VersaBank (TSX:VBNK)

VersaBank Statistics

Total Valuation

VersaBank has a market cap or net worth of CAD 654.56 million.

Market Cap	654.56M
Enterprise Value	n/a

Important Dates

The last earnings date was Wednesday, December 10, 2025.

Earnings Date	Dec 10, 2025
Ex-Dividend Date	Jan 9, 2026

Share Statistics

VersaBank has 31.95 million shares outstanding. The number of shares has increased by 21.34% in one year.

Current Share Class	31.95M
Shares Outstanding	31.95M
Shares Change (YoY)	+21.34%
Shares Change (QoQ)	+0.48%
Owned by Insiders (%)	11.15%
Owned by Institutions (%)	34.14%
Float	27.36M

Valuation Ratios

The trailing PE ratio is 22.77 and the forward PE ratio is 12.03.

PE Ratio	22.77
Forward PE	12.03
PS Ratio	5.44
PB Ratio	1.23
P/TBV Ratio	1.28
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-0.16
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.11%.

Return on Equity (ROE)	6.11%
Return on Assets (ROA)	0.53%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	917,771
Profits Per Employee	217,237
Employee Count	131
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, VersaBank has paid 13.04 million in taxes.

Income Tax	13.04M
Effective Tax Rate	31.41%

Stock Price Statistics

The stock price has increased by +6.31% in the last 52 weeks. The beta is 1.09, so VersaBank's price volatility has been similar to the market average.

Beta (5Y)	1.09
52-Week Price Change	+6.31%
50-Day Moving Average	17.39
200-Day Moving Average	15.99
Relative Strength Index (RSI)	73.81
Average Volume (20 Days)	26,766

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, VersaBank had revenue of CAD 120.23 million and earned 28.46 million in profits. Earnings per share was 0.90.

Revenue	120.23M
Gross Profit	120.23M
Operating Income	41.49M
Pretax Income	41.49M
Net Income	28.46M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.90

Balance Sheet

The company has 581.71 million in cash and 106.60 million in debt, giving a net cash position of 475.11 million or 14.87 per share.

Cash & Cash Equivalents	581.71M
Total Debt	106.60M
Net Cash	475.11M
Net Cash Per Share	14.87
Equity (Book Value)	532.67M
Book Value Per Share	16.67
Working Capital	-4.53B

Cash Flow

In the last 12 months, operating cash flow was -679.39 million and capital expenditures -954,000, giving a free cash flow of -680.35 million.

Operating Cash Flow	-679.39M
Capital Expenditures	-954,000
Free Cash Flow	-680.35M
FCF Per Share	-21.30

Margins

Gross Margin	n/a
Operating Margin	34.51%
Pretax Margin	34.51%
Profit Margin	23.67%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.10, which amounts to a dividend yield of 0.49%.

Dividend Per Share	0.10
Dividend Yield	0.49%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	11.37%
Buyback Yield	-21.34%
Shareholder Yield	-20.85%
Earnings Yield	4.35%
FCF Yield	-103.94%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	2