VersaBank Statistics
Total Valuation
VersaBank has a market cap or net worth of $277.30 million. The enterprise value is $205.84 million.
| Market Cap | 277.30M |
| Enterprise Value | 205.84M |
Important Dates
The last earnings date was Wednesday, June 5, 2024, before market open.
| Earnings Date | Jun 5, 2024 |
| Ex-Dividend Date | Jul 5, 2024 |
Share Statistics
VersaBank has 25.96 million shares outstanding. The number of shares has decreased by -1.74% in one year.
| Shares Outstanding | 25.96M |
| Shares Change (YoY) | -1.74% |
| Shares Change (QoQ) | n/a |
| Owned by Insiders (%) | 45.20% |
| Owned by Institutions (%) | 22.57% |
| Float | 13.98M |
Valuation Ratios
The trailing PE ratio is 8.20 and the forward PE ratio is 5.19.
| PE Ratio | 8.20 |
| Forward PE | 5.19 |
| PS Ratio | 3.38 |
| Forward PS | 2.26 |
| PB Ratio | 0.95 |
| P/FCF Ratio | n/a |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 6.04 |
| EV / Sales | 2.51 |
| EV / EBITDA | 4.26 |
| EV / EBIT | 4.40 |
| EV / FCF | n/a |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.25 |
| Debt / EBITDA | 1.53 |
| Debt / FCF | n/a |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.30% and return on invested capital (ROIC) is 9.47%.
| Return on Equity (ROE) | 12.30% |
| Return on Assets (ROA) | 1.10% |
| Return on Capital (ROIC) | 9.47% |
| Revenue Per Employee | $690,440 |
| Profits Per Employee | $286,256 |
| Employee Count | 119 |
| Asset Turnover | 0.03 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, VersaBank has paid $12.41 million in taxes.
| Income Tax | 12.41M |
| Effective Tax Rate | 26.71% |
Stock Price Statistics
The stock price has increased by +40.71% in the last 52 weeks. The beta is 1.07, so VersaBank's price volatility has been similar to the market average.
| Beta (5Y) | 1.07 |
| 52-Week Price Change | +40.71% |
| 50-Day Moving Average | 10.08 |
| 200-Day Moving Average | 9.68 |
| Relative Strength Index (RSI) | 55.13 |
| Average Volume (20 Days) | 19,409 |
Short Selling Information
The latest short interest is 38,897, so 0.15% of the outstanding shares have been sold short.
| Short Interest | 38,897 |
| Short Previous Month | 21,621 |
| Short % of Shares Out | 0.15% |
| Short % of Float | 0.28% |
| Short Ratio (days to cover) | 2.53 |
Income Statement
In the last 12 months, VersaBank had revenue of $82.16 million and earned $34.06 million in profits. Earnings per share was $1.30.
| Revenue | 82.16M |
| Gross Profit | 82.93M |
| Operating Income | 47.24M |
| Pretax Income | 46.80M |
| Net Income | 34.06M |
| EBITDA | 48.31M |
| EBIT | 46.80M |
| Earnings Per Share (EPS) | $1.30 |
Balance Sheet
The company has $145.42 million in cash and $73.95 million in debt, giving a net cash position of $71.46 million or $2.75 per share.
| Cash & Cash Equivalents | 145.42M |
| Total Debt | 73.95M |
| Net Cash | 71.46M |
| Net Cash Per Share | $2.75 |
| Equity (Book Value) | 292.65M |
| Book Value Per Share | 11.27 |
| Working Capital | n/a |
Cash Flow
In the last 12 months, operating cash flow was -$20.59 million and capital expenditures -$11.98 million, giving a free cash flow of -$32.57 million.
| Operating Cash Flow | -20.59M |
| Capital Expenditures | -11.98M |
| Free Cash Flow | -32.57M |
| FCF Per Share | -$1.25 |
Margins
Gross margin is 100.94%, with operating and profit margins of 57.50% and 41.46%.
| Gross Margin | 100.94% |
| Operating Margin | 57.50% |
| Pretax Margin | 56.96% |
| Profit Margin | 41.46% |
| EBITDA Margin | 58.80% |
| EBIT Margin | 56.96% |
| FCF Margin | -39.64% |
Dividends & Yields
This stock pays an annual dividend of $0.07, which amounts to a dividend yield of 0.69%.
| Dividend Per Share | $0.07 |
| Dividend Yield | 0.69% |
| Dividend Growth (YoY) | -0.27% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 5.65% |
| Buyback Yield | 1.74% |
| Shareholder Yield | 2.42% |
| Earnings Yield | 12.28% |
| FCF Yield | -11.74% |
Analyst Forecast
The average price target for VersaBank is $10.00, which is -6.37% lower than the current price. The consensus rating is "Buy".
| Price Target | $10.00 |
| Price Target Difference | -6.37% |
| Analyst Consensus | Buy |
| Analyst Count | 1 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
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 | 4 |