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Side-by-side financial comparison of FVCBankcorp, Inc. (FVCB) and SurgePays, Inc. (SURG). Click either name above to swap in a different company.
FVCBankcorp, Inc. is the larger business by last-quarter revenue ($16.9M vs $16.2M, roughly 1.0× SurgePays, Inc.). On growth, FVCBankcorp, Inc. posted the faster year-over-year revenue change (4377.5% vs 68.7%). Over the past eight quarters, FVCBankcorp, Inc.'s revenue compounded faster (586.6% CAGR vs -28.2%).
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.
SurgePays, Inc. is a U.S.-headquartered fintech and telecommunications company focused on serving underbanked and low-income communities across the country. It offers prepaid wireless plans, reloadable debit cards, digital banking solutions, and daily consumer products through a nationwide network of independent local retail partners such as convenience stores.
FVCB vs SURG — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $16.9M | $16.2M |
| Net Profit | — | $-13.9M |
| Gross Margin | — | -14.8% |
| Operating Margin | 43.7% | -79.1% |
| Net Margin | — | -85.6% |
| Revenue YoY | 4377.5% | 68.7% |
| Net Profit YoY | — | 30.0% |
| EPS (diluted) | $0.31 | $-0.68 |
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 | $16.2M | ||
| Q3 25 | $416.0K | $18.7M | ||
| Q2 25 | $15.8M | $11.5M | ||
| Q1 25 | $382.0K | $10.6M | ||
| Q4 24 | $378.0K | $9.6M | ||
| Q3 24 | $412.0K | $4.8M | ||
| Q2 24 | $415.0K | $15.1M | ||
| Q1 24 | $359.0K | $31.4M |
| Q4 25 | — | $-13.9M | ||
| Q3 25 | $5.6M | $-7.5M | ||
| Q2 25 | $5.7M | $-7.1M | ||
| Q1 25 | $5.2M | $-7.6M | ||
| Q4 24 | — | $-19.8M | ||
| Q3 24 | $4.7M | $-14.3M | ||
| Q2 24 | $4.2M | $-12.9M | ||
| Q1 24 | $1.3M | $1.2M |
| Q4 25 | — | -14.8% | ||
| Q3 25 | — | -13.9% | ||
| Q2 25 | — | -23.0% | ||
| Q1 25 | — | -27.8% | ||
| Q4 24 | — | -117.0% | ||
| Q3 24 | — | -164.2% | ||
| Q2 24 | — | -22.8% | ||
| Q1 24 | — | 26.0% |
| Q4 25 | 43.7% | -79.1% | ||
| Q3 25 | — | -37.2% | ||
| Q2 25 | 45.9% | -59.1% | ||
| Q1 25 | — | -71.7% | ||
| Q4 24 | — | -209.0% | ||
| Q3 24 | — | -299.4% | ||
| Q2 24 | — | -72.1% | ||
| Q1 24 | — | 5.6% |
| Q4 25 | — | -85.6% | ||
| Q3 25 | 1341.1% | -40.1% | ||
| Q2 25 | 36.0% | -61.5% | ||
| Q1 25 | 1352.1% | -72.2% | ||
| Q4 24 | — | -206.5% | ||
| Q3 24 | 1133.3% | -299.3% | ||
| Q2 24 | 1001.2% | -85.3% | ||
| Q1 24 | 373.3% | 3.9% |
| Q4 25 | $0.31 | $-0.68 | ||
| Q3 25 | $0.31 | $-0.38 | ||
| Q2 25 | $0.31 | $-0.36 | ||
| Q1 25 | $0.28 | $-0.38 | ||
| Q4 24 | $0.27 | $-1.07 | ||
| Q3 24 | $0.25 | $-0.73 | ||
| Q2 24 | $0.23 | $-0.66 | ||
| Q1 24 | $0.07 | $0.07 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $1.7M |
| Total DebtLower is stronger | — | $13.3M |
| Stockholders' EquityBook value | $253.6M | $-15.3M |
| Total Assets | $2.3B | $8.5M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $1.7M | ||
| Q3 25 | — | $2.5M | ||
| Q2 25 | — | $4.4M | ||
| Q1 25 | — | $5.4M | ||
| Q4 24 | — | $11.8M | ||
| Q3 24 | — | $23.7M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | $13.3M | ||
| Q3 25 | — | $12.0M | ||
| Q2 25 | — | $9.6M | ||
| Q1 25 | — | $3.6M | ||
| Q4 24 | — | $4.0M | ||
| Q3 24 | — | $4.4M | ||
| Q2 24 | — | $4.8M | ||
| Q1 24 | — | $5.2M |
| Q4 25 | $253.6M | $-15.3M | ||
| Q3 25 | $249.8M | $-6.4M | ||
| Q2 25 | $243.2M | $116.1K | ||
| Q1 25 | $242.3M | $7.8M | ||
| Q4 24 | $235.4M | $15.3M | ||
| Q3 24 | $230.8M | $33.2M | ||
| Q2 24 | $226.5M | $46.2M | ||
| Q1 24 | $220.7M | $56.0M |
| Q4 25 | $2.3B | $8.5M | ||
| Q3 25 | $2.3B | $14.5M | ||
| Q2 25 | $2.2B | $15.2M | ||
| Q1 25 | $2.2B | $15.7M | ||
| Q4 24 | $2.2B | $24.0M | ||
| Q3 24 | $2.3B | $41.5M | ||
| Q2 24 | $2.3B | $56.4M | ||
| Q1 24 | $2.2B | $69.6M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 82.67× | ||
| Q1 25 | — | 0.46× | ||
| Q4 24 | — | 0.26× | ||
| Q3 24 | — | 0.13× | ||
| Q2 24 | — | 0.10× | ||
| Q1 24 | — | 0.09× |
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 | $-3.6M |
| Free Cash FlowOCF − Capex | $23.8M | — |
| FCF MarginFCF / Revenue | 140.7% | — |
| Capex IntensityCapex / Revenue | 0.3% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $40.0M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $23.9M | $-3.6M | ||
| Q3 25 | $7.6M | $-4.6M | ||
| Q2 25 | $3.3M | $-6.1M | ||
| Q1 25 | $5.4M | $-7.0M | ||
| Q4 24 | $18.2M | $-7.9M | ||
| Q3 24 | $4.7M | $-13.3M | ||
| Q2 24 | $1.6M | $-4.1M | ||
| Q1 24 | $7.2M | $4.0M |
| Q4 25 | $23.8M | — | ||
| Q3 25 | $7.6M | — | ||
| Q2 25 | $3.3M | — | ||
| Q1 25 | $5.4M | — | ||
| Q4 24 | $18.1M | — | ||
| Q3 24 | $4.6M | — | ||
| Q2 24 | $1.5M | — | ||
| Q1 24 | $7.1M | — |
| Q4 25 | 140.7% | — | ||
| Q3 25 | 1818.0% | — | ||
| Q2 25 | 20.8% | — | ||
| Q1 25 | 1413.6% | — | ||
| Q4 24 | 4786.0% | — | ||
| Q3 24 | 1121.8% | — | ||
| Q2 24 | 361.2% | — | ||
| Q1 24 | 1988.3% | — |
| Q4 25 | 0.3% | — | ||
| Q3 25 | 0.2% | — | ||
| Q2 25 | 0.1% | — | ||
| Q1 25 | 4.2% | — | ||
| Q4 24 | 37.3% | — | ||
| Q3 24 | 14.1% | — | ||
| Q2 24 | 12.8% | — | ||
| Q1 24 | 3.9% | — |
| 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× | 3.30× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
