Financial Snapshot

Revenue
$33.92M
TTM
Gross Margin
Net Earnings
$7.223M
TTM
Current Assets
Current Liabilities
$20.36M
Q3 2024
Current Ratio
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$74.20M
Q3 2024
Cash
Q3 2024
P/E
16.10
Nov 29, 2024 EST
Free Cash Flow
$10.44M
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003
Revenue $38.22M $35.79M $43.01M $41.38M $29.00M $25.40M $26.84M $25.56M $24.47M
YoY Change 6.81% -16.8% 3.94% 14.17% -5.35% 5.0% 4.48%

Expenses

Cost Of Revenues

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003
Revenue $38.22M $35.79M $43.01M $41.38M $29.00M $25.40M $26.84M $25.56M $24.47M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

No data

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

Operating Profits/Loss

No data

Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $604.0K $546.0K $582.0K $586.0K $640.0K $724.0K $742.0K $765.0K $843.0K $681.0K $1.311M $1.370M $1.420M $1.310M $1.250M $800.0K $670.0K $480.0K $330.0K $340.0K $260.0K
YoY Change 10.62% -6.19% -0.68% -8.44% -11.6% -2.43% -3.01% -9.25% 23.79% -48.05% -4.31% -3.52% 8.4% 4.8% 56.25% 19.4% 39.58% 45.45% -2.94% 30.77% 44.44%
% of Gross Profit
Operating Expenses $36.06M $25.49M $27.14M $30.34M $25.27M $23.93M $24.50M $24.92M $25.50M
YoY Change 41.45% -6.07% -10.56% 5.6% -2.31% -1.68% -2.31%
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

No data

Other Expense/Income

Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003
Interest Expense $7.986M $1.781M $2.172M $4.433M $3.908M $2.721M $2.609M $2.867M $3.560M
YoY Change 348.4% -18.0% -51.0% 43.62% 4.29% -9.0% -19.47%
% of Operating Profit
Other Income/Expense, Net $9.648M $8.546M $8.359M $8.729M $7.996M $7.605M $8.988M $9.648M $10.09M
YoY Change 12.89% 2.24% -4.24% 5.14% -15.39% -6.84% -4.42%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003
Pretax Income $2.165M $10.30M $15.87M $11.04M $5.640M $3.730M $1.471M $2.341M $646.0K -$1.037M -$4.010M -$6.340M -$12.25M $2.140M -$16.48M $710.0K $1.520M $2.100M $1.700M $520.0K $70.00K
YoY Change -78.97% -35.14% 43.79% 95.73% 51.21% 153.57% -37.16% 262.38% -162.3% -74.14% -36.75% -48.24% -672.43% -112.99% -2421.13% -53.29% -27.62% 23.53% 226.92% 642.86% -121.21%
Income Tax $247.0K $1.990M $3.420M $2.485M $1.160M $693.0K $4.567M -$11.17M $0.00 $0.00 $0.00 $4.060M -$430.0K $710.0K -$3.880M $240.0K $520.0K $700.0K $470.0K -$340.0K $0.00
% Of Pretax Income 11.41% 19.33% 21.55% 22.51% 20.57% 18.58% 310.47% -477.23% 0.0% 33.18% 33.8% 34.21% 33.33% 27.65% -65.38% 0.0%
Net Earnings $1.918M $8.305M $12.45M $8.554M $4.480M $3.037M -$3.096M $13.51M $646.0K -$1.037M -$4.007M -$10.40M -$11.82M $1.430M -$12.61M $470.0K $1.000M $1.400M $1.230M $860.0K $70.00K
YoY Change -76.91% -33.31% 45.58% 90.94% 47.51% -198.09% -122.91% 1991.8% -162.3% -74.12% -61.47% -12.01% -926.57% -111.34% -2782.98% -53.0% -28.57% 13.82% 43.02% 1128.57% -121.21%
Net Earnings / Revenue 5.02% 23.21% 28.95% 20.67% 10.47% -12.19% 50.35% 2.53% -4.24%
Basic Earnings Per Share $1.29 $5.62 $8.48 $5.86 $2.04 -$2.55 $8.99 $5.65 -$7.39 -$18.06
Diluted Earnings Per Share $1.29 $5.62 $8.48 $5.86 $3.090M $2.04 -$2.55 $8.99 $5.49 -$7.39 -$18.06 -$38.52M -$43.78M $5.500M -$48.50M $2.474M $5.882M $9.333M $9.462M $7.167M $636.4K

Assets & Liabilities

Cash & Short-Term Investments

No data

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

No data

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

No data

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $12.58M $12.85M $12.60M $12.70M $13.10M $12.50M $13.00M $12.80M $13.70M $14.30M $12.40M $25.80M $26.80M $27.40M $27.80M $28.20M $19.20M $11.70M $7.200M $6.200M $6.100M
YoY Change -2.1% 1.97% -0.79% -3.05% 4.8% -3.85% 1.56% -6.57% -4.2% 15.32% -51.94% -3.73% -2.19% -1.44% -1.42% 46.88% 64.1% 62.5% 16.13% 1.64%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $3.043M $4.515M $2.000M $2.400M $5.300M $6.800M $14.40M $12.20M $12.60M $13.50M $13.40M
YoY Change -32.6% 125.75% -16.67% -54.72% -22.06% -52.78% 18.03% -3.17% -6.67% 0.75%
Total Long-Term Assets
YoY Change
Total Assets $736.6M $723.3M $748.4M $706.2M $540.3M $514.9M $477.0M $444.8M $419.9M $434.0M $444.2M $510.1M $581.7M $591.8M $602.0M $572.4M $393.3M $291.2M $215.0M $160.3M $115.1M
YoY Change
Accounts Payable $210.0K $70.00K $100.0K $200.0K $200.0K $200.0K $100.0K $100.0K $1.300M $1.200M $1.100M $900.0K $600.0K $400.0K $500.0K $1.000M $600.0K $400.0K $200.0K $200.0K $100.0K
YoY Change 200.0% -30.0% -50.0% 0.0% 0.0% 100.0% 0.0% -92.31% 8.33% 9.09% 22.22% 50.0% 50.0% -20.0% -50.0% 66.67% 50.0% 100.0% 0.0% 100.0%
Accrued Expenses $847.0K $1.122M $800.0K $900.0K $1.000M
YoY Change -24.51% 40.25% -11.11% -10.0%
Deferred Revenue
YoY Change
Short-Term Debt $45.00M $20.00M $0.00 $41.50M $5.300M $0.00 $1.600M $100.0K $500.0K $3.300M $2.700M $4.900M $5.800M $4.200M $14.80M $24.00M $4.000M $700.0K $500.0K $800.0K $800.0K
YoY Change 125.0% -100.0% 683.02% -100.0% 1500.0% -80.0% -84.85% 22.22% -44.9% -15.52% 38.1% -71.62% -38.33% 500.0% 471.43% 40.0% -37.5% 0.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $46.06M $1.192M $900.0K $1.100M $1.200M $200.0K $100.0K $100.0K $1.300M $1.200M $1.100M $900.0K $600.0K $400.0K $500.0K $1.000M $600.0K $400.0K $200.0K $200.0K $100.0K
YoY Change 3763.84% 32.44% -18.18% -8.33% 500.0% 100.0% 0.0% -92.31% 8.33% 9.09% 22.22% 50.0% 50.0% -20.0% -50.0% 66.67% 50.0% 100.0% 0.0% 100.0%
Long-Term Debt $14.46M $14.46M $14.40M $14.40M $14.40M $14.30M $8.800M $8.800M $8.800M $8.800M $8.800M $8.800M $8.800M $8.800M $8.800M $8.800M $8.800M $5.200M $5.200M $0.00 $0.00
YoY Change 0.06% 0.39% 0.0% 0.0% 0.7% 62.5% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 69.23% 0.0%
Other Long-Term Liabilities $3.194M $1.768M $5.700M $8.800M $4.300M $3.100M $3.300M $6.600M $8.100M $8.900M $4.700M $6.300M $7.100M $2.400M $2.800M $1.300M $1.700M $2.000M $1.200M $300.0K $200.0K
YoY Change 80.66% -68.98% -35.23% 104.65% 38.71% -6.06% -50.0% -18.52% -8.99% 89.36% -25.4% -11.27% 195.83% -14.29% 115.38% -23.53% -15.0% 66.67% 300.0% 50.0%
Total Long-Term Liabilities $17.66M $16.22M $20.10M $23.20M $18.70M $17.40M $12.10M $15.40M $16.90M $17.70M $13.50M $15.10M $15.90M $11.20M $11.60M $10.10M $10.50M $7.200M $6.400M $300.0K $200.0K
YoY Change 8.84% -19.28% -13.36% 24.06% 7.47% 43.8% -21.43% -8.88% -4.52% 31.11% -10.6% -5.03% 41.96% -3.45% 14.85% -3.81% 45.83% 12.5% 2033.33% 50.0%
Total Liabilities $669.1M $662.2M $685.0M $654.2M $497.4M $477.7M $437.6M $401.2M $389.6M $414.9M $425.9M $485.1M $545.5M $543.5M $554.1M $526.2M $366.4M $265.6M $197.8M $145.3M $101.5M
YoY Change 1.04% -3.33% 4.71% 31.52% 4.12% 9.16% 9.07% 2.98% -6.1% -2.58% -12.2% -11.07% 0.37% -1.91% 5.3% 43.61% 37.95% 34.28% 36.13% 43.15%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

No data

Stock Issuance & Repurchase

Ownership Data

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003
Basic Shares Outstanding 1.486M 1.477M 1.468M 1.459M 1.433M 1.412M 1.421M shares 1.166M shares 334.0 shares 271.0 shares
Diluted Shares Outstanding 1.486M 1.477M 1.468M 1.459M 1.433M 1.412M 1.421M shares 1.201M shares 334.0 shares 271.0 shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

Stock Price

Market Cap: $116.28 Million

About Village Bank & Trust Financial Corp.

Village Bank & Trust Financial Corp. is a bank holding company, which engages in the provision of banking and related financial services including checking, savings, and certificates of deposit, and commercial, real estate, and consumer loans. The company is headquartered in Midlothian, Virginia and currently employs 141 full-time employees. The company went IPO on 2000-10-31. 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 firm 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.

Industry: State Commercial Banks Peers: BayFirst Financial Corp. PNC FINANCIAL SERVICES GROUP, INC. POTOMAC BANCSHARES INC