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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 $18.32, about 4.5% overvalued vs fair value, +65.3% 1Y return, ranked 486/1037 in sector.
Metrics P/E 13.1× Rev Growth 11.7% ROE 6.1% Div Yield 0.84%
$18.32
-0.11%
As of April 28, 2026
Previous close • Vol 90d: 37.6%
52-Week Range
Market Cap
$589.69M
Enterprise Value
$116.49M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Good
Valuation
Weak
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Good
Valuation
Weak
Completeness: 82%
Confidence: 84%
Updated: Mar 8
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
Earnings Jun 3 Estimated

Fair Value Snapshot

Bear Base Bull
$10
$18
$33
Current: $18.32 -5% 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
41
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
32
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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 80% Coverage
Trade-Off Triangle Visualization A ternary plot showing VBNK's balance between Growth (60.0%), Profitability (14.2%), and Safety (25.8%). Growth 60% Safety 26% Profitability 14%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

75th percentile vs peers
75
Key Signals
Asset Growth YoY 20.1% 90p NII Growth YoY 13.2% 84p Equity Growth YoY 33.4% 95p EPS Growth YoY -39.5% 14p
Strengths
  • Asset Growth YoY in top 20% of peers (20.1%, 90th percentile)
  • NII Growth YoY in top 20% of peers (13.2%, 84th percentile)
  • Equity Growth YoY in top 20% of peers (33.4%, 95th percentile)
  • Growth above peer median with strong metric coverage (80%)
Risks
  • EPS Growth YoY in bottom 20% of peers (-39.5%)

Profitability

17th percentile vs peers
18
Key Signals
Strengths
Risks
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Safety

32th percentile vs peers
32
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for VersaBank.

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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:

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  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$17.50
- - -
-4.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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