VersaBank (TSX:VBNK)

VersaBank Statistics

Total Valuation

VersaBank has a market cap or net worth of CAD 749.50 million.

Market Cap	749.50M
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Wednesday, June 3, 2026.

Earnings Date	Jun 3, 2026
Ex-Dividend Date	Apr 10, 2026

Share Statistics

VersaBank has 32.17 million shares outstanding. The number of shares has increased by 20.55% in one year.

Current Share Class	32.17M
Shares Outstanding	32.17M
Shares Change (YoY)	+20.55%
Shares Change (QoQ)	-1.71%
Owned by Insiders (%)	11.00%
Owned by Institutions (%)	37.10%
Float	20.10M

Valuation Ratios

The trailing PE ratio is 23.93 and the forward PE ratio is 12.24.

PE Ratio	23.93
Forward PE	12.24
PS Ratio	5.80
PB Ratio	1.38
P/TBV Ratio	1.44
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	-0.11
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 5.90%.

Return on Equity (ROE)	5.90%
Return on Assets (ROA)	0.56%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	9.06%
Revenue Per Employee	986,557
Profits Per Employee	239,573
Employee Count	131
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, VersaBank has paid 14.27 million in taxes.

Income Tax	14.27M
Effective Tax Rate	31.26%

Stock Price Statistics

The stock price has increased by +47.00% in the last 52 weeks. The beta is 1.11, so VersaBank's price volatility has been higher than the market average.

Beta (5Y)	1.11
52-Week Price Change	+47.00%
50-Day Moving Average	21.98
200-Day Moving Average	19.24
Relative Strength Index (RSI)	46.11
Average Volume (20 Days)	28,113

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 129.24 million and earned 31.38 million in profits. Earnings per share was 0.97.

Revenue	129.24M
Gross Profit	129.24M
Operating Income	45.66M
Pretax Income	45.66M
Net Income	31.38M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.97

Balance Sheet

The company has 628.00 million in cash and 105.22 million in debt, with a net cash position of 522.79 million or 16.25 per share.

Cash & Cash Equivalents	628.00M
Total Debt	105.22M
Net Cash	522.79M
Net Cash Per Share	16.25
Equity (Book Value)	543.08M
Book Value Per Share	16.93
Working Capital	-4.81B

Cash Flow

In the last 12 months, operating cash flow was -927.71 million and capital expenditures 328,000, giving a free cash flow of -927.38 million.

Operating Cash Flow	-927.71M
Capital Expenditures	328,000
Depreciation & Amortization	n/a
Net Borrowing	-388,000
Free Cash Flow	-927.38M
FCF Per Share	-28.83

Margins

Gross Margin	n/a
Operating Margin	35.33%
Pretax Margin	35.33%
Profit Margin	24.28%
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 0.43%.

Dividend Per Share	0.10
Dividend Yield	0.43%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	10.26%
Buyback Yield	-20.55%
Shareholder Yield	-20.12%
Earnings Yield	4.19%
FCF Yield	-123.73%

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