NasdaqCM:VBFC

Stock Analysis Report

Village Bank and Trust Financial

Executive Summary

Village Bank and Trust Financial Corp. 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.

Snowflake

Fundamentals

Flawless balance sheet and overvalued.

Risks

  • Village Bank and Trust Financial is not covered by any analysts.

Similar Companies

Share Price & News

How has Village Bank and Trust Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-0.2%

NasdaqCM:VBFC

-1.9%

US Banks

-1.9%

US Market


1 Year Return

1.0%

NasdaqCM:VBFC

-16.1%

US Banks

-3.3%

US Market

VBFC outperformed the Banks industry which returned -16.1% over the past year.

VBFC outperformed the Market in United States of America which returned -3% over the past year.


Share holder returns

VBFCIndustryMarket
7 Day-0.2%-1.9%-1.9%
30 Day-0.2%-11.1%-6.2%
90 Day2.6%-4.9%0.3%
1 Year1.0%1.0%-13.7%-16.1%-1.1%-3.3%
3 Year49.5%49.5%37.8%28.4%37.9%28.9%
5 Year45.0%45.0%49.3%33.2%50.8%34.1%

Price Volatility Vs. Market

How volatile is Village Bank and Trust Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Village Bank and Trust Financial undervalued based on future cash flows and its price relative to the stock market?

14.41x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Village Bank and Trust Financial's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Village Bank and Trust Financial's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Village Bank and Trust Financial is overvalued based on earnings compared to the US Banks industry average.

Village Bank and Trust Financial is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Village Bank and Trust Financial, we can't assess if its growth is good value.


Price Based on Value of Assets

Village Bank and Trust Financial is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Village Bank and Trust Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

9.7%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Village Bank and Trust Financial is high growth as no revenue estimate data is available.

Village Bank and Trust Financial's earnings are expected to grow by 9.7% yearly, however this is not considered high growth (20% yearly).

Unable to compare Village Bank and Trust Financial's revenue growth to the United States of America market average as no estimate data is available.

Village Bank and Trust Financial's earnings growth is positive but not above the United States of America market average.

Village Bank and Trust Financial's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Village Bank and Trust Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Village Bank and Trust Financial performed over the past 5 years?

5.6%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Village Bank and Trust Financial's year on year earnings growth rate has been positive over the past 5 years.

Village Bank and Trust Financial has become profitable in the last year making the earnings growth rate difficult to compare to the 5-year average.

Village Bank and Trust Financial has become profitable in the last year making it difficult to compare the US Banks industry average.


Return on Equity

Village Bank and Trust Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Village Bank and Trust Financial used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Village Bank and Trust Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Village Bank and Trust Financial's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Village Bank and Trust Financial has an acceptable proportion of non-loan assets held.

Village Bank and Trust Financial has a sufficient allowance for bad loans.

Village Bank and Trust Financial's liabilities are made up of primarily low risk sources of funding.

Village Bank and Trust Financial's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Village Bank and Trust Financial are broadly funded by customer deposits.

Village Bank and Trust Financial has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Village Bank and Trust Financial's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Village Bank and Trust Financial's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Village Bank and Trust Financial's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Village Bank and Trust Financial has not reported any payouts.

Unable to verify if Village Bank and Trust Financial's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Village Bank and Trust Financial has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Village Bank and Trust Financial's salary, the management and board of directors tenure and is there insider trading?

2.9yrs

Average management tenure


CEO

Bill Foster (57yo)

5.4yrs

Tenure

US$497,611

Compensation

Mr. William G. Foster, Jr. has been Chief Executive Officer of Village Bank and Trust Financial Corp. (“Company”) and Village Bank (“Bank”) since March 1, 2014. He has been the President of the Village Ban ...


CEO Compensation Analysis

Bill's remuneration is about average for companies of similar size in United States of America.

Bill's compensation has increased in line with Village Bank and Trust Financial recently becoming profitable.


Management Age and Tenure

2.9yrs

Average Tenure

55.5yo

Average Age

The tenure for the Village Bank and Trust Financial management team is about average.


Board Age and Tenure

10.8yrs

Average Tenure

65yo

Average Age

The average tenure for the Village Bank and Trust Financial board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

More shares have been bought than sold by Village Bank and Trust Financial individual insiders in the past 3 months.


Recent Insider Transactions

BuyUS$4,82908 Aug 19
William Foster
EntityIndividual
Role
Chief Executive Officer
President
Shares141
Max PriceUS$34.25
BuyUS$17,12531 Jul 19
James Hendricks
EntityIndividual
Role
Chief Operating Officer
Executive VP
Shares500
Max PriceUS$34.25
BuyUS$49,26103 Jul 19
Kenneth Lehman
EntityIndividual
Shares1,490
Max PriceUS$33.07
BuyUS$52,59919 Jun 19
Kenneth Lehman
EntityIndividual
Shares1,577
Max PriceUS$33.49
BuyUS$10,20013 May 19
Charles Walton
EntityIndividual
Role
Member of the Board of Directors
Director
Shares300
Max PriceUS$34.00
BuyUS$6,90725 Apr 19
Kenneth Lehman
EntityIndividual
Shares209
Max PriceUS$33.05
BuyUS$60,96615 Jan 19
Kenneth Lehman
EntityIndividual
Shares1,966
Max PriceUS$31.01
BuyUS$305,11114 Nov 18
Kenneth Lehman
EntityIndividual
Shares8,760
Max PriceUS$34.83
BuyUS$3,086,34205 Nov 18
Kenneth Lehman
EntityIndividual
Shares88,781
Max PriceUS$34.83

Ownership Breakdown


Management Team

  • Joy Kline (61yo)

    Executive Vice President of Retail Banking of Village Bank

    • Tenure: 0.0yrs
  • Bill Foster (57yo)

    President

    • Tenure: 5.4yrs
    • Compensation: US$497.61k
  • Donnie Kaloski (37yo)

    Executive VP & CFO

    • Tenure: 1.3yrs
  • Jay Hendricks (56yo)

    Executive VP

    • Tenure: 2.9yrs
    • Compensation: US$322.79k
  • Max Morehead (55yo)

    Executive Vice President of Commercial Banking

    • Tenure: 5.4yrs
    • Compensation: US$275.97k
  • Clif Winn (45yo)

    President & CEO of Village Bank Mortgage Corporation

    • Tenure: 1.7yrs

Board Members

  • Randy Whittemore (69yo)

    Director

    • Tenure: 21.6yrs
    • Compensation: US$25.47k
  • Charles Walton (73yo)

    Director

    • Tenure: 10.8yrs
    • Compensation: US$25.06k
  • Craig Bell (62yo)

    Chairman of the Board

    • Tenure: 16.6yrs
    • Compensation: US$29.23k
  • Raymond Avery (69yo)

    Director

    • Tenure: 21.6yrs
    • Compensation: US$25.53k
  • Michael Toalson (67yo)

    Director

    • Tenure: 15.3yrs
    • Compensation: US$25.38k
  • Michael Katzen (65yo)

    Director

    • Tenure: 10.8yrs
    • Compensation: US$25.06k
  • Bill Foster (57yo)

    President

    • Tenure: 5.4yrs
    • Compensation: US$497.61k
  • Frank Jenkins (53yo)

    Director

    • Tenure: 2.1yrs
    • Compensation: US$25.06k
  • Devon Henry (42yo)

    Director

    • Tenure: 1.4yrs
    • Compensation: US$20.06k

Company Information

Village Bank and Trust Financial Corp.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Village Bank and Trust Financial Corp.
  • Ticker: VBFC
  • Exchange: NasdaqCM
  • Founded: 1999
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$50.037m
  • Shares outstanding: 1.45m
  • Website: https://www.villagebank.com

Number of Employees


Location

  • Village Bank and Trust Financial Corp.
  • 13319 Midlothian Turnpike
  • Midlothian
  • Virginia
  • 23113
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
VBFCNasdaqCM (Nasdaq Capital Market)YesCommon StockUSUSDOct 2000

Biography

Village Bank and Trust Financial Corp. operates as the bank holding company for Village Bank that provides banking and related financial services to small and medium sized businesses, professionals, and in ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/26 00:03
End of Day Share Price2019/08/23 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.