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Village Bank and Trust Financial Corp. (VBFC)
Key financial summary
Financials in USD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 21 | 28 | 36 | 31 | 25 | 33 | 27 |
| Operating profit | $m | 33 | 24 | |||||
| Net profit | $m | 4 | 9 | 12 | 8 | 2 | 7 | 7 |
| EPS reported | $ | 4.69 | 4.70 | |||||
| Operating cashflow per share | $ | 3.10 | 3.10 | |||||
| Capex per share | $ | 0.21 | 0.21 | |||||
| FCF per share | $ | 2.89 | 2.89 | |||||
| Free cash flow | $m | 4 | -23 | |||||
| Net debt | $m | -25 | -35 | |||||
| Book value equity | $m | 74 | 74 | |||||
| Book value per share | $ | 49.29 | 49.13 | |||||
| Number of shares | m | 1.5 | 1.5 | |||||
| DPS (TTM paid) | $ | 0.72 | 0.72 |
Financial summary
Financials in USD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 16.60 | - | |||||
| P/B LTM | x | 1.58 | 1.63 | |||||
| P/S LTM | x | 3.50 | 4.47 | |||||
| P/FCF LTM | x | 26.91 | -5.17 | |||||
| EV/EBITDA LTM | x | 2.28 | 9.18 | |||||
| EV/Sales LTM | x | 4.59 | 3.18 | |||||
| Earnings Yield LTM | % | 6.02% | 5.85% | |||||
| FCF Yield | % | 3.72% | -19.36% | |||||
| Quality | ||||||||
| ROE | % | 9.52% | 9.93% | |||||
| ROIC | % | 12.47% | 12.47% | |||||
| Operating margin | % | 99.55% | 99.55% | |||||
| Gross margin | % | 99.55% | 99.55% | |||||
| FCF/Sales | % | 13.01% | 13.01% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +263.57% | +263.57% | |||||
| Sales Growth YoY | % | +31.62% | +31.62% | |||||
| Net Income Growth YoY | % | +265.85% | +265.85% | |||||
| FCF Growth | % | -0.28% | - | |||||
| Operating Profit Growth | % | +1430.5% | +1430.5% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 0.92% | 0.90% | |||||
| Dividend Growth | % | +9.09% | - | |||||
| Payout Ratio | % | 15.35% | 15.32% | |||||
| FCF/Debt | x | 0.09 | -0.39 | |||||
| Net Debt/EBITDA | x | 0.54 | 0.54 | |||||
| EBIT/Net interest | x | 0.00 | 0.00 | |||||
| Net debt/market cap | % | -21.19% | -28.75% | |||||
| Net debt/Equity | x | -0.33 | -0.47 | |||||
| Gross debt/equity | x | 0.69 | 0.81 | |||||
Company overview
Village Bank and Trust Financial Corp. functions as the primary holding company for Village Bank, offering a comprehensive suite of banking and financial services to a diverse clientele, including small to medium-sized businesses, professionals, and individual consumers. The corporation's activities are organized into two key business segments: Traditional Commercial Banking and Mortgage Banking. Its deposit product portfolio includes standard checking and savings accounts, money market accounts, individual retirement accounts, and certificates of deposit, along with other general depository services. In its lending capacity, Village Bank and Trust provides both secured and unsecured commercial loans. These are designed to support various business needs, such as managing working capital, funding expansion projects, and acquiring essential equipment or machinery. The company also offers financing for the acquisition, development, construction, and ownership of commercial real estate properties. For individual clients, it extends secured and unsecured consumer loans for purposes ranging from vehicle purchases and home improvements to educational expenses and personal investments. Furthermore, the company actively originates mortgage loans, real estate construction loans, and acquisition loans, many of which are intended for sale within the secondary market. Complementing its traditional services, the bank offers modern conveniences such as online and mobile banking platforms, alongside remote deposit capture solutions, specifically tailored for its business customers. Its products and services are accessible through a network of nine full-service branch offices and a dedicated mortgage loan production office. These strategically located facilities serve Central Virginia, specifically encompassing the counties of Chesterfield, Hanover, Henrico, Powhatan, James City, and the City of Richmond. Founded in 1999, the company is headquartered in Midlothian, Virginia.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Village Bank and Trust Financial Corp. (VBFC)
Village Bank and Trust Financial Corp. functions as the primary holding company for Village Bank, offering a comprehensive suite of banking and financial services to a diverse clientele, including small to medium-sized businesses, professionals, and individual consumers. The corporation's activities are organized into two key business segments: Traditional Commercial Banking and Mortgage Banking. Its deposit product portfolio includes standard checking and savings accounts, money market accounts, individual retirement accounts, and certificates of deposit, along with other general depository services. In its lending capacity, Village Bank and Trust provides both secured and unsecured commercial loans. These are designed to support various business needs, such as managing working capital, funding expansion projects, and acquiring essential equipment or machinery. The company also offers financing for the acquisition, development, construction, and ownership of commercial real estate properties. For individual clients, it extends secured and unsecured consumer loans for purposes ranging from vehicle purchases and home improvements to educational expenses and personal investments. Furthermore, the company actively originates mortgage loans, real estate construction loans, and acquisition loans, many of which are intended for sale within the secondary market. Complementing its traditional services, the bank offers modern conveniences such as online and mobile banking platforms, alongside remote deposit capture solutions, specifically tailored for its business customers. Its products and services are accessible through a network of nine full-service branch offices and a dedicated mortgage loan production office. These strategically located facilities serve Central Virginia, specifically encompassing the counties of Chesterfield, Hanover, Henrico, Powhatan, James City, and the City of Richmond. Founded in 1999, the company is headquartered in Midlothian, Virginia.
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