VersaBank (VBNK)

VersaBank Statistics

Total Valuation

VersaBank has a market cap or net worth of $477.24 million.

Market Cap	477.24M
Enterprise Value	n/a

Important Dates

The last earnings date was Wednesday, December 10, 2025, before market open.

Earnings Date	Dec 10, 2025
Ex-Dividend Date	Oct 10, 2025

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 (%)	11.15%
Owned by Institutions (%)	34.14%
Float	27.36M

Valuation Ratios

The trailing PE ratio is 23.49 and the forward PE ratio is 12.24.

PE Ratio	23.49
Forward PE	12.24
PS Ratio	5.56
Forward PS	2.90
PB Ratio	1.26
P/TBV Ratio	1.31
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
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 +11.08% in the last 52 weeks. The beta is 1.09, so VersaBank's price volatility has been similar to the market average.

Beta (5Y)	1.09
52-Week Price Change	+11.08%
50-Day Moving Average	12.43
200-Day Moving Average	11.50
Relative Strength Index (RSI)	83.66
Average Volume (20 Days)	51,663

Short Selling Information

The latest short interest is 178,020, so 0.56% of the outstanding shares have been sold short.

Short Interest	178,020
Short Previous Month	199,804
Short % of Shares Out	0.56%
Short % of Float	0.65%
Short Ratio (days to cover)	4.53

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, giving 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 -$497.05 million.

Operating Cash Flow	-484.80M
Capital Expenditures	-680,758
Free Cash Flow	-497.05M
FCF Per Share	-$15.56

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 0.47%.

Dividend Per Share	$0.07
Dividend Yield	0.47%
Dividend Growth (YoY)	-2.26%
Years of Dividend Growth	n/a
Payout Ratio	11.10%
Buyback Yield	-21.34%
Shareholder Yield	-20.87%
Earnings Yield	4.26%
FCF Yield	-104.15%

Analyst Forecast

The average price target for VersaBank is $13.00, which is -13.82% lower than the current price. The consensus rating is "Buy".

Price Target	$13.00
Price Target Difference	-13.82%
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