Village Bank and Trust Financial Balance Sheet Health
Financial Health criteria checks 6/6
Village Bank and Trust Financial has total assets of $759.5M and total equity of $74.2M. Total deposits are $646.2M, and total loans are $611.7M. It earns a Net Interest Margin of 3.7%. It has sufficient allowance for bad loans, which are currently at 0.06% of total loans. Cash and short-term investments are $25.7M.
Key information
10.2x
Asset to equity ratio
3.7%
Net interest margin
| Total deposits | US$646.20m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.06% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$25.71m |
Recent financial health updates
No updates
Recent updates
Village Bank and Trust Financial's (NASDAQ:VBFC) Shareholders Will Receive A Bigger Dividend Than Last Year
Nov 18
Village Bank and Trust Financial goes ex-dividend tomorrow
Aug 31Here's Why We Think Village Bank and Trust Financial (NASDAQ:VBFC) Is Well Worth Watching
Jun 18With EPS Growth And More, Village Bank and Trust Financial (NASDAQ:VBFC) Is Interesting
Mar 03If You Had Bought Village Bank and Trust Financial (NASDAQ:VBFC) Stock Five Years Ago, You Could Pocket A 81% Gain Today
Jan 27Trade Alert: The Independent Director Of Village Bank and Trust Financial Corp. (NASDAQ:VBFC), Frank Jenkins, Has Just Spent US$62k Buying 75% More Shares
Dec 06
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: VBFC's Assets to Equity ratio (10.2x) is moderate.
Allowance for Bad Loans: VBFC has a sufficient allowance for bad loans (1003%).
Low Risk Liabilities: 94% of VBFC's liabilities are made up of primarily low risk sources of funding.
Loan Level: VBFC has an appropriate level of Loans to Assets ratio (81%).
Low Risk Deposits: VBFC's Loans to Deposits ratio (95%) is appropriate.
Level of Bad Loans: VBFC has an appropriate level of bad loans (0.1%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/02 03:51 |
| End of Day Share Price | 2024/12/27 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
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.
Analysis Model and Snowflake
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Industry and Sector Metrics
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Analyst Sources
Village Bank and Trust Financial Corp. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
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