VersaBank (TSX:VBNK)

VersaBank Statistics

Total Valuation

VersaBank has a market cap or net worth of CAD 529.16 million.

Market Cap	529.16M
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Wednesday, December 10, 2025.

Earnings Date	Dec 10, 2025
Ex-Dividend Date	Oct 10, 2025

Share Statistics

VersaBank has 32.17 million shares outstanding. The number of shares has increased by 15.46% in one year.

Current Share Class	32.17M
Shares Outstanding	32.17M
Shares Change (YoY)	+15.46%
Shares Change (QoQ)	-0.46%
Owned by Insiders (%)	11.13%
Owned by Institutions (%)	34.08%
Float	27.57M

Valuation Ratios

The trailing PE ratio is 17.33 and the forward PE ratio is 10.26.

PE Ratio	17.33
Forward PE	10.26
PS Ratio	4.65
PB Ratio	1.00
P/TBV Ratio	1.05
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	-0.18
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.14%.

Return on Equity (ROE)	6.14%
Return on Assets (ROA)	0.58%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	941,289
Profits Per Employee	235,727
Employee Count	121
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, VersaBank has paid 10.90 million in taxes.

Income Tax	10.90M
Effective Tax Rate	27.47%

Stock Price Statistics

The stock price has decreased by -25.73% in the last 52 weeks. The beta is 1.12, so VersaBank's price volatility has been higher than the market average.

Beta (5Y)	1.12
52-Week Price Change	-25.73%
50-Day Moving Average	16.81
200-Day Moving Average	16.11
Relative Strength Index (RSI)	44.42
Average Volume (20 Days)	25,800

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 113.90 million and earned 28.52 million in profits. Earnings per share was 0.95.

Revenue	113.90M
Gross Profit	113.90M
Operating Income	39.67M
Pretax Income	39.67M
Net Income	28.52M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.95

Balance Sheet

The company has 460.31 million in cash and 105.44 million in debt, giving a net cash position of 354.88 million or 11.03 per share.

Cash & Cash Equivalents	460.31M
Total Debt	105.44M
Net Cash	354.88M
Net Cash Per Share	11.03
Equity (Book Value)	528.14M
Book Value Per Share	16.42
Working Capital	-4.33B

Cash Flow

In the last 12 months, operating cash flow was -585.68 million and capital expenditures -561,000, giving a free cash flow of -586.24 million.

Operating Cash Flow	-585.68M
Capital Expenditures	-561,000
Free Cash Flow	-586.24M
FCF Per Share	-18.22

Margins

Gross Margin	n/a
Operating Margin	34.83%
Pretax Margin	34.83%
Profit Margin	25.26%
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 0.61%.

Dividend Per Share	0.10
Dividend Yield	0.61%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	10.53%
Buyback Yield	-15.46%
Shareholder Yield	-14.85%
Earnings Yield	5.39%
FCF Yield	-110.79%

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