VersaBank Statistics

Total Valuation

VersaBank has a market cap or net worth of $344.81 million.

Market Cap	344.81M
Enterprise Value	n/a

Important Dates

The last earnings date was Monday, December 9, 2024, before market open.

Earnings Date	Dec 9, 2024
Ex-Dividend Date	Oct 4, 2024

Share Statistics

VersaBank has 26.00 million shares outstanding. The number of shares has decreased by -1.17% in one year.

Current Share Class	26.00M
Shares Outstanding	26.00M
Shares Change (YoY)	-1.17%
Shares Change (QoQ)	+1.47%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	14.01M

Valuation Ratios

The trailing PE ratio is 12.60 and the forward PE ratio is 9.10.

PE Ratio	12.60
Forward PE	9.10
PS Ratio	n/a
Forward PS	2.75
PB Ratio	n/a
P/TBV Ratio	1.28
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

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	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.24%.

Return on Equity (ROE)	10.24%
Return on Assets (ROA)	0.88%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$674,808
Profits Per Employee	$233,738
Employee Count	119
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, VersaBank has paid $10.80 million in taxes.

Income Tax	10.80M
Effective Tax Rate	27.46%

Stock Price Statistics

The stock price has increased by +28.90% in the last 52 weeks. The beta is 1.06, so VersaBank's price volatility has been similar to the market average.

Beta (5Y)	1.06
52-Week Price Change	+28.90%
50-Day Moving Average	15.78
200-Day Moving Average	12.41
Relative Strength Index (RSI)	32.52
Average Volume (20 Days)	199,482

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 $80.30 million and earned $27.81 million in profits. Earnings per share was $1.07.

Revenue	80.30M
Gross Profit	80.30M
Operating Income	39.32M
Pretax Income	46.56M
Net Income	27.81M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.07

Full Income Statement

Balance Sheet

The company has $161.66 million in cash and $75.74 million in debt, giving a net cash position of $85.92 million or $3.30 per share.

Cash & Cash Equivalents	161.66M
Total Debt	75.74M
Net Cash	85.92M
Net Cash Per Share	$3.30
Equity (Book Value)	286.48M
Book Value Per Share	11.02
Working Capital	-2.91B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was -$179.82 million and capital expenditures -$13.33 million, giving a free cash flow of -$186.81 million.

Operating Cash Flow	-179.82M
Capital Expenditures	-13.33M
Free Cash Flow	-186.81M
FCF Per Share	-$7.18

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	48.97%
Pretax Margin	48.97%
Profit Margin	35.52%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.07, which amounts to a dividend yield of 0.55%.

Dividend Per Share	$0.07
Dividend Yield	0.55%
Dividend Growth (YoY)	-0.26%
Years of Dividend Growth	n/a
Payout Ratio	6.91%
Buyback Yield	1.17%
Shareholder Yield	1.72%
Earnings Yield	8.07%
FCF Yield	-54.18%

Dividend Details

Analyst Forecast

The average price target for VersaBank is $19.00, which is 41.05% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$19.00
Price Target Difference	41.05%
Analyst Consensus	Strong Buy
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

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