FVCB (FVCBankcorp) Retained Earnings: $156.17 Mil (As of Mar. 2026)


FVCB FVCBankcorp Inc FVCB
63 GF Score
Price $17.53
GF Value $15.69
Valuation Modestly Overvalued
! 5 Warning Signs
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What is FVCBankcorp Retained Earnings?

FVCBankcorp FVCB +0.23% 63 Retained Earnings is $156.17 Mil as of Mar. 2026. GuruFocus rates FVCB with a GF Score™ of 63/100 and a GF Value™ of $15.69 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. FVCBankcorp's retained earnings for the quarter that ended in Mar. 2026 was $156.17 Mil.

FVCBankcorp's quarterly retained earnings increased from Sep. 2025 ($146.29 Mil) to Dec. 2025 ($150.86 Mil) and increased from Dec. 2025 ($150.86 Mil) to Mar. 2026 ($156.17 Mil).

FVCBankcorp's annual retained earnings increased from Dec. 2023 ($115.89 Mil) to Dec. 2024 ($130.97 Mil) and increased from Dec. 2024 ($130.97 Mil) to Dec. 2025 ($150.86 Mil).


FVCBankcorp  (NAS:FVCB) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


FVCBankcorp Retained Earnings Historical Data

* Premium members only.

The historical data trend for FVCBankcorp's Retained Earnings can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

FVCBankcorp Retained Earnings Chart

FVCBankcorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 89.90 114.89 115.89 130.97 150.86

FVCBankcorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 136.13 141.80 146.29 150.86 156.17
FVCB
63GF Score
FVCBankcorp Inc FVCB
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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FVCBankcorp Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $156.17 Mil mean?
FVCBankcorp (FVCB) has a Retained Earnings of $156.17 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on FVCBankcorp and its competitors.
Is FVCBankcorp's Retained Earnings too high?
FVCBankcorp's current Retained Earnings is $156.17 Mil. Overall, FVCBankcorp has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FVCBankcorp's Retained Earnings compare to FSBW and MFGI?
FVCBankcorp's Retained Earnings of $156.17 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on FVCBankcorp and its competitors. FVCBankcorp's current Retained Earnings is $156.17 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FVCBankcorp stock overvalued right now?
Based on GuruFocus' analysis, FVCBankcorp (FVCB) is currently considered Modestly Overvalued. The stock's GF Value™ is $15.69, compared to a current price of $17.53 — trading 11.7% above its estimated fair value. The current Retained Earnings is $156.17 Mil. FVCBankcorp's overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For FVCBankcorp (FVCB), the current Retained Earnings is $156.17 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is FVCBankcorp (FVCB) Overvalued in 2026?

Based on GuruFocus' analysis, FVCBankcorp stock appears to be overvalued. The current stock price of $17.53 is trading 11.7% above its estimated GF Value™ of $15.69. GuruFocus considers FVCBankcorp to be Modestly Overvalued.

Key valuation signals for FVCB:

  • Retained Earnings: $156.17 Mil
  • GF Value™: $15.69 vs. price of $17.53 (11.7% above fair value)
  • GF Score™: 63/100 with 5 warning signs

No single metric tells the full story. See the FVCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


FVCBankcorp Business Description

Address 11325 Random Hills Road, Suite 240, Fairfax, VA, USA, 22030
FVCBankcorp Inc is a registered bank holding company. It operates through the sole subsidiary, which is a community-oriented, locally-owned, and managed commercial bank. It offers commercial banking services to small and medium-sized businesses, professionals, non-profit organizations and associations, and investors. It also provides retail banking services to accommodate the individual needs of both corporate customers as well as the communities it serves. The bank provides other facilities such as online banking, mobile banking, remote deposit service, and lending products, among others. Its primary source of revenue is the net interest income.
63GF Score

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Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.53
Price
$15.69
GF Value