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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.57
VBFC's Cash to Debt is ranked higher than
67% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. VBFC: 0.57 )
VBFC' s 10-Year Cash to Debt Range
Min: 0.17   Max: No Debt
Current: 0.57

Equity to Asset 0.04
VBFC's Equity to Asset is ranked lower than
54% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. VBFC: 0.04 )
VBFC' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.16
Current: 0.04

0.04
0.16
F-Score: 3
Z-Score: -0.07
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) -20.73
VBFC's Operating margin (%) is ranked lower than
52% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. VBFC: -20.73 )
VBFC' s 10-Year Operating margin (%) Range
Min: -65.74   Max: 17.1
Current: -20.73

-65.74
17.1
Net-margin (%) -20.73
VBFC's Net-margin (%) is ranked lower than
52% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. VBFC: -20.73 )
VBFC' s 10-Year Net-margin (%) Range
Min: -50.27   Max: 12.39
Current: -20.73

-50.27
12.39
ROE (%) -23.58
VBFC's ROE (%) is ranked lower than
53% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. VBFC: -23.58 )
VBFC' s 10-Year ROE (%) Range
Min: -33.98   Max: 7.66
Current: -23.58

-33.98
7.66
ROA (%) -1.01
VBFC's ROA (%) is ranked lower than
52% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. VBFC: -1.01 )
VBFC' s 10-Year ROA (%) Range
Min: -2.15   Max: 0.66
Current: -1.01

-2.15
0.66
ROC (Joel Greenblatt) (%) -29.88
VBFC's ROC (Joel Greenblatt) (%) is ranked lower than
52% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. VBFC: -29.88 )
VBFC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -48.64   Max: 25.32
Current: -29.88

-48.64
25.32
Revenue Growth (%) -4.00
VBFC's Revenue Growth (%) is ranked higher than
63% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. VBFC: -4.00 )
VBFC' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 35
Current: -4

0
35
» VBFC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/B 0.40
VBFC's P/B is ranked higher than
98% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. VBFC: 0.40 )
VBFC' s 10-Year P/B Range
Min: 0.01   Max: 1.7
Current: 0.4

0.01
1.7
P/S 0.30
VBFC's P/S is ranked higher than
99% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. VBFC: 0.30 )
VBFC' s 10-Year P/S Range
Min: 0.02   Max: 7.11
Current: 0.3

0.02
7.11
PFCF 1.50
VBFC's PFCF is ranked higher than
96% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. VBFC: 1.50 )
VBFC' s 10-Year PFCF Range
Min: 0.03   Max: 8.97
Current: 1.5

0.03
8.97
EV-to-EBIT -4.06
VBFC's EV-to-EBIT is ranked higher than
54% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. VBFC: -4.06 )
VBFC' s 10-Year EV-to-EBIT Range
Min: -20.3   Max: 677.6
Current: -4.06

-20.3
677.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.40
VBFC's Price/Tangible Book is ranked higher than
98% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. VBFC: 0.40 )
VBFC' s 10-Year Price/Tangible Book Range
Min: 0.12   Max: 1.75
Current: 0.4

0.12
1.75
Price/DCF (Projected) 0.10
VBFC's Price/DCF (Projected) is ranked higher than
98% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. VBFC: 0.10 )
VBFC' s 10-Year Price/DCF (Projected) Range
Min: 0.13   Max: 25.07
Current: 0.1

0.13
25.07
Price/Median PS Value 0.40
VBFC's Price/Median PS Value is ranked higher than
99% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. VBFC: 0.40 )
VBFC' s 10-Year Price/Median PS Value Range
Min: 0.17   Max: 9.04
Current: 0.4

0.17
9.04
Price/Peter Lynch Fair Value 0.90
VBFC's Price/Peter Lynch Fair Value is ranked higher than
72% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. VBFC: 0.90 )
VBFC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.98   Max: 2.77
Current: 0.9

0.98
2.77
Earnings Yield (Greenblatt) -24.60
VBFC's Earnings Yield (Greenblatt) is ranked lower than
53% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. VBFC: -24.60 )
VBFC' s 10-Year Earnings Yield (Greenblatt) Range
Min: -24.6   Max: 158
Current: -24.6

-24.6
158
Forward Rate of Return (Yacktman) -148.50
VBFC's Forward Rate of Return (Yacktman) is ranked lower than
55% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. VBFC: -148.50 )
VBFC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -881.7   Max: 176.7
Current: -148.5

-881.7
176.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Village Bank and Trust Financial Corporation was incorporated in January 2003 and was organized under the laws of the Commonwealth of Virginia as a bank holding company whose activities consist of investment in its wholly-owned subsidiary, Village Bank. The Company offers a range of banking and related financial services, including checking, savings, certificates of deposit and other depository services, and commercial, real estate and consumer loans. In addition it provides investment services through a separate division of the Bank, Village Investment Services. It is a community-oriented and locally managed financial institution focusing on providing a high level of responsive and personalized services to its customers, delivered in the context of a strong direct relationship with its customers. It conducts its operations from its main office/corporate headquarters location in Chesterfield County and it has approximately fifteen branch offices. It receives deposits, make consumer and commercial loans, and provide other services customarily offered by a commercial banking institution, such as business and personal checking and savings accounts, drive-up windows, and 24-hour automated teller machines. Its main focus is on making loans to small businesses and consumers in its local market area. It finances commercial real estate for its clients and commercial real estate loans represent the largest segment of its loan portfolio. It makes permanent residential mortgage loans for inclusion in the loan portfolio. Real Estate Construction Lending - loan portfolio is predominately residential in nature and comprised of loans with short duration, meaning maturities of twelve months or less. Its commercial business lending consists of lines of credit, revolving credit facilities, term loans, equipment loans, stand-by letters of credit and unsecured loans. Its offer various types of secured and unsecured consumer loans. It makes consumer loans mainly for personal, family or household purposes as a convenience to its customer base since these loans are not the main focus of its lending activities. The Company encounters strong competition from other local commercial banks, savings and loan associations, credit unions, mortgage banking firms, consumer finance companies, securities brokerage firms, insurance companies, money market mutual funds and other financial institutions. The Company is subject to regulations of certain federal and state agencies and receives periodic examinations by those regulatory authorities.
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