Village Beneish M Score

Stocks . USA . 
Stock . Village Bank And
VBFC Stock  USD 40.23  2.22  5.23%   
This module uses fundamental data of Village Bank to approximate the value of its Beneish M Score. Village Bank M Score tells investors if the company management is likely to be manipulating earnings. The score is calculated using eight financial indicators that are adjusted by a specific multiplier. Please note, the M Score is a probabilistic model and cannot detect companies that manipulate their earnings with 100% accuracy. Check out Village Bank Piotroski F Score and Village Bank Altman Z Score analysis.
  
The current year's Total Debt is expected to grow to about 35.8 M. The current year's Issuance Repayment of Debt Securities is expected to grow to about 21.6 M. Village Bank EBITDA Margin is projected to increase slightly based on the last few years of reporting. The past year's EBITDA Margin was at 0.33. The current year's Earnings per Basic Share is expected to grow to 6.06, whereas Book Value per Share is forecasted to decline to 39.95.
At this time, it appears that Village Bank And is an unlikely manipulator. The earnings manipulation may begin if Village Bank's top management creates an artificial sense of financial success, forcing the stock price to be traded at a high price-earnings multiple than it should be. In general, excessive earnings management by Village Bank executives may lead to removing some of the operating profits from subsequent periods to inflate earnings in the following periods. This way, the manipulation of Village Bank's earnings can lead to misrepresentations of actual financial condition, taking the otherwise loyal stakeholders on to the path of questionable ethical practices and plain fraud.
-3.83
Beneish M Score - Unlikely Manipulator
Elasticity of ReceivablesN/AFocus
Asset QualityN/AFocus
Expense Coverage1.07Focus
Gross Margin Strengs0.99Focus
Accruals Factor1.07Focus
Depreciation Resistance0.9Focus
Net Sales Growth1.0Focus
Financial Leverage Condition1.01Focus

Village Bank Beneish M-Score Indicator Trends

The cure to earnings manipulation is the transparency of financial reporting. It will typically remove the temptation of the top executives to inflate earnings (i.e., to promote the idea of 'winning at any cost'). Because a healthy internal audit department can enhance transparency, the board should promote the auditors' access to all the record-keeping systems across the enterprise. For example, if Village Bank's auditors report directly to the board (not management), the managers will be reluctant to manipulate simply due to the fear of punishment. On the other hand, the auditors will be free to investigate the ledgers properly because they know that the board has their back.
Current ValueLast YearChange From Last Year 10 Year Trend
Selling General and Administrative Expense23.5 M22.1 M
Notably Up
Pretty Stable
Revenues32.5 M32.6 M
Slightly Down
Slightly volatile
Property Plant and Equipment Net12 M11.7 M
Fairly Up
Slightly volatile
Operating Income11.1 M10.3 M
Significantly Up
Slightly volatile
Net Cash Flow from Operations9.6 M10.3 M
Significantly Down
Slightly volatile
Total Liabilities639.6 M662.2 M
Sufficiently Down
Slightly volatile
Investments624.1 M673.3 M
Significantly Down
Slightly volatile
Gross Margin0.890.9
Fairly Down
Slightly volatile
Depreciation Amortization and Accretion623.8 K546 K
Fairly Up
Slightly volatile
Total Debt35.8 M34.5 M
Sufficiently Up
Very volatile
Total Assets694.5 M723.3 M
Sufficiently Down
Slightly volatile

Village Bank And Beneish M-Score Driver Matrix

One of the toughest challenges investors face today is learning how to quickly synthesize historical financial statements and information provided by the company, SEC reporting, and various external parties in order to detect the potential manipulation of earnings. Understanding the correlation between Village Bank's different financial indicators related to revenue, expenses, operating profit, and net earnings helps investors identify and prioritize their investing strategies towards Village Bank in a much-optimized way. Analyzing correlations between earnings drivers directly associated with dollar figures is the most effective way to find Village Bank's degree of accounting gimmicks and manipulations.
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About Village Bank Beneish M Score

M-Score is one of many grading techniques for value stocks. It was developed by Professor M. Daniel Beneish of the Kelley School of Business at Indiana University and published in 1999 under the paper titled The Detection of Earnings Manipulation. The Beneish score is a multi-factor model that utilizes financial identifiers to compile eight variables used to classify whether a company has manipulated its reported earnings. The variables are built from the officially filed financial statements to create a final score call 'M Score.' The score helps to identify companies that are likely to manipulate their profits if they show deteriorating gross margins, operating expenses, and leverage against growing revenue.

Depreciation Amortization and Accretion

623,828

Village Bank Depreciation Amortization and Accretion is projected to decrease significantly based on the last few years of reporting. The past year's Depreciation Amortization and Accretion was at 546,000

Village Bank Earnings Manipulation Drivers

Although earnings manipulation is typically not the result of intentional misconduct by the c-level executives, it is still a widespread practice by the senior management of public companies such as Village Bank. It is usually done by a series of misrepresentations of various accounting rules and operating activities across multiple financial cycles. The best way to spot the manipulation is to examine the historical financial statement to find inconsistencies in earning reports to find trends in assets or liabilities that are not sustainable in the future.
201820192020202120222023 (projected)
Revenues23.35 M25.93 M32.69 M38.34 M32.61 M32.53 M
Total Assets514.87 M540.31 M706.24 M748.4 M723.27 M694.51 M
Property Plant and Equipment Net12.46 M12.04 M11.78 M11.82 M11.75 M11.99 M
Depreciation Amortization and Accretion724 K644 K586 K582 K546 K623.83 K
Selling General and Administrative Expense19.29 M20.09 M20.89 M22.28 M22.08 M23.5 M
Total Liabilities477.73 M497.4 M654.24 M685 M662.16 M639.61 M
Total Debt35.33 M48.68 M55.92 M14.42 M34.46 M35.77 M
Operating Income3.73 M5.64 M11.73 M15.87 M10.29 M11.11 M
Net Cash Flow from Operations7.09 M145 K(7.14 M)42.53 M10.27 M9.56 M
Investments464.13 M488.57 M631.08 M623.13 M673.33 M624.11 M

About Village Bank Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Village Bank And's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Village Bank using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Village Bank And based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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. Village Bank operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 146 people.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Village Bank in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Village Bank's short interest history, or implied volatility extrapolated from Village Bank options trading.

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Check out Village Bank Piotroski F Score and Village Bank Altman Z Score analysis. 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 Headlines Timeline module to stay connected to all market stories and filter out noise. Drill down to analyze hype elasticity.

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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
(0.16) 
Dividend Share
0.6
Earnings Share
5.42
Revenue Per Share
21.796
Quarterly Revenue Growth
(0.034) 
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.
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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. Check out Village Bank Piotroski F Score and Village Bank Altman Z Score analysis.


 
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