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Village Bank & Trust Financial Corp.

EDGAR
VBFC Annual report (10-K) · filed 2025-03-26

Annual consolidated revenue for 2024: about Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 45.95M, using the latest reported figures. The previous period, 2023, was about Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 38.22M.

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Latest quarter

Revenue

11.7 million Unit_Standard_USD_xj_TFdq6MU6Mhd9TU9p45Q

2024 Q3 · Unit_Standard_USD_xj_TFdq6MU6Mhd9TU9p45Q

Exact inputs and evidence
  • Revenue: 11723000 Unit_Standard_USD_xj_TFdq6MU6Mhd9TU9p45Q Source

Net margin

17.96%

2024 Q3 · %

Exact inputs and evidence
  • Net Income: 2106000 Unit_Standard_USD_xj_TFdq6MU6Mhd9TU9p45Q Source
  • Revenue: 11723000 Unit_Standard_USD_xj_TFdq6MU6Mhd9TU9p45Q Source
Cash and cash equivalents
31.8 million USD Source
Exact value

31758000 USD

Long-term debt including current maturities
0 Unit12 Source
Exact value

0 Unit12

Shares outstanding
1.5 million Unit_Standard_shares_11KESAIN7Uaj7llJR6zMPg Source
Exact value

1498097 Unit_Standard_shares_11KESAIN7Uaj7llJR6zMPg

Reported share-count change

0.35% · 5.22 thousand Unit_Standard_shares_11KESAIN7Uaj7llJR6zMPg

Year-over-year change in reported shares. Splits, issuance and buybacks can affect this figure; it does not isolate employee compensation or economic dilution.

Exact inputs and evidence
  • 1492879 Unit_Standard_shares_11KESAIN7Uaj7llJR6zMPg · 2023-12-31· Source
  • 1498097 Unit_Standard_shares_11KESAIN7Uaj7llJR6zMPg · 2024-12-31· Source

Company performance

Up to ten complete financial years · consolidated figures

Includes later revisions to earlier periods. Annual charts exclude incomplete years.

Latest filing recorded: 2025-03-26.

Financial data available through: 2024-12-31.

Coverage by financial measure
  • Revenue: 2 of 11 periods available· newest 2024-12-31
  • operating income: No compatible figures in this window
  • Net income: 2 of 11 periods available· newest 2024-12-31
  • Operating cash flow: 2 of 11 periods available· newest 2024-12-31
  • Capital expenditure: 2 of 11 periods available· newest 2024-12-31
  • Total assets: 2 of 11 periods available· newest 2024-12-31
  • Total liabilities: 2 of 11 periods available· newest 2024-12-31
  • current assets: No compatible figures in this window
  • current liabilities: No compatible figures in this window
  • Cash and cash equivalents: 2 of 11 periods available· newest 2015-12-31
  • long term debt: No compatible figures in this window
  • Shares outstanding: 2 of 11 periods available· newest 2024-12-31

Coverage describes values retained in this snapshot. Missing values are not zero; loading limits are reported separately.

What changed year over year

Latest complete year compared with the corresponding period one year earlier. These are measured changes; they do not establish their business causes.

  • Revenue

    +20.2%

    Prior period

    Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 38.22 million

    –

    Current period

    Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 45.95 million

    –

    Exact inputs and evidence

    45950000 − 38224000 = 7726000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g

    38224000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g · 2023-01-01 – 2023-12-31

    Inspect prior input Prior source

    45950000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g · 2024-01-01 – 2024-12-31

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  • Net income

    +265.8%

    Prior period

    Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 1.92 million

    –

    Current period

    Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 7.02 million

    –

    Exact inputs and evidence

    7017000 − 1918000 = 5099000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g

    1918000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g · 2023-01-01 – 2023-12-31

    Inspect prior input Prior source

    7017000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g · 2024-01-01 – 2024-12-31

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  • Operating cash flow

    -6.5%

    Prior period

    Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 4.96 million

    –

    Current period

    Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 4.64 million

    –

    Exact inputs and evidence

    4636000 − 4957000 = -321000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g

    4957000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g · 2023-01-01 – 2023-12-31

    Inspect prior input Prior source

    4636000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g · 2024-01-01 – 2024-12-31

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  • Capital expenditure

    -50.2%

    Prior period

    Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 616,000

    –

    Current period

    Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 307,000

    –

    Exact inputs and evidence

    307000 − 616000 = -309000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g

    616000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g · 2023-01-01 – 2023-12-31

    Inspect prior input Prior source

    307000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g · 2024-01-01 – 2024-12-31

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Where revenue goes

How a period’s revenue divides into costs and what remains as profit. Items marked Derived are calculated by subtraction from reported figures.

2024 2024-01-01 – 2024-12-31

  • Revenue Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 45.95 million 100% of revenue
  • Operating costs Derived Unavailable An input is unavailable.
  • Operating income Unavailable An input is unavailable.
  • Tax, interest and other Derived Unavailable An input is unavailable.
  • Net income Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 7.02 million 15% of revenue

Cash

  • Operating cash flow Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 4.64 million 10% of revenue
  • Capital expenditure Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 307,000 0.7% of revenue
  • Free cash flow Derived Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 4.33 million 9.4% of revenue

Share of revenue by period

  • Net income
  • Tax, interest and other
  • Operating costs
  • 2023 Not shown: operating income or net income is not reported.
  • 2024 Not shown: operating income or net income is not reported.
Values and sources
Revenue breakdown by annual reporting period
PeriodRevenueOperating costsOperating incomeTax, interest and otherNet incomeFree cash flowSource
2023 2023-01-01 – 2023-12-3138224000 UnavailableUnavailableUnavailable1918000 4341000 Derived
Source
2024 2024-01-01 – 2024-12-3145950000 UnavailableUnavailableUnavailable7017000 4329000 Derived
Source

Amounts are exact, in Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g.

Growth

Sales over time and how quickly they are changing.

Revenue

Revenue reported for each complete financial period.

Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 46M 2024
Revenue historyRevenue reported for each complete financial period. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.49.6M37.2M24.8M12.4M0.020232024
Values and sources
Revenue values and source evidence
PeriodSeriesValue(Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g)Source evidence
2023Revenue38224000
2024Revenue45950000

Revenue growth

Change in revenue from the same financial period one year earlier.

20.2% 2024
Revenue growth historyChange in revenue from the same financial period one year earlier. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.21.8%16.4%10.9%5.5%0.0%20232024
Values and sources
Revenue growth values and source evidence
PeriodSeriesValueSource evidence
2023Year over yearNo prior comparable period
2024Year over year20.2%

Profit and cash

How much revenue becomes profit, and how much cash operations generate.

Profit margins

Operating income, net income and free cash flow as a share of revenue.

Net margin 15.3% 2024
Free cash flow margin 9.4% 2024
Profit margins historyOperating income, net income and free cash flow as a share of revenue. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.16.5%12.4%8.2%4.1%0.0%2023-12-312024-12-31
  • Operating margin
  • Net margin
  • Free cash flow margin
Values and sources
Profit margins values and source evidence
PeriodSeriesValueSource evidence
2023-12-31Operating marginNot reported
2024-12-31Operating marginNot reported
2023Net margin5%
2024Net margin15.3%
2023Free cash flow margin11.4%
2024Free cash flow margin9.4%

Operating cash flow

Cash generated by the company’s normal business operations.

Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 4.6M 2024
Operating cash flow historyCash generated by the company’s normal business operations. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.5.4M4.0M2.7M1.3M0.020232024
Values and sources
Operating cash flow values and source evidence
PeriodSeriesValue(Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g)Source evidence
2023Operating cash flow4957000
2024Operating cash flow4636000

Free cash flow

Operating cash flow minus capital expenditure for the same period and unit.

Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 4.3M 2024
Free cash flow historyOperating cash flow minus capital expenditure for the same period and unit. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.4.7M3.5M2.3M1.2M0.020232024
Values and sources
Free cash flow values and source evidence
PeriodSeriesValue(Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g)Source evidence
2023Free cash flow4341000
2024Free cash flow4329000

Balance sheet

Liabilities and short-term ability to meet obligations at each period end.

Liabilities to assets

Total liabilities as a share of total assets.

90.2% 2024
Liabilities to assets historyTotal liabilities as a share of total assets. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.98%74%49%25%0%20232024
Values and sources
Liabilities to assets values and source evidence
PeriodSeriesValueSource evidence
2023Liabilities / assets90.8%
2024Liabilities / assets90.2%

Current assets to current liabilities

Current assets divided by current liabilities.

Not enough comparable data to show this history.
Values and sources
Current assets to current liabilities values and source evidence
PeriodSeriesValueSource evidence
2023-12-31Current assets / current liabilitiesNot reportedNo source recorded
2024-12-31Current assets / current liabilitiesNot reportedNo source recorded

Cash generation

Compare reported profit with operating cash and capital spending. Free cash flow is calculated as operating cash flow minus capital expenditure when both exact, consolidated amounts match the same period and unit.

Cash generation by annual reporting period
PeriodNet incomeOperating cash flowCapital expenditureFree cash flow
2023 2023-01-01 – 2023-12-31
Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 1.92 million
Exact value

Exact value: 1918000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g

2023-01-01 – 2023-12-31: 1918000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g Inspect Net Income Open source
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Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 4.96 million
Exact value

Exact value: 4957000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g

2023-01-01 – 2023-12-31: 4957000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g Inspect Operating Cash Flow Open source
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Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 616,000
Exact value

Exact value: 616000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g

2023-01-01 – 2023-12-31: 616000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g Inspect Capital Expenditure Open source
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Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 4.34 million
Calculation and evidence

4957000 − 616000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g

Exact free cash flow: 4341000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g

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2024 2024-01-01 – 2024-12-31
Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 7.02 million
Exact value

Exact value: 7017000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g

2024-01-01 – 2024-12-31: 7017000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g Inspect Net Income Open source
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Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 4.64 million
Exact value

Exact value: 4636000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g

2024-01-01 – 2024-12-31: 4636000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g Inspect Operating Cash Flow Open source
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Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 307,000
Exact value

Exact value: 307000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g

2024-01-01 – 2024-12-31: 307000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g Inspect Capital Expenditure Open source
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Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g 4.33 million
Calculation and evidence

4636000 − 307000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g

Exact free cash flow: 4329000 Unit_Standard_USD_mNMsqtBUpkGZHG4Wmx7u4g

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Capital expenditure uses the canonical mapped positive-spending convention. A missing, ambiguous, incompatible, or negative-sign input is left blank. Values use the latest reported version.

Dataset coverage and company identifiers

Coverage reflects filings processed into this Fundies dataset; it does not imply every source filing is loaded.

114 filings · 4,818 latest values · 4,818 originally reported values

Dataset published . Source filing dates and reporting periods are shown separately.

Identifiers: 0001290476, 1290476, VBFC, edgar:1290476

Also known as Southern Community Financial Corp., Village Bank & Trust Financial Corp., Village Bank & Trust Financial Corp.