $182,000 | $182,000 | $179,000 | $178,000 | $178,000 |
| Retained earnings (deficit) | $163.1M | $156.2M | $150.9M | $146.3M | $141.8M | $136.1M | $131.0M | $126.1M | $121.4M | $117.2M | $115.9M | $121.0M |
| Accumulated other comprehensive income | −$18.5M | −$18.7M | −$19.6M | −$20.6M | −$22.3M | −$21.9M | −$23.3M | −$22.7M | −$22.2M | −$22.5M | −$24.2M | −$34.8M |
| Total shareholders' equity | $265.4M | $260.3M | $253.6M | $249.8M | $243.2M | $242.3M | $235.4M | $230.8M | $226.5M | $220.7M | $644.9M | $211.2M |
| Key figures | ||||||||||||
| Total debt | $30.2M | $30.5M | $25.2M | $25.6M | $26.0M | $26.0M | $76.3M | $27.4M | $28.1M | $28.5M | $104.6M | $29.2M |
| Net cash (debt) | −$17.9M | −$21.1M | $102.4M | $203.3M | $109.1M | $256.7M | $171.1M | $315.3M | $298.6M | $218.9M | $154.5M | $283.9M |
| Working capital | $6.6M | $13.9M | −$1.86B | −$1.74B | −$1.76B | −$1.61B | −$1.66B | −$1.61B | −$1.65B | −$1.61B | −$137.6M | −$1.69B |
| Tangible book value | $250.9M | $245.8M | $246.3M | $242.5M | $235.8M | $234.9M | $227.9M | $223.4M | $219.0M | $213.1M | $630.1M | $203.6M |
| Book value per share | $14.61 | $14.37 | $13.98 | $13.74 | $13.32 | $13.12 | $12.73 | $12.52 | $12.35 | $12.05 | $35.25 | $11.56 |
| Shares outstanding | 18.2M | 18.1M | 18.1M | 18.2M | 18.3M | 18.5M | 18.5M | 18.4M | 18.3M | 18.3M | 18.3M | 18.3M |
| Current ratio | 2.16 | 3.28 | 0.07 | 0.12 | 0.08 | 0.16 | 0.14 | 0.18 | 0.17 | 0.14 | 0.65 | 0.16 |
| Quick ratio | 3.95 | 3.28 | 0.07 | 0.12 | 0.08 | 0.15 | 0.13 | 0.18 | 0.17 | 0.14 | 0.68 | 0.16 |
| Debt / equity | 0.11 | 0.12 | 0.10 | 0.10 | 0.11 | 0.11 | 0.32 | 0.12 | 0.12 | 0.13 | 0.16 | 0.14 |
| Equity / assets | 11.2% | 11.1% | 11.1% | 10.8% | 10.9% | 10.8% | 10.7% | 10.1% | 9.9% | 10.1% | 30.4% | 9.2% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 16, 2026); data from EODHD.
FVCB financial position
At the end of fiscal 2025 (December 31, 2025), FVCBankcorp had total assets of $2.3 billion (up 4.2% from a year earlier), total liabilities of $2.0 billion and shareholders' equity of $253.6 million. It held $127.6 million in cash and short-term investments against $25.2 million of debt, a net cash position of $102.4 million. Its current ratio was 0.07. In the latest quarter (ended June 30, 2026) total assets were $2.4 billion and equity $265.4 million.
Related: FVCB income statement, FVCB cash flow statement, FVCB key metrics. See the FVCB stock overview for the latest quote and news.
FVCB balance sheet FAQ
What are FVCBankcorp's total assets?
FVCBankcorp reported total assets of $2.3 billion at the end of fiscal 2025 (December 31, 2025), compared with $2.2 billion a year earlier.
How much debt does FVCBankcorp have?
FVCBankcorp had $25.2 million of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.10.
How much cash does FVCBankcorp have?
FVCBankcorp held $127.6 million in cash and short-term investments at the end of fiscal 2025; with $25.2 million of debt that is net cash of $102.4 million.
What is FVCBankcorp's book value?
FVCBankcorp's shareholders' equity (book value) was $253.6 million at the end of fiscal 2025, or $13.89 per share.
What is FVCBankcorp's current ratio?
FVCBankcorp had current assets of $141.2 million and current liabilities of $2.0 billion, a current ratio of 0.07 (current liabilities exceed current assets).
How much goodwill does FVCBankcorp have?
FVCBankcorp carried $7.3 million of goodwill and intangible assets, 0.3% of total assets, at the end of fiscal 2025.