Price (delayed)
$50.44
Market cap
$75.42M
P/E Ratio
29.33
Dividend/share
$0.72
EPS
$1.72
Enterprise value
$101.39M
Village Bank and Trust Financial Corp. was organized under the laws of the Commonwealth of Virginia as a bank holding company whose activities consist of investment in its wholly-owned subsidiary,
Highlights
The debt has contracted by 25% YoY and by 18% from the previous quarter
The equity has grown by 10% YoY and by 2.6% from the previous quarter
The EPS has dropped by 64% year-on-year but it has increased by 19% since the previous quarter
The company's net income has shrunk by 64% YoY but it rose by 19% QoQ
The P/E is 142% more than the 5-year quarterly average of 12.1 and 2.2% more than the last 4 quarters average of 28.7
Key stats
What are the main financial stats of VBFC
Market
Valuations
Earnings
Shares outstanding
1.5M
Market cap
$75.42M
Enterprise value
$101.39M
Price to earnings (P/E)
29.33
Price to book (P/B)
1.08
Price to sales (P/S)
2.89
EV/EBIT
33.03
EV/EBITDA
27.28
EV/Sales
3.89
Revenue
$26.09M
EBIT
$3.07M
EBITDA
$3.72M
Free cash flow
$6.53M
Per share
Balance sheet
Liquidity
EPS
$1.72
Free cash flow per share
$4.37
Book value per share
$46.91
Revenue per share
$17.45
TBVPS
$500.07
Total assets
$747.73M
Total liabilities
$677.58M
Debt
$44.46M
Equity
$70.14M
Working capital
N/A
Debt to equity
0.63
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
6.99
Margins
Efficiency
Dividend
EBITDA margin
14.2%
Gross margin
100%
Net margin
9.8%
Operating margin
11.8%
Return on assets
0.3%
Return on equity
3.8%
Return on invested capital
0.4%
Return on capital employed
N/A
Return on sales
11.8%
Dividend yield
1.43%
DPS
$0.72
Payout ratio
41.9%
VBFC stock price
How has the Village Bank & Trust Financial stock price performed over time
Intraday
2.31%
1 week
4%
1 month
5.57%
1 year
9.65%
YTD
26.54%
QTD
13.2%
Financial performance
How have Village Bank & Trust Financial's revenue and profit performed over time
Revenue
$26.09M
Gross profit
$26.09M
Operating income
$3.07M
Net income
$2.56M
Gross margin
100%
Net margin
9.8%
Village Bank & Trust Financial's operating income has shrunk by 65% YoY but it has increased by 22% QoQ
The company's net income has shrunk by 64% YoY but it rose by 19% QoQ
The operating margin has plunged by 58% YoY but it has grown by 19% from the previous quarter
The net margin has plunged by 57% YoY but it has grown by 15% from the previous quarter
Growth
What is Village Bank & Trust Financial's growth rate over time
Valuation
What is Village Bank & Trust Financial stock price valuation
P/E
29.33
P/B
1.08
P/S
2.89
EV/EBIT
33.03
EV/EBITDA
27.28
EV/Sales
3.89
The P/E is 142% more than the 5-year quarterly average of 12.1 and 2.2% more than the last 4 quarters average of 28.7
The EPS has dropped by 64% year-on-year but it has increased by 19% since the previous quarter
The equity has grown by 10% YoY and by 2.6% from the previous quarter
The P/B is 8% more than the last 4 quarters average of 1.0
VBFC's price to sales (P/S) is 45% higher than its 5-year quarterly average of 2.0 and 16% higher than its last 4 quarters average of 2.5
The revenue has declined by 17% year-on-year but it has grown by 2.6% since the previous quarter
Efficiency
How efficient is Village Bank & Trust Financial business performance
VBFC's ROA has dropped by 70% year-on-year
The return on equity has dropped by 67% year-on-year but it rose by 15% since the previous quarter
The ROIC has dropped by 67% year-on-year but it is up by 33% since the previous quarter
The return on sales has dropped by 58% year-on-year but it has increased by 19% since the previous quarter
Dividends
What is VBFC's dividend history
DPS
$0.72
Dividend yield
1.43%
Payout ratio
41.9%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Village Bank & Trust Financial financials performed over time
Village Bank & Trust Financial's total assets is 10% more than its total liabilities
The debt is 37% less than the equity
The debt to equity has contracted by 32% YoY and by 21% from the previous quarter
The debt has contracted by 25% YoY and by 18% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.