Village Bank & Trust Financial Corp. (VBFC) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

ECB Bancorp, Inc.

Eagle Bancorp Montana, Inc.

Rhinebeck Bancorp, Inc.

SB Financial Group, Inc.

Village Bank & Trust Financial Corp.

Union Bankshares, Inc. (Vermont)

Investar Holding Corp.

Sound Financial Bancorp, Inc.

First Savings Financial Group, Inc.

Auburn National Bancorporation, Inc.

Citizens Community Bancorp, Inc. (Wisconsin)

Why is Village Bank & Trust Financial Corp. ?

Strong lending practices with low Gross NPA ratio of 0.19%

Strong Long Term Fundamental Strength with a 9.40% CAGR growth in Net Profits

The company has declared Positive results for the last 4 consecutive quarters

DIVIDEND PAYOUT RATIO(Y) Highest at 18.15%
NET PROFIT(HY) Higher at USD 3.59 MM
NET SALES(Q) Highest at USD 10.45

With ROE of 9.5, it has a fair valuation with a 1.6 Price to Book Value

Over the past year, while the stock has generated a return of 0%, its profits have risen by 265.6% ; the PEG ratio of the company is 0.1

High Institutional Holdings at 25.35%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 4.68% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Village Bank & Trust Financial Corp. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Village Bank & Trust Financial Corp. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Village Bank & Trust Financial Corp.

95.73%

30.88

3.10%

S&P 500

13.22%

0.61

20.23%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

11.23%

EBIT Growth (5y)

1.30%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

25.35%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.63

EV to EBIT

19.22

EV to EBITDA

17.75

EV to Capital Employed

1.43

EV to Sales

3.84

PEG Ratio

0.07

Dividend Yield

24.89%

ROCE (Latest)

7.47%

ROE (Latest)

9.52%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bearish

Bollinger Bands

Bullish

Mildly Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bullish

No Trend

OBV

Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

Not enough Data to analyse Financial Trend

Here's what is working for Village Bank & Trust Financial Corp.

Net Sales

Highest at USD 10.45 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Non Performing Loans (%)

Lowest at 0.19%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Credit Deposit Ratio

Highest at 0.19% and Grown

In each half year in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

NII

Highest at USD 7.32 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Dividend Payout Ratio

Highest at 18.15% and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Here's what is not working for Village Bank & Trust Financial Corp.

Interest

At USD 9.65 MM has Grown at 42.61%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Operating Profit

Lowest at USD 1.84 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at 17.6 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at USD 1.76 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 1.76 MM has Fallen at -21.48%

over average net sales of the previous four periods of USD 2.25 MM

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD 1.49 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 0.99

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)