VersaBank (NASDAQ: VBNK) is a Financial Services company in the Banks - Regional industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | 28.20 | EPS (ttm) | 0.68 | Insider Own | - | Shs Outstand | 32.20M | Perf Week | -1.29% |
| Market Cap | 612.46M | Forward P/E | 10.21 | EPS next Y | 1.87 | Insider Trans | - | Shs Float | 20.65M | Perf Month | -13.19% |
| Enterprise Value | 279.62M | PEG | - | EPS next Q | 0.18 | Inst Own | - | Short Float | 1.09% | Perf Quarter | 2.30% |
| Income | 21.86M | P/S | 2.62 | EPS this Y | 85.85% | Inst Trans | - | Short Ratio | 2.28 | Perf Half Y | 19.24% |
| Sales | 233.39M | P/B | 1.54 | EPS next Y | 47.92% | ROA | 0.47% | Short Interest | 225.21K | Perf YTD | 27.44% |
| Book/sh | - | P/C | 3.31 | EPS next 5Y | 47.92% | ROE | 5.64% | 52W High | 24.97 -23.79% | Perf Year | 72.29% |
| Cash/sh | - | P/FCF | 3.39 | EPS past 3/5Y | 1.58% 1.08% | ROIC | 3.31% | 52W Low | 10.07 89.01% | Perf 3Y | 129.17% |
| Dividend Est. | 0.07 (0.37%) | EV/EBITDA | 8.15 | Sales past 3/5Y | -5.84% 6.09% | Gross Margin | 42.38% | Volatility | 2.58% 3.27% | Perf 5Y | - |
| Dividend TTM | 0.07 (0.38%) | EV/Sales | 1.20 | EPS Y/Y TTM | -37.90% | Oper. Margin | 13.62% | ATR (14) | 0.74 | Perf 10Y | - |
| Dividend Ex-Date | Jul 10, 2026 | Quick Ratio | 0.11 | Sales Y/Y TTM | 187.80% | Profit Margin | 9.34% | RSI (14) | 37.82 | Recom | 2.00 |
| Dividend Gr. 3/5Y | -2.55% -6.57% | Current Ratio | 0.11 | EPS Q/Q | 61.17% | SMA20 | -5.13% | Beta | 0.73 | Target Price | 25.00 |
| Payout | 10.57% | Debt/Eq | 0.19 | Sales Q/Q | 21.57% | SMA50 | -4.92% | Rel Volume | 0.61 | Prev Close | 19.09 |
| Employees | 131 | LT Debt/Eq | 0.21 | Earnings | Sep 03 | SMA200 | 17.53% | Avg Volume | 104.74K | Price | 19.03 |
| IPO Date | Aug 27, 2021 | Option/Short | Yes / Yes | EPS/Sales Surpr. | -19.63% 5.84% | Net Debt/EBITDA | -9.70 | Volume | 64,122 | Change | -0.31% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Jun-30-26 | Upgrade | Roth Capital | Neutral → Buy | $20 → $25 |
| Jun-08-26 | Reiterated | Roth Capital | Neutral | $14 → $20 |
| Dec-11-25 | Reiterated | Roth Capital | Neutral | $10 → $13 |
| Mar-06-25 | Reiterated | Roth Capital | $18 → $10 | |
| Sep-27-24 | Initiated | Roth MKM | Buy | $18 |
| Dec-19-22 | Reiterated | Raymond James | Buy | $13 → $9.00 |
| May-13-22 | Reiterated | Raymond James | Buy | $13 |
| Dec-31-21 | Downgrade | Raymond James | Strong Buy → Buy | |
| Oct-26-21 | Downgrade | Raymond James | Strong Buy → Buy |
VersaBank, a federally regulated financial institution (Schedule I chartered bank) operating across Canada, delivers a diverse array of banking and lending solutions. Clients can choose from various deposit products, including Guaranteed Investment Certificates (GICs), Registered Retirement Savings Plans (RRSPs), Daily Interest Savings Accounts (DISAs), and Tax-Free Savings Accounts (TFSAs), all complemented by deposit protection. The bank also provides comprehensive lending services. This includes point-of-sale financing, where it acquires loan and lease receivables from other finance companies across numerous industries. Additionally, its commercial banking division supports sectors such as commercial real estate, public sector and infrastructure projects, condominium financing, and residential mortgages. Established in 1979, the institution was initially known as Pacific & Western Bank of Canada before adopting its current name, VersaBank, in May 2016. The company maintains its headquarters in London, Canada.
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| Line Item (USD, M) | TTM — | FY 2025 10/31/2025 | FY 2024 10/31/2024 | FY 2023 10/31/2023 | FY 2022 10/31/2022 | FY 2021 10/31/2021 | FY 2020 10/31/2020 | FY 2019 10/31/2019 | FY 2018 10/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 236 | 86 | 82 | — | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 136 | 0 | 0 | — | — | — | — | — | — | |
| Gross Profit | 100 | 86 | 82 | — | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 50 | 56 | 38 | — | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | — | — | — | — | — | — | |
| Other Operating Expense | 18 | 0 | 4 | — | — | — | — | — | — | |
| Operating Income | 32 | 30 | 40 | — | — | — | — | — | — | |
| Interest Expense | 133 | 128 | 134 | — | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 133 | 128 | 134 | — | — | — | — | — | — | |
| Net Income Before Taxes | 32 | 30 | 40 | — | — | — | — | — | — | |
| Income Taxes | 10 | 9 | 11 | — | — | — | — | — | — | |
| Consolidated Net Income | 22 | 20 | 29 | — | — | — | — | — | — | |
| Net Income From Continuing Operations | 22 | 20 | 29 | — | — | — | — | — | — | |
| Net Income | 22 | 20 | 29 | — | — | — | — | — | — | |
| EPS (Recurring) | 0.68 | 0.64 | 1.09 | — | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 0.68 | 0.64 | 1.09 | — | — | — | — | — | — | |
| EPS (Diluted) | 0.68 | 0.64 | 1.09 | — | — | — | — | — | — | |
| EBITDA | 35 | 32 | 42 | — | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 27.99 | 18.47 | 13.70 | — | — | — | — | — | — | |
| Price To Sales Ratio | 1.94 | 4.42 | 4.94 | — | — | — | — | — | — | |
| Gross Margin | 42.37 | 100.00 | 100.00 | — | — | — | — | — | — | |
| Operating Margin | 13.56 | 34.88 | 48.78 | — | — | — | — | — | — | |
| Net Margin | 9.32 | 23.26 | 35.37 | — | — | — | — | — | — | |
| Shares Outstanding | 24 | 32 | 27 | — | — | — | — | — | — | |
| Market Capitalization | 457 | 380 | 405 | — | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |