Core Insights - Three stocks are highlighted with strong momentum characteristics and a buy rank as of August 29th [1][2][3] Group 1: FVCBankcorp, Inc. (FVCB) - FVCBankcorp is a bank holding company for FVCbank with a Zacks Rank 1 [1] - The Zacks Consensus Estimate for its current year earnings increased by 5.2% over the last 60 days [1] - FVCBankcorp's shares gained 16.2% over the last three months, outperforming the S&P 500's advance of 10.1% [1] - The company has a Momentum Score of A [1] Group 2: Oshkosh Corporation (OSK) - Oshkosh Corporation is a purpose-built vehicles and equipment company with a Zacks Rank 1 [2] - The Zacks Consensus Estimate for its current year earnings increased by 6.5% over the last 60 days [2] - Oshkosh's shares gained 44.3% over the last three months, significantly outperforming the S&P 500's advance of 10.1% [2] - The company has a Momentum Score of B [2] Group 3: T. Rowe Price Group, Inc. (TROW) - T. Rowe Price Group is an investment management company with a Zacks Rank 1 [3] - The Zacks Consensus Estimate for its current year earnings increased by 10.3% over the last 60 days [3] - T. Rowe's shares gained 15.7% over the last three months, also outperforming the S&P 500's advance of 10.1% [3] - The company has a Momentum Score of B [3]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q 11325 Random Hills Road Suite 240 For the quarterly period ended June 30, 2025 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from _______ to _________ Commission File Number: 001-38647 FVCBankcorp, Inc. (Exact name of registrant as specified in its charter) ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Ac ...

Core Insights - FVCBankcorp (FVCB) is a small regional bank operating in the Washington, DC metro area, presenting potential investment opportunities due to its less widespread following among investors [1] Company Overview - The company is characterized by its regional focus and operates primarily in the financial sector, which is seen as an area of interest for investment analysis [1] Market Perspective - The financial markets are viewed as efficient, with most stocks reflecting their real current value, suggesting that opportunities for profit may arise from stocks that are not accurately valued [1]

Group 1 - The article emphasizes the potential for significant investment opportunities in stocks that are less followed by analysts and have lower trading volumes, suggesting that these stocks may not accurately reflect their market potential [1] - The author believes that the best profit opportunities arise from stocks that are not widely covered by the average investor, indicating a belief in market inefficiencies for these lesser-known stocks [1] Group 2 - The author has over 20 years of experience in the financial sector, which includes roles as an advisor, teacher, and writer, highlighting a strong background in financial analysis [1] - The article reflects a belief in the efficiency of financial markets, asserting that most stocks generally represent their true current value [1]

Core Insights - FVCBankcorp (FVCB) reported quarterly earnings of $0.30 per share, exceeding the Zacks Consensus Estimate of $0.28 per share, and up from $0.23 per share a year ago, representing an earnings surprise of +7.14% [1] - The company posted revenues of $16.61 million for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 2.64%, and an increase from $14.54 million year-over-year [2] - FVCBankcorp has consistently surpassed consensus EPS estimates over the last four quarters, achieving this four times [2] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.29 on revenues of $16.63 million, and for the current fiscal year, it is $1.15 on revenues of $65.37 million [7] - The estimate revisions trend for FVCBankcorp was favorable ahead of the earnings release, resulting in a Zacks Rank 1 (Strong Buy) for the stock, indicating expected outperformance in the near future [6] Industry Context - The Banks - Southeast industry, to which FVCBankcorp belongs, is currently ranked in the top 16% of over 250 Zacks industries, suggesting a favorable outlook for stocks within this sector [8] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can be tracked by investors [5]

Exhibit 99.1 PRESS RELEASE For further information, contact: FVCBankcorp, Inc. Announces Sixth Consecutive Quarter of Improved Earnings; Return on Average Assets 1.02% for the Second Quarter of 2025 Fairfax, VA-FVCBankcorp, Inc. (NASDAQ: FVCB) (the "Company") today reported its financial results for the second quarter of 2025. Second Quarter Selected Financial Highlights 1 • Net Income Increased 10% Compared to the Prior Quarter. Net income totaled $5.7 million, or $0.31 diluted earnings per share, for the ...

Company Overview - FVCBankcorp (FVCB) is expected to report a year-over-year increase in earnings, with a projected EPS of $0.28, reflecting a +21.7% change, and revenues of $16.19 million, up 11.4% from the previous year [3][12]. Earnings Expectations - The consensus EPS estimate has been revised 7.41% higher in the last 30 days, indicating a positive reassessment by analysts [4]. - The company currently has an Earnings ESP of 0%, suggesting no recent differing analyst views from the consensus estimate [12]. Historical Performance - FVCBankcorp has a strong track record, having beaten consensus EPS estimates in the last four quarters, including a +16.67% surprise in the most recent quarter [13][14]. Market Sentiment - The stock's movement may be influenced by how actual results compare to expectations, with potential for upward movement if results exceed estimates [2]. - Despite a strong Zacks Rank of 1, the combination of a 0% Earnings ESP makes it challenging to predict an earnings beat conclusively [12][17]. Industry Context - In the broader context, United Community Banks (UCB) is also expected to report earnings, with an EPS estimate of $0.62, reflecting a +6.9% year-over-year change, and revenues of $259.97 million, up 6% [18][19].

FVCBankcorp (FVCB) could be a solid addition to your portfolio given its recent upgrade to a Zacks Rank #1 (Strong Buy). This upgrade is essentially a reflection of an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices.The Zacks rating relies solely on a company's changing earnings picture. It tracks EPS estimates for the current and following years from the sell-side analysts covering the stock through a consensus measure -- the Zacks Consensus Estimate.The power o ...

Core Viewpoint - FVCBankcorp (FVCB) shows a significant improvement in earnings outlook, making it an attractive investment option as analysts continue to raise earnings estimates for the company [1][2]. Earnings Estimates - Analysts' optimism regarding FVCBankcorp's earnings prospects is leading to higher estimates, which is expected to positively impact the stock price [2]. - The Zacks Rank system indicates a strong correlation between earnings estimate revisions and stock price movements, with Zacks 1 Ranked stocks averaging a +25% annual return since 2008 [3]. Current Quarter Estimates - For the current quarter, FVCBankcorp is expected to earn $0.28 per share, reflecting a year-over-year increase of +21.74% [6]. - The Zacks Consensus Estimate for the current quarter has risen by 7.41% over the last 30 days, with no negative revisions reported [6]. Current Year Estimates - The expected earnings for the full year are projected at $1.15 per share, representing a +21.05% change from the previous year [7]. - The consensus estimate for the current year has increased by 9.52%, with one estimate moving higher and no negative revisions [8]. Zacks Rank - FVCBankcorp currently holds a Zacks Rank 2 (Buy), indicating promising estimate revisions that could lead to significant outperformance compared to the S&P 500 [9]. - Stocks with Zacks Rank 1 (Strong Buy) and 2 (Buy) have historically outperformed the market [9]. Investment Outlook - FVCBankcorp's stock has risen by 8.1% over the past four weeks due to strong estimate revisions, suggesting potential for further upside [10].

Financial Data and Key Metrics Changes - For the full year of 2024, the bank increased its net income by $11.2 million or 294% over 2023 [15] - Total assets increased by $8.5 million or 3.9% and total loans outstanding increased by $42 million or 3.3% [15] - For the first quarter of 2025, commercial bank operating earnings increased by 39% compared to the same quarter last year [16] - Return on average assets improved from 0.25% in Q1 2024 to 0.94% in Q1 2025 [16] - Pre-tax pre-provision return on average assets increased from 0.85% to 1.2% in Q1 2025 [16] Business Line Data and Key Metrics Changes - Net interest income improved by 18% and net interest margin improved by 15% compared to the year-ago quarter [15] - Tangible common equity reached $234.7 million on March 31, 2025, representing a 10.1% increase from the previous year [49] - Loans past due 30 days or more decreased by $7.2 million or 84% from $8.4 million at December 31, 2024 [49] Market Data and Key Metrics Changes - Total assets increased at an annual rate of 7.6% in Q1 2025, total loans increased at an annual rate of 2.5%, and total deposits increased at an annual rate of 7.7% [55] Company Strategy and Development Direction - The company emphasizes building long-term relationships with clients and utilizing technology to enhance performance [19][51] - Recent technology initiatives include partnerships with Clarivus for data analytics and the Q2 digital platform for online banking solutions [21][54] - The bank aims to continue growth and profitability through a relationship-driven strategy coupled with smart technology use [25] Management's Comments on Operating Environment and Future Outlook - Management reported strong credit quality and a well-capitalized balance sheet, indicating confidence in future earnings growth [16][17] - The bank's efficiency improved from 64% in 2023 to 58.1% in the most recent quarter, suggesting operational improvements [25] Other Important Information - The bank repurchased 415,000 shares of its common stock for an average price of $11.14 per share, with all repurchased shares canceled [18][50] - The Center for Disaster Philanthropy was awarded the 2025 El Burwell Gunn Citizenship Award for its community support efforts [26][27] Q&A Session Summary Question: Were there any questions regarding the election of directors? - No questions were raised regarding the election of directors [11] Question: Were there any questions about the compensation of executive officers? - No questions were raised regarding the compensation of executive officers [12] Question: Were there any questions about the appointment of the independent registered public accounting firm? - No questions were raised regarding the appointment of the independent registered public accounting firm [13]