Village Bank And Stock Today

VBFC Stock  USD 42.50  0.50  1.19%   

Performance

8 of 100

 
Low
 
High
OK

Odds Of Distress

Less than 1

 
100  
 
Zero
Very Small
Village Bank is trading at 42.50 as of the 28th of March 2024, a 1.19 percent increase since the beginning of the trading day. The stock's open price was 42.0. Village Bank has a very small chance of experiencing financial distress in the next few years but had a somewhat ok performance during the last 90 days. Equity ratings for Village Bank And are calculated daily based on our scoring framework. The performance scores are derived for the period starting the 27th of February 2024 and ending today, the 28th of March 2024. Click here to learn more.
Business Domain
Banks
IPO Date
1st of April 1996
Category
Financial Services
Classification
Financials
Village Bank and Trust Financial Corp. primarily operates as the bank holding company for Village Bank that provides banking and related financial services to small and medium sized businesses, professionals, and individuals. The company was founded in 1999 and is headquartered in Midlothian, Virginia. The company has 1.49 M outstanding shares of which 610 shares are at this time shorted by private and institutional investors with about 2.2 trading days to cover. More on Village Bank And

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Village Stock Highlights

Most reasonable investors view market volatility as an opportunity to invest at a favorable price or to sell short against a bearish trend. Village Bank's investment highlights are automatically generated signals that are significant enough to either complement your investing judgment regarding Village Bank or challenge it. These highlights can help you better understand the position you are entering and avoid costly mistakes.
CEOWilliam Foster
Thematic IdeaBanking (View all Themes)
Business ConcentrationRegional Banks, Banks - Regional, Financial Services, NASDAQ Composite, NASDAQ Composite Total, Banking, Financials, Banks, Banks—Regional, Financial Services (View all Sectors)
Financial Strength
Based on the analysis of Village Bank's profitability, liquidity, and operating efficiency, Village Bank And is performing exceptionally good at this time. It has a great probability to report excellent financial results in April. Financial strength of Village Bank And is based on its profitability, leverage, liquidity, source of funds, and operating efficiency.
Current ValueLast YearChange From Last Year 10 Year Trend
Asset Turnover0.03260.0451
Way Down
Slightly volatile
Gross Profit Margin1.361.13
Fairly Up
Slightly volatile
Total Current Liabilities465.2 M443.1 M
Sufficiently Up
Slightly volatile
Non Current Liabilities Total237.5 M226.2 M
Sufficiently Up
Slightly volatile
Total Assets515.2 M736.8 M
Way Down
Slightly volatile
Total Current Assets20.5 M21.5 M
Notably Down
Slightly volatile
Village Bank's financial strength is of vital concern to both outside investors and internal stakeholders. Efficiency and cost control are keys to Village Bank's success, along with its ability to generate sufficient cash flow to pay bills, repay debt, and make a consistent year-to-year profit.
Financial leverage usually refers to the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand Village Bank's financial leverage. It provides some insight into what part of Village Bank's total assets is financed by creditors.
By using current balance sheet information, investors can analyze the liability, assets, and equity on Village Bank's books and decide whether to invest or hold. Statistics such as return on equity (ROE), debt to equity (D/E) help investors determine how Village Bank deploys its capital and how much of that capital is borrowed.
Liquidity
Village Bank cash flow analysis is essential to understand how it generates and spends money over a specific period. It can also help you figure out where your money is going and how much cash you have available at a given moment. The company currently holds 59.46 M in liabilities with Debt to Equity (D/E) ratio of 12.83, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist Village Bank until it has trouble settling it off, either with new capital or with free cash flow. So, Village Bank's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Village Bank And sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Village to invest in growth at high rates of return. When we think about Village Bank's use of debt, we should always consider it together with cash and equity.

Free Cash Flow

2.88 Million
Village Bank And (VBFC) is traded on NASDAQ Exchange in USA. It is located in 13319 Midlothian Turnpike, Midlothian, VA, United States, 23113 and employs 141 people. Village Bank is listed under Regional Banks category by Fama And French industry classification. The company currently falls under 'Micro-Cap' category with a current market capitalization of 62.7 M. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate Village Bank's market, we take the total number of its shares issued and multiply it by Village Bank's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and those looking for more risk prefer small-cap and mid-cap equities. Village Bank And conducts business under Banks sector and is part of Financials industry. The entity has 1.49 M outstanding shares of which 610 shares are at this time shorted by private and institutional investors with about 2.2 trading days to cover. Village Bank And currently holds about 55.3 M in cash with 5.26 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 37.69.
Check Village Bank Probability Of Bankruptcy
Ownership Allocation
The market capitalization of Village Bank is $62.7 Million. Village Bank And has majority of its outstanding shares owned by insiders. An insider is usually defined as a corporate executive, director, member of the board or institutional investor who own at least 10% of the company's outstanding shares. 60.49 % of Village Bank outstanding shares that are owned by insiders indicates they have been buying or selling the stock in recent months in anticipation of some upcoming event. Note, that even with substantial debt, if the true value of the company is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.
Check Village Ownership Details

Village Stock Price Odds Analysis

What are Village Bank's target price odds to finish over the current price? Based on a normal probability distribution, the odds of Village Bank jumping above the current price in 90 days from now is about 9.42%. The Village Bank And probability density function shows the probability of Village Bank stock to fall within a particular range of prices over 90 days. Given the investment horizon of 90 days Village Bank And has a beta of -0.5811. This entails as returns on benchmark increase, returns on holding Village Bank are expected to decrease at a much lower rate. During the bear market, however, Village Bank And is likely to outperform the market. Additionally, village Bank And has an alpha of 0.1879, implying that it can generate a 0.19 percent excess return over NYSE Composite after adjusting for the inherited market risk (beta).
  Odds Below 42.5HorizonTargetOdds Above 42.5
90.43%90 days
 42.50 
9.42%
Based on a normal probability distribution, the odds of Village Bank to move above the current price in 90 days from now is about 9.42 (This Village Bank And probability density function shows the probability of Village Stock to fall within a particular range of prices over 90 days) .

Village Stock Institutional Holders

Institutional Holdings refers to the ownership stake in Village Bank that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Village Bank's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Village Bank's value.
InstituionRecorded OnShares
Tower Research Capital Llc2023-12-31
331
Wells Fargo & Co2023-12-31
162
Northwestern Mutual Wealth Management Co2023-12-31
46.0
Royal Bank Of Canada2023-12-31
25.0
Spire Wealth Management2023-12-31
25.0
Salomon & Ludwin, Llc2023-12-31
13.0
Heritage Wealth Advisors, Llc2023-12-31
7.0
Siena Capital Management, Llc2023-12-31
0.0
Geode Capital Management, Llc2023-12-31
0.0
Alliancebernstein L.p.2023-12-31
59.9 K
Elizabeth Park Capital Advisors, Ltd2023-12-31
45.3 K
View Village Bank Diagnostics

Village Bank Historical Income Statement

Village Bank And Income Statement is one of the three primary financial statements used for reporting Village's overall financial performance over a current year or for a given accounting period. An Income Statement sometimes referred to as the statement of Village Bank And revenue and expense. Village Bank Income Statement primarily focuses on the company's revenues and expenses during a particular period.
At present, Village Bank's Interest Expense is projected to decrease significantly based on the last few years of reporting. The current year's Selling And Marketing Expenses is expected to grow to about 570.5 K, whereas Selling General Administrative is forecasted to decline to about 11.6 M. View More Fundamentals

Village Stock Against Markets

Picking the right benchmark for Village Bank stock is fundamental to making educated investment choices. Many naive investors compare their positions with the S&P 500 or with the Nasdaq. But these benchmarks are not all-inclusive and generally should be used only for large-capitalization equities or stock offerings from large companies. When the price of a selected benchmark declines in a down market, there may be an uptick in Village Bank stock price where buyers come in believing the asset is cheap. The opposite is true when the market is bullish; so, accurately picking the benchmark for Village Bank is critical whether you are bullish or bearish towards Village Bank And at a given time. Please also check how Village Bank's historical prices are related to one of the top price index indicators.

Be your own money manager

Our tools can tell you how much better you can do entering a position in Village Bank without increasing your portfolio risk or giving up the expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate risk-adjusted returns of your individual positions relative to your overall portfolio.

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Village Bank Corporate Directors

Village Bank corporate directors refer to members of a Village Bank board of directors. The board of directors generally takes responsibility for the Village Bank's affairs and long-term direction of the entity. A corporate director does not make decisions for the corporation on his own. As a member of the board of directors, she or he must function as a part of a group that makes decisions on behalf of the business only by the board of directors' meetings. To pass a resolution, a majority of Village Bank's board members must vote for the resolution. The Village Bank board of directors' duties also include the election, removal, and supervision of officers, including the adoption, amendment, and repeal of bylaws.
Woodland HoggIndependent DirectorProfile
Michael ToalsonIndependent DirectorProfile
Frank JenkinsDirectorProfile
James HendricksChief Credit Officer, Executive VP, Director of Special Assets and Chief Credit Officer of Village BankProfile

How to buy Village Stock?

Before investing in Village Bank, you must ensure you fully understand your financial goals and how diversified (or not) your overall investments are now. Then, after you clearly understand your investment objectives, consider investing in Village Bank. To buy Village Bank stock, you can follow these steps:
  • Choose a brokerage firm: You need to select a brokerage firm to buy shares of Village Bank. Some popular options include Charles Schwab, Fidelity, TD Ameritrade, and Robinhood.
  • Open an account: Once you have chosen a brokerage firm, you will need to open an account. You will be required to provide personal information, such as your name, address, and Social Security number.
  • Fund your account: You will need to deposit funds into your brokerage account to purchase Village Bank stock. You can do this by transferring funds from your bank account or other investment accounts.
  • Place your order: Once you have located Village Bank And stock in your brokerage account, you can place your order to buy it. You will need to specify the number of shares you want to buy and the price you are willing to pay.
  • Monitor your investment: After you have purchased Village Bank And stock, you should monitor your investment to track its performance and make informed decisions about buying, selling, or holding the stock
It's important to note that investing in stocks, such as Village Bank And, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember various factors, including economic indicators, change in net worth, political events, company-specific news, and investor sentiment, can influence the stock market. These factors can cause fluctuations in stock prices and lead to market volatility affecting your buy or sell decision. However, volatility can also present opportunities for investors to make gains by buying stocks when prices are low and selling when they are high. It's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. For more information on how to buy Village Stock please use our How to Invest in Village Bank guide.

Already Invested in Village Bank And?

The danger of trading Village Bank And is mainly related to its market volatility and Company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of Village Bank is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than Village Bank. The Sharpe ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile Village Bank And is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
When determining whether Village Bank And offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Village Bank's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Village Bank And Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Village Bank And Stock:
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Village Bank And. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in census.
Note that the Village Bank And information on this page should be used as a complementary analysis to other Village Bank's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Theme Ratings module to determine theme ratings based on digital equity recommendations. Macroaxis theme ratings are based on combination of fundamental analysis and risk-adjusted market performance.

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When running Village Bank's price analysis, check to measure Village Bank's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Village Bank is operating at the current time. Most of Village Bank's value examination focuses on studying past and present price action to predict the probability of Village Bank's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Village Bank's price. Additionally, you may evaluate how the addition of Village Bank to your portfolios can decrease your overall portfolio volatility.
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Is Village Bank's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Village Bank. If investors know Village will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Village Bank listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.22)
Earnings Share
1.29
Revenue Per Share
16.96
Quarterly Revenue Growth
(0.06)
Return On Assets
0.0026
The market value of Village Bank And is measured differently than its book value, which is the value of Village that is recorded on the company's balance sheet. Investors also form their own opinion of Village Bank's value that differs from its market value or its book value, called intrinsic value, which is Village Bank's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Village Bank's market value can be influenced by many factors that don't directly affect Village Bank's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Village Bank's value and its price as these two are different measures arrived at by different means. Investors typically determine if Village Bank is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Village Bank's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.