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Company Description

Contact Info

36 Church Avenue, SW

Roanoke, VA 24011

United States

Phone: 540-342-2265


Valley Financial Corporation operates as the holding company for Valley Bank that provides commercial and retail banking services to small-to-medium sized businesses, professional concerns, and individuals primarily in the Roanoke Valley of Virginia, the United States. The bank also participates in the Certificate of Deposit Account Registry Service (CDARS). CDARS gives the company the ability to provide its deposit customers access to Federal Deposit Insurance Corporation (FDIC) insurance in amounts exceeding the existing FDIC limit. The company operates from nine full-service offices. Lending Activities The company offers a range of lending services, including commercial loans, residential real estate loans, construction and development loans, and consumer loans. Commercial Lending: The company makes both secured and unsecured loans for working capital (including inventory and receivables), business expansion (including acquisition of real estate and improvements) and purchase of equipment and machinery. Residential Real Estate Lending: Residential real estate loans are secured by deeds of trust on 1-4 family residential properties. The company also serves as a broker for residential real estate loans placed in the secondary market. Construction and Development Lending: The company offers loans for the purpose of financing the construction of business and residential structures to financially responsible business entities and individuals. Additionally, it makes loans for the purpose of financing the acquisition and development of commercial and residential projects. Consumer Lending: The company offers consumer loans, both secured and unsecured, for financing automobiles, home improvements, education, and personal investments. Loans used to purchase vehicles or other specific personal property and loans associated with real estate are secured with a lien on the subject vehicle or property. Other Lending Activities: The company would occasionally buy or sell all or a portion of a loan. It offers leasing services for its small business, private banking and business banking customers. The company offers various forms of specialized asset-based lending to its commercial business customers, which include: accounts receivable financing, automobile floor plan financing, and asset-based loans. Other Services: The company’s other bank services include safe deposit boxes, certain cash management services, including overnight repurchase agreements, merchant purchase and management programs, traveler’s checks, direct deposit of payroll and social security checks, and automatic drafts for various accounts. The company operates nine proprietary ATM’s and are associated with the Star, Cirrus and InterCept shared networks of automated teller machines that might be used by bank customers throughout Virginia and other regions. The company also offers VISA and MasterCard credit card services, as well as a debit-check card. The company’s lockbox service provides a simple way to collect accounts receivable payments locally for businesses and non-profit organizations. Financial Services Valley Wealth Management Services, Inc, (VWM) a wholly-owned subsidiary of the bank, provides a range of brokerage services, including retirement planning, insurance, college funding and any other financial planning needs. Investment Portfolio The company’s investment portfolio includes U.S. Government and federal agency securities; securities of government-sponsored enterprises; mortgage-backed securities; collateralized mortgage obligations; securities of states and political subdivisions. Deposit Services The company offers a range of deposit services that are available in most banks and savings and loan associations, including checking accounts, NOW accounts, savings accounts and other time deposits of various types, ranging from daily money market accounts to longer-term certificates of deposit. In addition, the company offers certain retirement account services, such as individual retirement accounts. The company solicits accounts from individuals, businesses, associations and organizations and governmental authorities. Regulations As a bank holding company registered under the Bank Holding Company Act of 1956 (the BHCA), the company is subject to supervision, regulation and examination by the Federal Reserve. The company is also registered under the bank holding company laws of Virginia and is subject to supervision, regulation and examination by the Virginia State Corporation Commission (the SCC). The bank is supervised and regularly examined by the Federal Reserve and the SCC. All of the deposits of the bank are insured up to applicable limits by the Deposit Insurance Fund (DIF) of the FDIC and are subject to deposit insurance assessments to maintain the DIF. History Valley Financial Corporation was incorporated in 1994 as a Virginia stock corporation.


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Industry Average

Valuation VYFC Industry Range
Price/Earnings 14.4x
Price/Sales 3.1x
Price/Book 1.6x
Price/Cash Flow 14.5x
TEV/Sales NM Not Meaningful

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