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

FVCBankcorp, Inc. is the larger business by last-quarter revenue ($16.9M vs $13.7M, roughly 1.2× Xilio Therapeutics, Inc.). FVCBankcorp, Inc. produced more free cash flow last quarter ($23.8M vs $-2.1M).

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.

Xilio Therapeutics is a clinical-stage biotechnology company dedicated to developing novel tumor-selective immunotherapies for cancer treatment. Its product pipeline features candidates engineered to trigger anti-tumor immune responses specifically inside tumor microenvironments, reducing systemic toxicities, and it primarily targets oncology patient populations in North America and other global markets.

FVCB vs XLO — Head-to-Head

Bigger by revenue
FVCB
FVCB
1.2× larger
FVCB
$16.9M
$13.7M
XLO
More free cash flow
FVCB
FVCB
$25.9M more FCF
FVCB
$23.8M
$-2.1M
XLO

Income Statement — Q4 FY2025 vs Q4 FY2025

Metric
FVCB
FVCB
XLO
XLO
Revenue
$16.9M
$13.7M
Net Profit
$10.4M
Gross Margin
Operating Margin
43.7%
-86.5%
Net Margin
75.7%
Revenue YoY
4377.5%
Net Profit YoY
179.1%
EPS (diluted)
$0.31
$-3.74

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
XLO
XLO
Q4 25
$16.9M
$13.7M
Q3 25
$416.0K
$19.1M
Q2 25
$15.8M
$8.1M
Q1 25
$382.0K
$2.9M
Q4 24
$378.0K
Q3 24
$412.0K
Q2 24
$415.0K
Q1 24
$359.0K
Net Profit
FVCB
FVCB
XLO
XLO
Q4 25
$10.4M
Q3 25
$5.6M
$-16.3M
Q2 25
$5.7M
$-15.8M
Q1 25
$5.2M
$-13.3M
Q4 24
Q3 24
$4.7M
Q2 24
$4.2M
Q1 24
$1.3M
Operating Margin
FVCB
FVCB
XLO
XLO
Q4 25
43.7%
-86.5%
Q3 25
-10.1%
Q2 25
45.9%
-177.7%
Q1 25
-472.7%
Q4 24
Q3 24
Q2 24
Q1 24
Net Margin
FVCB
FVCB
XLO
XLO
Q4 25
75.7%
Q3 25
1341.1%
-85.4%
Q2 25
36.0%
-196.0%
Q1 25
1352.1%
-452.7%
Q4 24
Q3 24
1133.3%
Q2 24
1001.2%
Q1 24
373.3%
EPS (diluted)
FVCB
FVCB
XLO
XLO
Q4 25
$0.31
$-3.74
Q3 25
$0.31
$-0.11
Q2 25
$0.31
$-0.16
Q1 25
$0.28
$-0.18
Q4 24
$0.27
Q3 24
$0.25
Q2 24
$0.23
Q1 24
$0.07

Balance Sheet & Financial Strength

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

Metric
FVCB
FVCB
XLO
XLO
Cash + ST InvestmentsLiquidity on hand
$137.5M
Total DebtLower is stronger
Stockholders' EquityBook value
$253.6M
$35.3M
Total Assets
$2.3B
$154.7M
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
FVCB
FVCB
XLO
XLO
Q4 25
$137.5M
Q3 25
$103.8M
Q2 25
$121.6M
Q1 25
$89.1M
Q4 24
Q3 24
Q2 24
Q1 24
Stockholders' Equity
FVCB
FVCB
XLO
XLO
Q4 25
$253.6M
$35.3M
Q3 25
$249.8M
$-8.1M
Q2 25
$243.2M
$7.1M
Q1 25
$242.3M
$10.7M
Q4 24
$235.4M
Q3 24
$230.8M
Q2 24
$226.5M
Q1 24
$220.7M
Total Assets
FVCB
FVCB
XLO
XLO
Q4 25
$2.3B
$154.7M
Q3 25
$2.3B
$133.7M
Q2 25
$2.2B
$133.8M
Q1 25
$2.2B
$103.7M
Q4 24
$2.2B
Q3 24
$2.3B
Q2 24
$2.3B
Q1 24
$2.2B

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
XLO
XLO
Operating Cash FlowLast quarter
$23.9M
$-2.0M
Free Cash FlowOCF − Capex
$23.8M
$-2.1M
FCF MarginFCF / Revenue
140.7%
-15.3%
Capex IntensityCapex / Revenue
0.3%
0.7%
Cash ConversionOCF / Net Profit
-0.19×
TTM Free Cash FlowTrailing 4 quarters
$40.0M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
FVCB
FVCB
XLO
XLO
Q4 25
$23.9M
$-2.0M
Q3 25
$7.6M
$-17.5M
Q2 25
$3.3M
$-14.5M
Q1 25
$5.4M
$29.0M
Q4 24
$18.2M
Q3 24
$4.7M
Q2 24
$1.6M
Q1 24
$7.2M
Free Cash Flow
FVCB
FVCB
XLO
XLO
Q4 25
$23.8M
$-2.1M
Q3 25
$7.6M
Q2 25
$3.3M
$-14.9M
Q1 25
$5.4M
$29.0M
Q4 24
$18.1M
Q3 24
$4.6M
Q2 24
$1.5M
Q1 24
$7.1M
FCF Margin
FVCB
FVCB
XLO
XLO
Q4 25
140.7%
-15.3%
Q3 25
1818.0%
Q2 25
20.8%
-184.0%
Q1 25
1413.6%
988.3%
Q4 24
4786.0%
Q3 24
1121.8%
Q2 24
361.2%
Q1 24
1988.3%
Capex Intensity
FVCB
FVCB
XLO
XLO
Q4 25
0.3%
0.7%
Q3 25
0.2%
0.0%
Q2 25
0.1%
5.0%
Q1 25
4.2%
0.8%
Q4 24
37.3%
Q3 24
14.1%
Q2 24
12.8%
Q1 24
3.9%
Cash Conversion
FVCB
FVCB
XLO
XLO
Q4 25
-0.19×
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.

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