VersaBank (VBNK)
Total Valuation
VersaBank has a market cap or net worth of $264.64 million. The enterprise value is $246.80 million.
Market Cap | 264.64M |
Enterprise Value | 246.80M |
Important Dates
The last earnings date was Wednesday, March 6, 2024, before market open.
Earnings Date | Mar 6, 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 (%) | 26.50% |
Float | 14.05M |
Valuation Ratios
The trailing PE ratio is 8.50 and the forward PE ratio is 5.38.
PE Ratio | 8.50 |
Forward PE | 5.38 |
PS Ratio | 3.18 |
Forward PS | 2.11 |
PB Ratio | 0.92 |
P/FCF Ratio | n/a |
PEG Ratio | n/a |
Enterprise Valuation
EV / Earnings | 7.28 |
EV / Sales | 2.96 |
EV / EBITDA | 5.28 |
EV / EBIT | 5.44 |
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 $11.79 million in taxes.
Income Tax | 11.79M |
Effective Tax Rate | 25.79% |
Stock Price Statistics
The stock price has increased by +45.99% in the last 52 weeks. The beta is 1.11, so VersaBank's price volatility has been higher than the market average.
Beta (1Y) | 1.11 |
52-Week Price Change | +45.99% |
50-Day Moving Average | 11.13 |
200-Day Moving Average | 8.87 |
Relative Strength Index (RSI) | 49.44 |
Average Volume (30 Days) | 25,156 |
Short Selling Information
The latest short interest is 23,078, so 0.09% of the outstanding shares have been sold short.
Short Interest | 23,078 |
Short Previous Month | 10,455 |
Short % of Shares Out | 0.09% |
Short % of Float | 0.16% |
Short Ratio (days to cover) | 1.02 |
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 $1.26.
Revenue | 83.26M |
Gross Profit | 82.40M |
Operating Income | 45.80M |
Pretax Income | 45.35M |
Net Income | 33.91M |
EBITDA | 46.74M |
EBIT | 45.35M |
Earnings Per Share (EPS) | $1.26 |
Balance Sheet
The company has $94.17 million in cash and $76.33 million in debt, giving a net cash position of $17.84 million or $0.69 per share.
Cash & Cash Equivalents | 94.17M |
Total Debt | 76.33M |
Net Cash | 17.84M |
Net Cash Per Share | $0.69 |
Equity / Book Value | 287.33M |
Book Value Per Share | 11.07 |
Working Capital | n/a |
Cash Flow
In the last 12 months, operating cash flow was -$36.63 million and capital expenditures -$12.07 million, giving a free cash flow of -$48.70 million.
Operating Cash Flow | -36.63M |
Capital Expenditures | -12.07M |
Free Cash Flow | -48.70M |
FCF Per Share | -$1.88 |
Margins
Gross margin is 98.97%, with operating and profit margins of 55.01% and 40.73%.
Gross Margin | 98.97% |
Operating Margin | 55.01% |
Pretax Margin | 54.47% |
Profit Margin | 40.73% |
EBITDA Margin | 56.14% |
EBIT Margin | 54.47% |
FCF Margin | -58.49% |
Dividends & Yields
This stock pays an annual dividend of $0.07, which amounts to a dividend yield of 0.68%.
Dividend Per Share | $0.07 |
Dividend Yield | 0.68% |
Dividend Growth (YoY) | -0.40% |
Years of Dividend Growth | n/a |
Payout Ratio | 5.86% |
Buyback Yield | 3.93% |
Shareholder Yield | 4.62% |
Earnings Yield | 12.81% |
FCF Yield | -18.40% |
Analyst Forecast
The average price target for VersaBank is $10.00, which is -8.17% lower than the current price. The consensus rating is "Buy".
Price Target | $10.00 |
Price Target Difference | -8.17% |
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 |