Switch to:

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 0.49
VBFC's Cash to Debt is ranked lower than
69% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. VBFC: 0.49 )
Ranked among companies with meaningful Cash to Debt only.
VBFC' s 10-Year Cash to Debt Range
Min: 0.17  Med: 0.52 Max: N/A
Current: 0.49
Equity to Asset 0.07
VBFC's Equity to Asset is ranked lower than
77% of the 1323 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 10-Year Equity to Asset Range
Min: 0.04  Med: 0.08 Max: 0.16
Current: 0.07
0.04
0.16
F-Score: 2
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 : 2/10

vs
industry
vs
history
Operating margin (%) -1.38
VBFC's Operating margin (%) is ranked lower than
93% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. VBFC: -1.38 )
Ranked among companies with meaningful Operating margin (%) only.
VBFC' s 10-Year Operating margin (%) Range
Min: -65.74  Med: -1.73 Max: 17.1
Current: -1.38
-65.74
17.1
Net-margin (%) -1.38
VBFC's Net-margin (%) is ranked lower than
93% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. VBFC: -1.38 )
Ranked among companies with meaningful Net-margin (%) only.
VBFC' s 10-Year Net-margin (%) Range
Min: -50.27  Med: -1.73 Max: 12.39
Current: -1.38
-50.27
12.39
ROE (%) 23.43
VBFC's ROE (%) is ranked higher than
95% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. VBFC: 23.43 )
Ranked among companies with meaningful ROE (%) only.
VBFC' s 10-Year ROE (%) Range
Min: -36.85  Med: 0.83 Max: 7.66
Current: 23.43
-36.85
7.66
ROA (%) -0.07
VBFC's ROA (%) is ranked lower than
92% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. VBFC: -0.07 )
Ranked among companies with meaningful ROA (%) only.
VBFC' s 10-Year ROA (%) Range
Min: -2.15  Med: 0.09 Max: 0.66
Current: -0.07
-2.15
0.66
ROC (Joel Greenblatt) (%) -2.12
VBFC's ROC (Joel Greenblatt) (%) is ranked lower than
92% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. VBFC: -2.12 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
VBFC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -48.64  Med: 2.27 Max: 25.32
Current: -2.12
-48.64
25.32
Revenue Growth (3Y)(%) -18.40
VBFC's Revenue Growth (3Y)(%) is ranked lower than
91% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. VBFC: -18.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
VBFC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 6.00 Max: 35
Current: -18.4
0
35
EBITDA Growth (3Y)(%) -70.30
VBFC's EBITDA Growth (3Y)(%) is ranked lower than
98% of the 1035 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. VBFC: -70.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
VBFC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -26.20 Max: 47.7
Current: -70.3
0
47.7
EPS Growth (3Y)(%) -46.30
VBFC's EPS Growth (3Y)(%) is ranked lower than
95% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. VBFC: -46.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
VBFC' s 10-Year EPS Growth (3Y)(%) Range
Min: -46.3  Med: -17.90 Max: 145.2
Current: -46.3
-46.3
145.2
» VBFC's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with VBFC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Top Ranked Articles about Village Bank and Trust Financial Corp

Weekly CFO Buys Highlight: Village Bank and Trust Financial Corp, New York & Company, Vanguard Natural Resources LLC.
According to GuruFocus Insider Data, the recent CFO sales were: Village Bank and Trust Financial Corp (NASDAQ:VBFC), New York & Company Inc. (NYSE:NWY), and Vanguard Natural Resources LLC (NASDAQ:VNR). Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 1.79
VBFC's P/E(ttm) is ranked higher than
98% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. VBFC: 1.79 )
Ranked among companies with meaningful P/E(ttm) only.
VBFC' s 10-Year P/E(ttm) Range
Min: 1.3  Med: 24.82 Max: 160.85
Current: 1.79
1.3
160.85
PE(NRI) 1.90
VBFC's PE(NRI) is ranked higher than
98% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. VBFC: 1.90 )
Ranked among companies with meaningful PE(NRI) only.
VBFC' s 10-Year PE(NRI) Range
Min: 1.3  Med: 24.83 Max: 2734.4
Current: 1.9
1.3
2734.4
P/B 0.93
VBFC's P/B is ranked higher than
60% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. VBFC: 0.93 )
Ranked among companies with meaningful P/B only.
VBFC' s 10-Year P/B Range
Min: 0.11  Med: 0.41 Max: 1.7
Current: 0.93
0.11
1.7
P/S 0.34
VBFC's P/S is ranked higher than
98% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. VBFC: 0.34 )
Ranked among companies with meaningful P/S only.
VBFC' s 10-Year P/S Range
Min: 0.08  Med: 0.56 Max: 7.11
Current: 0.34
0.08
7.11
Days Sales Outstanding 24.56
VBFC's Days Sales Outstanding is ranked higher than
71% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.98 vs. VBFC: 24.56 )
Ranked among companies with meaningful Days Sales Outstanding only.
VBFC' s 10-Year Days Sales Outstanding Range
Min: 19.72  Med: 32.90 Max: 73.9
Current: 24.56
19.72
73.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.93
VBFC's Price/Tangible Book is ranked higher than
63% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. VBFC: 0.93 )
Ranked among companies with meaningful Price/Tangible Book only.
VBFC' s 10-Year Price/Tangible Book Range
Min: 0.12  Med: 0.48 Max: 1.75
Current: 0.93
0.12
1.75
Price/Projected FCF 0.14
VBFC's Price/Projected FCF is ranked higher than
95% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. VBFC: 0.14 )
Ranked among companies with meaningful Price/Projected FCF only.
VBFC' s 10-Year Price/Projected FCF Range
Min: 0.12  Med: 0.47 Max: 25.07
Current: 0.14
0.12
25.07
Price/Median PS Value 0.59
VBFC's Price/Median PS Value is ranked higher than
93% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. VBFC: 0.59 )
Ranked among companies with meaningful Price/Median PS Value only.
VBFC' s 10-Year Price/Median PS Value Range
Min: 0.23  Med: 1.34 Max: 12.16
Current: 0.59
0.23
12.16
Price/Peter Lynch Fair Value 0.78
VBFC's Price/Peter Lynch Fair Value is ranked lower than
630% of the 358 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. VBFC: 0.78 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
VBFC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.98  Med: 1.12 Max: 2.77
Current: 0.78
0.98
2.77
Earnings Yield (Greenblatt) (%) -0.73
VBFC's Earnings Yield (Greenblatt) (%) is ranked lower than
91% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. VBFC: -0.73 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
VBFC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: -0.73  Med: 3.40 Max: 13.9
Current: -0.73
-0.73
13.9
Forward Rate of Return (Yacktman) (%) -160.52
VBFC's Forward Rate of Return (Yacktman) (%) is ranked lower than
99% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. VBFC: -160.52 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
VBFC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -144.6  Med: -41.40 Max: 176.7
Current: -160.52
-144.6
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.
» 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 

More From Other Websites
VILLAGE BANK & TRUST FINANCIAL CORP. Files SEC form 8-K/A, Change in Directors or Principal Officers Jul 14 2015
VILLAGE BANK & TRUST FINANCIAL CORP. Files SEC form 8-K, Change in Directors or Principal Officers,... Jul 08 2015
VILLAGE BANK & TRUST FINANCIAL CORP. Files SEC form 8-K, Submission of Matters to a Vote of Security... May 27 2015
VILLAGE BANK & TRUST FINANCIAL CORP. Financials May 27 2015
Village Bank and Trust Financial Corp. Reports Results of Operations for the First Quarter 2015 May 15 2015
VILLAGE BANK & TRUST FINANCIAL CORP. Files SEC form 8-K, Results of Operations and Financial... May 15 2015
Nasdaq stocks posting largest percentage decreases Apr 29 2015
VILLAGE BANK & TRUST FINANCIAL CORP. Files SEC form 8-K, Other Events Apr 08 2015
VILLAGE BANK & TRUST FINANCIAL CORP. Files SEC form 8-K/A, Unregistered Sale of Equity Securities Apr 02 2015
Village Bank and Trust Financial Corp. Successfully Completes Rights and Standby Offerings Mar 27 2015
VILLAGE BANK & TRUST FINANCIAL CORP. Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws;... Mar 27 2015
VILLAGE BANK & TRUST FINANCIAL CORP. Files SEC form 10-K, Annual Report Mar 02 2015
Village Bank and Trust Financial Corp. Reports Results of Operations for the Fourth Quarter 2014 Feb 12 2015
VILLAGE BANK & TRUST FINANCIAL CORP. Files SEC form 8-K, Results of Operations and Financial... Feb 12 2015
VILLAGE BANK & TRUST FINANCIAL CORP. Files SEC form 8-K, Notice of Delisting or Failure to Satisfy a... Feb 09 2015
VILLAGE BANK & TRUST FINANCIAL CORP. Files SEC form 8-K, Change in Directors or Principal Officers Jan 27 2015
VILLAGE BANK & TRUST FINANCIAL CORP. Files SEC form 8-K, Other Events, Financial Statements and... Jan 09 2015
VILLAGE BANK & TRUST FINANCIAL CORP. Files SEC form 8-K, Other Events Dec 19 2014
VILLAGE BANK & TRUST FINANCIAL CORP. Files SEC form 8-K, Entry into a Material Definitive Agreement,... Nov 12 2014
VILLAGE BANK & TRUST FINANCIAL CORP. Files SEC form 10-Q, Quarterly Report Oct 31 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK