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VILLAGE BANK AND TRUST FINAN (VBFC) Stock Fundamental Analysis

NASDAQ:VBFC - Nasdaq - US92705T2006 - Common Stock - Currency: USD

78.85  -0.1 (-0.13%)

Premarket: 78.85 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to VBFC. VBFC was compared to 405 industry peers in the Banks industry. VBFC has a bad profitability rating. Also its financial health evaluation is rather negative. VBFC does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year VBFC was profitable.
VBFC had a positive operating cash flow in the past year.
Each year in the past 5 years VBFC has been profitable.
Of the past 5 years VBFC 4 years had a positive operating cash flow.
VBFC Yearly Net Income VS EBIT VS OCF VS FCFVBFC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10M 20M 30M 40M

1.2 Ratios

With a decent Return On Assets value of 0.95%, VBFC is doing good in the industry, outperforming 65.41% of the companies in the same industry.
VBFC's Return On Equity of 9.73% is fine compared to the rest of the industry. VBFC outperforms 67.67% of its industry peers.
Industry RankSector Rank
ROA 0.95%
ROE 9.73%
ROIC N/A
ROA(3y)1.02%
ROA(5y)1.02%
ROE(3y)12.03%
ROE(5y)12.59%
ROIC(3y)N/A
ROIC(5y)N/A
VBFC Yearly ROA, ROE, ROICVBFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 20

1.3 Margins

With a Profit Margin value of 22.36%, VBFC perfoms like the industry average, outperforming 50.38% of the companies in the same industry.
VBFC's Profit Margin has declined in the last couple of years.
VBFC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 22.36%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-33.14%
PM growth 5Y-9.49%
GM growth 3YN/A
GM growth 5YN/A
VBFC Yearly Profit, Operating, Gross MarginsVBFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20 40

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2

2. Health

2.1 Basic Checks

VBFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for VBFC has been reduced compared to 1 year ago.
VBFC has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, VBFC has a worse debt to assets ratio.
VBFC Yearly Shares OutstandingVBFC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 500K 1M
VBFC Yearly Total Debt VS Total AssetsVBFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M

2.2 Solvency

VBFC has a debt to FCF ratio of 3.30. This is a good value and a sign of high solvency as VBFC would need 3.30 years to pay back of all of its debts.
VBFC has a Debt to FCF ratio of 3.30. This is comparable to the rest of the industry: VBFC outperforms 45.86% of its industry peers.
A Debt/Equity ratio of 0.46 indicates that VBFC is not too dependend on debt financing.
The Debt to Equity ratio of VBFC (0.46) is worse than 74.69% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.46
Debt/FCF 3.3
Altman-Z N/A
ROIC/WACCN/A
WACC10.5%
VBFC Yearly LT Debt VS Equity VS FCFVBFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20M 40M 60M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
VBFC Yearly Current Assets VS Current LiabilitesVBFC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M

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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 200.47% over the past year.
Measured over the past years, VBFC shows a decrease in Earnings Per Share. The EPS has been decreasing by -8.75% on average per year.
Looking at the last year, VBFC shows a very strong growth in Revenue. The Revenue has grown by 25.73%.
VBFC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.58% yearly.
EPS 1Y (TTM)200.47%
EPS 3Y-39.61%
EPS 5Y-8.75%
EPS Q2Q%181.9%
Revenue 1Y (TTM)25.73%
Revenue growth 3Y-9.12%
Revenue growth 5Y1.58%
Sales Q2Q%246.64%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
VBFC Yearly Revenue VS EstimatesVBFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M
VBFC Yearly EPS VS EstimatesVBFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 16.29, which indicates a correct valuation of VBFC.
Based on the Price/Earnings ratio, VBFC is valued a bit more expensive than the industry average as 70.68% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 29.62, VBFC is valued a bit cheaper.
Industry RankSector Rank
PE 16.29
Fwd PE N/A
VBFC Price Earnings VS Forward Price EarningsVBFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of VBFC indicates a somewhat cheap valuation: VBFC is cheaper than 61.65% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 11.33
EV/EBITDA N/A
VBFC Per share dataVBFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

With a yearly dividend of 0.91%, VBFC is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.19, VBFC's dividend is way lower than its industry peers. On top of this 81.95% of the companies listed in the same industry pay a better dividend than VBFC!
Compared to an average S&P500 Dividend Yield of 2.27, VBFC's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.91%

5.2 History

The dividend of VBFC decreases each year by -22.39%.
VBFC has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)-22.39%
Div Incr Years2
Div Non Decr Years2
VBFC Yearly Dividends per shareVBFC Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 0.2 0.4 0.6

5.3 Sustainability

VBFC pays out 14.92% of its income as dividend. This is a sustainable payout ratio.
The Dividend Rate of VBFC has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP14.92%
EPS Next 2YN/A
EPS Next 3YN/A
VBFC Yearly Income VS Free CF VS DividendVBFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10M 20M 30M 40M
VBFC Dividend Payout.VBFC Dividend Payout, showing the Payout Ratio.VBFC Dividend Payout.PayoutRetained Earnings

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VILLAGE BANK AND TRUST FINAN

NASDAQ:VBFC (2/18/2025, 8:14:56 PM)

Premarket: 78.85 0 (0%)

78.85

-0.1 (-0.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23 2025-01-23
Earnings (Next)04-24 2025-04-24
Inst Owners20.45%
Inst Owner Change-67.15%
Ins Owners6.05%
Ins Owner Change0.35%
Market Cap118.27M
Analysts0
Price TargetN/A
Short Float %0.58%
Short Ratio1.07
Dividend
Industry RankSector Rank
Dividend Yield 0.91%
Yearly Dividend0.66
Dividend Growth(5Y)-22.39%
DP14.92%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 16.29
Fwd PE N/A
P/S 3.66
P/FCF 11.33
P/OCF 10.97
P/B 1.59
P/tB 1.59
EV/EBITDA N/A
EPS(TTM)4.84
EY6.14%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)6.96
FCFY8.83%
OCF(TTM)7.19
OCFY9.11%
SpS21.53
BVpS49.47
TBVpS49.47
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.95%
ROE 9.73%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.36%
GM N/A
FCFM 32.33%
ROA(3y)1.02%
ROA(5y)1.02%
ROE(3y)12.03%
ROE(5y)12.59%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-33.14%
PM growth 5Y-9.49%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.46
Debt/FCF 3.3
Debt/EBITDA N/A
Cap/Depr 52.31%
Cap/Sales 1.05%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 144.55%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC10.5%
ROIC/WACCN/A
Cap/Depr(3y)99.26%
Cap/Depr(5y)77.93%
Cap/Sales(3y)1.86%
Cap/Sales(5y)1.49%
Profit Quality(3y)226.91%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)200.47%
EPS 3Y-39.61%
EPS 5Y-8.75%
EPS Q2Q%181.9%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)25.73%
Revenue growth 3Y-9.12%
Revenue growth 5Y1.58%
Sales Q2Q%246.64%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-33.24%
FCF growth 3YN/A
FCF growth 5Y-8.83%
OCF growth 1Y-32.67%
OCF growth 3YN/A
OCF growth 5Y-6.91%