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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

vs
industry
vs
history
Cash to Debt 1.09
VCBI's Cash to Debt is ranked higher than
74% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. VCBI: 1.09 )
VCBI' s 10-Year Cash to Debt Range
Min: 0.68   Max: 11.3
Current: 1.09

0.68
11.3
Equity to Asset 0.10
VCBI's Equity to Asset is ranked higher than
72% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 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 2.02
VCBI's Interest Coverage is ranked higher than
76% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. VCBI: 2.02 )
VCBI' s 10-Year Interest Coverage Range
Min: 0.25   Max: 2.02
Current: 2.02

0.25
2.02
F-Score: 3
Z-Score: 0.30
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

vs
industry
vs
history
Operating margin (%) 38.17
VCBI's Operating margin (%) is ranked higher than
86% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. VCBI: 38.17 )
VCBI' s 10-Year Operating margin (%) Range
Min: -59.42   Max: 49.17
Current: 38.17

-59.42
49.17
Net-margin (%) 25.37
VCBI's Net-margin (%) is ranked higher than
82% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. VCBI: 25.37 )
VCBI' s 10-Year Net-margin (%) Range
Min: -38.28   Max: 32.19
Current: 25.37

-38.28
32.19
ROE (%) 10.73
VCBI's ROE (%) is ranked higher than
84% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. VCBI: 10.73 )
VCBI' s 10-Year ROE (%) Range
Min: -14.12   Max: 23.82
Current: 10.73

-14.12
23.82
ROA (%) 0.98
VCBI's ROA (%) is ranked higher than
81% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. VCBI: 0.98 )
VCBI' s 10-Year ROA (%) Range
Min: -1.22   Max: 1.5
Current: 0.98

-1.22
1.5
ROC (Joel Greenblatt) (%) 450.55
VCBI's ROC (Joel Greenblatt) (%) is ranked higher than
96% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. VCBI: 450.55 )
VCBI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -362.58   Max: 449.62
Current: 450.55

-362.58
449.62
Revenue Growth (%) -7.70
VCBI's Revenue Growth (%) is ranked higher than
58% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. VCBI: -7.70 )
VCBI' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 34.5
Current: -7.7

0
34.5
EPS Growth (%) 11.00
VCBI's EPS Growth (%) is ranked higher than
78% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. VCBI: 11.00 )
VCBI' s 10-Year EPS Growth (%) Range
Min: -15.5   Max: 46.9
Current: 11

-15.5
46.9
» VCBI's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q1 2014

VCBI Guru Trades in Q1 2014

Jim Simons Sold Out
Columbia Wanger Sold Out
Chuck Royce Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with VCBI

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



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 20.80
VCBI's P/E(ttm) is ranked higher than
70% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. VCBI: 20.80 )
VCBI' s 10-Year P/E(ttm) Range
Min: 5.13   Max: 29.9
Current: 20.8

5.13
29.9
P/B 2.02
VCBI's P/B is ranked higher than
63% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. VCBI: 2.02 )
VCBI' s 10-Year P/B Range
Min: 0.34   Max: 4.92
Current: 2.02

0.34
4.92
P/S 5.16
VCBI's P/S is ranked higher than
65% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. VCBI: 5.16 )
VCBI' s 10-Year P/S Range
Min: 0.67   Max: 41.51
Current: 5.16

0.67
41.51
PFCF 10.77
VCBI's PFCF is ranked higher than
85% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. VCBI: 10.77 )
VCBI' s 10-Year PFCF Range
Min: 2.63   Max: 217
Current: 10.77

2.63
217
EV-to-EBIT 12.86
VCBI's EV-to-EBIT is ranked higher than
81% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. VCBI: 12.86 )
VCBI' s 10-Year EV-to-EBIT Range
Min: -23.7   Max: 91.4
Current: 12.86

-23.7
91.4
Shiller P/E 55.97
VCBI's Shiller P/E is ranked higher than
77% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. VCBI: 55.97 )
VCBI' s 10-Year Shiller P/E Range
Min: 3.63   Max: 59.72
Current: 55.97

3.63
59.72

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.00
VCBI's Price/Tangible Book is ranked higher than
66% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. VCBI: 2.00 )
VCBI' s 10-Year Price/Tangible Book Range
Min: 0.65   Max: 4.64
Current: 2

0.65
4.64
Price/DCF (Projected) 1.20
VCBI's Price/DCF (Projected) is ranked higher than
76% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. VCBI: 1.20 )
VCBI' s 10-Year Price/DCF (Projected) Range
Min: 0.6   Max: 4.9
Current: 1.2

0.6
4.9
Price/Median PS Value 1.30
VCBI's Price/Median PS Value is ranked higher than
68% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. VCBI: 1.30 )
VCBI' s 10-Year Price/Median PS Value Range
Min: 0.3   Max: 8.01
Current: 1.3

0.3
8.01
Price/Peter Lynch Fair Value 1.50
VCBI's Price/Peter Lynch Fair Value is ranked higher than
84% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. VCBI: 1.50 )
VCBI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.49   Max: 1.45
Current: 1.5

0.49
1.45
Price/Graham Number 1.30
VCBI's Price/Graham Number is ranked higher than
69% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. VCBI: 1.30 )
VCBI' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 2.13
Current: 1.3

0.5
2.13
Earnings Yield (Greenblatt) 7.80
VCBI's Earnings Yield (Greenblatt) is ranked higher than
78% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. VCBI: 7.80 )
VCBI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.1   Max: 23.2
Current: 7.8

1.1
23.2
Forward Rate of Return (Yacktman) 15.35
VCBI's Forward Rate of Return (Yacktman) is ranked higher than
73% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. VCBI: 15.35 )
VCBI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2.9   Max: 39.8
Current: 15.35

-2.9
39.8

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.
» More Articles for VCBI

Headlines

Articles On GuruFocus.com
Weekly CFO Buys Highlight: COSI, VIST, TCB, FIVE, VCBI Jul 30 2012 
Virginia Commerce Bancorp Reports Operating Results (10-Q) Nov 12 2010 
Virginia Commerce Bancorp Reports Operating Results (10-Q) Aug 13 2010 
Virginia Commerce Bancorp Reports Operating Results (10-Q) May 17 2010 
Virginia Commerce Bancorp Reports Operating Results (10-Q) Aug 10 2009 
Virginia Commerce Bancorp Reports Operating Results (10-Q) May 08 2009 
Virginia Commerce Bancorp (vcbi) CEO Peter A Converse buys 5,000 Shares Mar 09 2009 
Virginia Commerce Bancorp, Inc. Reports Fourth Quarter and Year-End 2008 Results Jan 29 2009 
Virginia Commerce Bancorp Receives $71 Million Preferred Stock Investment Under Treasury Capital Pur Dec 12 2008 

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VIRGINIA COMMERCE BANCORP INC Files SEC form 8-K, Change in Directors or Principal Officers Dec 23 2013
VIRGINIA COMMERCE BANCORP INC Files SEC form 8-K, Other Events Dec 13 2013
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