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XNASVBFC
Market cap117mUSD
Jan 08, Last price  
78.40USD
1D
0.00%
1Q
3.16%
Jan 2017
193.63%
Name

Village Bank and Trust Financial Corp

Chart & Performance

D1W1MN
XNAS:VBFC chart
P/E
61.33
P/S
4.67
EPS
1.28
Div Yield, %
0.83%
Shrs. gr., 5y
0.70%
Rev. gr., 5y
1.26%
Revenues
25m
-21.99%
6,640,1349,938,07312,715,30414,525,47617,287,09025,073,39430,287,09230,478,37617,702,00015,189,00013,018,00012,637,00013,380,00022,683,00023,673,00026,065,00032,942,00037,838,00032,308,00025,202,000
Net income
2m
-76.91%
861,5431,231,1831,399,2181,001,063468,089-11,511,3681,430,309-11,820,122-10,399,000-4,007,000-1,037,000646,00013,513,000-3,096,0003,037,0004,477,0008,554,00012,453,0008,305,0001,918,000
CFO
5m
-51.73%
-728,198381,865936,584-547,352-3,086,2172,671,1543,308,50912,384,290-1,552,28918,159,3522,252,000-2,350,0001,312,0007,834,0007,089,000145,000-7,139,00042,533,00010,269,0004,957,000
Dividend
Sep 06, 20240.18 USD/sh
Earnings
Jan 23, 2025

Profile

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, business expansion, and purchase of equipment and machinery; loans for acquiring, developing, constructing, and owning commercial real estate properties; and secured and unsecured consumer loans for financing automobiles, home improvements, education, and personal investments, as well as originates mortgage loans, real estate construction loans, and acquisition loans for sale in the secondary market. In addition, the company offers online and mobile banking, and remote deposit capture services for business clients. It provides its products and services through nine full-service branch banking offices and a mortgage loan production office in Central Virginia in the counties of Chesterfield, Hanover, Henrico, Powhatan, James City, and Richmond City. The company was founded in 1999 and is headquartered in Midlothian, Virginia.
URL
https://www.investors.villagebank.com/corporate-profile/default.aspx
IPO date
Oct 31, 2000
Employees
142
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
25,202
-21.99%
32,308
-14.61%
Cost of revenue
14,091
14,549
Unusual Expense (Income)
NOPBT
11,111
17,759
NOPBT Margin
44.09%
54.97%
Operating Taxes
247
1,990
Tax Rate
2.22%
11.21%
NOPAT
10,864
15,769
Net income
1,918
-76.91%
8,305
-33.31%
Dividends
(981)
(857)
Dividend yield
1.66%
1.07%
Proceeds from repurchase of equity
(19,982)
BB yield
24.93%
Debt
Debt current
20,000
Long-term debt
59,464
34,456
Deferred revenue
(129)
Other long-term liabilities
609,386
(25,692)
Net debt
(63,835)
(225,312)
Cash flow
Cash from operating activities
4,957
10,269
CAPEX
(616)
(473)
Cash from investing activities
(8,542)
(66,063)
Cash from financing activities
4,621
(20,144)
FCF
30,606
(4,491)
Balance
Cash
17,714
145,915
Long term investments
105,585
133,853
Excess cash
122,039
278,153
Stockholders' equity
12,070
5,944
Invested Capital
724,546
737,127
ROIC
1.49%
2.14%
ROCE
1.51%
2.39%
EV
Common stock shares outstanding
1,486
1,477
Price
39.86
-26.55%
54.27
-6.19%
Market cap
59,232
-26.10%
80,157
-5.61%
EV
(4,603)
(145,155)
EBITDA
11,715
18,305
EV/EBITDA
Interest
7,986
1,781
Interest/NOPBT
71.87%
10.03%