For the year ending 2025-12-31, FVCB had -$2,477K decrease in cash & cash equivalents over the period. $23,812K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 22,057 |
| Depreciation | 212 |
| Provision for credit losses | 1,589 |
| Net amortization of premium of securities | 189 |
| Net accretion of deferred loan costs, fees, and other acquisition accounting adjustments | 487 |
| Gain (loss) on derivative termination | 91 |
| Income from minority membership interests | 1,247 |
| Amortization of subordinated debt issuance costs | 55 |
| Core deposit intangible amortization | 125 |
| Tax credit amortization | 126 |
| Equity-based compensation expense | 854 |
| Boli income | 289 |
| Deferred income tax (benefit) expense | -29 |
| Increase in accrued interest receivable, prepaid expenses and other assets | -1,352 |
| Increase (decrease) in accrued interest payable, accrued expenses and other liabilities | -558 |
| Net cash provided by (used in) operating activities, total | 23,859 |
| Decrease in interest-bearing deposits at other financial institutions | -39,158 |
| Payments to acquire debt securities, available-for-sale | 2,941 |
| Proceeds from sales or maturity of securities available-for-sale | 0 |
| Proceeds from repayments, calls and maturities of securities available-for-sale | 16,143 |
| Net redemption of restricted stock | -2,740 |
| Net increase in loans | 71,393 |
| Proceeds from life insurance policy | 0 |
| Purchases of premises and equipment, net | 47 |
| Net cash used in investing activities | -94,656 |
| Net increase in non-maturing deposits | 62,746 |
| Net increase (decrease) in time deposits | 63,926 |
| Issuance and redemption of subordinated debt, net | 0 |
| Net decrease in fhlb advances | -50,000 |
| Payment, tax withholding, share-based payment arrangement | 53 |
| Repurchases of common stock | 6,677 |
| Payments of ordinary dividends, common stock | 2,167 |
| Common stock issuance | 545 |
| Net cash provided by (used in) financing activities | 68,320 |
| Net increase (decrease) in cash and cash equivalents | -2,477 |
| Cash and cash equivalents, beginning of year | 8,161 |
| Cash and cash equivalents, end of period | 5,684 |
FVCBankcorp, Inc. (FVCB)
FVCBankcorp, Inc. (FVCB)