VersaBank (VBNK)

VersaBank Statistics

Total Valuation

VersaBank has a market cap or net worth of $381.58 million.

Market Cap	381.58M
Enterprise Value	n/a

Important Dates

The last earnings date was Thursday, September 4, 2025, before market open.

Earnings Date	Sep 4, 2025
Ex-Dividend Date	Jul 3, 2025

Share Statistics

VersaBank has 32.17 million shares outstanding. The number of shares has increased by 15.46% in one year.

Current Share Class	32.17M
Shares Outstanding	32.17M
Shares Change (YoY)	+15.46%
Shares Change (QoQ)	-0.46%
Owned by Insiders (%)	11.04%
Owned by Institutions (%)	35.03%
Float	27.60M

Valuation Ratios

The trailing PE ratio is 18.51 and the forward PE ratio is 9.74.

PE Ratio	18.51
Forward PE	9.74
PS Ratio	4.64
Forward PS	2.43
PB Ratio	1.00
P/TBV Ratio	1.05
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 6.14%.

Return on Equity (ROE)	6.14%
Return on Assets (ROA)	0.58%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$680,147
Profits Per Employee	$170,329
Employee Count	121
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, VersaBank has paid $7.87 million in taxes.

Income Tax	7.87M
Effective Tax Rate	27.47%

Stock Price Statistics

The stock price has decreased by -7.39% in the last 52 weeks. The beta is 1.10, so VersaBank's price volatility has been similar to the market average.

Beta (5Y)	1.10
52-Week Price Change	-7.39%
50-Day Moving Average	11.30
200-Day Moving Average	12.08
Relative Strength Index (RSI)	59.80
Average Volume (20 Days)	101,373

Short Selling Information

The latest short interest is 83,214, so 0.26% of the outstanding shares have been sold short.

Short Interest	83,214
Short Previous Month	88,627
Short % of Shares Out	0.26%
Short % of Float	0.30%
Short Ratio (days to cover)	1.30

Income Statement

In the last 12 months, VersaBank had revenue of $82.30 million and earned $20.61 million in profits. Earnings per share was $0.69.

Revenue	82.30M
Gross Profit	82.30M
Operating Income	28.66M
Pretax Income	46.56M
Net Income	20.61M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.69

Balance Sheet

The company has $332.61 million in cash and $76.19 million in debt, giving a net cash position of $256.42 million or $7.97 per share.

Cash & Cash Equivalents	332.61M
Total Debt	76.19M
Net Cash	256.42M
Net Cash Per Share	$7.97
Equity (Book Value)	381.62M
Book Value Per Share	11.86
Working Capital	-3.13B

Cash Flow

In the last 12 months, operating cash flow was -$423.20 million and capital expenditures -$405,361, giving a free cash flow of -$423.11 million.

Operating Cash Flow	-423.20M
Capital Expenditures	-405,361
Free Cash Flow	-423.11M
FCF Per Share	-$13.15

Margins

Gross Margin	n/a
Operating Margin	34.83%
Pretax Margin	34.83%
Profit Margin	25.26%
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 0.60%.

Dividend Per Share	$0.07
Dividend Yield	0.60%
Dividend Growth (YoY)	-2.23%
Years of Dividend Growth	n/a
Payout Ratio	10.41%
Buyback Yield	-15.46%
Shareholder Yield	-14.86%
Earnings Yield	5.40%
FCF Yield	-110.88%

Analyst Forecast

The average price target for VersaBank is $16.00, which is 34.45% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$16.00
Price Target Difference	34.45%
Analyst Consensus	Strong Buy
Analyst Count	3
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