Vestin Realty Mortgage II, Inc. (VRTB)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Vestin Realty Mortgage II, Inc. (VRTB) trades at $3105.00 with AI Score 66/100 (Grade B+). Vestin Realty Mortgage II, Inc. (VRTB) is a financial services company founded in 2001, specializing in real estate-secured loans across the United States. Market cap: $7.26M, Sector: Financial services.
Price live · AI analysis from Jun 14, 2026Analyst Coverage for VRTB: VRTB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates VRTB against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
VRTB: 2/5 perspectives are bullish. Dominant signal: Seth Klarman bearish.
How is this calculated? →Vestin Realty Mortgage II, Inc. (VRTB) Financial Services Profile
Vestin Realty Mortgage II, Inc. is a Las Vegas-based financial services firm investing in real estate-secured loans and properties across the U.S. The company operates through three distinct segments, offering a range of loan products including commercial, construction, and residential, while also engaging in real property acquisitions and management company investments.
What Is the Investment Thesis for VRTB?
Vestin Realty Mortgage II, Inc. (VRTB) operates within the U.S. real estate finance sector, focusing on secured real estate loans and direct property investments. The company's business model, structured across three segments—Real Estate Loans, Real Property, and Real Estate Management Company investments—provides diversified exposure to the real estate market. Key financial metrics indicate a market capitalization of $7.26M, reflecting its micro-cap status. The company reported a gross margin of 100.0%, which is typical for financial services firms where revenue is interest income and direct costs are minimal, but a significant negative profit margin of -527.3% highlights substantial operational challenges or non-operating expenses. A Beta of -0.02 suggests a very low or inverse correlation to broader market movements, an unusual characteristic that warrants further investigation into its asset-liability structure and market sensitivity. Value drivers would primarily stem from effective management of its loan portfolio, successful real property acquisitions and dispositions, and strategic investments in real estate management entities. Given the company's historical data cutoff of March 31, 2016, for its loan products, future performance hinges on its ability to adapt to evolving real estate market conditions and credit cycles. The absence of a dividend yield indicates a focus on reinvestment or a lack of distributable earnings.
Based on FMP financials and quantitative analysis
VRTB Key Highlights
- Market capitalization stands at $0.01 billion, positioning Vestin Realty Mortgage II, Inc. as a micro-cap entity within the financial services sector.
- The company reported a gross margin of 100.0%, indicating that its core revenue generation from real estate loans and investments has minimal direct cost of goods sold.
- A significant negative profit margin of -527.3% suggests substantial operating losses or non-operating expenses impacting overall profitability.
- Vestin Realty Mortgage II, Inc. maintains a Beta of -0.02, indicating a very low or inverse correlation to general market movements, which is an atypical characteristic for a financial services firm.
- The company does not currently pay a dividend, implying a strategy of retaining earnings for operations or a lack of sufficient profitability for distributions.
Who Are VRTB's Competitors?
VRTB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| SNFCA Security National Financial Corporation | $9.86 | +1.39% | $221.25M | 73 |
| BETRW Better Home & Finance Holding Company | $0.20 | -1.46% | $441.57M | 69 |
| ECPG Encore Capital Group, Inc. | $89.85 | -0.84% | $1.93B | 66 |
| BETR Better Home & Finance Holding Company | $29.63 | +3.60% | $464.28M | 65 |
| PFSI PennyMac Financial Services, Inc. | $83.32 | -0.18% | $4.33B | 64 |
| LDI loanDepot, Inc. | $1.19 | -3.25% | $398.68M | 62 |
| ADAMG Adamas Trust, Inc. - 9.125% Senior Notes Due 2030 | $25.16 | +0.04% | $821.66M | 62 |
| ADAMM Adamas Trust, Inc. | $24.85 | +0.17% | $822.71M | 60 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are VRTB's Key Strengths?
- Diversified investment strategy across real estate loans, direct property, and management companies.
- Established presence in the U.S. real estate market since 2001.
- Broad range of real estate loan products, including commercial, construction, and residential.
- High gross margin (100.0%) indicates efficient revenue generation from core activities.
What Are VRTB's Weaknesses?
- Significant negative profit margin (-527.3%) indicates substantial unprofitability or high operating costs.
- Small market capitalization ($0.01B) may limit access to capital and market liquidity.
- Reliance on real estate market conditions, which are cyclical and subject to economic downturns.
- Limited employee base (25 employees) may constrain capacity for large-scale operations or rapid expansion.
What Could Drive VRTB Stock Higher?
- Effective management of its existing portfolio of real estate loans and properties could stabilize or improve financial performance.
- Strategic acquisitions of real property or real estate management companies could expand asset base and revenue streams.
- Any future public disclosures of updated financial results or operational reports could provide clarity on the company's current standing.
- Potential for improved economic conditions in the U.S. real estate market could positively impact loan demand and property values.
- Successful resolution of any legacy issues contributing to the negative profit margin could improve investor sentiment.
What Are the Key Risks for VRTB?
- Financial-distress signal — its Altman Z-Score of -0.19 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- The significant negative profit margin of -527.3% indicates severe unprofitability, posing a substantial risk to long-term viability.
- Limited and outdated public financial information (data as of March 31, 2016) creates high uncertainty for investors regarding current performance and financial health.
- Exposure to cyclical real estate markets and interest rate fluctuations can negatively impact loan portfolio performance and property values.
- Trading on the 'OTC Other' tier with 'Unknown' disclosure status implies very low liquidity and high investment risk.
- Competition from larger, better-capitalized financial institutions in the real estate lending and investment sectors could limit growth opportunities.
What Are the Growth Opportunities for VRTB?
- Growth in Commercial Real Estate Lending: Vestin Realty Mortgage II, Inc. offers commercial loan products, a segment of the real estate market that can experience significant demand driven by economic expansion and business investment. Expanding its portfolio within this sector, potentially by targeting specific property types or geographic regions within the U.S., could lead to increased interest income and asset growth. The commercial real estate market, while cyclical, offers opportunities for higher yields compared to some residential segments, provided credit risk is managed effectively. This strategic focus leverages one of the company's established product lines.
- Expansion in Real Property Investments: The company's mandate includes investing in, acquiring, managing, or selling real property. This segment allows VRTB to directly capitalize on appreciation in real estate values and generate rental income. Strategic acquisitions of undervalued properties or those in high-growth areas within the United States, followed by effective management and timely dispositions, could significantly enhance asset value and profitability. This direct real estate exposure provides a complementary revenue stream to its lending activities and offers diversification benefits.
- Strategic Acquisitions of Real Estate Management Companies: Vestin Realty Mortgage II, Inc. acquires entities engaged in the ownership or management of real property. This strategy allows the company to integrate property management capabilities, potentially reducing third-party costs and enhancing operational control over its real estate assets. Identifying and acquiring well-run, synergistic real estate management firms could expand VRTB's service offerings, increase recurring fee income, and provide a platform for managing a larger portfolio of owned or financed properties, thereby creating a more integrated real estate investment platform.
- Diversification and Specialization of Real Estate Loan Products: As of March 31, 2016, VRTB had five real estate loan products. Further specialization within these categories or the introduction of new niche loan products could capture underserved market segments. For instance, focusing on specific types of construction loans (e.g., multi-family, industrial) or expanding into specialized land development financing could enhance competitive advantage and yield. Tailoring products to evolving market demands, such as green building financing or adaptive reuse projects, could unlock new revenue streams and market share within the U.S. real estate lending landscape.
- Geographic Concentration in High-Growth U.S. Markets: While the company operates across the United States, a strategic focus on high-growth metropolitan areas or regions experiencing significant population and economic expansion could optimize returns. Concentrating lending and property investment activities in markets with robust job growth, strong housing demand, and favorable demographic trends could mitigate risk and enhance asset performance. This targeted geographic approach allows for deeper market expertise and more efficient deployment of capital compared to a broadly dispersed strategy, potentially leading to superior risk-adjusted returns.
What Opportunities Does VRTB Have?
- Potential to expand market share in specific underserved real estate lending niches within the U.S.
- Strategic acquisitions of real estate management companies could enhance operational control and revenue streams.
- Capitalizing on specific regional real estate market growth trends within the United States.
- Diversification into new, complementary real estate asset classes or financing structures.
What Threats Does VRTB Face?
- Fluctuations in interest rates impacting loan demand and profitability.
- Downturns in the U.S. real estate market affecting asset values and loan defaults.
- Increased regulatory scrutiny and compliance costs in the financial services and mortgage industries.
- Competition from larger, better-capitalized financial institutions and private lenders.
What Are VRTB's Competitive Advantages?
- Specialized focus on various real estate loan products, including commercial, construction, and land, potentially allowing for niche market expertise.
- Integrated approach combining real estate lending with direct property investment and management company acquisitions, creating a comprehensive real estate platform.
- Established presence and operational history since 2001 within the U.S. real estate finance sector.
- Relationships and underwriting expertise developed over years in the specific segments of real estate lending it serves.
What Does VRTB Do?
Vestin Realty Mortgage II, Inc. (VRTB), established in 2001 and headquartered in Las Vegas, Nevada, operates as a financial services entity primarily focused on investments in loans secured by real estate throughout the United States. The company, which was formerly known as Vestin Fund II, LLC, has evolved to structure its operations through three distinct segments. These segments include Investments in Real Estate Loans, Investments in Real Property, and Investment in a Real Estate Management Company. Within its core real estate loan segment, as of March 31, 2016, VRTB offered a diverse portfolio of five specific loan products designed to cater to various market needs. These products encompassed commercial loans, construction loans, acquisition and development loans, land loans, and residential loan products, indicating a broad approach to real estate financing. Beyond direct lending, Vestin Realty Mortgage II, Inc. actively engages in the acquisition, management, and sale of real property, demonstrating a comprehensive involvement in the real estate asset lifecycle. Furthermore, the company strategically acquires entities that specialize in the ownership or management of real property, which allows for vertical integration and expansion of its operational footprint within the real estate sector. With 25 employees, VRTB maintains a specialized focus within the U.S. real estate market, aiming to generate returns through its multifaceted investment strategies in both debt and equity real estate instruments.
What Products and Services Does VRTB Offer?
- Invests in loans secured by real estate through deeds of trust or mortgages in the United States.
- Operates through three primary segments: Investments in Real Estate Loans, Investments in Real Property, and Investment in a Real Estate Management Company.
- Offers five distinct real estate loan products, including commercial, construction, acquisition and development, land, and residential loans (as of March 31, 2016).
- Acquires, manages, and sells real property directly.
- Acquires entities that are engaged in the ownership or management of real property.
- Focuses on the U.S. real estate market for its investment and lending activities.
- Manages a team of 25 employees from its headquarters in Las Vegas, Nevada.
How Does VRTB Make Money?
- Generates revenue primarily through interest income from its portfolio of real estate-secured loans.
- Aims to profit from the acquisition, management, and eventual sale of real property assets.
- Seeks to generate income and strategic value through investments in or acquisitions of real estate management companies.
- Manages a diverse portfolio of loan types, including commercial, construction, and residential, to cater to various market demands.
- Leverages its expertise in real estate finance and property management to identify and capitalize on investment opportunities across the United States.
What Industry Does VRTB Operate In?
Vestin Realty Mortgage II, Inc. operates within the Financial - Mortgages industry, a segment of the broader Financial Services sector. This industry is characterized by entities that provide financing for real estate transactions, including commercial, residential, and development projects. The competitive landscape typically includes traditional banks, credit unions, mortgage REITs, and private lenders. VRTB's focus on loans secured by real estate, alongside direct investments in real property and real estate management companies, positions it as a diversified player within this niche. The industry is highly sensitive to interest rate fluctuations, real estate market cycles, and regulatory changes. Companies in this space must effectively manage credit risk, liquidity, and capital requirements. VRTB's specific product offerings, such as commercial, construction, and land loans, cater to specialized segments of the real estate market, differentiating it from more generalized residential mortgage providers. Its small employee base of 25 suggests a focused operational model, potentially targeting specific market segments or deal sizes.
Who Are VRTB's Key Customers?
- Commercial real estate developers and investors seeking financing for projects.
- Construction companies requiring capital for new builds or renovations.
- Individuals or entities needing residential real estate loans.
- Land developers requiring financing for acquisition and development.
- Property owners seeking to sell their real estate assets to VRTB.
Company Profile
Vestin Realty Mortgage II, Inc. operates in the Financial - Mortgages industry within the Financial Services sector. It is headquartered in Las Vegas, US. The company is led by CEO Michael V. Shustek. VRTB has traded publicly since 2017.
How Vestin Realty Mortgage II, Inc. Is Valued
Vestin Realty Mortgage II, Inc. carries a market capitalization of $7.26M, placing it in the micro-cap category. Relative to its peer group, VRTB's quantitative score of 66/100 is roughly in line with the peer average of 67/100.
F-Score 3/9Financial Health
Vestin Realty Mortgage II, Inc.'s Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of -0.19 places it in the distress zone, a signal of elevated financial risk.
VRTB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Diversified investment strategy across real estate loans, direct property, and management companies.
- Established presence in the U.S. real estate market since 2001.
- Broad range of real estate loan products, including commercial, construction, and residential.
- High gross margin (100.0%) indicates efficient revenue generation from core activities.
Bear Case
- Significant negative profit margin (-527.3%) indicates substantial unprofitability or high operating costs.
- Small market capitalization ($0.01B) may limit access to capital and market liquidity.
- Reliance on real estate market conditions, which are cyclical and subject to economic downturns.
- Limited employee base (25 employees) may constrain capacity for large-scale operations or rapid expansion.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
VRTB Latest News
No recent news available for VRTB.
VRTB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for VRTB.
Price Targets
Wall Street price target analysis for VRTB.
VRTB MoonshotScore
What does this score mean?
The MoonshotScore rates VRTB's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Michael V. Shustek
Managing Director
Michael V. Shustek serves as the Managing Director of Vestin Realty Mortgage II, Inc., overseeing a team of 25 employees. His leadership is central to the company's strategic direction and operational execution in the specialized field of real estate-secured lending and property investments. While specific details regarding his educational background and prior career roles are not provided in the source data, his position at the helm of a financial services company focused on real estate suggests a background in finance, real estate, or related investment management sectors.
Track Record: Under Michael V. Shustek's leadership, Vestin Realty Mortgage II, Inc. has maintained its operational focus on real estate-secured loans and diversified investments in real property and real estate management entities. His tenure has seen the company continue its business model across three distinct segments, offering a range of loan products as detailed up to March 31, 2016. The company's evolution from Vestin Fund II, LLC, to its current structure reflects strategic decisions made during his oversight.
VRTB OTC Market Information
Vestin Realty Mortgage II, Inc. trades on the OTC (Over-the-Counter) market, specifically classified as 'OTC Other.' This tier is for companies that do not meet the disclosure requirements for OTCQX or OTCQB, or that choose not to provide financial information to OTC Markets Group. Unlike companies listed on major exchanges like NYSE or NASDAQ, which have stringent listing standards regarding financial reporting, corporate governance, and minimum share prices, companies in the 'OTC Other' tier face fewer regulatory hurdles. This often results in less publicly available information and potentially higher investment risk due to reduced transparency compared to higher OTC tiers or exchange-listed securities.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited Public Information: The 'Unknown' disclosure status means there is a lack of comprehensive and timely financial and operational data, making informed investment decisions difficult.
- Low Liquidity: Trading on the 'OTC Other' tier often results in thin trading volumes and wide bid-ask spreads, making it challenging to buy or sell shares efficiently.
- Price Volatility: Shares on OTC markets, especially those with low liquidity and disclosure, can be highly volatile due to small trading volumes and limited market depth.
- Regulatory Oversight: OTC-traded securities are subject to less stringent regulatory oversight compared to exchange-listed stocks, increasing the risk of fraud or manipulation.
- Exit Strategy Challenges: The illiquidity and limited investor interest in 'OTC Other' stocks can make it difficult for investors to exit their positions at a fair price.
- Verify the most recent financial statements and disclosures directly from the company or regulatory filings, if available.
- Research any news, press releases, or corporate actions beyond the provided data, especially given the 2016 data cutoff.
- Assess the company's current operational status and any significant changes since the last reported information.
- Investigate the background and track record of management beyond what is publicly stated, if possible.
- Understand the current competitive landscape and market conditions for real estate lending and investments in the U.S.
- Evaluate the company's capital structure, debt obligations, and any potential dilution risks.
- Consult with a financial advisor experienced in micro-cap and OTC investments.
- Founded in 2001, indicating a long operational history, albeit with limited recent public data.
- Headquartered in Las Vegas, Nevada, suggesting a physical presence and established base.
- Clear business description detailing specific segments and loan products, indicating a defined operational focus.
- Identified CEO, Michael V. Shustek, provides a named individual responsible for leadership.
- Engages in tangible assets (real estate loans, real property) as its core business, rather than purely speculative ventures.
VRTB Financial Services Stock FAQ
What does Vestin Realty Mortgage II, Inc. do?
Vestin Realty Mortgage II, Inc. (VRTB) is a financial services company that primarily invests in loans secured by real estate across the United States. The company's operations are structured into three main segments: Investments in Real Estate Loans, Investments in Real Property, and Investment in a Real Estate Management Company. As of March 31, 2016, its real estate loan products included commercial, construction, acquisition and development, land, and residential loans. Beyond lending, VRTB also acquires, manages, and sells real property directly, and strategically invests in entities involved in real property ownership or management. This diversified approach positions VRTB as a player in both real estate debt and equity markets within the U.S.
How does Vestin Realty Mortgage II, Inc. structure its investment activities?
Vestin Realty Mortgage II, Inc. structures its investment activities through three distinct operational segments to achieve its objectives in the U.S. real estate market. The first segment, 'Investments in Real Estate Loans,' focuses on originating and managing a portfolio of loans secured by various types of real estate, encompassing commercial, construction, acquisition and development, land, and residential loan products. The second segment, 'Investments in Real Property,' involves the direct acquisition, management, and disposition of real estate assets, allowing the company to capitalize on property value appreciation and rental income. The third segment, 'Investment in a Real Estate Management Company,' involves acquiring or investing in entities that specialize in the ownership or management of real property, which can enhance operational control and potentially generate fee-based income. This multi-pronged strategy aims to provide diversified exposure to the real estate sector.
What are the financial characteristics of Vestin Realty Mortgage II, Inc.?
Vestin Realty Mortgage II, Inc. (VRTB) exhibits several notable financial characteristics. The company has a market capitalization of $7.26M, classifying it as a micro-cap stock. Its gross margin stands at 100.0%, which is typical for financial services firms where revenue is largely interest income with minimal direct cost of goods sold. However, the company reports a substantial negative profit margin of -527.3%, indicating significant unprofitability from its overall operations. The Beta for VRTB is -0.02, suggesting a very low or inverse correlation to the broader market, which is an unusual and distinct characteristic. Furthermore, the company does not currently pay a dividend, implying that any earnings are either retained for operations or that the company is not generating sufficient distributable profits.
What are the key factors to evaluate for VRTB?
Vestin Realty Mortgage II, Inc. (VRTB) holds an AI score of 66/100 (moderate). Not financial advice.
How frequently does VRTB data refresh on this page?
VRTB prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven VRTB's recent stock price performance?
Vestin Realty Mortgage II, Inc. (VRTB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified investment strategy across real estate loans, direct property, and management companies. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider VRTB overvalued or undervalued right now?
Valuing Vestin Realty Mortgage II, Inc. (VRTB) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying VRTB?
Before investing in Vestin Realty Mortgage II, Inc. (VRTB), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- The primary limitation is the age of the detailed business description data (March 31, 2016) and the lack of more recent financial or operational updates in the provided source material.
- Growth opportunities, catalysts, and risks are inferred from the stated business model and general industry context, as specific forward-looking statements or detailed plans are not available.
- The 'Unknown' disclosure status for OTC trading significantly limits the ability to provide current, comprehensive financial analysis.