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Upturn AI SWOT - About
VBFC 
Village Bank and Trust Financial (VBFC)
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Upturn Advisory Summary
03/31/2025: VBFC (3-star) is a STRONG-BUY. BUY since 156 days. Profits (89.31%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 75.04% | Avg. Invested days 57 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 03/31/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 120.16M USD | Price to earnings Ratio 17.1 | 1Y Target Price - |
Price to earnings Ratio 17.1 | 1Y Target Price - | ||
Volume (30-day avg) 2274 | Beta 0.75 | 52 Weeks Range 40.27 - 80.73 | Updated Date 04/1/2025 |
52 Weeks Range 40.27 - 80.73 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 0.90% | Basic EPS (TTM) 4.69 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.18% | Operating Margin (TTM) 20.95% |
Management Effectiveness
Return on Assets (TTM) 0.94% | Return on Equity (TTM) 9.93% |
Valuation
Trailing PE 17.1 | Forward PE - | Enterprise Value 161355360 | Price to Sales(TTM) 3.63 |
Enterprise Value 161355360 | Price to Sales(TTM) 3.63 | ||
Enterprise Value to Revenue 5.13 | Enterprise Value to EBITDA - | Shares Outstanding 1498100 | Shares Floating 630399 |
Shares Outstanding 1498100 | Shares Floating 630399 | ||
Percent Insiders 58.53 | Percent Institutions 20.68 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Village Bank and Trust Financial
Company Overview
History and Background
Village Bank and Trust Financial, as a generic name, lacks a specific publicly traded US entity. The following analysis assumes a hypothetical community bank for illustrative purposes. A bank with this name, or a very similar name, is most likely private. Therefore, the data is generalized based on typical community bank operations. Assume founding year is 1985 with growth through organic expansion and small acquisitions.
Core Business Areas
- Retail Banking: Provides traditional banking services to individuals, including checking and savings accounts, loans, mortgages, and credit cards.
- Commercial Banking: Offers financial products and services to businesses, such as commercial loans, lines of credit, treasury management, and business deposit accounts.
- Wealth Management: Provides investment advisory services, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
Typical community bank structure includes a board of directors, a CEO, and senior management responsible for retail banking, commercial banking, wealth management, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, such as expansion, equipment purchases, and working capital. Market share varies by region; a community bank might have 5-10% within its local area. Competitors include larger regional and national banks (e.g., Bank of America, Wells Fargo) and credit unions.
- Residential Mortgages: Loans for home purchases. Market share is geographically dependent. A community bank might have 2-5% of the local mortgage market. Competitors include mortgage lenders (e.g., Rocket Mortgage), regional banks, and national banks.
- Small Business Loans (SBA): Government-backed loans to small businesses. Market share is typically around 5-15% within the local area for active SBA lenders. Competitors are other community banks and larger banks with SBA lending programs.
Market Dynamics
Industry Overview
The community banking sector faces increased competition from larger banks, fintech companies, and credit unions. Regulatory compliance and interest rate volatility are key challenges. Consolidation is prevalent.
Positioning
Community banks differentiate themselves through personalized service, local expertise, and community involvement. Their competitive advantage lies in building strong relationships with customers and businesses within their service area.
Total Addressable Market (TAM)
The TAM for community banking services encompasses all potential customers within a bank's geographic footprint. This TAM is significant but highly fragmented. Village Bank and Trust Financial's TAM positioning is based on local dominance of its geography.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market knowledge
- Personalized service
- Quick decision-making
- Community involvement
Weaknesses
- Limited resources compared to larger banks
- Smaller branch network
- Less advanced technology
- Concentrated loan portfolio (geographically)
- Higher operating costs per customer
Opportunities
- Expanding into new markets within the region
- Investing in technology to improve efficiency
- Developing specialized lending programs
- Acquiring smaller community banks
- Offering wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory compliance costs
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BAC
- WFC
- USB
Competitive Landscape
Village Bank competes by offering personalized services within its geography and smaller companies. VBTF doesn't compete on price and technology like competitors BAC and WFC.
Major Acquisitions
Hypothetical Acquisition: First Community Bank
- Year: 2020
- Acquisition Price (USD millions): 25
- Strategic Rationale: Expanded market presence within the region.
Growth Trajectory and Initiatives
Historical Growth: Moderate growth driven by organic expansion and small acquisitions.
Future Projections: Projected revenue growth of 5-7% per year, driven by increased lending and fee income. Based on similar financial intuitions and their future outlook.
Recent Initiatives: Investment in online banking platform, expansion into a new branch location, and launch of a new small business lending program.
Summary
Village Bank and Trust Financial (hypothetical) operates as a community bank, focusing on local relationships and personalized service. It exhibits stable growth but faces competition from larger institutions and fintech. Its strengths lie in community ties, while weaknesses include limited resources. Future success depends on adapting to technological changes and expanding its service offerings strategically.
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Sources and Disclaimers
Data Sources:
- Hypothetical data based on industry averages for community banks
- Publicly available information on competitor banks (BAC, WFC, USB)
- Industry reports on community banking trends
Disclaimers:
This analysis is based on hypothetical data and industry averages. The actual performance of a bank named Village Bank and Trust Financial may vary significantly. This is not investment advice. The information given is purely for illustrative purposes.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Village Bank and Trust Financial
Exchange NASDAQ | Headquaters Midlothian, VA, United States | ||
IPO Launch date 1996-04-01 | President, CEO & Director Mr. James E. Hendricks Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 133 | Website https://www.villagebank.com |
Full time employees 133 | Website https://www.villagebank.com | ||
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 in the United States. It operates through two segments: Traditional Commercial Banking and Mortgage Banking. The company accepts checking, demand, savings, money market, and individual retirement accounts, as well as certificates of deposit and other depository services. It also offers secured and unsecured commercial business loans for various purposes, such as funding working capital needs, business expansion, and purchase of equipment and machinery; loans for acquiring, developing, constructing, and owning commercial real estate properties; and secured and unsecured consumer loans for financing automobiles, home improvements, education, and personal investments, as well as originates mortgage loans, and real estate construction and acquisition loans. In addition, the company offers internet and mobile banking, and remote deposit capture services for business clients; and loan participation and purchases services. Village Bank and Trust Financial Corp. was founded in 1999 and is headquartered in Midlothian, Virginia.
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