VersaBank Statistics
Total Valuation
VersaBank has a market cap or net worth of $253.15 million. The enterprise value is $235.63 million.
| Market Cap | 253.15M |
| Enterprise Value | 235.63M |
Important Dates
The next estimated earnings date is Wednesday, June 5, 2024, before market open.
| Earnings Date | Jun 5, 2024 |
| Ex-Dividend Date | Apr 4, 2024 |
Share Statistics
VersaBank has 25.96 million shares outstanding. The number of shares has decreased by -3.93% in one year.
| Shares Outstanding | 25.96M |
| Shares Change (YoY) | -3.93% |
| Shares Change (QoQ) | +0.15% |
| Owned by Insiders (%) | 45.20% |
| Owned by Institutions (%) | 26.76% |
| Float | 13.98M |
Valuation Ratios
The trailing PE ratio is 7.86 and the forward PE ratio is 4.89.
| PE Ratio | 7.86 |
| Forward PE | 4.89 |
| PS Ratio | 3.04 |
| Forward PS | 2.01 |
| PB Ratio | 0.90 |
| P/FCF Ratio | n/a |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 6.95 |
| EV / Sales | 2.83 |
| EV / EBITDA | 5.13 |
| EV / EBIT | 5.29 |
| EV / FCF | n/a |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.27 |
| Debt / EBITDA | 1.63 |
| Debt / FCF | n/a |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.20% and return on invested capital (ROIC) is 9.32%.
| Return on Equity (ROE) | 12.20% |
| Return on Assets (ROA) | 1.10% |
| Return on Capital (ROIC) | 9.32% |
| Revenue Per Employee | $699,661 |
| Profits Per Employee | $284,987 |
| Employee Count | 119 |
| Asset Turnover | 0.03 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, VersaBank has paid $11.58 million in taxes.
| Income Tax | 11.58M |
| Effective Tax Rate | 25.45% |
Stock Price Statistics
The stock price has increased by +30.83% in the last 52 weeks. The beta is 1.07, so VersaBank's price volatility has been similar to the market average.
| Beta (1Y) | 1.07 |
| 52-Week Price Change | +30.83% |
| 50-Day Moving Average | 10.81 |
| 200-Day Moving Average | 9.19 |
| Relative Strength Index (RSI) | 37.02 |
| Average Volume (30 Days) | 31,735 |
Short Selling Information
The latest short interest is 32,419, so 0.12% of the outstanding shares have been sold short.
| Short Interest | 32,419 |
| Short Previous Month | 17,164 |
| Short % of Shares Out | 0.12% |
| Short % of Float | 0.23% |
| Short Ratio (days to cover) | 0.82 |
Income Statement
In the last 12 months, VersaBank had revenue of $83.26 million and earned $33.91 million in profits. Earnings per share was $1.24.
| Revenue | 83.26M |
| Gross Profit | 80.96M |
| Operating Income | 45.00M |
| Pretax Income | 44.56M |
| Net Income | 33.91M |
| EBITDA | 45.93M |
| EBIT | 44.56M |
| Earnings Per Share (EPS) | $1.24 |
Balance Sheet
The company has $92.53 million in cash and $75.00 million in debt, giving a net cash position of $17.53 million or $0.68 per share.
| Cash & Cash Equivalents | 92.53M |
| Total Debt | 75.00M |
| Net Cash | 17.53M |
| Net Cash Per Share | $0.68 |
| Equity / Book Value | 282.31M |
| Book Value Per Share | 10.87 |
| Working Capital | n/a |
Cash Flow
In the last 12 months, operating cash flow was -$35.99 million and capital expenditures -$11.86 million, giving a free cash flow of -$47.85 million.
| Operating Cash Flow | -35.99M |
| Capital Expenditures | -11.86M |
| Free Cash Flow | -47.85M |
| FCF Per Share | -$1.84 |
Margins
Gross margin is 97.24%, with operating and profit margins of 54.05% and 40.73%.
| Gross Margin | 97.24% |
| Operating Margin | 54.05% |
| Pretax Margin | 53.52% |
| Profit Margin | 40.73% |
| EBITDA Margin | 55.16% |
| EBIT Margin | 53.52% |
| FCF Margin | -57.47% |
Dividends & Yields
This stock pays an annual dividend of $0.07, which amounts to a dividend yield of 0.76%.
| Dividend Per Share | $0.07 |
| Dividend Yield | 0.76% |
| Dividend Growth (YoY) | -0.40% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 5.96% |
| Buyback Yield | 3.93% |
| Shareholder Yield | 4.68% |
| Earnings Yield | 13.40% |
| FCF Yield | -18.90% |
Analyst Forecast
The average price target for VersaBank is $10.00, which is 2.56% higher than the current price. The consensus rating is "Buy".
| Price Target | $10.00 |
| Price Target Difference | 2.56% |
| 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 |