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Side-by-side financial comparison of FVCBankcorp, Inc. (FVCB) and SPRUCE POWER HOLDING CORP (SPRU). Click either name above to swap in a different company.
SPRUCE POWER HOLDING CORP is the larger business by last-quarter revenue ($24.0M vs $16.9M, roughly 1.4× FVCBankcorp, Inc.). On growth, FVCBankcorp, Inc. posted the faster year-over-year revenue change (4377.5% vs 20.4%). FVCBankcorp, Inc. produced more free cash flow last quarter ($23.8M vs $-3.3M). Over the past eight quarters, FVCBankcorp, Inc.'s revenue compounded faster (586.6% CAGR vs 14.6%).
FVCBankcorp, Inc. is a Virginia-based U.S. bank holding company operating FVCbank, a community-focused financial institution. It provides a full range of personal and commercial banking products including deposit accounts, business and personal loans, mortgage services, and wealth management solutions, serving SMEs, professionals and individual consumers across the Mid-Atlantic region.
Spruce Finance is an American consumer finance company specializing in the residential solar finance and efficiency home improvement sectors in the U.S.
FVCB vs SPRU — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $16.9M | $24.0M |
| Net Profit | — | $-6.9M |
| Gross Margin | — | — |
| Operating Margin | 43.7% | 9.4% |
| Net Margin | — | -28.6% |
| Revenue YoY | 4377.5% | 20.4% |
| Net Profit YoY | — | -15.8% |
| EPS (diluted) | $0.31 | $-0.38 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $16.9M | $24.0M | ||
| Q3 25 | $416.0K | $30.7M | ||
| Q2 25 | $15.8M | $33.2M | ||
| Q1 25 | $382.0K | $23.8M | ||
| Q4 24 | $378.0K | $20.0M | ||
| Q3 24 | $412.0K | $21.4M | ||
| Q2 24 | $415.0K | $22.5M | ||
| Q1 24 | $359.0K | $18.3M |
| Q4 25 | — | $-6.9M | ||
| Q3 25 | $5.6M | $-860.0K | ||
| Q2 25 | $5.7M | $-3.0M | ||
| Q1 25 | $5.2M | $-15.3M | ||
| Q4 24 | — | $-5.9M | ||
| Q3 24 | $4.7M | $-53.5M | ||
| Q2 24 | $4.2M | $-8.6M | ||
| Q1 24 | $1.3M | $-2.5M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 54.8% | ||
| Q2 24 | — | 54.9% | ||
| Q1 24 | — | 51.5% |
| Q4 25 | 43.7% | 9.4% | ||
| Q3 25 | — | 27.6% | ||
| Q2 25 | 45.9% | 26.8% | ||
| Q1 25 | — | -7.1% | ||
| Q4 24 | — | -31.4% | ||
| Q3 24 | — | -173.8% | ||
| Q2 24 | — | -14.9% | ||
| Q1 24 | — | -19.7% |
| Q4 25 | — | -28.6% | ||
| Q3 25 | 1341.1% | -2.8% | ||
| Q2 25 | 36.0% | -8.9% | ||
| Q1 25 | 1352.1% | -64.4% | ||
| Q4 24 | — | -29.7% | ||
| Q3 24 | 1133.3% | -250.4% | ||
| Q2 24 | 1001.2% | -38.2% | ||
| Q1 24 | 373.3% | -13.4% |
| Q4 25 | $0.31 | $-0.38 | ||
| Q3 25 | $0.31 | $-0.05 | ||
| Q2 25 | $0.31 | $-0.17 | ||
| Q1 25 | $0.28 | $-0.84 | ||
| Q4 24 | $0.27 | $-0.36 | ||
| Q3 24 | $0.25 | $-2.88 | ||
| Q2 24 | $0.23 | $-0.45 | ||
| Q1 24 | $0.07 | $-0.13 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $54.8M |
| Total DebtLower is stronger | — | $695.5M |
| Stockholders' EquityBook value | $253.6M | $121.3M |
| Total Assets | $2.3B | $837.3M |
| Debt / EquityLower = less leverage | — | 5.74× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $54.8M | ||
| Q3 25 | — | $53.6M | ||
| Q2 25 | — | $53.5M | ||
| Q1 25 | — | $61.9M | ||
| Q4 24 | — | $72.8M | ||
| Q3 24 | — | $113.7M | ||
| Q2 24 | — | $116.6M | ||
| Q1 24 | — | $120.6M |
| Q4 25 | — | $695.5M | ||
| Q3 25 | — | $705.6M | ||
| Q2 25 | — | $717.1M | ||
| Q1 25 | — | $723.8M | ||
| Q4 24 | — | $730.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $253.6M | $121.3M | ||
| Q3 25 | $249.8M | $124.9M | ||
| Q2 25 | $243.2M | $125.0M | ||
| Q1 25 | $242.3M | $130.8M | ||
| Q4 24 | $235.4M | $143.7M | ||
| Q3 24 | $230.8M | $151.6M | ||
| Q2 24 | $226.5M | $204.6M | ||
| Q1 24 | $220.7M | $213.0M |
| Q4 25 | $2.3B | $837.3M | ||
| Q3 25 | $2.3B | $857.1M | ||
| Q2 25 | $2.2B | $862.6M | ||
| Q1 25 | $2.2B | $878.0M | ||
| Q4 24 | $2.2B | $898.5M | ||
| Q3 24 | $2.3B | $806.8M | ||
| Q2 24 | $2.3B | $858.4M | ||
| Q1 24 | $2.2B | $867.9M |
| Q4 25 | — | 5.74× | ||
| Q3 25 | — | 5.65× | ||
| Q2 25 | — | 5.74× | ||
| Q1 25 | — | 5.53× | ||
| Q4 24 | — | 5.08× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $23.9M | $-3.3M |
| Free Cash FlowOCF − Capex | $23.8M | $-3.3M |
| FCF MarginFCF / Revenue | 140.7% | -13.7% |
| Capex IntensityCapex / Revenue | 0.3% | 0.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $40.0M | $-3.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $23.9M | $-3.3M | ||
| Q3 25 | $7.6M | $11.2M | ||
| Q2 25 | $3.3M | $-2.3M | ||
| Q1 25 | $5.4M | $-9.1M | ||
| Q4 24 | $18.2M | $-13.5M | ||
| Q3 24 | $4.7M | $-1.1M | ||
| Q2 24 | $1.6M | $-5.1M | ||
| Q1 24 | $7.2M | $-22.2M |
| Q4 25 | $23.8M | $-3.3M | ||
| Q3 25 | $7.6M | $11.2M | ||
| Q2 25 | $3.3M | $-2.4M | ||
| Q1 25 | $5.4M | $-9.2M | ||
| Q4 24 | $18.1M | $-13.6M | ||
| Q3 24 | $4.6M | $-1.1M | ||
| Q2 24 | $1.5M | $-5.2M | ||
| Q1 24 | $7.1M | $-22.3M |
| Q4 25 | 140.7% | -13.7% | ||
| Q3 25 | 1818.0% | 36.5% | ||
| Q2 25 | 20.8% | -7.3% | ||
| Q1 25 | 1413.6% | -38.7% | ||
| Q4 24 | 4786.0% | -68.3% | ||
| Q3 24 | 1121.8% | -5.1% | ||
| Q2 24 | 361.2% | -23.1% | ||
| Q1 24 | 1988.3% | -121.7% |
| Q4 25 | 0.3% | 0.0% | ||
| Q3 25 | 0.2% | 0.1% | ||
| Q2 25 | 0.1% | 0.3% | ||
| Q1 25 | 4.2% | 0.4% | ||
| Q4 24 | 37.3% | 0.9% | ||
| Q3 24 | 14.1% | 0.1% | ||
| Q2 24 | 12.8% | 0.4% | ||
| Q1 24 | 3.9% | 0.4% |
| Q4 25 | — | — | ||
| Q3 25 | 1.36× | — | ||
| Q2 25 | 0.58× | — | ||
| Q1 25 | 1.05× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.00× | — | ||
| Q2 24 | 0.37× | — | ||
| Q1 24 | 5.34× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
