VILLAGE BANK AND TRUST FINAN (VBFC) Fundamental Analysis & Valuation

NASDAQ:VBFC • US92705T2006

Current stock price

80.21 USD
+0.01 (+0.01%)
Last:

This VBFC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. VBFC Profitability Analysis

1.1 Basic Checks

  • VBFC had positive earnings in the past year.
  • VBFC had a positive operating cash flow in the past year.
  • In the past 5 years VBFC has always been profitable.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 0 10M 20M 30M 40M

1.2 Ratios

  • VBFC's Return On Assets of 0.95% is fine compared to the rest of the industry. VBFC outperforms 63.28% of its industry peers.
  • VBFC has a Return On Equity of 9.73%. This is in the better half of the industry: VBFC outperforms 66.25% of its industry peers.
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 2016 2017 2018 2019 2020 2021 2022 2023 0 10 20

1.3 Margins

  • VBFC has a Profit Margin of 22.36%. This is comparable to the rest of the industry: VBFC outperforms 46.40% of its industry peers.
  • In the last couple of years the Profit Margin of VBFC has declined.
  • The Operating Margin and Gross Margin are not available for VBFC so they could not be analyzed.
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 2016 2017 2018 2019 2020 2021 2022 2023 0 20 40

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2

2. VBFC Health Analysis

2.1 Basic Checks

  • VBFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • VBFC has less shares outstanding than it did 1 year ago.
  • Compared to 1 year ago, VBFC has a worse debt to assets ratio.
VBFC Yearly Shares OutstandingVBFC Yearly Shares OutstandingYearly Shares Outstanding 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 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.
  • The Debt to FCF ratio of VBFC (3.30) is comparable to the rest of the industry.
  • VBFC has a Debt/Equity ratio of 0.46. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.46, VBFC is not doing good in the industry: 75.19% of the companies in the same industry are doing better.
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 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 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. VBFC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 200.47% over the past year.
  • VBFC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -8.75% yearly.
  • VBFC shows a strong growth in Revenue. In the last year, the Revenue has grown by 25.73%.
  • VBFC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.58% yearly.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M

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1

4. VBFC Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 16.57, which indicates a correct valuation of VBFC.
  • Compared to the rest of the industry, the Price/Earnings ratio of VBFC indicates a slightly more expensive valuation: VBFC is more expensive than 77.92% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.17, VBFC is valued a bit cheaper.
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 is on the same level as 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. VBFC Dividend Analysis

5.1 Amount

  • VBFC has a yearly dividend return of 0.90%, which is pretty low.
  • Compared to an average industry Dividend Yield of 2.73, 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 1.89.
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

  • VBFC pays out 14.92% of its income as dividend. This is a sustainable payout ratio.
  • The Dividend Rate of VBFC has been decling, while earnings will also be 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 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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VBFC Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)04-24
Inst Owners20.45%
Inst Owner Change-100%
Ins Owners6.05%
Ins Owner Change0%
Market Cap120.31M
Revenue(TTM)32.30M
Net Income(TTM)7.22M
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-DateN/A
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
Graham NumberN/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
ROICexgc growth 3YN/A
ROICexgc 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%

VILLAGE BANK AND TRUST FINAN / VBFC Fundamental Analysis FAQ

What is the fundamental rating for VBFC stock?

ChartMill assigns a fundamental rating of 2 / 10 to VBFC.


What is the valuation status for VBFC stock?

ChartMill assigns a valuation rating of 1 / 10 to VILLAGE BANK AND TRUST FINAN (VBFC). This can be considered as Overvalued.


What is the profitability of VBFC stock?

VILLAGE BANK AND TRUST FINAN (VBFC) has a profitability rating of 3 / 10.


Is the dividend of VILLAGE BANK AND TRUST FINAN sustainable?

The dividend rating of VILLAGE BANK AND TRUST FINAN (VBFC) is 2 / 10 and the dividend payout ratio is 14.92%.