Village Bank & Trust Financial Corp.VBFC
時価総額
$1.2億
PER
16.3倍
地域密着型商業銀行の有力企業。商業・住宅向け融資とモーゲージ業務とオンラインバンキングを展開。主要株主が約51%を保有、2024年の収益合計は約4,630万ドル。リッチモンド・ウィリアムズバーグを中心とする中央バージニアで9支店を展開。
| 2011年 12月31日 | 2012年 12月31日 | 2013年 12月31日 | 2014年 12月31日 | 2015年 12月31日 | 2016年 12月31日 | 2017年 12月31日 | 2018年 12月31日 | 2019年 12月31日 | 2020年 12月31日 | 2021年 12月31日 | 2022年 12月31日 | 2023年 12月31日 | 2024年 12月31日 | |
| Loans | 27 | 23 | 18 | 15 | 15 | 16 | 16 | 20 | 22 | 25 | 27 | 25 | 29 | 35 |
| Investment securities | 1 | 700,509 | 1 | 1 | 1 | 0 | 1 | 1 | 1 | 1 | 1 | 2 | 3 | 4 |
| Federal funds sold | 90,806 | 59,433 | 87,126 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 |
| Total interest income | 28 | 24 | 20 | 17 | 16 | 16 | 17 | 21 | 23 | 26 | 28 | 27 | 33 | 40 |
| Deposits | 7 | 5 | 4 | 3 | 2 | 2 | 2 | 3 | 4 | 3 | 2 | 1 | 5 | 10 |
| Borrowed funds | 1 | 1 | 758,973 | 1 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 3 | 3 |
| Total interest expense | - | - | - | - | - | - | - | - | - | - | - | - | - | 13 |
| Net interest income | 20 | 18 | 15 | 13 | 13 | 13 | 15 | 17 | 18 | 21 | 25 | 26 | 25 | 27 |
| Provision for credit losses | - | - | - | - | - | - | - | - | - | - | - | - | 0 | 0 |
| Net interest income after provision for credit losses | 870,300 | 9 | 14 | 13 | 15 | 13 | 15 | 17 | 18 | 20 | 26 | 26 | 25 | 27 |
| Service charges and fees | - | - | - | - | - | - | - | 2 | 2 | 2 | 2 | 3 | 3 | 3 |
| Mortgage banking income, net | - | - | - | - | - | - | - | - | 5 | 10 | 10 | 3 | 2 | 3 |
| Loss on sale of investment securities, net | - | - | - | - | - | - | - | - | 0 | 0 | - | - | -5 | -0 |
| Other | 454,987 | 714,165 | 1 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 |
| Total noninterest income (loss) | 11 | 13 | 12 | 8 | 10 | 11 | 8 | 6 | 8 | 12 | 12 | 7 | -0 | 6 |
| Salaries and benefits | 13 | 13 | 14 | 11 | 11 | 11 | 12 | 12 | 12 | 13 | 14 | 14 | 13 | 14 |
| Occupancy | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Equipment | 891,412 | 806,940 | 714,892 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Supplies | 428,011 | 431,208 | 436,491 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Data processing | - | - | - | - | - | - | - | - | - | - | - | - | 2 | 2 |
| Professional Fees | 2 | 3 | 2 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 2 | 3 |
| Advertising and marketing | 416,963 | 225,104 | 249,537 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| FDIC insurance premium | 1 | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other operating expense | 3 | 3 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 2 |
| Total noninterest expense | 24 | 28 | 30 | 22 | 24 | 22 | 21 | 20 | 20 | 22 | 22 | 22 | 23 | 24 |
| Income before income tax expense | - | - | - | - | - | - | - | - | - | - | 16 | 10 | 2 | 9 |
| Income tax expense | -426,872 | 4 | - | - | - | -11 | 5 | 1 | 1 | 2 | 3 | 2 | 0 | 2 |
| Net income | -11,820,122 | -10,399,000 | -4,006,738 | -1 | 1 | 14 | -3 | 3 | 4 | 9 | 12 | 8 | 2 | 7 |
| Earnings per share, basic | -2.99 | -2.65 | -1.13 | - | 5.65 | 8.99 | -2.55 | 2.04 | 3.1 | 5.86 | 8.48 | 5.62 | 1.29 | 4.69 |
| Earnings per share, diluted | -2.99 | -2.65 | -1.13 | - | 5.49 | 8.99 | -2.55 | 2.04 | 3.1 | 5.86 | 8.48 | 5.62 | 1.29 | 4.69 |