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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
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Village Bank and Trust Financial Corporation is a bank holding company. The company through its wholly-owned subsidiary, Village Bank, offers banking & related financial services, including checking, savings and certificates of deposit.

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.

Ratios

vs
industry
vs
history
PE Ratio 3.17
VBFC's PE Ratio is ranked higher than
97% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. VBFC: 3.17 )
Ranked among companies with meaningful PE Ratio only.
VBFC' s PE Ratio Range Over the Past 10 Years
Min: 1.22  Med: 25.43 Max: 406.67
Current: 3.17
1.22
406.67
PE Ratio without NRI 3.17
VBFC's PE Ratio without NRI is ranked higher than
96% of the 1296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.49 vs. VBFC: 3.17 )
Ranked among companies with meaningful PE Ratio without NRI only.
VBFC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 1.22  Med: 25.43 Max: 406.67
Current: 3.17
1.22
406.67
Price-to-Owner-Earnings 3.26
VBFC's Price-to-Owner-Earnings is ranked higher than
87% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. VBFC: 3.26 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
VBFC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.55  Med: 9.44 Max: 527.78
Current: 3.26
0.55
527.78
PB Ratio 0.93
VBFC's PB Ratio is ranked higher than
66% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. VBFC: 0.93 )
Ranked among companies with meaningful PB Ratio only.
VBFC' s PB Ratio Range Over the Past 10 Years
Min: 0.11  Med: 0.41 Max: 1.7
Current: 0.93
0.11
1.7
PS Ratio 1.67
VBFC's PS Ratio is ranked higher than
81% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. VBFC: 1.67 )
Ranked among companies with meaningful PS Ratio only.
VBFC' s PS Ratio Range Over the Past 10 Years
Min: 0.08  Med: 0.49 Max: 3.24
Current: 1.67
0.08
3.24
EV-to-EBIT 22.07
VBFC's EV-to-EBIT is ranked lower than
75% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.64 vs. VBFC: 22.07 )
Ranked among companies with meaningful EV-to-EBIT only.
VBFC' s EV-to-EBIT Range Over the Past 10 Years
Min: -297.7  Med: 17.85 Max: 163.9
Current: 22.07
-297.7
163.9
EV-to-EBITDA 17.53
VBFC's EV-to-EBITDA is ranked lower than
70% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.46 vs. VBFC: 17.53 )
Ranked among companies with meaningful EV-to-EBITDA only.
VBFC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -41.7  Med: 13 Max: 54
Current: 17.53
-41.7
54

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -63.00
VBFC's 3-Year Average Share Buyback Ratio is ranked lower than
98% of the 977 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. VBFC: -63.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
VBFC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -73.9  Med: -13.3 Max: -1.3
Current: -63
-73.9
-1.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.93
VBFC's Price-to-Tangible-Book is ranked higher than
67% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. VBFC: 0.93 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
VBFC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.13  Med: 0.88 Max: 1.72
Current: 0.93
0.13
1.72
Price-to-Intrinsic-Value-Projected-FCF 0.58
VBFC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
73% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. VBFC: 0.58 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
VBFC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.13  Med: 0.55 Max: 3.87
Current: 0.58
0.13
3.87
Price-to-Median-PS-Value 3.40
VBFC's Price-to-Median-PS-Value is ranked lower than
98% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. VBFC: 3.40 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
VBFC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.27  Med: 1.47 Max: 13.84
Current: 3.4
0.27
13.84
Price-to-Graham-Number 0.36
VBFC's Price-to-Graham-Number is ranked higher than
93% of the 1224 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. VBFC: 0.36 )
Ranked among companies with meaningful Price-to-Graham-Number only.
VBFC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.26  Med: 1.16 Max: 4.87
Current: 0.36
0.26
4.87
Earnings Yield (Greenblatt) % 4.50
VBFC's Earnings Yield (Greenblatt) % is ranked lower than
58% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. VBFC: 4.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
VBFC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.6  Med: 3.8 Max: 13.9
Current: 4.5
0.6
13.9
Forward Rate of Return (Yacktman) % -102.11
VBFC's Forward Rate of Return (Yacktman) % is ranked lower than
99% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.03 vs. VBFC: -102.11 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
VBFC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -144.6  Med: -41.4 Max: 176.7
Current: -102.11
-144.6
176.7

More Statistics

Revenue (TTM) (Mil) $24.24
EPS (TTM) $ 8.94
Beta-0.53
Short Percentage of Float0.28%
52-Week Range $18.44 - 30.00
Shares Outstanding (Mil)1.43
» More Articles for VBFC

Headlines

Articles On GuruFocus.com
Weekly CFO Buys Highlight: Village Bank and Trust Financial Corp, New York & Company, Vanguard Natur Apr 05 2015 

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Village Bank and Trust Financial Corp. Announces the Sale of its Former Headquarters Building at the... Jun 16 2016
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