Village Bank and Trust Financial (VBFC) Peer Comparison

$80.21

$0.00 (0.00%)

As on 01-Apr-2025 09:30EDT

Market cap

$120 Mln

Revenue (TTM)

$39 Mln

P/E Ratio

17.1

P/B Ratio

1.6

Div. Yield

0.9 %

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	Village Bank and Trust Financial (VBFC)	Sandy Spring Bancorp (SASR)	First Bancshares (FBMS)
Market cap ($ Mln)	120	1,262	1,056
Revenue ($ Mln)	33	672	46
Net Profit ($ Mln)	7.02	19.94	77.19
Net Margin (%)	17.77	2.97	27.87
RoE (%)	9.93	1.27	7.90
Price to Earnings	17.10	63.52	13.86
Price-To-Book	1.63	0.81	1.05

Income Statement
Liabilities
Assets
Cashflow
Ratios

Income Statement ($ Mln)

	Village Bank and Trust Financial (VBFC)	Sandy Spring Bancorp (SASR)	First Bancshares (FBMS)
Operating Revenue	33.29	672.27	46.39
Cost of Revenue	0.15	--	--
Gross Profit	33.13	672.27	46.39
Operating Expenses	0.36	26.57	276.99
Operating Profit (EBIT)	33.13	645.70	-243.74
Other Income	--	--	--
Profit before Tax	8.66	48.96	97.97
Provision for Tax	1.65	29.03	20.77
Profit after Tax (Net Income)	7.02	19.94	77.19
Minority Interest	--	--	--
Consolidated Profit	--	--	--

Liabilities ($ Mln)

	Village Bank and Trust Financial (VBFC)	Sandy Spring Bancorp (SASR)	First Bancshares (FBMS)
Shareholder's Funds	73.74	1,558.01	1,005.43
Minority Interest	--	--	--
Non-Current Liabilities	682.43	621.40	341.56
Current Liabilities	--	--	13.86
Total Liabilities	756.17	14,127.48	8,004.78

Assets ($ Mln)

	Village Bank and Trust Financial (VBFC)	Sandy Spring Bancorp (SASR)	First Bancshares (FBMS)
Non-Current Assets	756.17	395.79	1,977.89
Current Assets	78.89	126.33	116.46
Total Assets	756.17	14,127.48	8,004.78
Total Debt*	50.70	621.40	341.56
Net Current Assets	--	--	--

Cashflow ($ Mln)

	Village Bank and Trust Financial (VBFC)	Sandy Spring Bancorp (SASR)	First Bancshares (FBMS)
Cash From Operating Activities	4.64	38.29	85.51
Cash Flow from Investing Activities	--	--	--
Cash from Financing Activities	13.00	79.67	-71.95
Net Cash Inflow / Outflow	--	--	--

Ratios

Profitability Ratios

	Village Bank and Trust Financial (VBFC)	Sandy Spring Bancorp (SASR)	First Bancshares (FBMS)
ROCE (%)	5.58	0.85	6.34
ROE (%)	9.93	1.27	7.90
ROA (%)	0.94	0.14	0.96
EBIT Margin (%)	--	--	--
Net Margin (%)	21.08	2.97	166.40
Cash Profit Margin (%)	--	--	--

Growth Ratios

	Village Bank and Trust Financial (VBFC)	Sandy Spring Bancorp (SASR)	First Bancshares (FBMS)
Revenue Growth (%)	0.00	0.60	-0.84
EBIT Growth (%)	--	--	--
Net Profit Growth (%)	265.85	-83.77	2.30
EPS Growth (%)	2.64	-0.84	0.02
Book Value Growth (%)	--	--	--

Valuation Ratios

	Village Bank and Trust Financial (VBFC)	Sandy Spring Bancorp (SASR)	First Bancshares (FBMS)
Price / Earnings	16.65	76.51	14.38
Price / Book Value	1.58	0.98	1.10
Dividend Yield (%)	--	--	--
EV/EBITDA	--	--	--
Market Cap ($ Cr)	--	--	--

Solvency Ratios

	Village Bank and Trust Financial (VBFC)	Sandy Spring Bancorp (SASR)	First Bancshares (FBMS)
Debt to Equity	0.69	0.40	0.34
Short term debt to equity ratio	--	--	--
Current Ratio	--	--	8.40
Quick Ratio	--	--	--
Interest Coverage	--	--	--

Operating Efficiency Ratios

	Village Bank and Trust Financial (VBFC)	Sandy Spring Bancorp (SASR)	First Bancshares (FBMS)
Debtors to sales (%)	10.54	6.79	73.29
Asset Turnover	0.04	0.05	0.01
Receivable days	40.24	25.05	264.94
Inventory Days	135,475.19	--	--
Payable days	807.20	--	--
Cash Conversion Cycle	134,708.23	--	--

Annual
Quarterly