Village Bank and Trust Financial Corp. serves as the bank holding company for Village Bank, offering a wide range of banking and financial services tailored to small and medium-sized businesses, professionals, and individuals. The company operates through two primary segments: Traditional Commercial Banking and Mortgage Banking. It provides various deposit services, including checking and savings accounts, money market accounts, individual retirement accounts, and certificates of deposit. Additionally, it extends both secured and unsecured commercial business loans aimed at addressing diverse financing needs, such as working capital, business expansion, and the acquisition of equipment. The company also supports loans for purchasing, developing, and constructing commercial real estate and provides consumer loans for various personal financing purposes. Furthermore, it facilitates mortgage loans, real estate construction loans, and acquisition loans that are subsequently sold in the secondary market. In enhancing customer convenience, Village Bank offers online and mobile banking solutions, as well as remote deposit capture services tailored for business clients. With a presence through nine full-service branches and a mortgage loan production office located strategically in Central Virginia, the bank serves counties including Chesterfield, Hanover, Henrico, Powhatan, James City, and Richmond City. The company reported depreciation and amortization expenses of $ 604,000.00 reflecting the wear and tear of its assets, alongside an interest expense of $ 7,986,000.00 which showcases its debt servicing obligations. Moreover, the net total of other income and expenses stands at $ 0.00 illustrating the company's engagement in non-core financial activities, while operating expenses amount to $ 25,252,000.00 encompassing various operational costs incurred during its operations. The EBITDA is $ 2,769,000.00 a key indicator of the company's operational profitability. On the investment side, the stock is reasonably priced at $ 80.13 making it appealing to a broad range of investors. Despite having a low average trading volume of 1,610.00 indicating lower market activity, it maintains a market capitalization of $ 120,162,601.00 categorizing the company as a small-cap player. Village Bank is recognized as a key player in the Banks - Regional industry, contributing significantly to the overall market landscape. Furthermore, it belongs to the Financial Services sector, driving innovation and growth, thereby enhancing its position within the financial services market.