VBNK vs KREF

Comparison between VILLAGE BANCORP INC (VBNK, Company) and KKR Real Estate Finance Trust Inc (KREF, Company).

VBNK is from the Financial Services sector, while KREF is from the Real Estate sector.

5-Year PerformanceVBNK has outperformed KREF, delivering a return of +15.5% compared to -10.9%

VBNK vs KREF - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	VBNK(COMPANY)	KREF(COMPANY)
Market Cap	$460M	$460M
Max Drawdown	51.37%	74.61%
Sharpe Ratio	1.71	-0.51
5Y Beta	0.93	0.78
Industry	Banks - Regional	Reit - Mortgage
P/E Ratio	23.19	-4.70
Forward P/E	15.02	11.67
PEG Ratio	5.41	5.13
Dividend Yield	0.51%	14.00%
5Y Dividends CAGR	N/A	-6.18%
5Y EPS CAGR	2.58%	N/A
Debt to Equity	18.89%	0.00%
Free Cash Flow Yield	48.78%	15.13%
P/S Ratio	4.53	27.18
P/B Ratio	1.58	0.42

Market Cap

Winner

VBNK

$460M

KREF

$460M

Max Drawdown

Winner

VBNK

51.37%

KREF

74.61%

Sharpe Ratio

Winner

VBNK

1.71

KREF

-0.51

5Y Beta

VBNK

0.93

Winner

KREF

0.78

Industry

VBNK

Banks - Regional

KREF

Reit - Mortgage

P/E Ratio

VBNK

23.19

Winner

KREF

-4.70

Forward P/E

VBNK

15.02

Winner

KREF

11.67

PEG Ratio

VBNK

5.41

Winner

KREF

5.13

Dividend Yield

VBNK

0.51%

Winner

KREF

14.00%

5Y Dividends CAGR

VBNK

N/A

KREF

-6.18%

5Y EPS CAGR

VBNK

2.58%

KREF

N/A

Debt to Equity

VBNK

18.89%

Winner

KREF

0.00%

Free Cash Flow Yield

Winner

VBNK

48.78%

KREF

15.13%

P/S Ratio

Winner

VBNK

4.53

KREF

27.18

P/B Ratio

VBNK

1.58

Winner

KREF

0.42

VBNK vs KREF - Historical Returns

Returns include dividend reinvestment.

Period	VBNK	KREF
1 month	+13.55%	+13.28%
3 months	+42.91%	+13.65%
6 months	+40.01%	-12.73%
1 year	+80.52%	-13.66%
5 years(CAGR)	+15.50%	-10.89%
10 years(CAGR)	N/A	-2.31%
Max(CAGR)	+15.50%	-2.31%

Winner

VBNK

+13.55%

KREF

+13.28%

Winner

VBNK

+42.91%

KREF

+13.65%

Winner

VBNK

+40.01%

KREF

-12.73%

Winner

VBNK

+80.52%

KREF

-13.66%

5Y(CAGR)

Winner

VBNK

+15.50%

KREF

-10.89%

10Y(CAGR)

VBNK

N/A

KREF

-2.31%

Max(CAGR)

Winner

VBNK

+15.50%

KREF

-2.31%

VBNK vs KREF - Annual Returns (2017 - 2026)

Returns include dividend reinvestment.

Year	VBNK	KREF
2026	+35.06%	-8.86%
2025	+9.88%	-10.28%
2024	+25.70%	-15.67%
2023	+47.60%	+7.03%
2022	-37.02%	-27.15%
2021	+13.54%	+31.31%
2020	N/A	-2.48%
2019	N/A	+15.89%
2018	N/A	+4.47%
2017	N/A	-5.23%

VBNK vs KREF Drawdown Comparison

The maximum drawdown for VBNK was -50.70%, occurring on May 18, 2023. Recovery took 698 trading sessions.

The maximum drawdown for KREF was -57.40%, occurring on Mar 27, 2026. This drawdown has not yet recovered.

The current KREF drawdown is -47.30%.

Rank	VBNK	KREF
#1	-50.70% Nov 12, 2021 - Aug 26, 2024	-57.40% Oct 27, 2021 - Mar 27, 2026
#2	-50.53% Dec 5, 2024 - Apr 22, 2026	-55.29% Feb 21, 2020 - Apr 12, 2021
#3	-9.18% May 8, 2026 - Jun 3, 2026	-15.11% Jun 2, 2017 - Aug 24, 2018
#4	-7.26% Oct 16, 2024 - Nov 5, 2024	-10.60% Jun 16, 2021 - Oct 20, 2021
#5	-6.81% Aug 30, 2024 - Sep 19, 2024	-10.11% Aug 27, 2018 - Jan 31, 2019
#6	-6.67% Sep 15, 2021 - Oct 5, 2021	-8.92% May 3, 2021 - May 27, 2021
#7	-5.38% Jun 3, 2026 - Jun 12, 2026	-7.00% Jul 23, 2019 - Oct 25, 2019
#8	-4.05% Sep 19, 2024 - Oct 10, 2024	-3.32% May 3, 2019 - Jul 2, 2019
#9	-3.72% Nov 29, 2024 - Dec 5, 2024	-3.19% Feb 4, 2019 - Apr 8, 2019
#10	-3.59% Nov 11, 2024 - Nov 18, 2024	-3.03% May 26, 2017 - Jun 2, 2017
#11	-3.27% Apr 27, 2026 - May 6, 2026	-2.81% Oct 28, 2019 - Dec 5, 2019
#12	-2.37% Oct 14, 2024 - Oct 16, 2024	-1.81% Jun 9, 2021 - Jun 14, 2021
#13	-2.28% Aug 31, 2021 - Sep 13, 2021	-1.66% Dec 6, 2019 - Dec 18, 2019
#14	-2.26% Aug 26, 2024 - Aug 29, 2024	-1.45% May 5, 2017 - May 16, 2017
#15	-2.10% Oct 8, 2021 - Oct 22, 2021	-1.41% Apr 16, 2021 - Apr 27, 2021

Correlation

Correlation between VBNK and KREF is -0.35 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.35

-101