Village Bank & Trust Financial Corp.
VBFCFinancials · State Commercial Banks · VA · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | |
|---|---|---|---|---|---|---|
| Revenue | $3.4M | $3.3M | $3.2M | $3.6M | $3.9M | $3.6M |
| Operating income | — | — | — | — | — | — |
| Net income | $7.0M | $1.9M | $8.3M | $12.5M | $8.6M | $4.5M |
| Total assets | $756.2M | $736.6M | $723.3M | $748.4M | $706.2M | $540.3M |
| Total liabilities | $682.4M | $669.1M | $662.2M | $685.0M | $654.2M | $497.4M |
| Equity | $73.7M | $67.6M | $61.1M | $63.4M | $52.0M | $42.9M |
| EPS (diluted) | $4.69 | $1.29 | $5.62 | $8.48 | $5.86 | $3.10 |
| Shares out. | 1.5M | 1.5M | 1.5M | 1.5M | 1.5M | 1.4M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2024- Operating margin
- —
- Net margin
- 204.2%
- Return on equity
- 9.5%
- Return on assets
- 0.9%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 90.2%
- Debt / equity
- 9.25×
- Book value / share
- $49.39
- Revenue growth (YoY)
- 5.4%
- Net income growth (YoY)
- 265.8%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2024- Accruals / assets
- 0.3%clean
- Piotroski F-Score
- 5/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 severe● 1 warning● 3 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Qmissed a reporting deadline ↗Aug 15, 2012
- NT 10-Qmissed a reporting deadline ↗Aug 16, 2010
- NT 10-Kmissed a reporting deadline ↗Apr 1, 2005
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Jenkins Frank E. Jr.Director | Apr 1, 2025 | D | 4,786 | $80.25 |
| Sanderson Selena TrudyDirector | Apr 1, 2025 | D | 915 | $80.25 |
| Carey Ronald L.Director | Apr 1, 2025 | D | 736 | $80.25 |
| Toalson Michael LDirector | Apr 1, 2025 | D | 4,002 | $80.25 |
| Katzen Michael ADirector | Apr 1, 2025 | D | 3,289 | $80.25 |
| Kastelberg Mary MargaretDirector | Apr 1, 2025 | D | 1,009 | $80.25 |
| Henry Devon M.Director | Apr 1, 2025 | D | 1,622 | $80.25 |
| Bell Craig DDirector | Apr 1, 2025 | D | 5,061 | $80.25 |
| Winn James CliftonOfficer — VBMC, President | Apr 1, 2025 | D | 3,426 | $80.25 |
| Church Jennifer J.Officer — EVP-Retail Banking | Apr 1, 2025 | D | 1,491 | $80.25 |
| Barzel Roy IOfficer — EVP-Chief Credit Officer | Apr 1, 2025 | D | 4,148 | $80.25 |
| Morehead Max C JrOfficer — EVP-Commercial Banking | Apr 1, 2025 | D | 11,366 | $80.25 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| Mar 31, 2025 | 8,835 | 6.0 | -8.2% |
| Mar 14, 2025 | 9,623 | 4.2 | +187.7% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsApr 1, 2025
- Other material eventFeb 25, 2025
- Results of operationsJan 31, 2025
- Shareholder voteDec 19, 2024
- Other material eventNov 19, 2024
- Results of operationsOct 25, 2024
- Entered a material agreement · Other material eventSep 25, 2024
- Other material eventSep 24, 2024
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 15-12GApr 11, 2025
- EFFECTApr 9, 2025
- S-8 POSApr 7, 2025
- S-8 POSApr 7, 2025
- S-8 POSApr 7, 2025
- S-8 POSApr 7, 2025
- S-8 POSApr 7, 2025
- S-8 POSApr 7, 2025
- POS AMApr 7, 2025
- 4PRIMARY DOCUMENTApr 2, 2025
- 4PRIMARY DOCUMENTApr 2, 2025
- 4PRIMARY DOCUMENTApr 2, 2025
- 4PRIMARY DOCUMENTApr 2, 2025
- 4PRIMARY DOCUMENTApr 2, 2025
- 4PRIMARY DOCUMENTApr 2, 2025
Event-driven situations (1)
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