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Side-by-side financial comparison of FVCBankcorp, Inc. (FVCB) and Velo3D, Inc. (VELO). Click either name above to swap in a different company.

FVCBankcorp, Inc. is the larger business by last-quarter revenue ($16.9M vs $9.4M, roughly 1.8× Velo3D, Inc.). On growth, FVCBankcorp, Inc. posted the faster year-over-year revenue change (4377.5% vs -25.2%). FVCBankcorp, Inc. produced more free cash flow last quarter ($23.8M vs $-8.3M). Over the past eight quarters, FVCBankcorp, Inc.'s revenue compounded faster (586.6% CAGR vs -1.8%).

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.

Velo3D, Inc. develops and sells advanced end-to-end metal additive manufacturing (3D printing) solutions, comprising industrial-grade printers, specialized processing software, and high-performance metal materials. It primarily serves global aerospace, defense, energy, semiconductor and industrial manufacturing markets, enabling customers to produce complex, high-precision metal parts that are difficult to manufacture with traditional methods.

FVCB vs VELO — Head-to-Head

Bigger by revenue
FVCB
FVCB
1.8× larger
FVCB
$16.9M
$9.4M
VELO
Growing faster (revenue YoY)
FVCB
FVCB
+4402.7% gap
FVCB
4377.5%
-25.2%
VELO
More free cash flow
FVCB
FVCB
$32.2M more FCF
FVCB
$23.8M
$-8.3M
VELO
Faster 2-yr revenue CAGR
FVCB
FVCB
Annualised
FVCB
586.6%
-1.8%
VELO

Income Statement — Q4 FY2025 vs Q4 FY2025

Metric
FVCB
FVCB
VELO
VELO
Revenue
$16.9M
$9.4M
Net Profit
$-21.9M
Gross Margin
-73.6%
Operating Margin
43.7%
-231.0%
Net Margin
-231.9%
Revenue YoY
4377.5%
-25.2%
Net Profit YoY
-2.9%
EPS (diluted)
$0.31
$-0.87

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.

Revenue
FVCB
FVCB
VELO
VELO
Q4 25
$16.9M
$9.4M
Q3 25
$416.0K
$13.6M
Q2 25
$15.8M
$13.6M
Q1 25
$382.0K
$9.3M
Q4 24
$378.0K
$12.6M
Q3 24
$412.0K
$8.2M
Q2 24
$415.0K
$10.3M
Q1 24
$359.0K
$9.8M
Net Profit
FVCB
FVCB
VELO
VELO
Q4 25
$-21.9M
Q3 25
$5.6M
$-11.2M
Q2 25
$5.7M
$-13.3M
Q1 25
$5.2M
$-25.0M
Q4 24
$-21.3M
Q3 24
$4.7M
$-21.9M
Q2 24
$4.2M
$935.0K
Q1 24
$1.3M
$-27.5M
Gross Margin
FVCB
FVCB
VELO
VELO
Q4 25
-73.6%
Q3 25
3.2%
Q2 25
-11.7%
Q1 25
7.5%
Q4 24
-3.5%
Q3 24
49.4%
Q2 24
-28.0%
Q1 24
-28.8%
Operating Margin
FVCB
FVCB
VELO
VELO
Q4 25
43.7%
-231.0%
Q3 25
-73.3%
Q2 25
45.9%
-85.4%
Q1 25
-123.6%
Q4 24
-167.0%
Q3 24
-213.8%
Q2 24
-187.7%
Q1 24
-211.1%
Net Margin
FVCB
FVCB
VELO
VELO
Q4 25
-231.9%
Q3 25
1341.1%
-82.0%
Q2 25
36.0%
-97.7%
Q1 25
1352.1%
-268.4%
Q4 24
-168.5%
Q3 24
1133.3%
-265.3%
Q2 24
1001.2%
9.0%
Q1 24
373.3%
-281.2%
EPS (diluted)
FVCB
FVCB
VELO
VELO
Q4 25
$0.31
$-0.87
Q3 25
$0.31
$-0.65
Q2 25
$0.31
$-0.94
Q1 25
$0.28
$-1.87
Q4 24
$0.27
$7.06
Q3 24
$0.25
$-35.52
Q2 24
$0.23
$1.65
Q1 24
$0.07
$-55.51

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
FVCB
FVCB
VELO
VELO
Cash + ST InvestmentsLiquidity on hand
$39.0M
Total DebtLower is stronger
$31.0M
Stockholders' EquityBook value
$253.6M
$38.2M
Total Assets
$2.3B
$105.3M
Debt / EquityLower = less leverage
0.81×

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
FVCB
FVCB
VELO
VELO
Q4 25
$39.0M
Q3 25
$11.8M
Q2 25
$854.0K
Q1 25
$3.9M
Q4 24
$1.2M
Q3 24
$1.6M
Q2 24
$3.2M
Q1 24
$10.9M
Total Debt
FVCB
FVCB
VELO
VELO
Q4 25
$31.0M
Q3 25
$23.0M
Q2 25
$22.5M
Q1 25
$21.7M
Q4 24
$5.7M
Q3 24
$32.3M
Q2 24
$33.5M
Q1 24
$44.0M
Stockholders' Equity
FVCB
FVCB
VELO
VELO
Q4 25
$253.6M
$38.2M
Q3 25
$249.8M
$29.9M
Q2 25
$243.2M
$21.4M
Q1 25
$242.3M
$32.8M
Q4 24
$235.4M
$39.7M
Q3 24
$230.8M
$34.4M
Q2 24
$226.5M
$52.1M
Q1 24
$220.7M
$45.5M
Total Assets
FVCB
FVCB
VELO
VELO
Q4 25
$2.3B
$105.3M
Q3 25
$2.3B
$93.7M
Q2 25
$2.2B
$78.4M
Q1 25
$2.2B
$91.3M
Q4 24
$2.2B
$89.2M
Q3 24
$2.3B
$110.8M
Q2 24
$2.3B
$116.7M
Q1 24
$2.2B
$136.1M
Debt / Equity
FVCB
FVCB
VELO
VELO
Q4 25
0.81×
Q3 25
0.77×
Q2 25
1.05×
Q1 25
0.66×
Q4 24
0.14×
Q3 24
0.94×
Q2 24
0.64×
Q1 24
0.97×

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
FVCB
FVCB
VELO
VELO
Operating Cash FlowLast quarter
$23.9M
$-7.7M
Free Cash FlowOCF − Capex
$23.8M
$-8.3M
FCF MarginFCF / Revenue
140.7%
-88.3%
Capex IntensityCapex / Revenue
0.3%
6.4%
Cash ConversionOCF / Net Profit
TTM Free Cash FlowTrailing 4 quarters
$40.0M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
FVCB
FVCB
VELO
VELO
Q4 25
$23.9M
$-7.7M
Q3 25
$7.6M
$-6.0M
Q2 25
$3.3M
$-1.2M
Q1 25
$5.4M
$-12.3M
Q4 24
$18.2M
$-2.2M
Q3 24
$4.7M
$-2.0M
Q2 24
$1.6M
$-8.0M
Q1 24
$7.2M
$-20.5M
Free Cash Flow
FVCB
FVCB
VELO
VELO
Q4 25
$23.8M
$-8.3M
Q3 25
$7.6M
$-6.3M
Q2 25
$3.3M
$-3.0M
Q1 25
$5.4M
Q4 24
$18.1M
$-2.2M
Q3 24
$4.6M
$-2.0M
Q2 24
$1.5M
$-8.0M
Q1 24
$7.1M
$-20.5M
FCF Margin
FVCB
FVCB
VELO
VELO
Q4 25
140.7%
-88.3%
Q3 25
1818.0%
-46.5%
Q2 25
20.8%
-22.2%
Q1 25
1413.6%
Q4 24
4786.0%
-17.7%
Q3 24
1121.8%
-24.2%
Q2 24
361.2%
-77.1%
Q1 24
1988.3%
-209.8%
Capex Intensity
FVCB
FVCB
VELO
VELO
Q4 25
0.3%
6.4%
Q3 25
0.2%
2.3%
Q2 25
0.1%
13.3%
Q1 25
4.2%
0.0%
Q4 24
37.3%
0.2%
Q3 24
14.1%
0.2%
Q2 24
12.8%
0.0%
Q1 24
3.9%
0.1%
Cash Conversion
FVCB
FVCB
VELO
VELO
Q4 25
Q3 25
1.36×
Q2 25
0.58×
Q1 25
1.05×
Q4 24
Q3 24
1.00×
Q2 24
0.37×
-8.52×
Q1 24
5.34×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

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