VILLAGE BANK AND TRUST FINAN (VBFC)
US92705T2006 - Common Stock
Overall VBFC gets a fundamental rating of 1 out of 10. We evaluated VBFC against 412 industry peers in the Banks industry. Both the profitability and financial health of VBFC have multiple concerns. VBFC is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year VBFC was profitable.
VBFC had a positive operating cash flow in the past year.
VBFC had positive earnings in each of the past 5 years.
Of the past 5 years VBFC 4 years had a positive operating cash flow.
1.2 Ratios
VBFC's Return On Assets of 0.26% is on the low side compared to the rest of the industry. VBFC is outperformed by 87.62% of its industry peers.
With a Return On Equity value of 2.85%, VBFC is not doing good in the industry: 86.65% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.26% | ||
| ROE | 2.85% | ||
| 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 (7.61%) is worse than 89.56% of 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 7.61% | ||
| 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.
VBFC has less shares outstanding than it did 1 year ago.
VBFC has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, VBFC has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of VBFC is 13.70, which is on the high side as it means it would take VBFC, 13.70 years of fcf income to pay off all of its debts.
VBFC's Debt to FCF ratio of 13.70 is on the low side compared to the rest of the industry. VBFC is outperformed by 81.07% of its industry peers.
A Debt/Equity ratio of 0.88 indicates that VBFC is somewhat dependend on debt financing.
VBFC's Debt to Equity ratio of 0.88 is on the low side compared to the rest of the industry. VBFC is outperformed by 82.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.88 | ||
| Debt/FCF | 13.7 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.62%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
VBFC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -77.19%.
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.
The Revenue for VBFC has decreased by -21.88% in the past year. This is quite bad
The Revenue has been growing slightly by 1.58% on average over the past years.
EPS 1Y (TTM)-77.19%
EPS 3Y-39.61%
EPS 5Y-8.75%
EPS growth Q2Q-22.17%
Revenue 1Y (TTM)-21.87%
Revenue growth 3Y-9.12%
Revenue growth 5Y1.58%
Revenue growth Q2Q-5.31%
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
VBFC is valuated quite expensively with a Price/Earnings ratio of 33.07.
Based on the Price/Earnings ratio, VBFC is valued expensively inside the industry as 90.29% of the companies are valued cheaper.
Compared to an average S&P500 Price/Earnings ratio of 28.06, VBFC is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 33.07 | ||
| Fwd PE | N/A |
4.2 Price Multiples
73.54% of the companies in the same industry are cheaper than VBFC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.74 | ||
| 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 Yield of 1.71%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.84, VBFC is paying slightly less dividend.
VBFC's Dividend Yield is slightly below the S&P500 average, which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.71% |
5.2 History
The dividend of VBFC decreases each year by -22.39%.
VBFC has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)-22.39%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
VBFC pays out 51.04% of its income as dividend. This is a bit on the high side, but may be sustainable.
The Dividend Rate of VBFC has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP51.04%
EPS Next 2YN/A
EPS Next 3YN/A
VILLAGE BANK AND TRUST FINAN
NASDAQ:VBFC (5/2/2024, 7:25:20 PM)
42.66
-0.21 (-0.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap63.99M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.71% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(4)
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EPS beat(8)
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EPS beat(16)
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Revenue beat(2)
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Revenue beat(8)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 33.07 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.26% | ||
| ROE | 2.85% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 7.61% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.88 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-77.19%
EPS 3Y-39.61%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-21.87%
Revenue growth 3Y-9.12%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y