Board Change • May 21
Insufficient new directors No new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 2 experienced directors. 10 highly experienced directors. Independent Director Marc Duber was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model. Announcement • Apr 24
FVCBankcorp, Inc. Reports Charge Offs for the First Quarter Ended March 31, 2026 FVCBankcorp, Inc. reported charge offs for the first quarter ended March 31, 2026. For the period, the company reported net charge-offs of $3,000 compared to recoveries of $139,000 a year ago. Announcement • Apr 19
Fvcbankcorp, Inc. Announces Increase in Quarterly Cash Dividend, Payable on May 18, 2026 FVCBankcorp, Inc. announced that the Company’s Board of Directors has declared a cash dividend of $0.07 for each share of its common stock outstanding, an increase of $0.01, or 17%, from the previous quarterly cash dividend. The dividend is payable on May 18, 2026 to shareholders of record on April 27, 2026. Announcement • Apr 08
FVCBankcorp, Inc., Annual General Meeting, May 20, 2026 FVCBankcorp, Inc., Annual General Meeting, May 20, 2026. Announcement • Feb 13
FVCBankcorp, Inc. announced that it has received $25 million in funding FVCBankcorp, Inc. announced that it has received the private placement of $25 million from certain qualified institutional buyers and accredited investors on February 12, 2026. The note will mature on March 1, 2029, carry a fixed rate of interest of 6.75 percent. Announcement • Jan 16
FVCBankcorp, Inc. Announces Quarterly Cash Dividend, Payable on February 17, 2026 FVCBankcorp, Inc. announced that the Company’s Board of Directors has declared a cash dividend of $0.06 for each share of its common stock
outstanding. The dividend is payable on February 17, 2026 to shareholders of record on January 26, 2026. Announcement • Oct 22
FVCBankcorp, Inc. Announces Net Charge Offs for the Third Quarter Ended September 30, 2025 FVCBankcorp, Inc. announced net charge offs for the third quarter ended September 30, 2025. For the quarter, the company reported net charge-offs of $498,000. Announcement • Oct 17
FVCBankcorp, Inc. Declares Quarterly Cash Dividend, Payable on November 17, 2025 FVCBankcorp, Inc. announced that the Company’s Board of Directors has declared quarterly cash dividend of $0.06 for each share of its common stock outstanding. The dividend is payable on November 17, 2025 to shareholders of record on October 27, 2025. Announcement • Jul 23
FVCBankcorp, Inc. Reports Net Charge Offs for the Second Quarter Ended June 30, 2025 FVCBankcorp, Inc. reported net charge for the second quarter ended June 30, 2025. For the quarter, the company recorded net charge-offs of $517,000, or 0.11% annualized to average loans. Announcement • Jul 18
Fvcbankcorp, Inc. Announces Initiation of Quarterly Cash Dividend, Payable on August 18, 2025 FVCBankcorp, Inc. announced that the company’s Board of Directors has declared a quarterly cash dividend as part of the initiation of a recurring quarterly dividend program. The initial quarterly cash dividend of $0.06 was declared for each share of its common stock outstanding. The dividend is payable on August 18, 2025 to shareholders of record on July 28, 2025. Based on the current number of shares outstanding, the aggregate payment will be approximately $1.1 million. Announcement • Jun 30
FVCBankcorp, Inc.(NasdaqCM:FVCB) dropped from Russell 2000 Dynamic Index FVCBankcorp, Inc.(NasdaqCM:FVCB) dropped from Russell 2000 Dynamic Index Announcement • Jun 26
FVCbank Announces Executive Promotions FVCbank announce the promotions of two long-tenured and highly respected leaders: Jim Elliott has been promoted to Executive Vice President, Commercial Lending, and Steffany Watson has been promoted to Executive Vice President, Chief Services Officer. Jim will continue his service on the Bank’s Executive Committee, where he has played a key role in strategic initiatives. Steffany, with her promotion, has now been appointed to the Executive Committee for the first time. Both executives will contribute significantly to FVCbank’s continued growth and its commitment to exceptional customer service and operational excellence. Jim Elliott joined FVCbank in 2009 as Senior Vice President, Commercial Lender for the Prince William Region. Throughout his tenure, he has built one of the Bank’s largest and most loyal commercial loan portfolios. In 2019, Jim was promoted to Market President–Virginia, significantly expanding his reach and reinforcing the Bank’s presence across the region. In 2024, he assumed the role of Executive Director of Commercial Lending and was appointed to the Executive Committee. Under Jim’s leadership, the Manassas lending team expanded, and new industry verticals—including cannabis banking—were successfully added to the Bank’s portfolio. Steffany Watson began her career with FVCbank in 2007, joining during the Bank’s formation as Vice President, Cash Management & Treasury Services. She was instrumental in developing the Bank’s online banking platform and positioning its treasury services as a core differentiator from day one. In subsequent years, Steffany held progressive leadership roles, including Senior Vice President and Director of Cash Management. In 2024, she was promoted to Senior Vice President, Chief Services Officer, assuming leadership of loan operations, servicing, and deposit operations. She has also led multiple system conversions and works closely with key technology partners such as FIS and Q2. Announcement • May 07
FVCbank Announces Executive Promotions FVCbank announced the promotion of two key members of its executive leadership team. Jennifer Deacon, currently Executive Vice President and Chief Financial Officer, and Michael G. Nassy, currently Executive Vice President and Chief Credit Officer, have been elevated to Senior Executive Vice President roles, recognizing their outstanding contributions and leadership. Jennifer Deacon has been instrumental in overseeing the bank’s extensive finance and accounting practices including treasury management and financial reporting. With extensive experience in banking and finance, Deacon’s leadership has strengthened the bank’s financial position and enhanced its operational efficiencies. Michael G. Nassy has led the bank’s credit and risk management efforts, ensuring sound lending practices and supporting FVCbank’s commitment to responsible growth. His expertise in credit risk assessment and portfolio management has been vital to the bank’s success in serving the diverse financial needs of businesses and individuals in the region. As Senior Executive Vice Presidents, Deacon and Nassy will continue to play critical roles in shaping the bank’s strategic vision and growth initiatives, ensuring FVCbank remains a trusted financial partner for businesses and communities throughout the region. Announcement • Apr 16
FVCBankcorp, Inc., Annual General Meeting, May 29, 2025 FVCBankcorp, Inc., Annual General Meeting, May 29, 2025. Announcement • Jan 24
FVCBankcorp, Inc. Reports Unaudited Net Charge-Offs for the Fourth Quarter Ended December 31, 2024 FVCBankcorp, Inc. reported unaudited net charge-offs for the fourth quarter ended December 31, 2024. For the quarter, the company reported net charge-offs of $937,000 against $49,000 a year ago. New Risk • Aug 27
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 6.9% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 5.0% per year over the past 5 years. Minor Risks Share price has been volatile over the past 3 months (6.9% average weekly change). Profit margins are more than 30% lower than last year (10% net profit margin). Shareholders have been diluted in the past year (2.2% increase in shares outstanding). Significant insider selling over the past 3 months (€696k sold). Valuation Update With 7 Day Price Move • Aug 05
Investor sentiment deteriorates as stock falls 16% After last week's 16% share price decline to €9.80, the stock trades at a trailing P/E ratio of 43.2x. Average trailing P/E is 7x in the Banks industry in Europe. Valuation Update With 7 Day Price Move • Jul 17
Investor sentiment improves as stock rises 17% After last week's 17% share price gain to €11.00, the stock trades at a trailing P/E ratio of 51.5x. Average trailing P/E is 8x in the Banks industry in Europe. Recent Insider Transactions • Jun 13
Independent Director recently sold €126k worth of stock On the 6th of June, Devin Satz sold around 13k shares on-market at roughly €9.93 per share. This transaction amounted to 7.6% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €1.6m more than they bought in the last 12 months. Recent Insider Transactions • May 15
Independent Director recently sold €106k worth of stock On the 9th of May, Phillip Wills sold around 10k shares on-market at roughly €10.41 per share. This transaction amounted to 5.4% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €109k. Insiders have been net sellers, collectively disposing of €1.4m more than they bought in the last 12 months. Valuation Update With 7 Day Price Move • Apr 13
Investor sentiment deteriorates as stock falls 15% After last week's 15% share price decline to €9.30, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 8x in the Banks industry in Europe. Announcement • Apr 07
FVCBankcorp, Inc., Annual General Meeting, May 15, 2024 FVCBankcorp, Inc., Annual General Meeting, May 15, 2024, at 16:30 US Eastern Standard Time. Agenda: To elect twelve persons as directors of the Company for a one year term extending until the next Annual Meeting of Shareholders and until their successors shall be duly elected and qualified; to approve, in an advisory (non-binding) vote, the Company’s named executive officer compensation disclosed in the Proxy Statement; to ratify the appointment of Yount, Hyde & Barbour, P.C., as the Company’s independent registered public accounting firm to audit the consolidated financial statements of the Company for the year ended December 31, 2024; and to transact such other business as may properly come before the meeting or any adjournment or postponement thereof. Recent Insider Transactions • Mar 22
Chairman & CEO recently sold €109k worth of stock On the 21st of March, David Pijor sold around 10k shares on-market at roughly €10.88 per share. This transaction amounted to 2.3% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €341k. David has been a net seller over the last 12 months, reducing personal holdings by €222k. Recent Insider Transactions • Feb 04
Independent Director recently sold €341k worth of stock On the 30th of January, Phillip Wills sold around 29k shares on-market at roughly €11.76 per share. This transaction amounted to 13% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €1.5m more than they bought in the last 12 months. Board Change • Feb 01
Insufficient new directors There is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 3 experienced directors. 8 highly experienced directors. Independent Director Marc Duber was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model. Recent Insider Transactions • Dec 27
Executive VP & Chief Lending Officer recently sold €65k worth of stock On the 20th of December, William Byers sold around 5k shares on-market at roughly €13.06 per share. This transaction amounted to 15% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €77k. Insiders have been net sellers, collectively disposing of €1.2m more than they bought in the last 12 months. 
