Village Bank and Trust Financial (VBFC) Stock Price, News & Analysis

Company Overview

Village Bank & Trust Financial Corp. operates as a bank holding company, which engages in commercial and consumer banking. It operates through the Traditional Commercial banking and Mortgage banking segments. The Traditional Commercial Banking segment provides the mortgage banking segment with the short-term funds needed to originate mortgage loans through a warehouse line of credit and charges the mortgage banking segment interest based on the commercial banking segment's cost of funds. The Mortgage Banking segment leases premises from the commercial banking segment. The company was founded in January 2003 and is headquartered in Midlothian, VA.

Key Stats

• Today's Range: $77.90 to $77.90
• 50-Day Range: $46.26 to $49.00
• 52-Week Range: $29.50 to $62.10
• Volume: 33 shs
• Average Volume: 436 shs
• Market Capitalization: $116.85 million
• P/E Ratio: 16.06
• Dividend Yield: 0.92%
• Price Target: N/A
• Consensus Rating: N/A

Village Bank and Trust Financial Stock Analysis - MarketRank™

Village Bank and Trust Financial scored higher than 9% of companies evaluated by MarketBeat, and ranked 918th out of 930 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Village Bank and Trust Financial.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Village Bank and Trust Financial is 16.06, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 125.73.

Price to Earnings Ratio vs. Sector

The P/E ratio of Village Bank and Trust Financial is 16.06, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 46.28.

Price to Book Value per Share Ratio

Village Bank and Trust Financial has a P/B Ratio of 1.58. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.11% of the float of Village Bank and Trust Financial has been sold short.

Short Interest Ratio / Days to Cover

Village Bank and Trust Financial has a short interest ratio ("days to cover") of 0.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

Village Bank and Trust Financial has a dividend yield of 0.92%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

Village Bank and Trust Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Village Bank and Trust Financial is 14.85%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.11% of the float of Village Bank and Trust Financial has been sold short.

Short Interest Ratio / Days to Cover

Village Bank and Trust Financial has a short interest ratio ("days to cover") of 0.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

News and Social Media

• Score: 0.0 / 5
• News Sentiment: N/A

News Coverage This Week

MarketBeat has tracked 1 news article for Village Bank and Trust Financial this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Village Bank and Trust Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 7.43% of the stock of Village Bank and Trust Financial is held by insiders.

Percentage Held by Institutions

Only 12.19% of the stock of Village Bank and Trust Financial is held by institutions.

VBFC Stock Analysis - Frequently Asked Questions

How were Village Bank and Trust Financial's earnings last quarter?

Village Bank and Trust Financial Corp. (NASDAQ:VBFC) announced its quarterly earnings results on Friday, October, 25th. The financial services provider reported $1.41 earnings per share for the quarter. The financial services provider had revenue of $8.46 million for the quarter. Village Bank and Trust Financial had a net margin of 16.34% and a trailing twelve-month return on equity of 10.31%.

Who are Village Bank and Trust Financial's major shareholders?

Village Bank and Trust Financial's top institutional investors include Jane Street Group LLC (0.88%), De Lisle Partners LLP (0.53%), Geode Capital Management LLC (0.40%) and Seneca House Advisors (0.27%). Insiders that own company stock include Roy I Barzel, Selena Trudy Sanderson and Mary Margaret Kastelberg.
View institutional ownership trends.

What other stocks do shareholders of Village Bank and Trust Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Village Bank and Trust Financial investors own include Tesla (TSLA), Golden Minerals (AUMN), Walt Disney (DIS), Toronto-Dominion Bank (TD), MARA (MARA), Altria Group (MO) and M&T Bank (MTB).

Company Calendar

• Ex-Dividend for 9/13 Dividend: 9/06/2024
• Dividend Payable: 9/13/2024
• Last Earnings: 10/25/2024
• Today: 11/21/2024
• Fiscal Year End: 12/31/2024
• Next Earnings (Estimated): 1/23/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: N/A
• Current Symbol: NASDAQ:VBFC
• CUSIP: N/A
• CIK: 1290476
• Web: www.villagebank.com
• Phone: (804) 897-3900
• Fax: 804-897-9043
• Employees: 149
• Year Founded: N/A

Profitability

• EPS (Most Recent Fiscal Year): $4.85
• Trailing P/E Ratio: 16.06
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $1.92 million
• Net Margins: 16.34%
• Pretax Margin: 20.34%
• Return on Equity: 10.31%
• Return on Assets: 0.97%

Debt

• Debt-to-Equity Ratio: 0.46
• Current Ratio: 0.99
• Quick Ratio: 0.99

Sales & Book Value

• Annual Sales: $33.24 million
• Price / Sales: 3.52
• Cash Flow: $1.55 per share
• Price / Cash Flow: 50.10
• Book Value: $45.50 per share
• Price / Book: 1.71

Miscellaneous

• Outstanding Shares: 1,500,000
• Free Float: 1,389,000
• Market Cap: $116.85 million
• Optionable: Not Optionable
• Beta: 0.75