Village Bank & Trust Financial Corp.

Finance
Major Banks
www.villagebank.com

Earnings Score
Moat Score

Market Cap $115.85M
PE 16
Debt $NaN
Cash $25.40M
EV $NaN
FCF $10.44M

Earnings

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Sales & Net Margins

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Earnings	$7.22M
EBIT	$8.99M
ROE	10%
ROA	1%
FCF	$10.44M
Equity	$74.20M
Growth Stability	-98%
PE	16.04
PEG	-1
PB	1.56
P/FCF	11.1
P/S	2.62
Price/Cash	0.22
Net Margins	16%
Op. Margins	20%
Earnings CAGR	7%
Sales Growth YoY	20%
Sales Growth QoQ	4%
Sales CAGR	7%
FCF CAGR	8%
Equity CAGR	10%
Earnings Stability	0.05
Earnings Growth YoY	-182%

Earnings Growth QoQ	27%
Earnings CAGR 5Y	-16%
Sales CAGR 5Y	1%
FCF CAGR 5Y	-25%
Equity CAGR 5Y	10%
Earnings CAGR 3Y	2%
Sales CAGR 3Y	2%
FCF CAGR 3Y	-51%
Equity CAGR 3Y	7%
Market Cap	$115.85M
Revenue	$44.21M
Dividend Yield	1%
Payout Ratio	15%
Assets	$759.47M
Cash	$25.40M
Shares Outstanding	1.49M
Earnings Score	7%
Moat Score	67%
Shares Growth 3y	1%
Equity Growth QoQ	6%
Equity Growth YoY	17%

Assets & ROA

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Stockholders Equity & ROE

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Village Bank and Trust Financial Corp is a bank holding company. The bank is the primary operating business of the company. It offers a range of banking and related financial services, including checking, savings, certificates of deposit and other depository services, and commercial, real estate, and consumer loans, primarily in the Richmond, Virginia and Williamsburg, Virginia metropolitan areas. Its operating segment includes Commercial Banking and Mortgage Banking. The company generates maximum revenue from the Commercial Banking segment.

SEC Filings

Direct access to Village Bank & Trust Financial Corp. (VBFC) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Village Bank & Trust Financial Corp. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Village Bank & Trust Financial Corp. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 7%

Stability 5%

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Village Bank & Trust Financial Corp. Discounted Cash Flow

Fully customizable DCF calculator online for Village Bank & Trust Financial Corp..

Years

Calculation mode

= $187M

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$10M	$11M	$12M	$13M	$14M	$16M	$17M	$18M	$20M	$22M	$23M	$234M
DCF		$10M	$10M	$10M	$9.8M	$9.7M	$9.6M	$9.4M	$9.3M	$9.2M	$9M	$90M
Value	$187M

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	-10%	3%	48%	-14%	10%	13%	21%	29%	23%	5%	16%
ROA	-	1%	1%	1%	1%	2%	2%	2%	1%	0%	1%
ROE	-	2%	29%	-9%	8%	10%	16%	20%	14%	3%	10%

Good Net Margins (16.31%)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	-	-	-	-	-	-	-	-	-	-
Debt over Equity	-	-	-	-	-	-	-	-	-	-	-
Growth Stability	-	-	-	-98%	89%	100%	100%	100%	98%	20%	-98%

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Neutral Debt/Equity ratio (-)

The company has a balance between equity and debt that is not too good nor too bad.

Bad Graham’s Stability (-98%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	4%	5%	-5%	14%	15%	24%	4%	-17%	7%	1%
Earnings YoY growth	-	-126%	2K%	-128%	-181%	53%	91%	46%	-33%	-77%	-16%
Equity YoY growth	-	59%	44%	-10%	-6%	16%	21%	22%	-4%	11%	10%
FCF YoY growth	-	924%	-112%	2K%	0%	-101%	9K%	-661%	-77%	-56%	-25%