VersaBank Statistics
Total Valuation
VersaBank has a market cap or net worth of $365.33 million.
Important Dates
The last earnings date was Wednesday, June 4, 2025, before market open.
| Earnings Date | Jun 4, 2025 |
| Ex-Dividend Date | Apr 4, 2025 |
Share Statistics
VersaBank has 32.52 million shares outstanding. The number of shares has increased by 9.29% in one year.
| Current Share Class | 32.52M |
| Shares Outstanding | 32.52M |
| Shares Change (YoY) | +9.29% |
| Shares Change (QoQ) | +11.90% |
| Owned by Insiders (%) | n/a |
| Owned by Institutions (%) | n/a |
| Float | 20.61M |
Valuation Ratios
The trailing PE ratio is 16.08 and the forward PE ratio is 10.10.
| PE Ratio | 16.08 |
| Forward PE | 10.10 |
| PS Ratio | 4.57 |
| Forward PS | 2.10 |
| PB Ratio | 0.96 |
| P/TBV Ratio | 1.00 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise 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 6.87%.
| Return on Equity (ROE) | 6.87% |
| Return on Assets (ROA) | 0.68% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $660,830 |
| Profits Per Employee | $187,793 |
| Employee Count | 121 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, VersaBank has paid $9.03 million in taxes.
| Income Tax | 9.03M |
| Effective Tax Rate | 28.13% |
Stock Price Statistics
The stock price has increased by +5.61% in the last 52 weeks. The beta is 1.19, so VersaBank's price volatility has been higher than the market average.
| Beta (5Y) | 1.19 |
| 52-Week Price Change | +5.61% |
| 50-Day Moving Average | 11.03 |
| 200-Day Moving Average | 12.99 |
| Relative Strength Index (RSI) | 52.44 |
| Average Volume (20 Days) | 79,290 |
Short Selling Information
The latest short interest is 98,951, so 0.30% of the outstanding shares have been sold short.
| Short Interest | 98,951 |
| Short Previous Month | 101,443 |
| Short % of Shares Out | 0.30% |
| Short % of Float | 0.48% |
| Short Ratio (days to cover) | 3.48 |
Income Statement
In the last 12 months, VersaBank had revenue of $79.96 million and earned $22.72 million in profits. Earnings per share was $0.79.
| Revenue | 79.96M |
| Gross Profit | 79.96M |
| Operating Income | 32.11M |
| Pretax Income | 46.56M |
| Net Income | 22.72M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $0.79 |
Full Income StatementBalance Sheet
The company has $246.33 million in cash and $76.20 million in debt, giving a net cash position of $170.13 million or $5.23 per share.
| Cash & Cash Equivalents | 246.33M |
| Total Debt | 76.20M |
| Net Cash | 170.13M |
| Net Cash Per Share | $5.23 |
| Equity (Book Value) | 382.33M |
| Book Value Per Share | 11.76 |
| Working Capital | -2.91B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was -$276.76 million and capital expenditures -$2.13 million, giving a free cash flow of -$280.63 million.
| Operating Cash Flow | -276.76M |
| Capital Expenditures | -2.13M |
| Free Cash Flow | -280.63M |
| FCF Per Share | -$8.63 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 40.16% |
| Pretax Margin | 40.16% |
| Profit Margin | 28.86% |
| 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 0.63%.
| Dividend Per Share | $0.07 |
| Dividend Yield | 0.63% |
| Dividend Growth (YoY) | -3.41% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 8.98% |
| Buyback Yield | -9.29% |
| Shareholder Yield | -8.66% |
| Earnings Yield | 6.22% |
| FCF Yield | -76.82% |
Dividend DetailsAnalyst Forecast
The average price target for VersaBank is $17.50, which is 55.00% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $17.50 |
| Price Target Difference | 55.00% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 4 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair 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 |