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 : 7/10

vs
industry
vs
history
Cash to Debt 1.31
VCBI's Cash to Debt is ranked higher than
75% of the 1274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. VCBI: 1.31 )
VCBI' s 10-Year Cash to Debt Range
Min: 0.2   Max: No Debt
Current: 1.31

Equity to Asset 0.10
VCBI's Equity to Asset is ranked higher than
65% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. VCBI: 0.10 )
VCBI' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.1
Current: 0.1

0.05
0.1
Interest Coverage 1.72
VCBI's Interest Coverage is ranked higher than
74% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. VCBI: 1.72 )
VCBI' s 10-Year Interest Coverage Range
Min: 0.25   Max: 1.72
Current: 1.72

0.25
1.72
F-Score: 3
Z-Score: 0.25
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 : 7/10

vs
industry
vs
history
Operating margin (%) 36.31
VCBI's Operating margin (%) is ranked higher than
82% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. VCBI: 36.31 )
VCBI' s 10-Year Operating margin (%) Range
Min: -59.42   Max: 49.17
Current: 36.31

-59.42
49.17
Net-margin (%) 24.25
VCBI's Net-margin (%) is ranked higher than
80% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.45 vs. VCBI: 24.25 )
VCBI' s 10-Year Net-margin (%) Range
Min: -38.28   Max: 32.19
Current: 24.25

-38.28
32.19
ROE (%) 12.27
VCBI's ROE (%) is ranked higher than
88% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.96 vs. VCBI: 12.27 )
VCBI' s 10-Year ROE (%) Range
Min: -15.23   Max: 20.96
Current: 12.27

-15.23
20.96
ROA (%) 1.07
VCBI's ROA (%) is ranked higher than
84% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. VCBI: 1.07 )
VCBI' s 10-Year ROA (%) Range
Min: -1.22   Max: 1.31
Current: 1.07

-1.22
1.31
ROC (Joel Greenblatt) (%) 447.50
VCBI's ROC (Joel Greenblatt) (%) is ranked higher than
96% of the 1430 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. VCBI: 447.50 )
VCBI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -375.01   Max: 447.5
Current: 447.5

-375.01
447.5
Revenue Growth (%) 4.10
VCBI's Revenue Growth (%) is ranked higher than
81% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. VCBI: 4.10 )
VCBI' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 34.5
Current: 4.1

0
34.5
» VCBI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2013

VCBI Guru Trades in Q1 2013

Jeremy Grantham 51,900 sh (New)
Jim Simons 221,800 sh (New)
Chuck Royce 252,888 sh (unchged)
Columbia Wanger 41,000 sh (-93.44%)
» More
Q2 2013

VCBI Guru Trades in Q2 2013

Jeremy Grantham 102,271 sh (+97.05%)
Jim Simons 306,100 sh (+38.01%)
Columbia Wanger 41,000 sh (unchged)
Chuck Royce 215,888 sh (-14.63%)
» More
Q3 2013

VCBI Guru Trades in Q3 2013

Jim Simons 363,900 sh (+18.88%)
Columbia Wanger 41,000 sh (unchged)
Chuck Royce 215,888 sh (unchged)
Jeremy Grantham Sold Out
» More
Q4 2013

VCBI Guru Trades in Q4 2013

Jim Simons 448,900 sh (+23.36%)
Chuck Royce 215,888 sh (unchged)
Columbia Wanger 41,000 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with VCBI



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 23.10
VCBI's P/E(ttm) is ranked lower than
57% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. VCBI: 23.10 )
VCBI' s 10-Year P/E(ttm) Range
Min: 5.13   Max: 37.03
Current: 23.1

5.13
37.03
P/B 2.03
VCBI's P/B is ranked lower than
63% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. VCBI: 2.03 )
VCBI' s 10-Year P/B Range
Min: 0.34   Max: 5.73
Current: 2.03

0.34
5.73
P/S 4.85
VCBI's P/S is ranked lower than
71% of the 1640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. VCBI: 4.85 )
VCBI' s 10-Year P/S Range
Min: 0.67   Max: 26.7
Current: 4.85

0.67
26.7
PFCF 13.01
VCBI's PFCF is ranked lower than
63% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. VCBI: 13.01 )
VCBI' s 10-Year PFCF Range
Min: 2.63   Max: 47.4
Current: 13.01

2.63
47.4
EV-to-EBIT 15.47
VCBI's EV-to-EBIT is ranked higher than
64% of the 1410 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.82 vs. VCBI: 15.47 )
VCBI' s 10-Year EV-to-EBIT Range
Min: 4.3   Max: 56.4
Current: 15.47

4.3
56.4
Shiller P/E 54.10
VCBI's Shiller P/E is ranked lower than
69% of the 841 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.04 vs. VCBI: 54.10 )
VCBI' s 10-Year Shiller P/E Range
Min: 3.63   Max: 63.49
Current: 54.1

3.63
63.49

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.00
VCBI's Price/Tangible Book is ranked lower than
56% of the 1362 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. VCBI: 2.00 )
VCBI' s 10-Year Price/Tangible Book Range
Min: 0.34   Max: 4.64
Current: 2

0.34
4.64
Price/DCF (Projected) 1.10
VCBI's Price/DCF (Projected) is ranked lower than
59% of the 904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. VCBI: 1.10 )
VCBI' s 10-Year Price/DCF (Projected) Range
Min: 0.17   Max: 3.25
Current: 1.1

0.17
3.25
Price/Median PS Value 1.20
VCBI's Price/Median PS Value is ranked higher than
50% of the 1478 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. VCBI: 1.20 )
VCBI' s 10-Year Price/Median PS Value Range
Min: 0.16   Max: 7.74
Current: 1.2

0.16
7.74
Price/Graham Number 1.30
VCBI's Price/Graham Number is ranked lower than
56% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. VCBI: 1.30 )
VCBI' s 10-Year Price/Graham Number Range
Min: 0.41   Max: 2.15
Current: 1.3

0.41
2.15
Earnings Yield (Greenblatt) 6.50
VCBI's Earnings Yield (Greenblatt) is ranked higher than
69% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. VCBI: 6.50 )
VCBI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.8   Max: 23.2
Current: 6.5

1.8
23.2
Forward Rate of Return (Yacktman) 4.88
VCBI's Forward Rate of Return (Yacktman) is ranked higher than
56% of the 1095 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.48 vs. VCBI: 4.88 )
VCBI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.5   Max: 41.5
Current: 4.88

4.5
41.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Virginia Commerce Bancorp was organized under Virginia law on November 5, 1999 to become the holding company for Virginia Commerce Bank (the Bank). The Company engages in a general commercial banking business through the Bank, its sole direct operating subsidiary. The Bank's customer base includes small-to-medium-sized businesses, including firms that have contracts with the U.S. government, associations, retailers and industrial businesses, professionals and business executives and consumers. The Bank currently has approximately twenty-seven additional full service branch offices throughout Northern Virginia, an investment services office in Vienna, Virginia, and a residential mortgage lending office in Chantilly, Virginia. The economic base of the Bank's service area includes Arlington, Fairfax, Fauquier, Loudoun, Prince William, Spotsylvania and Stafford Counties and the City of Alexandria in Northern Virginia, and the metropolitan Washington, D.C. area generally. Northern Virginia has experienced significant population and economic growth during the past decade. The Bank participated in this growth through its commercial and retail banking activities. The Bank's main service area consists of the Northern Virginia suburbs of Washington D.C., including Arlington Fairfax, Fauquier, Loudoun, Prince William, Spotsylvania and Stafford Counties and the cities of Alexandria, Fairfax, Falls Church, Fredericksburg, Manassas and Manassas Park. Its service area also covers, to a lesser extent, Washington, D.C. and the nearby Maryland counties of Montgomery and Prince Georges. The Bank offers an array of lending services to its customers, including commercial loans, commercial real estate loans, lines of credit, equipment financing, construction loans, letters of credit, residential mortgages, personal loans, auto loans and home equity loans and lines of credit. Loan terms, including interest rates, loan-to-value ratios, and maturities, are tailored as much as possible to meet the needs of the borrower within prudent lending guidelines in terms of interest rate risk and credit risk. The Company is subject to supervision by the Federal Reserve Board.

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

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)
Free 7-day Trial
FEEDBACK
Hide