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 : 6/10

vs
industry
vs
history
Cash-to-Debt 0.97
VBFC's Cash-to-Debt is ranked lower than
65% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. VBFC: 0.97 )
Ranked among companies with meaningful Cash-to-Debt only.
VBFC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.23  Med: 0.66 Max: 1.12
Current: 0.97
0.23
1.12
Equity-to-Asset 0.10
VBFC's Equity-to-Asset is ranked lower than
52% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. VBFC: 0.10 )
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: 0.1
0.04
0.17
Interest Coverage 0.90
VBFC's Interest Coverage is ranked lower than
69% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. VBFC: 0.90 )
Ranked among companies with meaningful Interest Coverage only.
VBFC' s Interest Coverage Range Over the Past 10 Years
Min: 0.04  Med: 0.2 Max: 0.9
Current: 0.9
0.04
0.9
Beneish M-Score: -2.14
WACC vs ROIC
16.18%
39.46%
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 : 1/10

vs
industry
vs
history
Operating Margin % 9.66
VBFC's Operating Margin % is ranked lower than
87% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. VBFC: 9.66 )
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: 10.44
Current: 9.66
-65.74
10.44
Net Margin % 55.77
VBFC's Net Margin % is ranked higher than
95% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. VBFC: 55.77 )
Ranked among companies with meaningful Net Margin % only.
VBFC' s Net Margin % Range Over the Past 10 Years
Min: -50.27  Med: -1.13 Max: 55.77
Current: 55.77
-50.27
55.77
ROE % 35.41
VBFC's ROE % is ranked higher than
98% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. VBFC: 35.41 )
Ranked among companies with meaningful ROE % only.
VBFC' s ROE % Range Over the Past 10 Years
Min: -36.85  Med: -6.06 Max: 35.41
Current: 35.41
-36.85
35.41
ROA % 3.14
VBFC's ROA % is ranked higher than
93% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. VBFC: 3.14 )
Ranked among companies with meaningful ROA % only.
VBFC' s ROA % Range Over the Past 10 Years
Min: -2.15  Med: -0.07 Max: 3.14
Current: 3.14
-2.15
3.14
3-Year Revenue Growth Rate -44.80
VBFC's 3-Year Revenue Growth Rate is ranked lower than
98% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. VBFC: -44.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
VBFC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -45.5  Med: 6 Max: 35
Current: -44.8
-45.5
35
GuruFocus has detected 3 Warning Signs with Village Bank and Trust Financial Corp $VBFC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» VBFC's 10-Y Financials

Financials (Next Earnings Date: 2017-05-09 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» 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 )

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:OTCPK:CBWA, OTCPK:RIVE, OTCPK:NWPP, OTCPK:CBAF, OTCPK:PPBN, NAS:BCTF, NAS:MELR, OTCPK:BAYK, OTCPK:CFST, OTCPK:UWHR, NAS:OTTW, NAS:CART, NAS:CZFC, OTCPK:CBJC, OTCPK:PLRM, OTCPK:FIIT, OTCPK:KTHN, OTCPK:PKKW, OTCPK:FWVB, OTCPK:SBTB » details
Headquarter Location:USA
Village Bank and Trust Financial Corp is a bank holding company. The Company through its wholly-owned subsidiaries 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 3.15
VBFC's PE Ratio is ranked higher than
97% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. VBFC: 3.15 )
Ranked among companies with meaningful PE Ratio only.
VBFC' s PE Ratio Range Over the Past 10 Years
Min: 1.22  Med: 26.1 Max: 406.67
Current: 3.15
1.22
406.67
PE Ratio without NRI 3.15
VBFC's PE Ratio without NRI is ranked higher than
97% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. VBFC: 3.15 )
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: 26.1 Max: 406.67
Current: 3.15
1.22
406.67
Price-to-Owner-Earnings 3.11
VBFC's Price-to-Owner-Earnings is ranked higher than
85% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. VBFC: 3.11 )
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: 8.39 Max: 527.78
Current: 3.11
0.55
527.78
PB Ratio 0.92
VBFC's PB Ratio is ranked higher than
68% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. VBFC: 0.92 )
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: 0.92
0.11
1.7
PS Ratio 1.66
VBFC's PS Ratio is ranked higher than
84% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. VBFC: 1.66 )
Ranked among companies with meaningful PS Ratio only.
VBFC' s PS Ratio Range Over the Past 10 Years
Min: 0.08  Med: 0.48 Max: 3.24
Current: 1.66
0.08
3.24
Price-to-Free-Cash-Flow 99.48
VBFC's Price-to-Free-Cash-Flow is ranked lower than
99.99% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. VBFC: 99.48 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
VBFC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.28  Med: 1.31 Max: 103.87
Current: 99.48
0.28
103.87
Price-to-Operating-Cash-Flow 30.57
VBFC's Price-to-Operating-Cash-Flow is ranked lower than
99.99% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. VBFC: 30.57 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
VBFC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.28  Med: 1.55 Max: 48.05
Current: 30.57
0.28
48.05
EV-to-EBIT 16.43
VBFC's EV-to-EBIT is ranked lower than
66% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. VBFC: 16.43 )
Ranked among companies with meaningful EV-to-EBIT only.
VBFC' s EV-to-EBIT Range Over the Past 10 Years
Min: -297.7  Med: 16.8 Max: 163.9
Current: 16.43
-297.7
163.9
EV-to-EBITDA 12.38
VBFC's EV-to-EBITDA is ranked lower than
58% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. VBFC: 12.38 )
Ranked among companies with meaningful EV-to-EBITDA only.
VBFC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -41.7  Med: 12.4 Max: 54
Current: 12.38
-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 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 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
70% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 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 0.55
VBFC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
77% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. VBFC: 0.55 )
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: 0.52 Max: 3.87
Current: 0.55
0.13
3.87
Price-to-Median-PS-Value 3.49
VBFC's Price-to-Median-PS-Value is ranked lower than
98% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. VBFC: 3.49 )
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: 1.52 Max: 14.28
Current: 3.49
0.27
14.28
Price-to-Peter-Lynch-Fair-Value 0.95
VBFC's Price-to-Peter-Lynch-Fair-Value is ranked lower than
99.99% of the 426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. VBFC: 0.95 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
VBFC' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.95  Med: 1.13 Max: 1.13
Current: 0.95
0.95
1.13
Price-to-Graham-Number 0.36
VBFC's Price-to-Graham-Number is ranked higher than
93% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 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) % 6.09
VBFC's Earnings Yield (Greenblatt) % is ranked higher than
50% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. VBFC: 6.09 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
VBFC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.6  Med: 3.7 Max: 13.9
Current: 6.09
0.6
13.9
Forward Rate of Return (Yacktman) % -99.40
VBFC's Forward Rate of Return (Yacktman) % is ranked lower than
99% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. VBFC: -99.40 )
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: -99.4
-144.6
176.7

More Statistics

Revenue (TTM) (Mil) $24.23
EPS (TTM) $ 8.96
Beta-0.53
Short Percentage of Float0.08%
52-Week Range $19.83 - 30.00
Shares Outstanding (Mil)1.43

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)