Village Bank & Trust Financial (VBFC)

Company Profile

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, Village Bank. Village Bank is a full-serviceVirginia-chartered community bank headquartered in Midlothian, Virginia, with deposits insured by the Federal Deposit Insurance Corporation. The Bank has nine branch offices. Village Bank and its wholly-owned subsidiary, Village Bank Mortgage Corporation, offer a complete range of financial products and services, including commercial loans, consumer credit, mortgage lending, checking and savings accounts, certificates of deposit, and 24-hour banking.

Company profile

Ticker

VBFC

Exchange

NASDAQ

Website

www.villagebank.com

CEO

William Foster

Incorporated

Virginia

Location

Virginia

Fiscal year end

Dec 31

Sector

Finance and Insurance > Commercial Banking

Industry (SIC)

State Commercial Banks

Bank Of New York Mellon • State Street • Citizens Financial • Northern Trust • M & T Bank • Fifth Third Bancorp • Associated Banc-Corp. • SVB Financial • First Citizens Bancshares, Inc • Commerce Bancshares ...

Former names

Southern Community Financial Corp.

SEC CIK

0001290476

Corporate docs

Articles of Incorporation & Bylaws

Underwriting Agreements

Plans of Reorganization

Indentures

Material Contracts & Credit Agreements

Subsidiaries Lists

Subsidiaries

Village Bank Mortgage Corporation • Village Insurance Agency, Inc. • Village Financial Services Corporation ...

IRS number

161694602

VBFC stock data

1M 1Y 5Y

Latest filings (excl ownership)

View all

8-K

Announces Retirement of Two Directors and Appointment of Two New Directors

13 Dec 22

8-K

Announces Quarterly Cash Dividend

10 Nov 22

Reports Earnings for the Third Quarter of 2022

28 Oct 22

8-K

You're a neighbor, not a number Q2 2022 Investor Presentation

19 Sep 22

8-K

Announces Quarterly Cash Dividend

11 Aug 22

Reports Earnings for the Second Quarter of 2022

28 Jul 22

S-8

Registration of securities for employees

29 Jun 22

8-K

Announces Quarterly Cash Dividend

24 May 22

Latest ownership filings

View all

Selena Trudy Sanderson

Mary Margaret Kastelberg

Raymond Thomas Avery III

3 Nov 22

Financial summary

Financial statements Chart VBFC financial data

Quarter (USD)	Sep 22	Jun 22	Mar 22	Dec 21
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Annual (USD)	Dec 21	Dec 20	Dec 19	Dec 18
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Cash burn rate (est.)	Burn method: Change in cash		Burn method: Operating income		Burn method: FCF (opex + capex)
	Last Q	Avg 4Q	Last Q	Avg 4Q	Last Q	Avg 4Q
Cash on hand (at last report)	32.18 mm	32.18 mm	32.18 mm	32.18 mm	32.18 mm	32.18 mm
Cash burn (monthly)	7.57 mm	2.67 mm	(no burn)	(no burn)	(no burn)	(no burn)
Cash used (since last report)	29.58 mm	10.45 mm	n/a	n/a	n/a	n/a
Cash remaining	2.60 mm	21.73 mm	n/a	n/a	n/a	n/a
Runway (months of cash)	0.3	8.1	n/a	n/a	n/a	n/a

Beta Read what these cash burn values mean

Financial data from company earnings reports.

Institutional ownership, Q2 2022

VBFC institutional ownership history Ownership history

10.3% owned by funds/institutions

13F holders	Current	Prev Q	Change
Total holders	14	15	-6.7%
Opened positions	1	6	-83.3%
Closed positions	2	1	+100.0%
Increased positions	4	0	NEW
Reduced positions	4	1	+300.0%

13F shares	Current	Prev Q	Change
Total value	6.96 mm	8.06 mm	-13.6%
Total shares	152.05 k	152.76 k	-0.5%
Total puts	0.00	0.00
Total calls	0.00	0.00
Total put/call ratio	–	–	–

Largest owners	Shares	Value	Change
Alliancebernstein	45.83 k	$2.11 mm	-3.2%
River Oaks Capital	31.86 k	$1.47 mm	-2.5%
Banc Funds	22.84 k	$1.05 mm	0.0%
Minerva Advisors	19.75 k	$869.00 k	0.0%
Geode Capital Management	8.85 k	$413.00 k	+1.5%
Vanguard	7.25 k	$334.00 k	NEW
First Manhattan	6.56 k	$301.00 k	+29.7%
UBS UBS Group AG - Registered Shares	3.14 k	$144.00 k	+13.4%
SSB SouthState	2.56 k	$118.00 k	0.0%
Tower Research Capital	1.91 k	$87.00 k	+343.3%

Largest transactions	Shares	Bought/sold	Change
Vanguard	7.25 k	+7.25 k	NEW
Integrated Investment Consultants	0.00	-4.82 k	EXIT
Stony Point Wealth Management	0.00	-4.03 k	EXIT
Alliancebernstein	45.83 k	-1.51 k	-3.2%
First Manhattan	6.56 k	+1.50 k	+29.7%
Tower Research Capital	1.91 k	+1.48 k	+343.3%
River Oaks Capital	31.86 k	-804.00	-2.5%
UBS UBS Group AG - Registered Shares	3.14 k	+371.00	+13.4%
BLK Blackrock	1.43 k	-235.00	-14.1%
Geode Capital Management	8.85 k	+127.00	+1.5%

Data from 13F filings, for the last complete 13F reporting period. For most recent data, click the ownership history button. Values as filed, not updated for current price. Long positions only.

Recent insider trades

VBFC insider ownership history Insider history

Date	Owner	Security	Transaction	Code	Indirect	10b5-1	$Price	#Shares	$Value	#Remaining
1 Nov 22	Max C Morehead JR	Common Stock	Grant	Acquire A	No	No	49.81	535	26.65 k	9,765
1 Nov 22	James E Hendricks JR	Common Stock	Grant	Acquire A	No	No	49.81	1,003	49.96 k	18,079
1 Nov 22	James Clifton Winn	Common Stock	Grant	Acquire A	No	No	49.81	254	12.65 k	2,539

Data from 3, 4 and 5 filings. Values as filed, not updated for current price.

News

From Benzinga Pro

Village Bank & Trust Finl: Dividend Insights

18 Nov 22

Tuesday marks the last chance for investors to receive the next dividend payout from Village Bank & Trust Finl (NASDAQ:VBFC).

Overview Of Value Stocks In The Financial Services Sector

10 Nov 22

What are Value Stocks? A value stock is traditionally defined in terms of how investors in the marketplace are valuing that company's future growth prospects. Low P/E multiples are good base indicators that the company is undervalued and can most likely be labelled as a value stock.