VersaBank Statistics
Total Valuation
VersaBank has a market cap or net worth of $520.47 million.
| Market Cap | 520.47M |
| Enterprise Value | n/a |
Important Dates
The next estimated earnings date is Wednesday, March 4, 2026, before market open.
| Earnings Date | Mar 4, 2026 |
| Ex-Dividend Date | Jan 9, 2026 |
Share Statistics
VersaBank has 31.95 million shares outstanding. The number of shares has increased by 21.34% in one year.
| Current Share Class | 31.95M |
| Shares Outstanding | 31.95M |
| Shares Change (YoY) | +21.34% |
| Shares Change (QoQ) | +0.48% |
| Owned by Insiders (%) | 11.16% |
| Owned by Institutions (%) | 35.27% |
| Float | 27.38M |
Valuation Ratios
The trailing PE ratio is 25.63 and the forward PE ratio is 11.77.
| PE Ratio | 25.63 |
| Forward PE | 11.77 |
| PS Ratio | 6.07 |
| Forward PS | 3.16 |
| PB Ratio | 1.37 |
| P/TBV Ratio | 1.43 |
| 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 | n/a |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 6.11%.
| Return on Equity (ROE) | 6.11% |
| Return on Assets (ROA) | 0.53% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 8.29% |
| Revenue Per Employee | $654,905 |
| Profits Per Employee | $155,016 |
| Employee Count | 131 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, VersaBank has paid $9.30 million in taxes.
| Income Tax | 9.30M |
| Effective Tax Rate | 31.41% |
Stock Price Statistics
The stock price has increased by +18.65% in the last 52 weeks. The beta is 0.95, so VersaBank's price volatility has been similar to the market average.
| Beta (5Y) | 0.95 |
| 52-Week Price Change | +18.65% |
| 50-Day Moving Average | 15.06 |
| 200-Day Moving Average | 12.45 |
| Relative Strength Index (RSI) | 58.34 |
| Average Volume (20 Days) | 42,277 |
Short Selling Information
The latest short interest is 177,949, so 0.56% of the outstanding shares have been sold short.
| Short Interest | 177,949 |
| Short Previous Month | 163,703 |
| Short % of Shares Out | 0.56% |
| Short % of Float | 0.65% |
| Short Ratio (days to cover) | 3.88 |
Income Statement
In the last 12 months, VersaBank had revenue of $85.79 million and earned $20.31 million in profits. Earnings per share was $0.64.
| Revenue | 85.79M |
| Gross Profit | 85.79M |
| Operating Income | 29.61M |
| Pretax Income | 29.61M |
| Net Income | 20.31M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $0.64 |
Balance Sheet
The company has $415.10 million in cash and $76.07 million in debt, with a net cash position of $339.03 million or $10.61 per share.
| Cash & Cash Equivalents | 415.10M |
| Total Debt | 76.07M |
| Net Cash | 339.03M |
| Net Cash Per Share | $10.61 |
| Equity (Book Value) | 380.11M |
| Book Value Per Share | 11.90 |
| Working Capital | -3.24B |
Cash Flow
In the last 12 months, operating cash flow was -$484.80 million and capital expenditures -$680,758, giving a free cash flow of -$499.65 million.
| Operating Cash Flow | -484.80M |
| Capital Expenditures | -680,758 |
| Free Cash Flow | -499.65M |
| FCF Per Share | -$15.64 |
Margins
| Gross Margin | n/a |
| Operating Margin | 34.51% |
| Pretax Margin | 34.51% |
| Profit Margin | 23.67% |
| 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 0.45%.
| Dividend Per Share | $0.07 |
| Dividend Yield | 0.45% |
| Dividend Growth (YoY) | 1.40% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 11.29% |
| Buyback Yield | -21.34% |
| Shareholder Yield | -20.89% |
| Earnings Yield | 3.90% |
| FCF Yield | -96.00% |
Analyst Forecast
The average price target for VersaBank is $13.00, which is -19.55% lower than the current price. The consensus rating is "Buy".
| Price Target | $13.00 |
| Price Target Difference | -19.55% |
| Analyst Consensus | Buy |
| Analyst Count | 2 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
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 |