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VILLAGE BANK AND TRUST FINAN (VBFC) Stock Fundamental Analysis

USA - NASDAQ:VBFC - US92705T2006 - Common Stock

80.21 USD
+0.01 (+0.01%)
Last: 3/31/2025, 8:00:02 PM
Fundamental Rating

2

Overall VBFC gets a fundamental rating of 2 out of 10. We evaluated VBFC against 392 industry peers in the Banks industry. VBFC has a bad profitability rating. Also its financial health evaluation is rather negative. VBFC is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year VBFC was profitable.
In the past year VBFC had a positive cash flow from operations.
VBFC had positive earnings in each of the past 5 years.
VBFC had a positive operating cash flow in 4 of the past 5 years.
VBFC Yearly Net Income VS EBIT VS OCF VS FCFVBFC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10M 20M 30M 40M

1.2 Ratios

The Return On Assets of VBFC (0.95%) is better than 63.28% of its industry peers.
Looking at the Return On Equity, with a value of 9.73%, VBFC is in the better half of the industry, outperforming 66.25% of the companies in the same industry.
Industry RankSector Rank
ROA 0.95%
ROE 9.73%
ROIC N/A
ROA(3y)1.02%
ROA(5y)1.02%
ROE(3y)12.03%
ROE(5y)12.59%
ROIC(3y)N/A
ROIC(5y)N/A
VBFC Yearly ROA, ROE, ROICVBFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 20

1.3 Margins

VBFC has a Profit Margin (22.36%) which is in line with its industry peers.
In the last couple of years the Profit Margin of VBFC has declined.
VBFC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 22.36%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-33.14%
PM growth 5Y-9.49%
GM growth 3YN/A
GM growth 5YN/A
VBFC Yearly Profit, Operating, Gross MarginsVBFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20 40

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2

2. Health

2.1 Basic Checks

VBFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, VBFC has less shares outstanding
VBFC has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, VBFC has a worse debt to assets ratio.
VBFC Yearly Shares OutstandingVBFC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 500K 1M
VBFC Yearly Total Debt VS Total AssetsVBFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M

2.2 Solvency

VBFC has a debt to FCF ratio of 3.30. This is a good value and a sign of high solvency as VBFC would need 3.30 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.30, VBFC is in line with its industry, outperforming 40.94% of the companies in the same industry.
A Debt/Equity ratio of 0.46 indicates that VBFC is not too dependend on debt financing.
VBFC has a worse Debt to Equity ratio (0.46) than 75.19% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.46
Debt/FCF 3.3
Altman-Z N/A
ROIC/WACCN/A
WACC10.53%
VBFC Yearly LT Debt VS Equity VS FCFVBFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20M 40M 60M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
VBFC Yearly Current Assets VS Current LiabilitesVBFC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M

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3

3. Growth

3.1 Past

VBFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 200.47%, which is quite impressive.
Measured over the past years, VBFC shows a decrease in Earnings Per Share. The EPS has been decreasing by -8.75% on average per year.
Looking at the last year, VBFC shows a very strong growth in Revenue. The Revenue has grown by 25.73%.
Measured over the past years, VBFC shows a small growth in Revenue. The Revenue has been growing by 1.58% on average per year.
EPS 1Y (TTM)200.47%
EPS 3Y-39.61%
EPS 5Y-8.75%
EPS Q2Q%181.9%
Revenue 1Y (TTM)25.73%
Revenue growth 3Y-9.12%
Revenue growth 5Y1.58%
Sales Q2Q%246.64%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
VBFC Yearly Revenue VS EstimatesVBFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M

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1

4. Valuation

4.1 Price/Earnings Ratio

VBFC is valuated correctly with a Price/Earnings ratio of 16.57.
VBFC's Price/Earnings ratio is a bit more expensive when compared to the industry. VBFC is more expensive than 77.92% of the companies in the same industry.
VBFC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.41.
Industry RankSector Rank
PE 16.57
Fwd PE N/A
VBFC Price Earnings VS Forward Price EarningsVBFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

VBFC's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 11.52
EV/EBITDA N/A
VBFC Per share dataVBFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

VBFC has a yearly dividend return of 0.90%, which is pretty low.
Compared to an average industry Dividend Yield of 3.73, VBFC's dividend is way lower than its industry peers. On top of this 84.37% of the companies listed in the same industry pay a better dividend than VBFC!
With a Dividend Yield of 0.90, VBFC pays less dividend than the S&P500 average, which is at 2.38.
Industry RankSector Rank
Dividend Yield 0.9%

5.2 History

The dividend of VBFC decreases each year by -22.39%.
VBFC has been paying a dividend for over 5 years, so it has already some track record.
The dividend of VBFC decreased in the last 3 years.
Dividend Growth(5Y)-22.39%
Div Incr Years2
Div Non Decr Years2
VBFC Yearly Dividends per shareVBFC Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

14.92% of the earnings are spent on dividend by VBFC. This is a low number and sustainable payout ratio.
VBFC's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP14.92%
EPS Next 2YN/A
EPS Next 3YN/A
VBFC Yearly Income VS Free CF VS DividendVBFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10M 20M 30M 40M
VBFC Dividend Payout.VBFC Dividend Payout, showing the Payout Ratio.VBFC Dividend Payout.PayoutRetained Earnings

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VILLAGE BANK AND TRUST FINAN

NASDAQ:VBFC (3/31/2025, 8:00:02 PM)

80.21

+0.01 (+0.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23 2025-01-23
Earnings (Next)04-24 2025-04-24
Inst Owners20.45%
Inst Owner Change-98.5%
Ins Owners6.05%
Ins Owner Change-4.67%
Market Cap120.31M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.9%
Yearly Dividend0.66
Dividend Growth(5Y)-22.39%
DP14.92%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-07 2025-03-07 (0.18)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 16.57
Fwd PE N/A
P/S 3.73
P/FCF 11.52
P/OCF 11.16
P/B 1.62
P/tB 1.62
EV/EBITDA N/A
EPS(TTM)4.84
EY6.03%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)6.96
FCFY8.68%
OCF(TTM)7.19
OCFY8.96%
SpS21.53
BVpS49.47
TBVpS49.47
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.95%
ROE 9.73%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.36%
GM N/A
FCFM 32.33%
ROA(3y)1.02%
ROA(5y)1.02%
ROE(3y)12.03%
ROE(5y)12.59%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-33.14%
PM growth 5Y-9.49%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.46
Debt/FCF 3.3
Debt/EBITDA N/A
Cap/Depr 52.31%
Cap/Sales 1.05%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 144.55%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC10.53%
ROIC/WACCN/A
Cap/Depr(3y)99.26%
Cap/Depr(5y)77.93%
Cap/Sales(3y)1.86%
Cap/Sales(5y)1.49%
Profit Quality(3y)226.91%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)200.47%
EPS 3Y-39.61%
EPS 5Y-8.75%
EPS Q2Q%181.9%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)25.73%
Revenue growth 3Y-9.12%
Revenue growth 5Y1.58%
Sales Q2Q%246.64%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-33.24%
FCF growth 3YN/A
FCF growth 5Y-8.83%
OCF growth 1Y-32.67%
OCF growth 3YN/A
OCF growth 5Y-6.91%