80.21 USD
+0.01 (+0.01%)
VBFC gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. VBFC has a bad profitability rating. Also its financial health evaluation is rather negative. VBFC has a expensive valuation and it also scores bad on growth.
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.
1.2 Ratios
With a decent Return On Assets value of 0.95%, VBFC is doing good in the industry, outperforming 63.28% of the companies in the same industry.
VBFC's Return On Equity of 9.73% is fine compared to the rest of the industry. VBFC outperforms 66.25% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
The Profit Margin of VBFC (22.36%) is comparable to the rest of the industry.
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 Rank | Sector 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
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 a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of VBFC is 3.30, which is a good value as it means it would take VBFC, 3.30 years of fcf income to pay off 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.
VBFC has a Debt/Equity ratio of 0.46. This is a healthy value indicating a solid balance between debt and equity.
VBFC's Debt to Equity ratio of 0.46 is on the low side compared to the rest of the industry. VBFC is outperformed by 75.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 3.3 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.53%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
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.
The Revenue has grown by 25.73% in the past year. This is a very strong growth!
The Revenue has been growing slightly by 1.58% on average over the past years.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 16.57, the valuation of VBFC can be described as correct.
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.
Compared to an average S&P500 Price/Earnings ratio of 27.25, VBFC is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.57 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of VBFC is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.52 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
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 2.90, 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 1.92.
| Industry Rank | Sector 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.
VBFC has decreased its dividend in the last 3 years.
Dividend Growth(5Y)-22.39%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
VBFC pays out 14.92% of its income as dividend. This is a 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
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)
Earnings (Next)
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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 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.
Can you provide the profitability details for VILLAGE BANK AND TRUST FINAN?
VILLAGE BANK AND TRUST FINAN (VBFC) has a profitability rating of 3 / 10.
What are the PE and PB ratios of VILLAGE BANK AND TRUST FINAN (VBFC) stock?
The Price/Earnings (PE) ratio for VILLAGE BANK AND TRUST FINAN (VBFC) is 16.57 and the Price/Book (PB) ratio is 1.62.
How financially healthy is VILLAGE BANK AND TRUST FINAN?
The financial health rating of VILLAGE BANK AND TRUST FINAN (VBFC) is 2 / 10.