VBFC - Village Bank and Trust Financial Stock Price, Fair Value and News

42.82USD0.00 (0.00%)Market Closed

Market Summary

USD42.820.00

Market Closed

0.00%

VBFC Stock Price

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VBFC RSI Chart

VBFC Valuation

Market Cap

64.0M

Price/Earnings (Trailing)

29.78

Price/Sales (Trailing)

1.83

EV/EBITDA

1.11

Price/Free Cashflow

39.45

VBFC Price/Sales (Trailing)

VBFC Profitability

EBT Margin

7.20%

Return on Equity

3.15%

Return on Assets

0.29%

Free Cashflow Yield

2.53%

VBFC Fundamentals

VBFC Revenue

Revenue (TTM)

35.0M

Rev. Growth (Yr)

23.1%

Rev. Growth (Qtr)

2.25%

VBFC Earnings

Earnings (TTM)

2.1M

Earnings Growth (Yr)

15.06%

Earnings Growth (Qtr)

4.73%

Breaking Down VBFC Revenue

Last 7 days

0.7%

Last 30 days

4.6%

Last 90 days

0.1%

Trailing 12 Months

-12.2%

How does VBFC drawdown profile look like?

VBFC Financial Health

VBFC Investor Care

Dividend Yield

1.59%

Dividend/Share (TTM)

0.68

Shares Dilution (1Y)

0.64%

Diluted EPS (TTM)

1.44

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	35.0M	0	0	0
2023	28.8M	30.2M	31.7M	33.3M
2022	26.9M	26.7M	26.7M	27.5M
2021	27.2M	28.0M	28.3M	27.7M
2020	23.5M	23.8M	24.3M	25.8M
2019	22.0M	22.7M	23.2M	23.5M
2018	17.9M	18.9M	20.0M	21.1M
2017	16.2M	16.5M	16.8M	17.3M
2016	15.6M	15.6M	15.8M	16.0M
2015	16.1M	15.8M	15.6M	15.5M
2014	18.6M	17.8M	17.2M	16.6M
2013	23.0M	22.0M	21.2M	19.6M
2012	26.7M	25.4M	24.1M	23.7M
2011	30.1M	29.7M	29.0M	28.0M
2010	0	32.2M	31.2M	30.2M
2009	0	0	0	33.2M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Village Bank and Trust Financial

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Mar 22, 2024	hendricks james e jr	acquired	29,044	41.79	695	president/ceo
Mar 22, 2024	winn james clifton	acquired	4,889	41.79	117	president, vb mortgage corp
Mar 22, 2024	church jennifer j.	acquired	9,528	41.79	228	evp-retail banking
Mar 22, 2024	kaloski donald m. jr.	acquired	11,325	41.79	271	evp-chief financial officer
Mar 22, 2024	quesenbery christy	acquired	11,325	41.79	271	evp-operations
Mar 22, 2024	barzel roy i	acquired	11,325	41.79	271	evp-chief credit officer
Mar 22, 2024	morehead max c jr	acquired	12,328	41.79	295	evp-commercial banking
Mar 04, 2024	barzel roy i	bought	21,076	40.3	523	evp-chief credit officer
Mar 01, 2024	barzel roy i	bought	11,001	40.3	273	evp-chief credit officer
Feb 26, 2024	barzel roy i	bought	32,800	41.00	800	evp-chief credit officer

Which funds bought or sold VBFC recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 08, 2024	Heritage Wealth Advisors	reduced	-57.14	-267	12.00	-%
May 06, 2024	SouthState Corp	unchanged	-	6,751	108,673	0.01%
May 02, 2024	Salomon & Ludwin, LLC	unchanged	-	-35.00	557	-%
May 01, 2024	CONCOURSE FINANCIAL GROUP SECURITIES, INC.	sold off	-	-	-	-%
Apr 24, 2024	Spire Wealth Management	unchanged	-	11.00	1,053	-%
Apr 09, 2024	MATHER GROUP, LLC.	new	-	518	518	-%
Mar 11, 2024	VANGUARD GROUP INC	added	0.1	-49,442	346,184	-%
Feb 15, 2024	JANE STREET GROUP, LLC	added	1.35	-94,823	736,374	-%
Feb 14, 2024	ALLIANCEBERNSTEIN L.P.	added	20.08	112,938	2,387,690	-%
Feb 14, 2024	Siena Capital Partners GP, LLC	sold off	-100	-28,772	-	-%

Are Funds Buying or Selling VBFC?

Are funds buying VBFC calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own VBFC

No. of Funds

Unveiling Village Bank and Trust Financial's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Nov 13, 2019	lehman kenneth r	50.9%	739,788	SC 13D/A

Recent SEC filings of Village Bank and Trust Financial

View All Filings

Date Filed	Form Type	Document
May 10, 2024	10-Q	Quarterly Report
Apr 26, 2024	8-K	Current Report
Apr 22, 2024	DEFA14A	DEFA14A
Apr 11, 2024	ARS	ARS
Apr 11, 2024	DEFA14A	DEFA14A
Apr 09, 2024	DEF 14A	DEF 14A
Mar 25, 2024	4	Insider Trading
Mar 25, 2024	4	Insider Trading
Mar 25, 2024	4	Insider Trading
Mar 25, 2024	4	Insider Trading

Peers (Alternatives to Village Bank and Trust Financial)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	567.2B	174.7B	0.18%	44.71%	11.26	3.25	53.11%	19.83%
BAC	299.4B	127.4B	1.46%	40.12%	11.96	2.17	56.12%	-12.56%
WFC	213.7B	85.8B	6.46%	60.14%	11.39	2.49	35.02%	26.14%
C	120.8B	125.0B	2.71%	36.58%	15.11	0.97	37.85%	-
CFG	16.4B	10.4B	2.97%	41.85%	11.46	1.57	26.22%	-33.87%
KEY	14.2B	8.1B	-2.96%	61.70%	16.26	1.75	32.15%	-50.93%
MID-CAP
CMA	7.1B	4.2B	-2.04%	52.25%	10.18	1.67	34.68%	-45.96%
ZION	6.5B	4.1B	1.86%	86.61%	10.4	1.6	32.93%	-30.73%
ABCB	3.5B	1.3B	4.92%	71.30%	12.23	2.63	30.60%	-12.99%
ASB	3.4B	1.8B	4.24%	49.43%	20.98	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	404.2M	152.4M	-2.01%	50.33%	40.66	2.65	16.94%	-73.84%
AROW	403.8M	173.1M	3.34%	19.72%	13.84	2.33	26.54%	-34.86%
ACNB	281.6M	98.7M	-6.05%	16.29%	9.57	2.85	6.27%	-22.90%
ASRV	44.6M	60.9M	12.07%	-9.72%	-13.32	0.73	24.06%	-144.92%

Village Bank and Trust Financial News

Latest updates

Village Bank and Trust Financial Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	2.2%	9,335	9,130	8,462	8,099	7,583	7,533	6,955	6,731	6,268	6,744	6,921	6,972	7,031	7,409	6,540	6,193	5,684	5,897	6,010	5,871	5,709
EBITDA Margin	-3.6%	0.81*	0.84*	0.91*	1.17*	1.27*	1.33*	1.35*	1.39*	1.43*	1.52*	1.52*	1.48*	-	-	-	-	-	-	-	-	-
Interest Expenses	-4.3%	6,396	6,685	6,114	6,124	6,365	6,990	6,535	6,321	5,861	6,299	6,429	6,392	6,376	6,551	5,471	4,944	4,427	4,527	4,612	4,552	4,466
Income Taxes	11.7%	449	402	-754	274	325	520	508	555	407	630	752	903	1,136	903	678	665	239	345	463	180	176
Earnings Before Taxes	6.1%	2,221	2,094	-3,307	1,513	1,865	2,682	2,661	2,745	2,207	2,993	3,651	4,197	5,033	3,955	2,947	3,000	1,137	1,649	2,190	817	985
EBT Margin	10.6%	0.07*	0.07*	0.09*	0.29*	0.35*	0.37*	0.40*	0.43*	0.48*	0.57*	0.59*	0.58*	-	-	-	-	-	-	-	-	-
Net Income	4.7%	1,772	1,692	-2,553	1,239	1,540	2,162	2,153	2,190	1,800	2,363	2,899	3,294	3,897	3,052	2,269	2,335	898	1,304	1,727	637	809
Net Income Margin	6.5%	0.06*	0.06*	0.08*	0.24*	0.28*	0.30*	0.32*	0.35*	0.38*	0.45*	0.46*	0.45*	-	-	-	-	-	-	-	-	-
Free Cashflow	-124.3%	-820	3,368	2,911	-3,836	1,898	4,820	5,179	1,169	-1,372	10,668	8,582	2,160	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	1.4%	747	737	728	755	735	723	743	753	764	748	730	718	716	706	727	723	570	540	560	537	522
Cash Equivalents	82.9%	32.00	18.00	19.00	26.00	24.00	17.00	32.00	55.00	68.00	93.00	64.00	72.00	35.00	43.00	-	-	-	20.00	-	-	-
Net PPE	0.1%	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00
Liabilities	1.4%	679	669	664	691	671	662	684	693	703	685	668	659	660	654	678	676	526	497	518	497	484
Shareholder's Equity	1.2%	68.00	68.00	64.00	64.00	64.00	61.00	58.00	60.00	61.00	63.00	62.00	59.00	56.00	52.00	49.00	47.00	44.00	43.00	42.00	40.00	38.00
Retained Earnings	12.8%	13.00	12.00	10.00	13.00	12.00	11.00	9.00	7.00	5.00	4.00	1.00	-1.55	-4.84	-8.74	-11.79	-14.06	-16.39	-17.29	-18.60	-20.32	-20.96
Additional Paid-In Capital	0.1%	56.00	55.00	55.00	55.00	55.00	55.00	55.00	55.00	55.00	55.00	55.00	55.00	55.00	55.00	54.00	54.00	54.00	54.00	54.00	54.00	53.00
Shares Outstanding	0.2%	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	-	26.00	-	-	-	27.00	-	-	-	30.00	-	-	-	16.00	-	-	-	25.00	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-118.8%	-644	3,434	3,034	-3,607	2,096	4,940	5,488	1,180	-1,339	10,687	8,622	2,467	20,757	-164	-7,608	1,814	-1,181	2,356	1,340	-6,310	2,759
Share Based Compensation	8000.0%	81.00	1.00	90.00	166	102	109	62.00	120	90.00	114	35.00	98.00	85.00	83.00	28.00	75.00	54.00	17.00	22.00	328	46.00
Cashflow From Investing	167.9%	5,671	-8,353	17,160	-14,673	-2,676	2,852	-21,174	-5,529	-42,212	-141	-23,970	33,379	-36,567	34,284	8,684	-165,910	1,874	-7,933	-4,847	-3,670	-749
Cashflow From Financing	192.4%	9,655	3,302	-26,845	20,128	8,036	-23,295	-7,029	-9,239	19,419	17,790	7,969	891	7,281	-28,756	2,057	151,072	27,318	-20,914	21,213	12,826	4,353
Dividend Payments	0%	269	269	237	238	237	237	207	207	206	-	-	-	-	-	-	-	-	-	-	-	-

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VBFC Income Statement

2023-12-31

Consolidated Statements of Operations - USD ($)	12 Months Ended
Consolidated Statements of Operations - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Interest income
Loans	$ 29,493,000	$ 24,776,000
Investment securities	3,198,000	2,244,000
Federal funds sold	583,000	467,000
Total interest income	33,274,000	27,487,000
Interest expense
Deposits	5,295,000	1,079,000
Borrowed funds	2,691,000	702,000
Total interest expense	7,986,000	1,781,000
Net interest income	25,288,000	25,706,000
Provision for (recovery of) credit losses		(300,000)
Provision for (recovery of) credit losses, after ASU 2016-13	50,000	(300,000)
Net interest income after provision for (recovery of) credit losses	25,238,000	26,006,000
Noninterest income
Service charges and fees	2,738,000	2,625,000
Mortgage banking income, net	1,690,000	3,427,000
Loss on sale of investment securities, net	(4,986,000)
Gain on sale of Small Business Administration loans	0	79,000
Other	522,000	471,000
Total noninterest income (loss)	(36,000)	6,602,000
Noninterest expense
Salaries and benefits	13,389,000	13,768,000
Occupancy	1,242,000	1,216,000
Equipment	1,112,000	1,102,000
Supplies	162,000	158,000
Data processing	1,943,000	1,389,000
Professional and outside services	1,598,000	1,387,000
Advertising and marketing	404,000	386,000
FDIC insurance premium	298,000	237,000
Other operating expense	2,889,000	2,670,000
Total noninterest expense	23,037,000	22,313,000
Income (loss) before income tax expense (benefit)	2,165,000	10,295,000
Income tax expense (benefit)	247,000	1,990,000
Net income (loss)	$ 1,918,000	$ 8,305,000
Earnings (loss) per share, basic	$ 1.29	$ 5.62
Earnings (loss) per share, diluted	$ 1.29	$ 5.62

VBFC Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Assets
Cash and due from banks	$ 10,383,000	$ 12,062,000
Federal funds sold	7,331,000	4,616,000
Total cash and cash equivalents	17,714,000	16,678,000
Investment securities available for sale, at fair value	105,585,000	133,853,000
Restricted stock, at cost	2,985,000	1,564,000
Loans held for sale	4,983,000	2,268,000
Loans
Outstandings		538,427,000
Allowance for credit losses	(3,423,000)	(3,370,000)
Deferred costs, net	803,000	588,000
Total loans, net		535,645,000
Loans
Outstandings	575,008,000
Allowance for credit losses	(3,423,000)	(3,370,000)
Deferred costs, net	803,000
Total loans, net	572,388,000
Premises and equipment, net	11,760,000	11,748,000
Bank owned life insurance	13,120,000	12,798,000
Accrued interest receivable	3,827,000	3,651,000
Other assets	4,254,000	5,065,000
Total Assets	736,616,000	723,270,000
Deposits
Noninterest bearing demand	247,624,000	255,236,000
Interest bearing	357,721,000	369,507,000
Total deposits	605,345,000	624,743,000
Long-term debt - trust preferred securities	8,764,000	8,764,000
Subordinated debt, net	5,700,000	5,692,000
Other borrowings	45,000,000	20,000,000
Accrued interest payable	210,000	70,000
Other liabilities	4,041,000	2,890,000
Total liabilities	669,060,000	662,159,000
Shareholders' equity
Common stock, $4 par value, 10,000,000 shares authorized; 1,492,879 shares issued and outstanding at December 31, 2023 and 1,482,790 shares issued and outstanding at December 31, 2022	5,908,000	5,868,000
Additional paid-in capital	55,486,000	55,167,000
Retained earnings	11,775,000	10,957,000
Stock in directors rabbi trust	(467,000)	(689,000)
Directors deferred fees obligation	467,000	689,000
Accumulated other comprehensive loss	(5,613,000)	(10,881,000)
Total shareholders' equity	67,556,000	61,111,000
Total liabilities and shareholders' equity	$ 736,616,000	$ 723,270,000

About Village Bank and Trust Financial

Village Bank and Trust Financial Corp. primarily operates as the bank holding company for Village Bank that provides banking and related financial services to small and medium sized businesses, professionals, and individuals. It operates in two segments, Traditional Commercial Banking and Mortgage Banking. The company accepts checking, savings, money market, and individual retirement accounts, as well as certificates of deposit and other depository services. It also offers secured and unsecured commercial business loans for various purposes, such as funding working capital needs and purchase of equipment and machinery; loans for acquiring, developing, constructing, and owning commercial properties; and secured and unsecured consumer loans for financing automobiles, home improvements, education, and personal investments, as well as originates mortgage loans, and real estate construction and acquisition loans. In addition, the company offers internet and mobile banking, and remote deposit capture services for business clients. Village Bank and Trust Financial Corp. was founded in 1999 and is headquartered in Midlothian, Virginia.

CEO	Mr. James E. Hendricks Jr.
WEBSITE	villagebank.com
INDUSTRY	Banks Diversified
EMPLOYEES	142

Village Bank and Trust Financial Frequently Asked Questions

What is the ticker symbol for Village Bank and Trust Financial? What does VBFC stand for in stocks?

VBFC is the stock ticker symbol of Village Bank and Trust Financial. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Village Bank and Trust Financial (VBFC)?

As of Thu May 09 2024, market cap of Village Bank and Trust Financial is 63.93 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of VBFC stock?

You can check VBFC's fair value in chart for subscribers.

What is the fair value of VBFC stock?

You can check VBFC's fair value in chart for subscribers. The fair value of Village Bank and Trust Financial is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Village Bank and Trust Financial is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for VBFC so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Village Bank and Trust Financial a good stock to buy?

The fair value guage provides a quick view whether VBFC is over valued or under valued. Whether Village Bank and Trust Financial is cheap or expensive depends on the assumptions which impact Village Bank and Trust Financial's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for VBFC.

What is Village Bank and Trust Financial's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Thu May 09 2024, VBFC's PE ratio (Price to Earnings) is 33.33 and Price to Sales (PS) ratio is 1.92. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. VBFC PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Village Bank and Trust Financial's stock?

In the past 10 years, Village Bank and Trust Financial has provided 0.072 (multiply by 100 for percentage) rate of return.