Village Bank and Trust Financial Corp.
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
-7.0834.292.80-13.9514.3611.975.866.819.2430.8816.1114.36
Price/Sales ratio
0.561.752.831.901.842.051.522.242.371.782.851.84
Price/Book Value ratio
0.380.720.861.091.171.240.961.331.250.871.561.17
Price/Cash Flow ratio
3.26-9.4228.915.516.15369.82-7.021.997.4711.94-6.57369.82
Price/Free Cash Flow ratio
-21.93-6.4594.856.286.33-670.29-6.712.027.8413.64-6.46-670.29
Price/Earnings Growth ratio
0.08-0.120.040.11-0.070.250.060.15-0.27-0.40-1.280.25
Dividend Yield
N/AN/AN/A7.53%0.25%N/AN/A0.24%1.11%1.65%0.92%0.25%
Profitability Indicator Ratios
Gross Profit Margin
100%100%181.09%93.27%98.63%100%100%100%100%100%100%98.63%
Operating Profit Margin
19.38%27.79%36.99%18.48%32.26%21.64%33.51%41.94%37.55%6.50%38.13%32.26%
Pretax Profit Margin
-7.96%5.11%17.49%6.48%15.75%21.64%33.51%41.94%31.86%6.50%21.95%15.75%
Net Profit Margin
-7.96%5.11%100.99%-13.64%12.82%17.17%25.96%32.91%25.70%5.76%17.64%12.82%
Effective Tax Rate
N/AN/A-477.23%310.46%18.57%20.63%22.51%21.54%19.32%11.40%19.66%18.57%
Return on Assets
-0.23%0.15%3.03%-0.64%0.58%0.82%1.21%1.66%1.14%0.26%0.95%0.58%
Return On Equity
-5.44%2.12%30.98%-7.87%8.17%10.43%16.45%19.64%13.59%2.83%10.30%8.17%
Return on Capital Employed
0.58%0.83%1.11%0.87%1.48%1.04%1.56%2.12%1.67%0.29%2.05%1.48%
Liquidity Ratios
Current Ratio
0.060.040.020.040.020.041.13N/AN/AN/A276.910.02
Quick Ratio
0.0735.66442.27999.23375.19421.28552.713.02K2.42KN/A276.91421.28
Cash ratio
21.5212.68154.97191.5057.5490.3465.51177.51172.31N/A36.3790.34
Days of Sales Outstanding
38.46N/AN/AN/AN/AN/AN/A31.3041.2441.9832.03N/A
Days of Inventory outstanding
N/AN/A-354.16-8.86K-26.39KN/AN/AN/AN/AN/AN/A-26.39K
Operating Cycle
N/AN/A-354.16-8.86K-26.39KN/AN/AN/AN/AN/A32.03-26.39K
Days of Payables Outstanding
N/AN/A-2.3522.24250.51N/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/A-351.81-8.88K-26.64KN/AN/AN/AN/AN/A32.03-26.64K
Debt Ratios
Debt Ratio
0.030.020.020.020.060.070.060.010.030.080.030.07
Debt Equity Ratio
0.900.360.250.350.950.930.900.220.420.880.340.93
Long-term Debt to Capitalization
0.470.260.200.260.480.480.470.180.290.460.250.48
Total Debt to Capitalization
0.470.260.200.260.480.480.470.180.290.460.250.48
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A1.56N/A
Cash Flow to Debt Ratio
0.13-0.210.110.560.200.00-0.152.940.390.08-0.680.00
Company Equity Multiplier
22.7713.8310.1912.1313.8612.5913.5811.8011.8310.9010.2312.59
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.17-0.180.090.340.290.00-0.211.120.310.14-0.430.00
Free Cash Flow / Operating Cash Flow Ratio
-0.141.450.300.870.97-0.551.040.980.950.871.010.97
Cash Flow Coverage Ratio
0.13-0.210.110.560.200.00-0.152.940.390.08-0.680.00
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Dividend Payout Ratio
N/AN/AN/A-105.20%3.72%N/AN/A1.65%10.31%51.14%14.89%3.72%