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Company Analysis

VersaBank VBNK

A comprehensive view of key metrics, scores, and financial health for VersaBank

Overview of VersaBank

VBNK NMS
Financial Services Banks - Regional Small Cap
VersaBank (VBNK), is a Small Cap company, in the Banks - Regional industry, last closed at $13.93, about 25.6% undervalued vs fair value, +33.2% 1Y return, ranked 503/1004 in sector.
$13.93
-1.55%
As of March 13, 2026
Previous close • Vol 90d: 34.6%
52-Week Range
Market Cap
$457.67M
Enterprise Value
$-15.53M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.versabank.com
HQ London, ON
Employees 131
Fiscal year Oct 31

Next Events

Dividend Apr 30 Ex-div: Apr 10
Earnings Jun 3 Estimated

Fair Value Snapshot

Bear Base Bull
$10
$18
$33
Current: $13.93 +26% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$295.7M
3.6%%
Interest Expense
$179.5M
Net Interest Income
$116.2M
13.2%%
Total Revenue
$124.6M
11.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
5.3%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$12.4M
43.4% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating VersaBank's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
44
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
36
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 82% Coverage
Trade-Off Triangle Visualization A ternary plot showing VBNK's balance between Growth (41.9%), Profitability (34.7%), and Safety (23.5%). Growth 42% Safety 23% Profitability 35%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

46th percentile vs peers
47
Key Signals
Asset Growth YoY 20.1% 90p Revenue CAGR 3Y 14.8% 34p Rev Growth YoY 11.7% 20p
Strengths
  • Asset Growth Yoy in top 20% of peers (20.1%, 90th percentile)
Risks
  • Rev Growth Yoy in bottom 20% of peers (11.7%)

Profitability

38th percentile vs peers
39
Key Signals
Strengths
Risks
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Safety

26th percentile vs peers
26
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for VersaBank.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
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- upside
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Base
$17.50
- - -
+25.6% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
$- $- $-
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