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NASDAQ: VBFC
Village Bank & Trust Financial Corp Stock

$42.50+0.50 (+1.19%)
Updated Mar 27, 2024
VBFC Price
$42.50
Fair Value Price
$114.50
Market Cap
$63.45M
52 Week Low
$36.08
52 Week High
$55.00
P/E
32.95x
P/B
0.94x
P/S
2.35x
PEG
N/A
Dividend Yield
1.6%
Revenue
$25.20M
Earnings
$1.92M
Gross Margin
100%
Operating Margin
8.59%
Profit Margin
7.6%
Debt to Equity
9.9
Operating Cash Flow
$5M
Beta
0.12
Next Earnings
May 10, 2024
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 (34)
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Due Diligence Checks

VBFC ($42.50) is undervalued by 62.88% relative to our estimate of its Fair Value price of $114.50 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
VBFC ($42.50) is significantly undervalued by 62.88% relative to our estimate of its Fair Value price of $114.50 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
VBFC was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more VBFC due diligence checks available for Premium users.

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VBFC News

Valuation

VBFC fair value

Fair Value of VBFC stock based on Discounted Cash Flow (DCF)
Price
$42.50
Fair Value
$114.50
Undervalued by
62.88%
VBFC ($42.50) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
VBFC ($42.50) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
VBFC was unprofitable, so we... 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
32.95x
Industry
-10.57x
Market
44.45x
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
0.94x
Industry
1.02x
VBFC is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

VBFC's financial health

Profit margin

Revenue
$7.8M
Net Income
$1.7M
Profit Margin
21.7%
VBFC's Earnings (EBIT) of $2.17M... 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
$736.6M
Liabilities
$669.1M
Debt to equity
9.9
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
$3.4M
Investing
-$8.4M
Financing
$3.3M
VBFC's operating cash flow ($4.96M)... subscribe to Premium to read more.
Debt Coverage Financials

VBFC vs Bank Stocks

TickerMarket Cap1d %P/EP/B
VBFC$63.45M+1.19%32.95x0.94x
LSBK$65.65M+0.24%14.08x0.76x
TCBC$60.45M+0.14%233.17x0.76x
AUBN$67.78M+0.31%48.50x0.89x
CLST$56.47M+0.85%131.56x0.69x

Village Bank & Trust Financial Stock FAQ

What is Village Bank & Trust Financial's quote symbol?

(NASDAQ: VBFC) Village Bank & Trust Financial trades on the NASDAQ under the ticker symbol VBFC. Village Bank & Trust Financial stock quotes can also be displayed as NASDAQ: VBFC.

If you're new to stock investing, here's how to buy Village Bank & Trust Financial stock.

What is the 52 week high and low for Village Bank & Trust Financial (NASDAQ: VBFC)?

(NASDAQ: VBFC) Village Bank & Trust Financial's 52-week high was $55.00, and its 52-week low was $36.08. It is currently -22.73% from its 52-week high and 17.79% from its 52-week low.

How much is Village Bank & Trust Financial stock worth today?

(NASDAQ: VBFC) Village Bank & Trust Financial currently has 1,492,879 outstanding shares. With Village Bank & Trust Financial stock trading at $42.50 per share, the total value of Village Bank & Trust Financial stock (market capitalization) is $63.45M.

Village Bank & Trust Financial stock was originally listed at a price of $372.00 in Dec 31, 1997. If you had invested in Village Bank & Trust Financial stock at $372.00, your return over the last 26 years would have been -88.58%, for an annualized return of -8.01% (not including any dividends or dividend reinvestments).

How much is Village Bank & Trust Financial's stock price per share?

(NASDAQ: VBFC) Village Bank & Trust Financial stock price per share is $42.50 today (as of Mar 27, 2024).

What is Village Bank & Trust Financial's Market Cap?

(NASDAQ: VBFC) Village Bank & Trust Financial's market cap is $63.45M, as of Mar 28, 2024.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Village Bank & Trust Financial's market cap is calculated by multiplying VBFC's current stock price of $42.50 by VBFC's total outstanding shares of 1,492,879.
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