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About the company
Village Bank and Trust Financial Corp. is a bank holding company whose activities consist of investment in its wholly owned subsidiary, Village Bank (the Bank). The Bank is a full-service chartered community bank. The Bank has nine branch offices. The Bank 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. The Company has two segments: traditional commercial banking and mortgage banking. The traditional commercial banking segment provides the mortgage banking segment with the short-term funds needed to originate mortgage loans through a warehouse line of credit and charges the mortgage banking segment interest based on the commercial banking segment’s cost of funds. The mortgage banking segment leases premises from the commercial banking segment.
- Revenue in USD (TTM)36.80m
- Net income in USD2.56m
- Incorporated2003
- Employees141.00
- LocationVillage Bank and Trust Financial Corp13319 Midlothian TurnpikeMIDLOTHIAN 23113United StatesUSA
- Phone+1 (804) 897-3900
- Fax+1 (804) 897-9043
- Websitehttps://www.investors.villagebank.com/corporate-profile/default.aspx
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bancorp 34 Inc | 37.13m | -3.97m | 73.70m | 50.00 | -- | 0.9857 | -- | 2.92 | -0.987 | -0.987 | 4.81 | 11.31 | -- | -- | -- | -- | -0.530 | 0.2289 | -- | -- | -- | -- | -15.76 | 6.45 | -- | -- | -- | 55.31 | 18.36 | 10.77 | -365.81 | -- | 2.71 | -- |
| Pathfinder Bancorp Inc (MARYLAND) | 73.63m | 6.69m | 73.91m | 161.00 | 14.22 | 0.7745 | 7.15 | 1.70 | 1.10 | 1.10 | 7.17 | 20.22 | -- | -- | -- | -- | 0.6311 | 0.746 | -- | -- | -- | -- | 20.56 | 22.34 | -- | -- | -- | 23.09 | 32.42 | 14.22 | -27.78 | 11.74 | -19.15 | 8.67 |
| Auburn National Bancorporation Inc | 36.56m | 608.00k | 76.16m | 149.00 | 125.54 | 1.01 | 32.38 | 3.32 | 0.1737 | 0.1737 | 6.56 | 21.53 | -- | -- | -- | -- | 0.0593 | 0.7687 | -- | -- | -- | -- | 2.65 | 25.23 | -- | -- | -- | 49.74 | 16.34 | 3.28 | -86.52 | -30.87 | 11.74 | 2.38 |
| Lake Shore Bancorp, Inc. | 34.70m | 4.45m | 78.31m | 115.00 | 17.96 | 0.9008 | 14.94 | 3.11 | 0.7599 | 0.7599 | 4.30 | 15.15 | -- | -- | -- | -- | 0.6245 | 0.7579 | -- | -- | -- | -- | 17.68 | 20.50 | -- | -- | -- | 18.99 | 26.17 | 9.40 | -15.56 | 3.80 | -13.73 | -- |
| Kish Bancorp Inc | 83.54m | 13.20m | 79.23m | -- | 6.94 | 0.8993 | -- | 1.38 | 4.33 | 4.33 | 18.42 | 33.41 | -- | -- | -- | -- | 0.8699 | 0.8922 | -- | -- | -- | -- | 23.06 | 22.58 | -- | -- | -- | 28.46 | 55.52 | 16.66 | 4.98 | 17.49 | -- | 8.90 |
| Village Bank and Trust Financial Corp. | 36.80m | 2.56m | 80.74m | 141.00 | 31.58 | 1.15 | 25.14 | 3.07 | 1.71 | 1.71 | 17.64 | 46.91 | -- | -- | -- | -- | 0.3413 | 1.07 | -- | -- | -- | -- | 9.75 | 23.02 | -- | -- | -- | 5.72 | 21.05 | 9.57 | -76.91 | -8.09 | 25.61 | -- |
| Magyar Bancorp Inc | 46.42m | 7.43m | 81.13m | 89.00 | 10.74 | 0.7553 | 9.77 | 2.67 | 1.16 | 1.16 | 4.77 | 16.55 | -- | -- | -- | -- | 0.8242 | 0.7236 | -- | -- | -- | -- | 24.40 | 19.98 | -- | -- | -- | -- | 29.03 | 9.35 | -2.65 | 30.59 | 1.70 | -- |
| Peoples Financial Corp | 33.17m | 8.38m | 81.58m | 137.00 | 9.75 | 1.10 | 8.10 | 2.57 | 1.80 | 1.80 | 6.80 | 15.92 | -- | -- | -- | -- | 0.9615 | 0.716 | -- | -- | -- | -- | 26.42 | 19.09 | -- | -- | -- | 16.75 | 37.63 | 10.56 | 2.52 | 70.89 | 29.75 | 71.88 |
| F & M Bank Corp | 60.97m | 5.71m | 82.64m | 151.00 | 14.41 | 1.01 | 11.57 | 1.93 | 1.63 | 1.63 | 12.24 | 23.19 | -- | -- | -- | -- | 0.4411 | 0.6693 | -- | -- | -- | -- | 13.35 | 16.43 | -- | -- | -- | 50.07 | 33.67 | 9.14 | -66.69 | -19.91 | 12.69 | 1.83 |
| FFD Financial Corp | 10.57m | 1.51m | 83.19m | 51.00 | 57.25 | 4.37 | -- | 9.08 | 0.4961 | 0.4961 | 3.00 | 6.50 | -- | -- | -- | -- | 0.6761 | 0.655 | -- | -- | -- | -- | 16.52 | 16.39 | -- | -- | -- | 54.94 | 2.40 | 2.19 | 40.98 | 0.00 | 16.91 | 7.67 |
| Northway Financial Inc | -100.00bn | -100.00bn | 83.86m | 249.00 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 19.17 | -- | -- | -- | -- | -- | 2.09 | -- | 18.30 | -- | 1.81 |
| University Bancorp Inc (MICHIGAN) | 4.46m | 1.83m | 85.30m | 81.00 | 43.22 | 8.20 | 24.87 | 2.33 | 0.3818 | 0.3818 | 7.65 | 2.01 | -- | -- | -- | -- | 2.00 | 1.85 | -- | -- | -- | -- | 6.65 | 6.56 | -- | -- | -- | -- | 17.72 | 4.91 | 21.25 | -- | 1.41 | -- |
| Oconee Federal Financial Corp | 18.29m | 4.11m | 85.34m | 79.00 | 17.03 | 1.12 | 16.57 | 4.96 | 0.7329 | 0.7329 | 3.07 | 11.14 | -- | -- | -- | -- | 0.7286 | 0.7612 | -- | -- | -- | -- | 23.90 | 23.31 | -- | -- | -- | 56.27 | -1.46 | -0.8648 | 0.9125 | -5.76 | 1.88 | 0.00 |
| Security Federal Corp | 72.75m | 9.62m | 86.80m | 258.00 | 9.13 | 0.9337 | 7.35 | 1.74 | 2.97 | 2.97 | 15.39 | 55.03 | -- | -- | -- | -- | 0.6445 | 0.7942 | -- | -- | -- | -- | 19.53 | 21.70 | -- | -- | -- | 16.68 | 52.61 | 14.46 | -0.3715 | 7.17 | -0.0951 | 7.63 |
| Jeffersonville Bancorp | 30.48m | 10.90m | 86.81m | 125.00 | 7.96 | 1.04 | -- | 2.84 | 2.57 | 2.57 | 7.23 | 19.68 | -- | -- | -- | -- | 1.58 | 1.21 | -- | -- | -- | -- | 35.61 | 30.14 | -- | -- | -- | 35.90 | 24.02 | 7.43 | 20.11 | 12.49 | 31.19 | 0.00 |
Data as of Sep 20 2024. Currency figures normalised to Village Bank and Trust Financial Corp's reporting currency: US Dollar USD
12.10%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| AllianceBernstein LPas of 31 Mar 2024 | 66.75k | 4.46% |
| Elizabeth Park Capital Advisors Ltd.as of 31 Mar 2024 | 45.27k | 3.03% |
| Minerva Advisors LLCas of 31 Mar 2024 | 19.75k | 1.32% |
| Jane Street Capital LLCas of 31 Mar 2024 | 17.76k | 1.19% |
| The Vanguard Group, Inc.as of 31 Mar 2024 | 11.22k | 0.75% |
| First Manhattan Co LLCas of 31 Mar 2024 | 6.56k | 0.44% |
| De Lisle Partners LLPas of 30 Jun 2024 | 5.37k | 0.36% |
| Siena Capital Partners GP LLCas of 31 Mar 2024 | 2.85k | 0.19% |
| UBS Financial Services, Inc.as of 31 Mar 2024 | 2.77k | 0.19% |
| South State Advisory, Inc.as of 30 Jun 2024 | 2.56k | 0.17% |
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Data from 31 Mar 2024 - 30 Jun 2024Source: FactSet Research Systems Inc.
