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Village Bank and Trust Financial Corp. VBFC

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Price alert · VBFC

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80.21 0.00 0.00%

At close · Mar 31

80.13 Day range 80.35

52-week range unavailable

Open
80.35
Prev close
80.21
Mkt cap
119.50M
Vol
1.26K
Avg vol
0
EPS
0.00
P/E
0.00
Div yield
0.90%
More statistics
Low
80.13
High
80.35
Forward P/E
0.00
Beta
0.75
Short ratio
2.72
Inst. own
19.11%
Dividend
0.72
Ex-div date
Nov 28, 2024
50-d avg
77.18
200-d avg
55.40
1y target
0.00

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Financial health

Altman Z-Score

0.23 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 16.6×
FY 2015: 3.4×FY 2016: 3.0×FY 2017: -13.9×FY 2018: 14.4×FY 2019: 12.0×FY 2020: 5.9×FY 2021: 6.8×FY 2022: 9.3×FY 2023: 30.9×FY 2024: 16.6×
FY 2015 5y median 9.3× FY 2024
P/S 3.5×
FY 2015: 1.8×FY 2016: 2.8×FY 2017: 1.9×FY 2018: 1.8×FY 2019: 2.1×FY 2020: 1.5×FY 2021: 2.2×FY 2022: 2.4×FY 2023: 1.8×FY 2024: 3.5×
FY 2015 5y median 2.2× FY 2024
P/B 1.6×
FY 2015: 0.7×FY 2016: 0.9×FY 2017: 1.1×FY 2018: 1.2×FY 2019: 1.2×FY 2020: 1.0×FY 2021: 1.3×FY 2022: 1.3×FY 2023: 0.9×FY 2024: 1.6×
FY 2015 5y median 1.3× FY 2024
P/FCF 26.9×
FY 2015: -6.5×FY 2016: 94.9×FY 2017: 6.3×FY 2018: 6.3×FY 2019: -670×FY 2020: -6.7×FY 2021: 2.0×FY 2022: 7.8×FY 2023: 13.6×FY 2024: 26.9×
FY 2015 5y median 7.8× FY 2024
EV/EBITDA 2.3×
FY 2015: 0.0×FY 2016: 0.0×FY 2017: 0.0×FY 2018: 14.9×FY 2019: 13.1×FY 2020: 8.0×FY 2021: 5.3×FY 2022: 9.2×FY 2023: 39.1×FY 2024: 2.3×
FY 2015 5y median 8.0× FY 2024
EV/Sales 4.6×
FY 2015: 1.6×FY 2016: 2.9×FY 2017: 2.1×FY 2018: 2.8×FY 2019: 3.2×FY 2020: 2.8×FY 2021: 2.3×FY 2022: 3.1×FY 2023: 3.3×FY 2024: 4.6×
FY 2015 5y median 3.1× FY 2024
FCF Yield 3.7%
FY 2015: -15.5%FY 2016: 1.1%FY 2017: 15.9%FY 2018: 15.8%FY 2019: -0.1%FY 2020: -14.9%FY 2021: 49.3%FY 2022: 12.8%FY 2023: 7.3%FY 2024: 3.7%
FY 2015 5y median 7.3% FY 2024

Profitability

Gross Margin 99.5%
FY 2015: 100.0%FY 2016: 181.1%FY 2017: 93.3%FY 2018: 98.6%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 75.7%FY 2024: 99.5%
FY 2015 5y median 100.0% FY 2024
Operating Margin 99.5%
FY 2015: 27.8%FY 2016: 37.0%FY 2017: 18.5%FY 2018: 32.3%FY 2019: 21.6%FY 2020: 33.5%FY 2021: 41.9%FY 2022: 37.6%FY 2023: 6.5%FY 2024: 99.5%
FY 2015 5y median 37.6% FY 2024
Net Margin 21.1%
FY 2015: 5.1%FY 2016: 101.0%FY 2017: -13.6%FY 2018: 12.8%FY 2019: 17.2%FY 2020: 26.0%FY 2021: 32.9%FY 2022: 25.7%FY 2023: 5.8%FY 2024: 21.1%
FY 2015 5y median 25.7% FY 2024
ROE 9.5%
FY 2015: 2.1%FY 2016: 31.0%FY 2017: -7.9%FY 2018: 8.2%FY 2019: 10.4%FY 2020: 16.5%FY 2021: 19.6%FY 2022: 13.6%FY 2023: 2.8%FY 2024: 9.5%
FY 2015 5y median 13.6% FY 2024
ROIC 12.5%
FY 2015: 5.8%FY 2016: 9.1%FY 2017: -12.8%FY 2018: 5.4%FY 2019: 3.5%FY 2020: 7.7%FY 2021: 5.8%FY 2022: 6.1%FY 2023: 0.3%FY 2024: 12.5%
FY 2015 5y median 6.1% FY 2024
ROA 0.9%
FY 2015: 0.2%FY 2016: 3.0%FY 2017: -0.6%FY 2018: 0.6%FY 2019: 0.8%FY 2020: 1.2%FY 2021: 1.7%FY 2022: 1.1%FY 2023: 0.3%FY 2024: 0.9%
FY 2015 5y median 1.1% FY 2024

Growth (YoY)

Revenue 0.0%
FY 2015: -2.9%FY 2016: 5.9%FY 2017: 69.5%FY 2018: 4.4%FY 2019: 10.1%FY 2020: 26.4%FY 2021: 14.9%FY 2022: -14.6%FY 2023: 3.0%FY 2024: 0.0%
FY 2015 FY 2024
Operating Income 1430.5%
FY 2015: 39.2%FY 2016: 40.9%FY 2017: -15.3%FY 2018: 82.2%FY 2019: -26.1%FY 2020: 95.7%FY 2021: 43.8%FY 2022: -23.6%FY 2023: -82.2%FY 2024: 1430.5%
FY 2015 FY 2024
EPS (diluted) 263.6%
FY 2015: 277.1%FY 2016: 63.8%FY 2017: -124.4%FY 2018: 196.8%FY 2019: 46.2%FY 2020: 89.0%FY 2021: 44.7%FY 2022: -33.7%FY 2023: -77.0%FY 2024: 263.6%
FY 2015 FY 2024
Free Cash Flow -0.3%
FY 2015: -923.9%FY 2016: 111.7%FY 2017: 1617.0%FY 2018: 0.3%FY 2019: -101.2%FY 2020: -9235.0%FY 2021: 661.0%FY 2022: -76.6%FY 2023: -55.7%FY 2024: -0.3%
FY 2015 FY 2024

Financial Health

Current Ratio 0.1×
FY 2015: 35.7×FY 2016: 593×FY 2017: 601×FY 2018: 270×FY 2019: 314×FY 2020: 302×FY 2021: 1618×FY 2022: 2137×FY 2023: 103×FY 2024: 0.1×
FY 2015 5y median 302× FY 2024
Quick Ratio 0.1×
FY 2015: 35.7×FY 2016: 442×FY 2017: 999×FY 2018: 375×FY 2019: 314×FY 2020: 302×FY 2021: 1618×FY 2022: 2137×FY 2023: 103×FY 2024: 0.1×
FY 2015 5y median 302× FY 2024
Debt / Equity 0.7×
FY 2015: 0.5×FY 2016: 0.3×FY 2017: 0.6×FY 2018: 1.0×FY 2019: 1.1×FY 2020: 1.1×FY 2021: 0.2×FY 2022: 0.6×FY 2023: 0.9×FY 2024: 0.7×
FY 2015 5y median 0.7× FY 2024
Net Debt / EBITDA 0.5×
FY 2015: 0.0×FY 2016: 0.0×FY 2017: 0.0×FY 2018: 5.1×FY 2019: 4.6×FY 2020: 3.7×FY 2021: 0.1×FY 2022: 2.1×FY 2023: 17.7×FY 2024: 0.5×
FY 2015 5y median 2.1× FY 2024
Interest Coverage 0.0×
FY 2015: 1.2×FY 2016: 1.9×FY 2017: 1.5×FY 2018: 2.0×FY 2019: 1.1×FY 2020: 2.2×FY 2021: 7.3×FY 2022: 6.8×FY 2023: 0.3×FY 2024: 0.0×
FY 2015 5y median 2.2× FY 2024

Dividends

Dividend Yield 0.9%
FY 2015: 0.0%FY 2016: 0.0%FY 2017: 7.5%FY 2018: 0.3%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.2%FY 2022: 1.1%FY 2023: 1.7%FY 2024: 0.9%
FY 2015 5y median 0.9% FY 2024
Payout Ratio 15.3%
FY 2015: 0.0%FY 2016: 0.0%FY 2017: -105.2%FY 2018: 3.7%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 1.7%FY 2022: 10.3%FY 2023: 51.1%FY 2024: 15.3%
FY 2015 5y median 10.3% FY 2024

Annual · latest fiscal year ends 2024-12-31