Village Bank and Trust Financial (Village Bank and Trust Financial) Debt-to-Equity

: 0.88 (As of Dec. 2023)

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Village Bank and Trust Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $0.00 Mil. Village Bank and Trust Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $59.46 Mil. Village Bank and Trust Financial's Total Stockholders Equity for the quarter that ended in Dec. 2023 was $67.56 Mil. Village Bank and Trust Financial's debt to equity for the quarter that ended in Dec. 2023 was 0.88.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Village Bank and Trust Financial's Debt-to-Equity or its related term are showing as below:

VBFC' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.23 Med: 0.73 Max: 1.37
Current: 0.88

During the past 13 years, the highest Debt-to-Equity Ratio of Village Bank and Trust Financial was 1.37. The lowest was 0.23. And the median was 0.73.

VBFC's Debt-to-Equity is ranked worse than
58.37% of 1398 companies
in the Banks industry
Industry Median: 0.7 vs VBFC: 0.88

Village Bank and Trust Financial Debt-to-Equity Historical Data

The historical data trend for Village Bank and Trust Financial's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Village Bank and Trust Financial Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-Equity

1.13

1.08

0.23

0.56

0.88

Village Bank and Trust Financial Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Debt-to-Equity																0.56	0.77	0.93	0.54	0.88

Competitive Comparison

For the Banks - Regional subindustry, Village Bank and Trust Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Village Bank and Trust Financial Debt-to-Equity Distribution

For the Banks industry and Financial Services sector, Village Bank and Trust Financial's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Village Bank and Trust Financial's Debt-to-Equity falls into.

Village Bank and Trust Financial Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Village Bank and Trust Financial's Debt to Equity Ratio for the fiscal year that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	59.464)	/	67.556
	=	0.88

Village Bank and Trust Financial's Debt to Equity Ratio for the quarter that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	59.464)	/	67.556
	=	0.88

Village Bank and Trust Financial (NAS:VBFC) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Village Bank and Trust Financial Debt-to-Equity Related Terms

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Village Bank and Trust Financial (Village Bank and Trust Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Village Bank and Trust Financial Corp (NAS:VBFC) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

13319 Midlothian Turnpike, Midlothian, VA, USA, 23113

Website

https://www.villagebank.com

Village Bank and Trust Financial Corp is a bank holding company. The bank is the primary operating business of the company. It 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, primarily in the Richmond, Virginia and Williamsburg, Virginia metropolitan areas. Its operating segment includes Commercial Banking and Mortgage Banking. The company generates maximum revenue from the Commercial Banking segment.

Executives

Selena Trudy Sanderson	director	13319 MIDLOTHIAN TURNPIKE, MIDLOTHIAN VA 23113
Ronald L. Carey	director	13319 MIDLOTHIAN TURNPIKE, MIDLOTHIAN VA 23113
Jennifer J. Church	director	P.O. BOX 330, MIDLOTHIAN VA 23113
Mary Margaret Kastelberg	director	P.O. BOX 330, MIDLOTHIAN VA 23113
Christy Quesenbery	officer: EVP-Operations	11730 HULL STREET ROAD, MIDLOTHIAN VA 23112
Roy I Barzel	officer: EVP-CCO	11730 HULL STREET ROAD, MIDLOTHIAN VA 23112
Kenneth R Lehman	10 percent owner	122 N GORDON ROAD, FT LAUDERDALE FL 33301
Craig D Bell	director	PO BOX 330, MIDLOTHIAN VA 23113
Jenkins Frank E. Jr.	director	PO BOX 330, MIDLOTHIAN VA 23113
Avery Raymond Thomas Iii	director	PO BOX 330, MIDLOTHIAN VA 23113
Michael A Katzen	director	15521 MIDLOTHIAN TURNPIKE, SUITE 200, MIDLOTHIAN VA 23113
William G Foster	officer: Senior Vice President	15521 MIDLOTHIAN TURNPIKE, SUITE 200, MIDLOTHIAN VA 23113
Hendricks James E Jr	officer: EVP-Chief Credit Officer	C/O VILLAGE BANK, P.O. BOX 330, MIDLOTHIAN VA 23113
Charles E Walton	director	15521 MIDLOTHIAN TURNPIKE, SUITE 200, MIDLOTHIAN VA 23113
Kaloski Donald M. Jr.	officer: EVP-CFO	13319 MIDLOTHIAN TURNPIKE, MIDLOTHIAN VA 23113