Village Bank And Trust Financial's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Village Bank And Trust Financial (VBFC) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Village Bank And Trust Financial vs Its Competitors
- TTM: Trailing 12-month revenue of 33M vs 858,193M combined for tracked competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+6.5% annualized vs trailing 12 months), vs decelerating (-12.6%) for its tracked peer group.
- Growth: Village Bank And Trust Financial generated 979.0% revenue growth year over year in Q4 2024, vs 7.5% for its tracked competitors combined.
- Profitability: Its 16.8% net margin compares with 24.4% for the peer group.
- Peer revenue share: Village Bank And Trust Financial accounted for 0.0% of combined revenue among its tracked peer group, up from 0.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.25M compares with $0.51M for the peer group (0.5x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
VBFC Sales vs. its Competitors, Q4 2024
Village Bank And Trust Financial reported revenue growth of 978.97 % year on year in Q4 2024, above its competitors' combined revenue growth of 7.54 %.
With a net margin of 16.84 %, Village Bank And Trust Financial reported lower profitability than its competitors (24.44 %).
Village Bank And Trust Financial generated 0.00 % of the combined sales of its peer group, up from 0.00 % a year earlier.
Village Bank And Trust Financial vs. its Competitors, Q4 2024
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in Village Bank And Trust Financial reports; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Village Bank And Trust Financial and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Village Bank and Trust Financial Corp | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Village Bank And Trust Financial's competitor groups requires a Commercial License.
For context: the Regional Banks industry grew revenue 7.8% year over year, combined, vs 979.0% for Village Bank And Trust Financial. Village Bank And Trust Financial's share of combined industry revenue moved from 0.00% to 0.01%, a gain of 0.00 percentage points.
Village Bank And Trust Financial's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Village Bank and Trust Financial Corp | Yes | Yes | Yes | No |
| Competitors combined (195) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
VBFC Stock Performance relative to its Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Old Point Financial Corp | 282.9% | Outperformed |
| 2 | Optimumbank Holdings Inc | 282.9% | Outperformed |
| 3 | Lionsgate Studios Corp | 282.9% | Outperformed |
| 4 | Community Ban corp | 282.9% | Outperformed |
| 5 | Bank Of The James Financial Group Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Village Bank And Trust Financial's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Publicly Traded Peers of Village Bank and Trust Financial Corp
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Village Bank and Trust Financial Corp | 119.91 | 33.14 |
| Jpmorgan Chase and Co | 903,068.90 | 186,328.00 |
| Bank Of America Corporation | 370,399.48 | 121,098.00 |
| Wells Fargo and Company | 253,377.79 | 83,940.00 |
| Citigroup inc | 219,922.08 | 88,262.00 |
| Capital one financial corp | 128,356.53 | 51,099.00 |
| SUBTOTAL | 2,814,957.97 | 859,981.78 |
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Sources: Village Bank and Trust Financial Corp's official press releases and company reports; CSIMarket.com's market research; and the company reports and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Village Bank and Trust Financial Corp versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Village Bank And Trust Financial's Competitors Named by the Company
Competitive relationships identified from Village Bank And Trust Financial reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Bank Of The James Financial Group Inc | Company report | 85% |
| Primis Financial Corp | Company report | 85% |
| Community bankers trust corp | Company report | 85% |
| C and F Financial Corporation | Company report | 85% |
| First Community Bankshares Inc | Company report | 85% |
| Eagle Financial Services Inc | Company report | 85% |
| Bay Banks Of Virginia Inc | Company report | 85% |
| Eastern Virginia Bankshares Inc | Company report | 85% |
| Xenith Bankshares, Inc. | Company report | 85% |
| Old Line Bancshares Inc | Company report | 85% |
| United Bankshares Inc | Company report | 85% |
| Communityone Bancorp | Company report | 85% |
| Fvcbankcorp Inc | Company report | 85% |
| Monarch Financial Holdings, Inc. | Company report | 85% |
| Richmond Mutual Bancorporation Inc | Company report | 85% |
| M and t Bank Corporation | Company report | 85% |
| Bnc Bancorp | Company report | 85% |
| Fauquier Bankshares Inc | Company report | 85% |
| John Marshall Bancorp inc | Company report | 85% |
| Skyline Bankshares Inc | Company report | 85% |
| Atlantic Union Bankshares Corporation | Company report | 85% |
| Citizens Bancorp Of Virginia Inc | Company report | 85% |
| Highlands Bankshares Inc | Company report | 85% |
| Mainstreet Bancshares Inc | Company report | 85% |
| Southern Community Financial Corp | Company report | 85% |
| Summit Financial Group Inc | Company report | 85% |
| Blue Ridge Bankshares Inc | Company report | 85% |
| First Citizens Banc Corp | Company report | 85% |
| Middleburg Financial Corp | Company report | 85% |
| Park Sterling Corp | Company report | 85% |
Company report basis, confidence, active dates and source counts for Village Bank And Trust Financial's named competitors require a Commercial License.
Methodology: relationships are extracted from Village Bank And Trust Financial reports (named-competitor disclosures) and corroborating sources. Confidence reflects evidence strength.
Village Bank And Trust Financial's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Citigroup inc | Markets 29.42 % |
| D r Horton Inc | HomeBuildingOps 94.14 % |
| First Citizens Bancshares Inc | Commercial Bank 46.42 % |
| Pultegroup Inc | Florida 26.99 % |
| Lennar Corp | Homebuilding West 32.20 % |
Source: operating segment revenue as reported in each company's reports (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
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Village Bank And Trust Financial's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Village Bank and Trust Financial Corp | 120 | 249,135 | 52,759 |
| Jpmorgan Chase and Co | 903,069 | 584,995 | 200,752 |
| Bank Of America Corporation | 370,399 | 568,535 | 158,005 |
| Wells Fargo and Company | 253,378 | 351,213 | 95,100 |
| Citigroup inc | 219,922 | 390,540 | 72,049 |
| Capital one financial corp | 128,357 | 669,712 | 137,615 |
| PEERS TOTAL | 2,814,838 | 507,026 | 133,070 |
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Village Bank And Trust Financial's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent report. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Lionsgate Studios Corp | UNITED STATES 64.70 % |
Source: revenue geography as reported in each company's reports (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Village Bank And Trust Financial's Position in Industry Market Structure
Market-capitalization share and concentration across all 198 companies in Village Bank And Trust Financial's industry classification, broader than the peer set above. Market cap in millions of $.Village Bank And Trust Financial ranks #0 of 198 companies by market capitalization in its industry, holding 0.00 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 523, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 116,372 | 15.17 % |
| 2 | Deutsche Bank Aktiengesellschaft | 64,719 | 8.44 % |
| 3 | Ita Unibanco Holding S a | 54,492 | 7.11 % |
| 4 | Fifth Third Bancorp | 48,372 | 6.31 % |
| 5 | State Street Corp | 1,234 | 5.2% |
| 6 | M and t Bank Corporation | 1,234 | 5.2% |
| 7 | Northern Trust Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | Bank Bradesco | 1,234 | 5.2% |
| 0 | Village Bank and Trust Financial Corp | 120 | 0.00 % |
Market cap and industry share for the rest of Village Bank And Trust Financial's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2025-03-31.
Village Bank And Trust Financial's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Regional Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (2 companies). See the full Regional Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 56.54 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 47.26 % | 50.49 % (avg) | -3.2 pp |
| Capital Intensity (Capex / Revenue) | 0.93 % | 2.34 % (avg) | -1.4 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Village Bank And Trust Financial's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (2 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 16.3x | - | - |
| EV / EBITDA | 6.2x | - | - |
| P/B | 1.6x | - | - |
| Return on Equity | 9.80 % | industry aggregate | -0.59 % |
| Return on Invested Capital | 1.01 % | 4.16 % (avg) | -3.15 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Village Bank And Trust Financial's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | -6.38 % | 2.94 % | 11.04 % | 26.06 % | 17.28 % | -13.59 % | -41.17 % | 70.01 % |
| Operating Margin | 88.35 % | 15.97 % | 21.75 % | 33.77 % | 41.40 % | - | - | - |
| Return on Invested Capital | 19.56 % | 3.48 % | 4.47 % | 7.68 % | 11.22 % | 2.21 % | - | 1.01 % |
| P/E | - | 16.2x | 12.0x | 5.6x | 6.8x | 9.3x | 31.9x | 16.3x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Village Bank And Trust Financial's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 523 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 0.93 % vs industry average 2.34 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Village Bank And Trust Financial's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Village Bank And Trust Financial's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Village Bank And Trust Financial's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Village Bank And Trust Financial falls in the Medium attractiveness / Medium strength cell: Selective.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Village Bank And Trust Financial's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Latest-quarter revenue run-rate is accelerating (+6.5% annualized vs trailing 12 months).
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
No rule matched.
Opportunities
- Industry revenue growing at a healthy 11.9% median pace.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-12.6% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Village Bank And Trust Financial's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Village Bank and Trust Financial Corp | 0.04 | 1.09 | 0.08 |
| Jpmorgan Chase and Co | 0.17 | 0.42 | 1.40 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.41 |
| Citigroup inc | 0.01 | 0.40 | 1.75 |
| Capital one financial corp | 0.03 | 1.03 | 0.39 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Village Bank And Trust Financial's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Village Bank and Trust Financial Corp | Q4 2024 | +979.0 % | -12.2 % |
| Jpmorgan Chase and Co | Q2 2026 | +30.4 % | +44.0 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Wells Fargo and Company | Q2 2026 | +14.2 % | +21.6 % |
| Citigroup inc | Q1 2026 | +14.1 % | +44.6 % |
| Capital one financial corp | Q2 2026 | +1,392.5 % | - |
| PEERS TOTAL | +23.6 % | +46.1 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Village Bank And Trust Financial's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Village Bank and Trust Financial Corp | Q4 2024 | - | -48.5 % |
| Jpmorgan Chase and Co | Q2 2026 | -6.4 % | - |
| Bank Of America Corporation | Q2 2026 | - | - |
| Wells Fargo and Company | Q2 2026 | -16.2 % | - |
| Citigroup inc | Q1 2026 | - | -6.7 % |
| Capital one financial corp | Q2 2026 | -73.8 % | -8.0 % |
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Village Bank And Trust Financial's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Village Bank and Trust Financial Corp | 0.93% | 0.89% | 9.80% |
| Jpmorgan Chase and Co | 1.35% | 3.71% | 17.50% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Wells Fargo and Company | 1.05% | 2.94% | 12.48% |
| Citigroup inc | 0.61% | 0.65% | 7.62% |
| Capital one financial corp | 1.56% | 3.24% | 9.26% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Village Bank And Trust Financial's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Village Bank and Trust Financial Corp | 17.07 | 3.62 |
| Jpmorgan Chase and Co | 14.11 | 4.85 |
| Bank Of America Corporation | 11.70 | 3.06 |
| Wells Fargo and Company | 12.05 | 3.02 |
| Citigroup inc | 15.40 | 2.49 |
| Capital one financial corp | 12.30 | 2.51 |
| PEERS AVERAGE | 12.47 | 3.27 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.