Stock Scorecard
Stock Summary for VILLAGE BANCORP INC (VBNK) - $14.46 as of 12/15/2025 6:05:05 PM EST
Total Score
13 out of 30
Safety Score
45 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for VBNK
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for VBNK
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for VBNK
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for VBNK
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for VBNK (45 out of 100)
| Stock Price Rating (Max of 10) | 5 |
| Historical Stock Price Rating (Max of 10) | 5 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 5 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 4 |
| Dividend Yield Percentage (Max of 10) | 1 |
| Operating Margin (Max of 10) | 5 |
| Trading Volume (Max of 10) | 3 |
| Price to Earnings (Max of 10) | 7 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for VBNK
Financial Details for VBNK
Company Overview |
|
|---|---|
| Ticker | VBNK |
| Company Name | VILLAGE BANCORP INC |
| Country | USA |
| Description | N/A |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 10/31/2025 |
| Next Earnings Date | 3/4/2026 |
Stock Price History |
|
| Last Day Price | 14.46 |
| Price 4 Years Ago | 11.52 |
| Last Day Price Updated | 12/15/2025 6:05:05 PM EST |
| Last Day Volume | 87,736 |
| Average Daily Volume | 45,841 |
| 52-Week High | 15.32 |
| 52-Week Low | 8.48 |
| Last Price to 52 Week Low | 70.52% |
Valuation Measures |
|
| Trailing PE | 22.25 |
| Industry PE | 16.75 |
| Sector PE | 21.78 |
| 5-Year Average PE | 12.11 |
| Free Cash Flow Ratio | 0.79 |
| Industry Free Cash Flow Ratio | 6.51 |
| Sector Free Cash Flow Ratio | 46.70 |
| Current Ratio Most Recent Quarter | 0.14 |
| Total Cash Per Share | 18.21 |
| Book Value Per Share Most Recent Quarter | 12.10 |
| Price to Book Ratio | 1.18 |
| Industry Price to Book Ratio | 1.17 |
| Sector Price to Book Ratio | 2.05 |
| Price to Sales Ratio Twelve Trailing Months | 3.84 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.31 |
| Sector Price to Sales Ratio Twelve Trailing Months | 4.05 |
| Analyst Buy Ratings | 0 |
| Analyst Strong Buy Ratings | 2 |
Share Statistics |
|
| Total Shares Outstanding | 31,945,500 |
| Market Capitalization | 461,931,930 |
| Institutional Ownership | 36.20% |
Dividends |
|
| Ex-Dividend Date | 1/9/2026 |
| Previous Dividend Amount | 0.0250 |
| Current Dividend Amount | 0.0250 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.10 |
| Trailing Annual Dividend Yield | 0.70% |
| Forward Annual Dividend Rate | 0.10 |
| Forward Annual Dividend Yield | 0.70% |
| 5-Year Dividend Payments Count | 21 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 13.99% |
| Dividend Payout Ratio | 15.38% |
Income Statement |
|
| Quarterly Earnings Growth YOY | -20.50% |
| Annual Earnings Growth | -28.40% |
| Reported EPS 12 Trailing Months | 0.65 |
| Reported EPS Past Year | 0.84 |
| Reported EPS Prior Year | 1.09 |
| Net Income Twelve Trailing Months | 28,458,000 |
| Net Income Past Year | 28,458,000 |
| Net Income Prior Year | 39,748,000 |
| Quarterly Revenue Growth YOY | 23.10% |
| 5-Year Revenue Growth | 7.67% |
| Operating Margin Twelve Trailing Months | 29.30% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 581,710,000 |
| Total Cash Past Year | 581,710,000 |
| Total Cash Prior Year | 225,254,000 |
| Net Cash Position Most Recent Quarter | 478,194,000 |
| Net Cash Position Past Year | 478,194,000 |
| Long Term Debt Past Year | 103,516,000 |
| Long Term Debt Prior Year | 102,503,000 |
| Total Debt Most Recent Quarter | 103,516,000 |
| Equity to Debt Ratio Past Year | 0.84 |
| Equity to Debt Ratio Most Recent Quarter | 0.84 |
| Total Stockholder Equity Past Year | 532,673,000 |
| Total Stockholder Equity Prior Year | 399,203,000 |
| Total Stockholder Equity Most Recent Quarter | 532,673,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 41,921,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 1.31 |
| Free Cash Flow Past Year | 43,497,000 |
| Free Cash Flow Prior Year | 254,127,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.07 |
| MACD Signal | -0.03 |
| 20-Day Bollinger Lower Band | 10.47 |
| 20-Day Bollinger Middle Band | 11.74 |
| 20-Day Bollinger Upper Band | 13.00 |
| Beta | 1.09 |
| RSI | 65.55 |
| 50-Day SMA | 11.70 |
| 150-Day SMA | 10.48 |
| 200-Day SMA | 9.92 |
System |
|
| Modified | 12/13/2025 12:05:10 PM EST |