Village Z Score

VBFC Stock

USD 40.23 2.22 5.23%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out Village Bank Piotroski F Score and Village Bank Valuation analysis.

The current year's Return on Invested Capital is expected to grow to 0.0151, whereas Capital Expenditure is forecasted to decline to (510.3 K). Village Bank Earning Before Interest and Taxes EBIT is projected to increase significantly based on the last few years of reporting. The past year's Earning Before Interest and Taxes EBIT was at 10.29 Million. The current year's Net Income is expected to grow to about 9 M, whereas Gross Profit is forecasted to decline to about 32.5 M.

Village Z Score Analysis

Village Bank's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

	2020	2021	2022	2023 (projected)
Revenues USD	32.69 M	38.34 M	32.61 M	32.53 M
Revenues	32.69 M	38.34 M	32.61 M	32.53 M

Revenues USD Revenues

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

Current Village Bank Z Score

2.74

Most of Village Bank's fundamental indicators, such as Z Score, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Village Bank And is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.

First Factor

1.2 * (

Working Capital

Total Assets )

Second Factor

1.4 * (

Retained Earnings

Total Assets )

Thrid Factor

3.3 * (

EBITAD

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

Total Assets )

Village Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for Village Bank is extremely important. It helps to project a fair market value of Village Stock properly, considering its historical fundamentals such as Z Score. Since Village Bank's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Village Bank's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Village Bank's interrelated accounts and indicators.

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict Village Bank

As per the company's disclosures, Village Bank And has a Z Score of 2.74. This is 13.69% higher than that of the Banks sector and significantly higher than that of the Financials industry. The z score for all United States stocks is 68.58% higher than that of the company.

Village Z Score Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Village Bank's direct or indirect competition against its Z Score to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Village Bank could also be used in its relative valuation, which is a method of valuing Village Bank by comparing valuation metrics of similar companies.

Village Bank is currently under evaluation in z score category among related companies.

Village Bank Current Valuation Drivers

We derive many important indicators used in calculating different scores of Village Bank from analyzing Village Bank's financial statements. These drivers represent accounts that assess Village Bank's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Village Bank's important valuation drivers and their relationship over time.

	2018	2019	2020	2021	2022	2023 (projected)
Average Assets	505.59 M	539.76 M	681.61 M	728 M	745.75 M	706.18 M
Earnings Before Interest Taxes and Depreciation Amortization EBITDA	4.45 M	6.29 M	11.62 M	16.45 M	10.84 M	11.7 M
Earnings Before Interest Taxes and Depreciation Amortization USD	4.45 M	6.29 M	11.62 M	16.45 M	10.84 M	11.7 M
Earnings before Tax	3.73 M	5.64 M	11.04 M	15.87 M	10.29 M	11.11 M
Average Equity	35.49 M	40.61 M	47.91 M	59.91 M	60.25 M	53.91 M
Enterprise Value	65.09 M	42.82 M	110.84 M	35.38 M	59.02 M	51.35 M
Free Cash Flow	6.89 M	(80 K)	(7.47 M)	41.9 M	9.8 M	8.99 M
Invested Capital	530.65 M	569.02 M	718.71 M	670.21 M	741.05 M	701.43 M
Invested Capital Average	523.24 M	550.67 M	714.32 M	680.83 M	722.13 M	689.74 M
Market Capitalization	43.67 M	53.93 M	50.42 M	85.24 M	76.75 M	63.36 M
Tangible Asset Value	514.87 M	540.31 M	706.24 M	748.4 M	723.27 M	694.51 M

Village Bank 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.

	Last Transaction	Type	Shares	Value
Elizabeth Park Capital Advisors Ltd	2023-03-31	Common Shares	45.3 K	2.5 M
Alliancebernstein Lp	2023-03-31	Common Shares	44.5 K	2.4 M
River Oaks Capital Llc	2023-03-31	Common Shares	31.9 K	1.8 M
Minerva Advisors Llc	2023-03-31	Common Shares	19.7 K	1 M
Banc Funds Co Llc	2023-03-31	Common Shares	14.8 K	816 K
Geode Capital Management Llc	2023-03-31	Common Shares	8.9 K	505.4 K
Jane Street Group Llc	2023-03-31	Common Shares	7.3 K	400.9 K
Vanguard Group Inc	2023-03-31	Common Shares	7 K	386.4 K
First Manhattan Co Llc	2023-03-31	Common Shares	6.6 K	360.7 K
Seneca House Advisors	2023-03-31	Common Shares	4.1 K	230.5 K
Ubs Group Ag	2023-03-31	Common Shares	2.8 K	154.3 K

Village Fundamentals

	Return On Equity	0.13 %
	Return On Asset	0.0107 %
	Profit Margin	0.25 %
	Operating Margin	0.31 %
	Current Valuation	19.58 M
	Shares Outstanding	1.49 M
	Shares Owned by Insiders	60.32 %
	Shares Owned by Institutions	13.42 %
	Number of Shares Shorted	713
	Price to Earning	7.10 X
	Price to Book	1.39 X
	Price to Sales	2.43 X
	Revenue	32.31 M
	Gross Profit	32.61 M
	EBITDA	12.68 M
	Net Income	8.3 M
	Cash and Equivalents	55.3 M
	Cash per Share	37.69 X
	Total Debt	14.46 M
	Debt to Equity	12.83 %
	Book Value Per Share	42.99 X
	Cash Flow from Operations	10.27 M
	Short Ratio	5.75 X
	Earnings Per Share	5.42 X
	Number of Employees	142
	Beta	0.7
	Market Capitalization	63.07 M
	Total Asset	723.27 M
	Retained Earnings	10.96 M
	Z Score	2.74
	Annual Yield	0.0152 %
	Net Asset	723.27 M
	Last Dividend Paid	0.6

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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Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.

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Check out Village Bank Piotroski F Score and Village Bank Valuation 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 Price Transformation module to use Price Transformation models to analyze the depth of different equity instruments across global markets.

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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.

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 Valuation analysis.

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Village Z Score

Village Z Score Analysis

Current Village Bank Z Score

Village Z Score Driver Correlations

Village Z Score Peer Comparison

Village Bank Current Valuation Drivers

Village Bank Institutional Holders

Village Fundamentals

About Village Bank Fundamental Analysis

Also Currently Popular

Complementary Tools for Village Stock analysis

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COMPANY

	Total Assets	Cash and Equivalents	Total Debt	Deposit Liabilities	Total Liabilities
Total Assets		0.27	0.29	0.99	1.0
Cash and Equivalents	0.27		0.03	0.31	0.31
Total Debt	0.29	0.03		0.21	0.33
Deposit Liabilities	0.99	0.31	0.21		0.99
Total Liabilities	1.0	0.31	0.33	0.99