For the quarter ending 2025-09-30, FVCB had $290K increase in cash & cash equivalents over the period. $7,563K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 5,579 | 10,832 |
| Depreciation | 52 | 114 |
| Provision for (recovery of) credit losses | 375 | 305 |
| Net amortization of premium of securities | 48 | 96 |
| Net accretion of deferred loan costs, fees, and other acquisition accounting adjustments | 18 | 410 |
| Gain (loss) on derivative termination | 0 | 154 |
| Income from minority membership interests | 508 | 492 |
| Amortization of subordinated debt issuance costs | 14 | 27 |
| Core deposit intangible amortization | 30 | 67 |
| Equity-based compensation expense | 206 | 433 |
| Boli income | 74 | 141 |
| Increase in accrued interest receivable, prepaid expenses and other assets | -1,107 | -468 |
| Increase (decrease) in accrued interest payable, accrued expenses and other liabilities | 753 | -2,441 |
| Net cash provided by (used in) operating activities, total | 7,564 | 8,704 |
| Decrease in interest-bearing deposits at other financial institutions | -93,502 | -37,716 |
| Payments to acquire debt securities, available-for-sale | 946 | 1,995 |
| Proceeds from sales or maturity of securities available-for-sale | 0 | - |
| Proceeds from repayments, calls and maturities of securities available-for-sale | 3,349 | 7,496 |
| Net redemption of restricted stock | 0 | -412 |
| Net (increase) decrease in loans | -10,198 | -1,177 |
| Proceeds from life insurance policy | 0 | 0 |
| Purchases of premises and equipment, net | 1 | 29 |
| Net cash used in investing activities | -80,902 | -30,655 |
| Net increase in non-maturing deposits | 79,311 | 17,221 |
| Net increase (decrease) in time deposits | -4,903 | 15,647 |
| Decrease in federal funds purchased | - | 0 |
| Issuance and redemption of subordinated debt, net | 0 | 1 |
| Net decrease in fhlb advances | 0 | 0 |
| Payment, tax withholding, share-based payment arrangement | 1 | 53 |
| Repurchases of common stock | 0 | 4,635 |
| Payments of ordinary dividends, common stock | 1,084 | - |
| Common stock issuance | 305 | 236 |
| Net cash provided by financing activities | 73,628 | 28,417 |
| Net increase in cash and cash equivalents | 290 | 6,466 |
| Cash and cash equivalents at beginning of period | 8,161 | - |
| Cash and cash equivalents at end of period | 14,917 | - |
FVCBankcorp, Inc. (FVCB)
FVCBankcorp, Inc. (FVCB)