Village Bank and Trust Financial Corp. VBFC NASDAQ

NASDAQ Capital Marke • Financial Services • Banks - Regional • US • USD

SharesGrow Score

75/100

4/6 Pass

SharesGrow Intrinsic Value

N/A

Negative cash flow

Income Statement Balance Sheet Cash Flow Statement

Annual Quarterly

Village Bank and Trust Financial Corp. (VBFC) reported total assets of $756.17M and total liabilities of $682.43M for fiscal year 2024, resulting in total equity of $73.74M.

The company held $75.38M in cash and short-term investments. Total debt stood at $50.7M, with net debt of $36.44M. The Debt-to-Equity (D/E) ratio was 0.69 (moderate).

Criteria supported by this page:

HEALTH (75/100, Pass) — Debt-to-Equity of 0.69, current ratio of ? — balance sheet is strong
MOAT (46/100) — Total assets $756.17M and equity $73.74M support the company's competitive scale
VALUE (85/100) — Debt-to-Equity 0.69 contributes to the overall valuation risk assessment

Overall SharesGrow Score: 73/100 with 4/7 criteria passed.

SharesGrow 7-Criteria Score

75/100

SG Score

View full scorecard →

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VALUE

85/100

Price-to-Earnings & upside

→ Valuation

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FUTURE

N/A

No coverage

✓

PAST

100/100

→ Income

✓

HEALTH

75/100

Debt-to-Equity & liquidity

Proven by this page

MOAT

46/100

→ Income

GROWTH

58/100

→ Income

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INCOME

85/100

→ Income

Village Bank and Trust Financial Corp. Balance Sheet History

Metric	FY2024	FY2023	FY2022	FY2021
Total Assets	$756.17M	$736.62M	$723.27M	$748.4M
Total Liabilities	$682.43M	$669.06M	$662.16M	$685M
Total Debt	$50.7M	$59.46M	$34.46M	$14.42M
Cash & Investments	$75.38M	$17.71M	$145.92M	$106.77M
Total Stockholders Equity	$73.74M	$67.56M	$61.11M	$63.4M