10 Year Financial Data of Village Bank and Trust Financial Corporation (VBFC)

1.75 (1y: +25%)

Market Cap	7.9 M	P/E(ttm)
Enterprise Value	45.28 M	P/B	0.30

VBFC- NAS (USA)
Village Bank and Trust Financial Corporation

Currently 1/5

Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$1.75

2 Severe Warning Signs 1 Medium Warning Sign

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	10.4	7	1.5
EBITDA Growth (%)	0	0	0
Free Cash Flow Growth (%)	0	0	-116.1
Book Value Growth (%)	-0.1	-0.1	-31.3

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Dec11	Mar12	Jun12	Sep12	Dec12

Revenue per Share ($)	2.68	3.47	4.92	5.36	5.37	5.74	5.93	7.15	7.18	7.30	7.29	2.00	1.67	1.76	1.94	1.92
EBITDA per Share	0.33	0.45	1.01	1.07	0.82	0.50	-3.60	0.81	-2.55	-1.17	-1.18	-1.07	-0.25	-1.28	0.01	0.34
Free Cashflow per Share	-0.36	-0.38	0.19	0.40	-0.20	-3.99	0.39	0.53	2.73	-0.45	-0.44	-1.56	0.18	-0.38	0.01	-0.25
Earnings per Share ($)	0.04	0.45	0.61	0.59	0.37	0.16	-2.84	0.13	-2.99	-2.65	-2.65	-1.68	-0.38	-2.33	-0.14	0.20
Book Value per Share	8.00	7.83	8.50	10.81	9.94	15.32	11.57	11.40	8.54	5.87	5.87	8.54	8.07	5.89	5.67	5.87
Month End Stock Price	12.40	11.60	12.85	14.20	10.70	4.50	2.33	1.49	1.25	0.95	0.95	1.25	1.98	1.25	1.05	0.95
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Dec11	Mar12	Jun12	Sep12	Dec12

Return on Equity %	0.50	5.80	7.20	5.50	3.70	1.00	-23.50	3.00	-32.60	-41.70	17.60	-76.40	-16.40	-156	-6.00	17.60
Return on Assets %	0.10	0.50	0.60	0.50	0.30	0.10	-1.90	0.20	-2.00	-2.00	0.80	-4.80	-1.20	-7.60	-0.40	0.80
Return on Capital - Joel Greenblatt %	2.10	15.30	130	31.50	8.70	1.80	-57.30	9.60	--	-53.40	37.60	--	--	-290	-15.20	37.60
Debt to Equity	0.35	0.32	0.56	0.38	0.92	1.06	1.08	0.86	1.20	1.47	1.47	1.20	1.22	1.36	1.38	1.47

Operating Margin %	1.50	7.90	17.10	16.50	10.40	4.10	-65.70	7.10	-40.20	-20.40	13.60	-57.90	-19.70	-78.20	-2.50	13.60
Net Margin %	1.50	13.00	12.40	11.00	6.90	2.70	-45.90	4.70	-38.80	-33.50	13.50	-81.50	-19.70	-130	-4.50	13.50

Debt to Revenue	1.05	0.73	0.97	0.78	1.70	2.83	2.10	1.38	1.43	1.18	4.49	5.13	5.90	4.55	4.05	4.49
Interest Exp. to Revenue %	68.54	73.51	70.92	80.47	81.64	75.79	66.96	63.71	64.42	57.03	57.57	55.38	62.18	58.11	51.13	57.57

Asset Turnover	0.04	0.04	0.05	0.04	0.04	0.03	0.04	0.05	0.05	0.06	0.02	0.02	0.01	0.01	0.02	0.02
Buyback Ratio	--	--	--	--	--	-385	--	--	--	--	--	--	--	--	--	--
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Dec11	Mar12	Jun12	Sep12	Dec12

Net Interest Income	3.12	4.88	7.05	10.23	11.86	13.10	16.79	19.30	19.64	17.70	17.70	4.70	4.42	4.35	4.22	4.71
Non Interest Income	1.43	1.76	2.89	2.48	2.67	4.19	8.29	10.99	10.84	13.34	13.33	3.78	2.69	3.14	4.03	3.48
Revenue	4.56	6.64	9.94	12.72	14.53	17.29	25.07	30.29	30.48	31.04	31.03	8.48	7.11	7.49	8.25	8.19

Selling, General, &Admin. Expense	2.35	3.25	4.68	6.11	7.28	8.76	12.65	14.50	14.47	15.15	15.15	4.52	3.27	3.46	3.66	4.77
Credit Losses Provision	0.40	0.53	0.46	0.80	1.19	2.01	13.22	4.84	18.76	9.10	9.10	7.35	1.74	6.66	0.70	--
Other Expenses	1.24	1.98	2.76	3.27	3.83	5.02	14.44	7.49	8.07	11.78	11.77	1.16	3.17	2.80	3.83	1.97
Earnings Before DDA	0.57	0.87	2.04	2.54	2.23	1.51	-15.23	3.45	-10.83	-4.98	-4.98	-4.56	-1.06	-5.43	0.06	1.45

Depreciation, Depletion and Amortization	0.50	0.35	0.34	0.44	0.71	0.80	1.25	1.31	1.42	1.37	1.37	0.35	0.34	0.42	0.27	0.34

Operating Income	0.07	0.52	1.70	2.10	1.52	0.71	-16.48	2.14	-12.25	-6.34	-6.34	-4.91	-1.40	-5.85	-0.21	1.12
Net Income	0.07	0.86	1.23	1.40	1.00	0.47	-11.51	1.43	-11.82	-10.40	-10.40	-6.92	-1.40	-9.74	-0.37	1.11

Preferred dividends	--	--	--	--	--	--	0.50	0.88	0.88	0.88	0.88	0.22	0.22	0.19	0.22	0.25
Earnings per Share ($)	0.04	0.45	0.61	0.59	0.37	0.16	-2.84	0.13	-2.99	-2.65	-2.65	-1.68	-0.38	-2.33	-0.14	0.20
Total Shares Outstanding	1.70	1.92	2.02	2.37	2.71	3.01	4.23	4.24	4.24	4.25	4.26	4.24	4.25	4.25	4.25	4.26
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Dec11	Mar12	Jun12	Sep12	Dec12

Cash and cash equivalents	3.55	3.64	6.39	5.70	5.75	13.11	13.89	9.39	55.56	13.95	13.95	55.56	41.06	23.27	26.06	13.95
Money Market Investments	2.02	4.96	19.44	11.50	16.36	13.49	6.78	2.62	7.23	39.19	39.19	7.23	1.54	3.84	0.15	39.19
Net Loan	93.03	137	173	242	327	469	465	466	429	369	369	429	416	399	386	369
Securities & Investments	8.62	5.43	2.98	12.79	13.71	24.30	54.86	53.60	30.16	25.15	25.15	30.16	35.36	36.70	33.42	25.15
Accounts Receivable	0.39	0.61	0.94	2.30	2.75	3.50	3.37	2.35	2.05	1.68	1.68	2.05	1.90	1.91	1.80	1.68
Property, Plant and Equipment	6.08	6.22	7.20	11.68	19.16	28.17	27.80	27.44	26.83	25.82	25.82	26.83	26.53	26.29	26.07	25.82
Intangible Assets	0.93	0.69	0.69	0.69	0.69	7.42	--	--	--	--	--	--	--	--	--	--
Other Assets	0.44	1.73	4.03	4.92	7.47	13.42	31.72	29.96	31.15	35.23	35.23	31.15	33.42	33.81	35.20	35.23
Total Assets	115	160	215	291	393	572	603	592	582	510	510	582	555	524	508	510

Total Deposits	96.32	140	187	253	339	466	498	499	486	436	436	486	465	450	435	436
Accounts Payable	0.11	0.18	0.22	0.43	0.59	1.02	0.50	0.41	0.59	0.91	0.91	0.59	0.67	0.70	0.82	0.91
Current Portion of Long-Term Debt	0.80	0.84	0.49	0.70	3.97	23.96	14.83	4.17	5.78	--	--	5.78	5.21	5.06	5.35	--
Long-Term Debt	4.00	4.00	9.16	9.16	20.76	25.00	37.76	37.51	37.75	36.76	36.76	37.75	36.75	29.00	28.00	36.76
Other liabilities	0.23	0.28	1.21	1.98	1.75	10.04	2.64	2.36	15.82	11.12	11.12	15.82	13.04	14.22	14.89	11.12
Total Liabilities	101	145	198	266	366	526	554	543	545	485	485	545	521	499	484	485

Common Stock	6.84	7.05	7.42	10.25	10.30	16.92	16.92	16.95	16.97	17.01	17.01	16.97	17.01	17.01	17.01	17.01
Preferred Stock	--	--	--	--	--	--	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06
Retained Earnings	-1.51	-0.65	0.59	1.99	2.99	3.45	-8.65	-9.19	-21.90	-33.17	-33.17	-21.90	-23.52	-33.44	-34.03	-33.17
Additional Paid-In Capital	8.30	8.62	9.19	13.59	13.73	25.74	40.57	40.63	40.73	40.71	40.71	40.73	40.70	40.70	40.71	40.71
Total Equity	13.59	14.99	17.15	25.64	26.89	46.16	48.94	48.32	36.25	24.96	24.96	36.25	34.31	25.05	24.10	24.96
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Dec11	Mar12	Jun12	Sep12	Dec12

Net Income	0.07	0.86	1.23	1.40	1.00	0.47	-11.51	1.43	-11.82	-10.40	-10.40	-6.92	-1.40	-9.74	-0.37	1.11
Depreciation, Depletion and Amortization	0.50	0.35	0.34	0.44	0.71	0.80	1.25	1.31	1.42	1.37	1.37	0.35	0.34	0.42	0.27	0.34
Cash Flow from Others	-1.18	-1.94	-1.19	-0.90	-2.26	-4.35	12.93	0.57	22.79	7.48	7.48	0.03	1.85	7.87	0.20	-2.44
Cash Flow from Operations	-0.61	-0.73	0.38	0.94	-0.55	-3.09	2.67	3.31	12.38	-1.55	-1.55	-6.53	0.80	-1.45	0.10	-1.00

Investment for Property, Plant & Equipement	--	--	--	--	--	-8.95	-1.02	-1.08	-0.81	-0.36	-0.36	-0.07	-0.05	-0.18	-0.05	-0.08
Cash Flow from Acquisitions	-0.93	--	--	--	--	-0.06	--	--	--	--	--	--	--	--	--	--
Cash Flow from Investing	-32.01	-40.49	-35.63	-83.55	-95.53	-20.80	-49.77	-1.03	41.45	51.77	51.77	33.18	0.72	8.83	15.01	27.23

Net Issuance of Stock	0.11	0.52	0.95	7.20	0.13	1.80	--	--	--	--	--	--	--	--	--	--
Net Issuance of Preferred Stock	--	--	--	--	--	--	14.74	--	--	--	--	--	--	--	--	--
Net Issuance of Debt	2.80	0.03	-0.35	0.22	11.27	29.84	-5.13	-10.91	10.61	-9.75	-9.75	0.67	-1.57	-7.90	-0.71	0.43
Cash Flow for Dividends	--	--	--	--	--	--	-0.50	-0.74	-0.18	--	--	0.37	--	--	--	--
Other Financing	31.74	43.71	51.88	66.56	89.60	-3.28	32.05	0.73	-13.49	-50.13	-50.13	-18.65	-20.13	-14.97	-15.28	0.25
Cash Flow from Financing	34.65	44.25	52.48	73.98	101	28.37	41.16	-10.92	-3.06	-59.88	-59.88	-17.61	-21.70	-22.87	-15.99	0.68

Net Change in Cash	2.03	3.04	17.23	-8.63	4.92	4.49	-5.94	-8.65	50.77	-9.66	-9.66	9.04	-20.19	-15.49	-0.89	26.91

Free Cash Flow	-0.61	-0.73	0.38	0.94	-0.55	-12.04	1.65	2.23	11.58	-1.91	-1.91	-6.61	0.75	-1.63	0.05	-1.08
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Dec11	Mar12	Jun12	Sep12	Dec12

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Dec11	Mar12	Jun12	Sep12	Dec12

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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