Demonstrações financeiras detalhadas de FVCBankcorp, Inc. (FVCB): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
FVCBankcorp, Inc. registou receitas de $122.0M no último exercício, com um CAGR de 5 anos de 12.1%. O lucro líquido atingiu $22.1M, com CAGR de 5 anos de 7.3%.
Margens dos últimos 12 meses: margem bruta 56.3%, margem operacional 34.9%, margem líquida 27.0%. O fluxo de caixa livre cresceu a CAGR de 10.4% em 5 anos.
Ao preço atual de $18.08, FVCB negocia a um P/L de 12.81 e um ROE de 10.04%. A capitalização de mercado é de $325M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $33.3M | $42.8M | $52.9M | $68.4M | $68.9M | $71.5M | $83.5M | $91.9M | $111.6M | $122.0M |
| Custo da Receita | $6.9M | $9.4M | $14.0M | $20.4M | $19.5M | $10.0M | $18.1M | $52.4M | $57.7M | $56.2M |
| Lucro Bruto | $26.4M | $33.4M | $38.9M | $48.0M | $49.4M | $61.5M | $65.5M | $39.5M | $53.9M | $65.8M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $11.1M | $12.8M | $15.3M | $18.2M | $18.1M | $21.0M | $22.5M | $23.5M | $21.7M | $22.2M |
| Despesas Operacionais | $15.9M | $18.8M | $25.8M | $28.0M | $29.8M | $33.3M | $34.5M | $35.3M | $31.6M | $37.6M |
| Lucro Operacional | $10.5M | $14.5M | $13.1M | $20.0M | $19.7M | $28.2M | $31.0M | $4.2M | $22.3M | $28.2M |
| EBITDA | $11.0M | $15.1M | $13.7M | $21.0M | $20.6M | $29.1M | $31.7M | $4.8M | $22.7M | $28.6M |
| Despesas com Juros | $5.4M | $8.2M | $12.1M | $18.7M | $14.5M | $10.5M | $15.4M | $52.2M | $57.7M | $54.6M |
| Lucro Antes de Impostos | $10.5M | $14.5M | $13.1M | $20.0M | $19.7M | $28.2M | $31.0M | $4.2M | $22.3M | $28.2M |
| Imposto | $3.6M | $6.8M | $2.2M | $4.2M | $4.2M | $6.3M | $6.0M | $410000 | $7.2M | $6.2M |
| Lucro Líquido | $6.9M | $7.7M | $10.9M | $15.8M | $15.5M | $21.9M | $25.0M | $3.8M | $15.1M | $22.1M |
| LPA | $0.55 | $0.59 | $0.74 | $0.92 | $0.92 | $1.29 | $1.43 | $0.22 | $0.83 | $1.22 |
| LPA Diluído | $0.51 | $0.53 | $0.68 | $0.85 | $0.88 | $1.20 | $1.35 | $0.21 | $0.82 | $1.21 |
| Ações em Circulação (Diluídas) | $13.7M | $14.4M | $16.0M | $18.5M | $17.7M | $18.2M | $18.5M | $18.2M | $18.4M | $18.3M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $30.4M | $31.5M | $30.7M | $3.0M |
| Lucro Bruto | $16.2M | $16.9M | $18.1M | $2.6M |
| Lucro Operacional | $7.2M | $7.4M | $8.2M | $10.5M |
| EBITDA | $7.3M | $7.5M | $8.3M | $10.5M |
| Lucro Líquido | $5.6M | $5.6M | $6.4M | $8.2M |
| LPA | $0.31 | $0.31 | $0.36 | $0.46 |
| LPA Diluído | $0.31 | $0.31 | $0.35 | $0.45 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $8.7M | $22.6M | $43.5M | $33.1M | $141.1M | $241.0M | $81.6M | $60.5M | $91.0M | $127.6M |
| Investimentos de Curto Prazo | $112.2M | $116.0M | $123.5M | $141.3M | $126.2M | $357.6M | $278.1M | $171.6M | $156.5M | 0 |
| Contas a Receber | $2.5M | $3.0M | $4.0M | $4.1M | $9.1M | $8.1M | $9.4M | $10.3M | $10.3M | $10.3M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $124.0M | $142.2M | $172.0M | $179.1M | $277.0M | $608.0M | $372.3M | $245.9M | $261.2M | $141.2M |
| Imobilizado | $1.3M | $1.2M | $2.3M | $15.4M | $12.8M | $11.8M | $10.9M | $9.4M | $8.0M | $6.8M |
| Ágio | 0 | $400 | $6.5M | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M | $7.2M |
| Ativos Intangíveis | $119000 | $98600 | $1.9M | $1.5M | $1.2M | $895000 | $633000 | $428000 | $263000 | $138000 |
| Ativos Totais | $909.3M | $1.05B | $1.35B | $1.54B | $1.82B | $2.20B | $2.34B | $2.19B | $2.20B | $2.29B |
| Contas a Pagar | $170367 | $417000 | $811000 | $605000 | $685000 | $1.0M | $1.3M | $2.4M | $2.5M | $2.1M |
| Dívida de Curto Prazo | $27.0M | 0 | 0 | $25.0M | $25.0M | $25.0M | $265.0M | $85.0M | $50.0M | 0 |
| Passivos Circulantes | $805.2M | $930.6M | $1.17B | $1.32B | $1.58B | $1.96B | $2.11B | $1.94B | $1.92B | $2.00B |
| Dívida de Longo Prazo | $24.2M | $24.3M | $24.4M | $24.5M | $44.1M | $19.5M | $19.6M | $19.6M | $18.7M | $18.8M |
| Passivos Totais | $829.5M | $954.9M | $1.19B | $1.36B | $1.63B | $1.99B | $2.14B | $1.97B | $1.96B | $2.04B |
| Reservas | $17.9M | $25.9M | $36.7M | $52.5M | $68.0M | $89.9M | $114.9M | $115.9M | $131.0M | $150.9M |
| Patrimônio Líquido | $79.8M | $98.3M | $158.3M | $179.1M | $189.5M | $209.8M | $202.4M | $217.1M | $235.4M | $253.6M |
| Dívida Total | $51.2M | $24.3M | $24.4M | $63.2M | $81.2M | $55.6M | $295.0M | $113.9M | $76.3M | $25.2M |
| Dívida Líquida | -$69.7M | -$114.2M | -$142.6M | -$111.3M | -$186.0M | -$542.9M | -$64.7M | -$118.3M | -$171.1M | -$102.4M |
| Capital de Giro | -$681.2M | -$788.4M | -$996.9M | -$1.14B | -$1.30B | -$1.35B | -$1.74B | -$1.70B | -$1.66B | -$1.86B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $228.9M | $127.6M | $9.4M | $12.2M |
| Ativos Totais | $2.32B | $2.29B | $2.34B | $2.37B |
| Passivos Totais | $2.07B | $2.04B | $2.08B | $2.10B |
| Patrimônio Líquido | $249.8M | $253.6M | $260.3M | $265.4M |
| Dívida Total | $25.6M | $25.2M | $30.5M | $30.2M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $6.9M | $7.7M | $10.9M | $15.8M | $15.5M | $21.9M | $25.0M | $3.8M | $15.1M | $22.1M |
| Depreciação e Amortização | $543792 | $556000 | $615000 | $1.0M | $960000 | $860000 | $686000 | $595000 | $445000 | $337000 |
| Compensação em Ações | $697809 | $628000 | $707000 | $679000 | $690000 | $1.0M | $1.2M | $1.1M | $789000 | $854000 |
| Variação Capital de Giro | -$392550 | -$129000 | -$1.0M | -$218000 | -$3.9M | $3.1M | -$4.5M | -$4.4M | $2.6M | $794000 |
| Fluxo de Caixa Operacional | $9.4M | $10.5M | $13.3M | $19.4M | $14.9M | $19.4M | $22.4M | $16.3M | $18.2M | $23.9M |
| CapEx | -$282234 | -$500000 | -$743000 | -$311000 | -$353000 | -$485000 | -$166000 | -$212000 | -$141000 | -$47000 |
| Aquisições | 0 | 0 | $5.2M | 0 | 0 | -$22.2M | 0 | 0 | 0 | 0 |
| Recompra de Ações | -$5250 | -$4000 | 0 | 0 | -$7.3M | 0 | -$730000 | -$1.5M | 0 | -$6.7M |
| Dividendos Pagos | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -$2.2M |
| Fluxo de Caixa Livre | $9.1M | $10.0M | $12.6M | $19.1M | $14.5M | $19.0M | $22.2M | $16.1M | $18.1M | $23.8M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $7.6M | $7.6M | $7.6M | $8.9M |
| CapEx | -$1000 | -$17000 | -$12000 | -$14000 |
| Fluxo de Caixa Livre | $7.6M | $7.6M | $7.6M | $8.9M |
| Dividendos Pagos | -$1.1M | -$1.1M | -$1.1M | -$1.3M |
| Compensação em Ações | $206000 | $215000 | $215000 | $339000 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +28.5% | +23.8% | +29.2% | +0.8% | +3.8% | +16.8% | +9.9% | +21.5% | +9.4% |
| Crescimento Lucro Líquido (anual) | | +10.9% | +41.3% | +45.6% | -2.1% | +41.5% | +13.9% | -84.7% | +294.1% | +46.4% |
| Crescimento LPA (anual) | | +7.3% | +25.4% | +24.3% | +0.0% | +40.2% | +10.9% | -84.6% | +277.3% | +47.0% |
| Variação de Ações (anual) | | +5.7% | +11.1% | +15.6% | -4.7% | +3.2% | +1.4% | -1.4% | +0.9% | -0.7% |
| Crescimento FCF (anual) | | +9.3% | +26.1% | +51.7% | -24.1% | +30.7% | +17.2% | -27.8% | +12.7% | +31.6% |
| Margem Bruta | 79.4% | 78.0% | 73.5% | 70.2% | 71.7% | 86.0% | 78.4% | 43.0% | 48.3% | 53.9% |
| Margem Operacional | 31.6% | 34.0% | 24.8% | 29.3% | 28.5% | 39.5% | 37.1% | 4.6% | 20.0% | 23.1% |
| Margem EBITDA | 33.2% | 35.3% | 25.9% | 30.8% | 29.9% | 40.7% | 37.9% | 5.3% | 20.4% | 23.4% |
| Margem Líquida | 20.8% | 18.0% | 20.5% | 23.2% | 22.5% | 30.7% | 29.9% | 4.2% | 13.5% | 18.1% |
| Margem FCF | 27.5% | 23.4% | 23.8% | 28.0% | 21.1% | 26.5% | 26.6% | 17.5% | 16.2% | 19.5% |
| Taxa Efetiva de Imposto | 34.0% | 47.1% | 17.1% | 20.9% | 21.1% | 22.2% | 19.4% | 9.7% | 32.4% | 21.9% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $0.67 | $0.69 | $0.79 | $1.03 | $0.82 | $1.04 | $1.20 | $0.88 | $0.98 | $1.30 |
| Dividendo por Ação | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.12 |
| Ações em Circulação (Básicas) | $12.7M | $13.0M | $14.6M | $17.3M | $16.9M | $17.1M | $17.4M | $17.7M | $18.1M | $18.1M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 10.04% |
| Retorno sobre capital investido | 1.09% |
| Retorno sobre ativos | 1.09% |
| Margem bruta | 56.35% |
| Margem operacional | 34.88% |
| Margem líquida | 27.02% |
Saúde financeira
| Dívida / Patrimônio | 0.11 |
| Liquidez corrente | 2.16 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 19.55 | 23.76 | 19.04 | 15.20 | 12.78 | 12.20 | 10.67 | 64.55 | 15.14 | 11.40 |
| P/VP | 1.71 | 1.86 | 1.30 | 1.35 | 1.05 | 1.28 | 1.31 | 1.16 | 0.96 | 0.99 |
| P/V | 4.11 | 4.28 | 3.90 | 3.53 | 2.89 | 3.76 | 3.18 | 2.74 | 2.03 | 2.07 |
| Margem Bruta | 79.4% | 78.0% | 73.5% | 70.2% | 71.7% | 86.0% | 78.4% | 43.0% | 48.3% | 53.9% |
| Margem Operacional | 31.6% | 34.0% | 24.8% | 29.3% | 28.5% | 39.5% | 37.1% | 4.6% | 20.0% | 23.1% |
| Margem Líquida | 20.8% | 18.0% | 20.5% | 23.2% | 22.5% | 30.7% | 29.9% | 4.2% | 13.5% | 18.1% |