Village Bank and Trust Financial Corp. Fundamental Analysis
Village Bank and Trust Financial Corp. Fundamental Analysis
Village Bank and Trust Financial Corp. (VBFC) shows moderate financial fundamentals with a PE ratio of 17.10, profit margin of 21.08%, and ROE of 9.93%. The company generates $0.0B in annual revenue with weak year-over-year growth of 0.03%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 42.4/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze VBFC's fundamental strength across five key dimensions:
Efficiency Score
WeakVBFC struggles to generate sufficient returns from assets.
Valuation Score
ExcellentVBFC trades at attractive valuation levels.
Growth Score
WeakVBFC faces weak or negative growth trends.
Financial Health Score
ModerateVBFC shows balanced financial health with some risks.
Profitability Score
ModerateVBFC maintains healthy but balanced margins.
Key Financial Metrics
Is VBFC Expensive or Cheap?
P/E Ratio
VBFC trades at 17.10 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, VBFC's PEG of 0.06 indicates potential undervaluation.
Price to Book
The market values Village Bank and Trust Financial Corp. at 1.63 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.00 times EBITDA. This is generally considered low.
How Well Does VBFC Make Money?
Net Profit Margin
For every $100 in sales, Village Bank and Trust Financial Corp. keeps $21.08 as profit after all expenses.
Operating Margin
Core operations generate 99.55 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $9.93 in profit for every $100 of shareholder equity.
ROA
Village Bank and Trust Financial Corp. generates $0.93 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Village Bank and Trust Financial Corp. produces operating cash flow of $4.64M, showing steady but balanced cash generation.
Free Cash Flow
Village Bank and Trust Financial Corp. generates strong free cash flow of $4.33M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $2.89 in free cash annually.
FCF Yield
VBFC converts 3.60% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
17.10
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.06
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.63
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.61
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.69
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.10
vs 25 benchmark
ROA
Return on assets percentage
0.009
vs 25 benchmark
ROCE
Return on capital employed
0.04
vs 25 benchmark
How VBFC Stacks Against Its Sector Peers
| Metric | VBFC Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 17.10 | 19.38 | Better (Cheaper) |
| ROE | 9.93% | 804.00% | Weak |
| Net Margin | 21.08% | -7623.00% (disorted) | Strong |
| Debt/Equity | 0.69 | 1.07 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 609.22 | Weak Liquidity |
| ROA | 0.93% | -20946.00% (disorted) | Weak |
VBFC outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Village Bank and Trust Financial Corp.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
23.33%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
51.37%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
2987.91%
Industry Style: Value, Dividend, Cyclical
High Growth