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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 : 6/10

vs
industry
vs
history
Cash to Debt 1.12
VBFC's Cash to Debt is ranked lower than
59% of the 1161 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.56 vs. VBFC: 1.12 )
Ranked among companies with meaningful Cash to Debt only.
VBFC' s Cash to Debt Range Over the Past 10 Years
Min: 0.23  Med: 0.62 Max: 1.12
Current: 1.12
0.23
1.12
Equity to Asset 0.07
VBFC's Equity to Asset is ranked lower than
79% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. VBFC: 0.07 )
Ranked among companies with meaningful Equity to Asset only.
VBFC' s Equity to Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.08 Max: 0.17
Current: 0.07
0.04
0.17
Interest Coverage 0.23
VBFC's Interest Coverage is ranked lower than
91% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. VBFC: 0.23 )
Ranked among companies with meaningful Interest Coverage only.
VBFC' s Interest Coverage Range Over the Past 10 Years
Min: 0.04  Med: 0.20 Max: 0.24
Current: 0.23
0.04
0.24
F-Score: 4
M-Score: -1.90
WACC vs ROIC
4.05%
2.05%
WACC
ROIC
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 : 3/10

vs
industry
vs
history
Operating margin (%) 2.85
VBFC's Operating margin (%) is ranked lower than
92% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.24 vs. VBFC: 2.85 )
Ranked among companies with meaningful Operating margin (%) only.
VBFC' s Operating margin (%) Range Over the Past 10 Years
Min: -65.74  Med: -1.06 Max: 16.53
Current: 2.85
-65.74
16.53
Net-margin (%) 2.85
VBFC's Net-margin (%) is ranked lower than
92% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.66 vs. VBFC: 2.85 )
Ranked among companies with meaningful Net-margin (%) only.
VBFC' s Net-margin (%) Range Over the Past 10 Years
Min: -45.91  Med: -1.13 Max: 11
Current: 2.85
-45.91
11
ROE (%) 23.50
VBFC's ROE (%) is ranked higher than
94% of the 1669 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. VBFC: 23.50 )
Ranked among companies with meaningful ROE (%) only.
VBFC' s ROE (%) Range Over the Past 10 Years
Min: -36.85  Med: -6.06 Max: 26.68
Current: 23.5
-36.85
26.68
ROA (%) 0.15
VBFC's ROA (%) is ranked lower than
90% of the 1679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. VBFC: 0.15 )
Ranked among companies with meaningful ROA (%) only.
VBFC' s ROA (%) Range Over the Past 10 Years
Min: -2.01  Med: -0.07 Max: 0.55
Current: 0.15
-2.01
0.55
Revenue Growth (3Y)(%) -45.50
VBFC's Revenue Growth (3Y)(%) is ranked lower than
98% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. VBFC: -45.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
VBFC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 4.90 Max: 35
Current: -45.5
0
35
» VBFC's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-05-15)


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

» Details

Insider Trades

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Ratios

vs
industry
vs
history
P/E(ttm) 1.27
VBFC's P/E(ttm) is ranked higher than
99% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. VBFC: 1.27 )
Ranked among companies with meaningful P/E(ttm) only.
VBFC' s P/E(ttm) Range Over the Past 10 Years
Min: 1.18  Med: 23.21 Max: 364.53
Current: 1.27
1.18
364.53
PE(NRI) 1.27
VBFC's PE(NRI) is ranked higher than
99% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.57 vs. VBFC: 1.27 )
Ranked among companies with meaningful PE(NRI) only.
VBFC' s PE(NRI) Range Over the Past 10 Years
Min: 1.18  Med: 22.94 Max: 93.33
Current: 1.27
1.18
93.33
Price/Owner Earnings (ttm) 30.09
VBFC's Price/Owner Earnings (ttm) is ranked lower than
91% of the 878 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.23 vs. VBFC: 30.09 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
VBFC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 0.55  Med: 13.07 Max: 2964.71
Current: 30.09
0.55
2964.71
P/B 0.93
VBFC's P/B is ranked higher than
58% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. VBFC: 0.93 )
Ranked among companies with meaningful P/B only.
VBFC' s P/B Range Over the Past 10 Years
Min: 0.11  Med: 0.41 Max: 1.7
Current: 0.93
0.11
1.7
P/S 0.78
VBFC's P/S is ranked higher than
94% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. VBFC: 0.78 )
Ranked among companies with meaningful P/S only.
VBFC' s P/S Range Over the Past 10 Years
Min: 0.08  Med: 0.49 Max: 5.89
Current: 0.78
0.08
5.89
EV-to-EBIT 40.76
VBFC's EV-to-EBIT is ranked lower than
90% of the 1501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.32 vs. VBFC: 40.76 )
Ranked among companies with meaningful EV-to-EBIT only.
VBFC' s EV-to-EBIT Range Over the Past 10 Years
Min: -297.7  Med: 17.50 Max: 163.9
Current: 40.76
-297.7
163.9
EV-to-EBITDA 17.68
VBFC's EV-to-EBITDA is ranked lower than
72% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.32 vs. VBFC: 17.68 )
Ranked among companies with meaningful EV-to-EBITDA only.
VBFC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -41.7  Med: 14.00 Max: 54
Current: 17.68
-41.7
54

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.93
VBFC's Price/Tangible Book is ranked higher than
61% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. VBFC: 0.93 )
Ranked among companies with meaningful Price/Tangible Book only.
VBFC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.13  Med: 0.69 Max: 1.72
Current: 0.93
0.13
1.72
Price/Projected FCF 0.42
VBFC's Price/Projected FCF is ranked higher than
77% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. VBFC: 0.42 )
Ranked among companies with meaningful Price/Projected FCF only.
VBFC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.13  Med: 0.53 Max: 4.48
Current: 0.42
0.13
4.48
Price/Median PS Value 1.59
VBFC's Price/Median PS Value is ranked lower than
91% of the 1530 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. VBFC: 1.59 )
Ranked among companies with meaningful Price/Median PS Value only.
VBFC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.27  Med: 1.42 Max: 14.03
Current: 1.59
0.27
14.03
Price/Peter Lynch Fair Value 0.52
VBFC's Price/Peter Lynch Fair Value is ranked lower than
99.99% of the 433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. VBFC: 0.52 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
VBFC' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.98  Med: 0.98 Max: 0.98
Current: 0.52
Price/Graham Number 0.23
VBFC's Price/Graham Number is ranked higher than
87% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. VBFC: 0.23 )
Ranked among companies with meaningful Price/Graham Number only.
VBFC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.26  Med: 1.17 Max: 4.87
Current: 0.23
0.26
4.87
Earnings Yield (Greenblatt) (%) 2.47
VBFC's Earnings Yield (Greenblatt) (%) is ranked lower than
82% of the 1641 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. VBFC: 2.47 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
VBFC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.6  Med: 3.45 Max: 13.9
Current: 2.47
0.6
13.9
Forward Rate of Return (Yacktman) (%) -150.71
VBFC's Forward Rate of Return (Yacktman) (%) is ranked lower than
99% of the 839 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.21 vs. VBFC: -150.71 )
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: -41.30 Max: 176.7
Current: -150.71
-144.6
176.7

More Statistics

Revenue(Mil) $23
EPS $ 15.50
Beta-0.65
Short Percentage of Float0.48%
52-Week Range $18.00 - 24.49
Shares Outstanding(Mil)1.42

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:PNBK, NAS:SBFG, NAS:BOTJ, NAS:EMCF, NAS:USBI, OTCPK:BNCC » 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.
» More Articles for VBFC

Headlines

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

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