Financhill
Buy
74

VBFC Quote, Financials, Valuation and Earnings

Last price:
$77.90
Seasonality move :
14.4%
Day range:
$78.00 - $78.40
52-week range:
$40.11 - $80.91
Dividend yield:
0.92%
P/E ratio:
16.16x
P/S ratio:
3.62x
P/B ratio:
1.59x
Volume:
10.4K
Avg. volume:
1.4K
1-year change:
92.36%
Market cap:
$117.6M
Revenue:
$25.3M
EPS (TTM):
$4.85

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
VBFC
Village Bank and Trust Financial
-- -- -- -- --
AUB
Atlantic Union Bankshares
$222.4M $0.79 21.89% 9.03% $46.00
BHB
Bar Harbor Bankshares
$34.3M $0.69 -10.43% 5.39% $35.00
CFB
CrossFirst Bankshares
$67.5M $0.43 9.87% 21.91% $20.19
EVBN
Evans Bancorp
$17.3M $0.48 -46.71% -74.05% $50.05
PRK
Park National
$128.1M $2.24 15.8% 48.34% $181.00
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
VBFC
Village Bank and Trust Financial
$78.40 -- $117.6M 16.16x $0.18 0.92% 3.62x
AUB
Atlantic Union Bankshares
$34.96 $46.00 $3.1B 14.51x $0.34 3.72% 3.71x
BHB
Bar Harbor Bankshares
$29.04 $35.00 $443.4M 10.45x $0.30 4.06% 2.94x
CFB
CrossFirst Bankshares
$14.11 $20.19 $695.8M 9.60x $0.00 0% 2.77x
EVBN
Evans Bancorp
$40.85 $50.05 $226.4M 12.27x $0.66 3.23% 2.70x
PRK
Park National
$165.08 $181.00 $2.7B 19.54x $1.56 2.57% 5.39x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
VBFC
Village Bank and Trust Financial
25.73% 0.264 22.54% 276.91x
AUB
Atlantic Union Bankshares
19.95% 1.464 23.45% 7.21x
BHB
Bar Harbor Bankshares
34.26% 1.362 50.9% 3.32x
CFB
CrossFirst Bankshares
9.9% 1.692 10.31% 24.68x
EVBN
Evans Bancorp
46.15% 1.446 73.84% 48.21x
PRK
Park National
19.85% 1.006 11.31% 11.28x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
VBFC
Village Bank and Trust Financial
-- -- 6.85% 10.5% 69.51% $6.8M
AUB
Atlantic Union Bankshares
-- -- 5.59% 7.59% 108.28% $64.1M
BHB
Bar Harbor Bankshares
-- -- 5.57% 9.79% 86.07% $22.4M
CFB
CrossFirst Bankshares
-- -- 9.24% 10.4% 137.76% $31.2M
EVBN
Evans Bancorp
-- -- 5.39% 10.61% 97.21% $11.9M
PRK
Park National
-- -- 8.97% 11.8% 57.64% $42.3M

Village Bank and Trust Financial vs. Competitors

  • Which has Higher Returns VBFC or AUB?

    Atlantic Union Bankshares has a net margin of 24.9% compared to Village Bank and Trust Financial's net margin of 35.42%. Village Bank and Trust Financial's return on equity of 10.5% beat Atlantic Union Bankshares's return on equity of 7.59%.

    Company Gross Margin Earnings Per Share Invested Capital
    VBFC
    Village Bank and Trust Financial
    -- $1.41 $99.9M
    AUB
    Atlantic Union Bankshares
    -- $0.82 $4B
  • What do Analysts Say About VBFC or AUB?

    Village Bank and Trust Financial has a consensus price target of --, signalling downside risk potential of --. On the other hand Atlantic Union Bankshares has an analysts' consensus of $46.00 which suggests that it could grow by 31.58%. Given that Atlantic Union Bankshares has higher upside potential than Village Bank and Trust Financial, analysts believe Atlantic Union Bankshares is more attractive than Village Bank and Trust Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    VBFC
    Village Bank and Trust Financial
    0 0 0
    AUB
    Atlantic Union Bankshares
    2 1 0
  • Is VBFC or AUB More Risky?

    Village Bank and Trust Financial has a beta of 0.749, which suggesting that the stock is 25.127% less volatile than S&P 500. In comparison Atlantic Union Bankshares has a beta of 0.936, suggesting its less volatile than the S&P 500 by 6.4%.

  • Which is a Better Dividend Stock VBFC or AUB?

    Village Bank and Trust Financial has a quarterly dividend of $0.18 per share corresponding to a yield of 0.92%. Atlantic Union Bankshares offers a yield of 3.72% to investors and pays a quarterly dividend of $0.34 per share. Village Bank and Trust Financial pays 51.15% of its earnings as a dividend. Atlantic Union Bankshares pays out 51.18% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios VBFC or AUB?

    Village Bank and Trust Financial quarterly revenues are $8.5M, which are smaller than Atlantic Union Bankshares quarterly revenues of $215.8M. Village Bank and Trust Financial's net income of $2.1M is lower than Atlantic Union Bankshares's net income of $76.4M. Notably, Village Bank and Trust Financial's price-to-earnings ratio is 16.16x while Atlantic Union Bankshares's PE ratio is 14.51x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Village Bank and Trust Financial is 3.62x versus 3.71x for Atlantic Union Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    VBFC
    Village Bank and Trust Financial
    3.62x 16.16x $8.5M $2.1M
    AUB
    Atlantic Union Bankshares
    3.71x 14.51x $215.8M $76.4M
  • Which has Higher Returns VBFC or BHB?

    Bar Harbor Bankshares has a net margin of 24.9% compared to Village Bank and Trust Financial's net margin of 31.58%. Village Bank and Trust Financial's return on equity of 10.5% beat Bar Harbor Bankshares's return on equity of 9.79%.

    Company Gross Margin Earnings Per Share Invested Capital
    VBFC
    Village Bank and Trust Financial
    -- $1.41 $99.9M
    BHB
    Bar Harbor Bankshares
    -- $0.80 $699.6M
  • What do Analysts Say About VBFC or BHB?

    Village Bank and Trust Financial has a consensus price target of --, signalling downside risk potential of --. On the other hand Bar Harbor Bankshares has an analysts' consensus of $35.00 which suggests that it could grow by 20.52%. Given that Bar Harbor Bankshares has higher upside potential than Village Bank and Trust Financial, analysts believe Bar Harbor Bankshares is more attractive than Village Bank and Trust Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    VBFC
    Village Bank and Trust Financial
    0 0 0
    BHB
    Bar Harbor Bankshares
    0 2 0
  • Is VBFC or BHB More Risky?

    Village Bank and Trust Financial has a beta of 0.749, which suggesting that the stock is 25.127% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.729, suggesting its less volatile than the S&P 500 by 27.076%.

  • Which is a Better Dividend Stock VBFC or BHB?

    Village Bank and Trust Financial has a quarterly dividend of $0.18 per share corresponding to a yield of 0.92%. Bar Harbor Bankshares offers a yield of 4.06% to investors and pays a quarterly dividend of $0.30 per share. Village Bank and Trust Financial pays 51.15% of its earnings as a dividend. Bar Harbor Bankshares pays out 36.94% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios VBFC or BHB?

    Village Bank and Trust Financial quarterly revenues are $8.5M, which are smaller than Bar Harbor Bankshares quarterly revenues of $38.6M. Village Bank and Trust Financial's net income of $2.1M is lower than Bar Harbor Bankshares's net income of $12.2M. Notably, Village Bank and Trust Financial's price-to-earnings ratio is 16.16x while Bar Harbor Bankshares's PE ratio is 10.45x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Village Bank and Trust Financial is 3.62x versus 2.94x for Bar Harbor Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    VBFC
    Village Bank and Trust Financial
    3.62x 16.16x $8.5M $2.1M
    BHB
    Bar Harbor Bankshares
    2.94x 10.45x $38.6M $12.2M
  • Which has Higher Returns VBFC or CFB?

    CrossFirst Bankshares has a net margin of 24.9% compared to Village Bank and Trust Financial's net margin of 29.27%. Village Bank and Trust Financial's return on equity of 10.5% beat CrossFirst Bankshares's return on equity of 10.4%.

    Company Gross Margin Earnings Per Share Invested Capital
    VBFC
    Village Bank and Trust Financial
    -- $1.41 $99.9M
    CFB
    CrossFirst Bankshares
    -- $0.39 $856.5M
  • What do Analysts Say About VBFC or CFB?

    Village Bank and Trust Financial has a consensus price target of --, signalling downside risk potential of --. On the other hand CrossFirst Bankshares has an analysts' consensus of $20.19 which suggests that it could grow by 43.07%. Given that CrossFirst Bankshares has higher upside potential than Village Bank and Trust Financial, analysts believe CrossFirst Bankshares is more attractive than Village Bank and Trust Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    VBFC
    Village Bank and Trust Financial
    0 0 0
    CFB
    CrossFirst Bankshares
    2 1 0
  • Is VBFC or CFB More Risky?

    Village Bank and Trust Financial has a beta of 0.749, which suggesting that the stock is 25.127% less volatile than S&P 500. In comparison CrossFirst Bankshares has a beta of 1.072, suggesting its more volatile than the S&P 500 by 7.202%.

  • Which is a Better Dividend Stock VBFC or CFB?

    Village Bank and Trust Financial has a quarterly dividend of $0.18 per share corresponding to a yield of 0.92%. CrossFirst Bankshares offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Village Bank and Trust Financial pays 51.15% of its earnings as a dividend. CrossFirst Bankshares pays out 0.62% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios VBFC or CFB?

    Village Bank and Trust Financial quarterly revenues are $8.5M, which are smaller than CrossFirst Bankshares quarterly revenues of $67.1M. Village Bank and Trust Financial's net income of $2.1M is lower than CrossFirst Bankshares's net income of $19.6M. Notably, Village Bank and Trust Financial's price-to-earnings ratio is 16.16x while CrossFirst Bankshares's PE ratio is 9.60x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Village Bank and Trust Financial is 3.62x versus 2.77x for CrossFirst Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    VBFC
    Village Bank and Trust Financial
    3.62x 16.16x $8.5M $2.1M
    CFB
    CrossFirst Bankshares
    2.77x 9.60x $67.1M $19.6M
  • Which has Higher Returns VBFC or EVBN?

    Evans Bancorp has a net margin of 24.9% compared to Village Bank and Trust Financial's net margin of 16.32%. Village Bank and Trust Financial's return on equity of 10.5% beat Evans Bancorp's return on equity of 10.61%.

    Company Gross Margin Earnings Per Share Invested Capital
    VBFC
    Village Bank and Trust Financial
    -- $1.41 $99.9M
    EVBN
    Evans Bancorp
    -- $0.53 $345.1M
  • What do Analysts Say About VBFC or EVBN?

    Village Bank and Trust Financial has a consensus price target of --, signalling downside risk potential of --. On the other hand Evans Bancorp has an analysts' consensus of $50.05 which suggests that it could grow by 22.52%. Given that Evans Bancorp has higher upside potential than Village Bank and Trust Financial, analysts believe Evans Bancorp is more attractive than Village Bank and Trust Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    VBFC
    Village Bank and Trust Financial
    0 0 0
    EVBN
    Evans Bancorp
    0 1 0
  • Is VBFC or EVBN More Risky?

    Village Bank and Trust Financial has a beta of 0.749, which suggesting that the stock is 25.127% less volatile than S&P 500. In comparison Evans Bancorp has a beta of 0.927, suggesting its less volatile than the S&P 500 by 7.33%.

  • Which is a Better Dividend Stock VBFC or EVBN?

    Village Bank and Trust Financial has a quarterly dividend of $0.18 per share corresponding to a yield of 0.92%. Evans Bancorp offers a yield of 3.23% to investors and pays a quarterly dividend of $0.66 per share. Village Bank and Trust Financial pays 51.15% of its earnings as a dividend. Evans Bancorp pays out 29.45% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios VBFC or EVBN?

    Village Bank and Trust Financial quarterly revenues are $8.5M, which are smaller than Evans Bancorp quarterly revenues of $18M. Village Bank and Trust Financial's net income of $2.1M is lower than Evans Bancorp's net income of $2.9M. Notably, Village Bank and Trust Financial's price-to-earnings ratio is 16.16x while Evans Bancorp's PE ratio is 12.27x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Village Bank and Trust Financial is 3.62x versus 2.70x for Evans Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    VBFC
    Village Bank and Trust Financial
    3.62x 16.16x $8.5M $2.1M
    EVBN
    Evans Bancorp
    2.70x 12.27x $18M $2.9M
  • Which has Higher Returns VBFC or PRK?

    Park National has a net margin of 24.9% compared to Village Bank and Trust Financial's net margin of 27.77%. Village Bank and Trust Financial's return on equity of 10.5% beat Park National's return on equity of 11.8%.

    Company Gross Margin Earnings Per Share Invested Capital
    VBFC
    Village Bank and Trust Financial
    -- $1.41 $99.9M
    PRK
    Park National
    -- $2.35 $1.5B
  • What do Analysts Say About VBFC or PRK?

    Village Bank and Trust Financial has a consensus price target of --, signalling downside risk potential of --. On the other hand Park National has an analysts' consensus of $181.00 which suggests that it could grow by 9.64%. Given that Park National has higher upside potential than Village Bank and Trust Financial, analysts believe Park National is more attractive than Village Bank and Trust Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    VBFC
    Village Bank and Trust Financial
    0 0 0
    PRK
    Park National
    0 2 0
  • Is VBFC or PRK More Risky?

    Village Bank and Trust Financial has a beta of 0.749, which suggesting that the stock is 25.127% less volatile than S&P 500. In comparison Park National has a beta of 0.739, suggesting its less volatile than the S&P 500 by 26.053%.

  • Which is a Better Dividend Stock VBFC or PRK?

    Village Bank and Trust Financial has a quarterly dividend of $0.18 per share corresponding to a yield of 0.92%. Park National offers a yield of 2.57% to investors and pays a quarterly dividend of $1.56 per share. Village Bank and Trust Financial pays 51.15% of its earnings as a dividend. Park National pays out 54.41% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios VBFC or PRK?

    Village Bank and Trust Financial quarterly revenues are $8.5M, which are smaller than Park National quarterly revenues of $137.6M. Village Bank and Trust Financial's net income of $2.1M is lower than Park National's net income of $38.2M. Notably, Village Bank and Trust Financial's price-to-earnings ratio is 16.16x while Park National's PE ratio is 19.54x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Village Bank and Trust Financial is 3.62x versus 5.39x for Park National. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    VBFC
    Village Bank and Trust Financial
    3.62x 16.16x $8.5M $2.1M
    PRK
    Park National
    5.39x 19.54x $137.6M $38.2M

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