NASDAQ: VBFCVillage Bank & Trust Financial Corp Stock
$54.50+0.00 (+0%)
Updated Mar 29, 2023
VBFC Price
$54.50
Fair Value Price
$62.76
Market Cap
$80.85M
52 Week Low
$43.97
52 Week High
$64.17
P/E
9.7x
P/B
1.32x
P/S
2.35x
PEG
0.46x
Dividend Yield
1.1%
Revenue
$32.61M
Earnings
$8.31M
Gross Margin
100%
Operating Margin
31.57%
Profit Margin
25.5%
Debt to Equity
10.84
Operating Cash Flow
$10M
Beta
0.13
Next Earnings
May 10, 2023
Ex-Dividend
N/A
Next Dividend
N/A
VBFC Overview
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.
Zen Score
–
Industry Average (38)
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Due Diligence Checks
VBFC ($54.50) is undervalued by 13.17% relative to our estimate of its Fair Value price of $62.76 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
VBFC ($54.50) is not significantly undervalued (13.17%) relative to our estimate of its Fair Value price of $62.76 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
VBFC ($54.50) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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VBFC News
Valuation
VBFC fair value
Fair Value of VBFC stock based on Discounted Cash Flow (DCF)
Price
$54.50
Fair Value
$62.76
Undervalued by
13.17%
VBFC ($54.50) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
VBFC ($54.50) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
VBFC ($54.50) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
VBFC price to earnings (PE)
For valuing profitable companies with steady earnings
Company
9.7x
Industry
22.26x
Market
21.81x
VBFC is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
VBFC is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
VBFC price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.32x
Industry
0.99x
VBFC is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
VBFC price to earnings growth (PEG)
For valuing profitable companies with growth potential
VBFC is good value based... subscribe to Premium to read more.
PEG Value Valuation
VBFC's financial health
Profit margin
Revenue
$8.3M
Net Income
$2.2M
Profit Margin
26.1%
VBFC's Earnings (EBIT) of $10.30M... subscribe to Premium to read more.
Interest Coverage Financials
VBFC's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$723.3M
Liabilities
$662.2M
Debt to equity
10.84
VBFC's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
VBFC's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$4.9M
Investing
$2.9M
Financing
-$23.3M
VBFC's operating cash flow ($10.27M)... subscribe to Premium to read more.
Debt Coverage Financials
VBFC vs Bank Stocks
Village Bank & Trust Financial Stock FAQ
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