VBNK Stock Overview
Provides various banking products and services in Canada and the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 5/6 |
| Past Performance | 2/6 |
| Financial Health | 6/6 |
| Dividends | 0/6 |
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VersaBank Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | CA$15.29 |
| 52 Week High | CA$25.75 |
| 52 Week Low | CA$12.18 |
| Beta | 1.13 |
| 1 Month Change | 3.10% |
| 3 Month Change | -21.79% |
| 1 Year Change | 12.92% |
| 3 Year Change | 21.74% |
| 5 Year Change | 183.15% |
| Change since IPO | 172.55% |
Recent News & Updates
Recent updates
VersaBank Earnings Missed Analyst Estimates: Here's What Analysts Are Forecasting Now
Mar 08
US Expansion And Digital Initiatives Set To Boost Future Prospects
Feb 02 The U.S. acquisition and Receivable Purchase Program are expected to drive loan growth, higher net margins, and improved earnings.VersaBank Just Missed EPS By 11%: Here's What Analysts Think Will Happen Next
Dec 12Analyst Estimates: Here's What Brokers Think Of VersaBank (TSE:VBNK) After Its Second-Quarter Report
Jun 08VersaBank Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Predictions
Mar 09VersaBank (TSE:VBNK) Has Announced A Dividend Of CA$0.025
Jun 27VersaBank's (TSE:VBNK) Dividend Will Be CA$0.025
Mar 20Shareholder Returns
| VBNK | CA Banks | CA Market | |
|---|---|---|---|
| 7D | -0.8% | 2.4% | 2.0% |
| 1Y | 12.9% | 15.6% | 12.3% |
Return vs Industry: VBNK underperformed the Canadian Banks industry which returned 15.6% over the past year.
Return vs Market: VBNK matched the Canadian Market which returned 12.3% over the past year.
Price Volatility
| VBNK volatility | |
|---|---|
| VBNK Average Weekly Movement | 8.5% |
| Banks Industry Average Movement | 3.5% |
| Market Average Movement | 9.6% |
| 10% most volatile stocks in CA Market | 18.0% |
| 10% least volatile stocks in CA Market | 4.1% |
Stable Share Price: VBNK has not had significant price volatility in the past 3 months compared to the Canadian market.
Volatility Over Time: VBNK's weekly volatility (8%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1979 | 121 | David Taylor | www.versabank.com |
VersaBank provides various banking products and services in Canada and the United States. The company operates through three segments: Digital Banking Canada, Digital Banking USA, and DRTC (cybersecurity services and banking and financial technology development). It offers deposit products, such as guaranteed investment certificates, registered retirement savings plans, and tax-free savings accounts, as well as deposit insurance products.
VersaBank Fundamentals Summary
| VBNK fundamental statistics | |
|---|---|
| Market cap | CA$509.24m |
| Earnings (TTM) | CA$34.45m |
| Revenue (TTM) | CA$109.73m |
14.4x
P/E Ratio1.0x
P/B RatioIs VBNK overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| VBNK income statement (TTM) | |
|---|---|
| Revenue | CA$109.73m |
| Cost of Revenue | CA$0 |
| Gross Profit | CA$109.73m |
| Other Expenses | CA$75.28m |
| Earnings | CA$34.45m |
Last Reported Earnings
Jan 31, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 1.06 |
| Gross Margin | 100.00% |
| Net Profit Margin | 31.40% |
| Debt/Equity Ratio | 20.7% |
How did VBNK perform over the long term?
See historical performance and comparisonDividends
0.7%
Current Dividend Yield8%
Payout RatioDoes VBNK pay a reliable dividends?
See VBNK dividend history and benchmarks| VersaBank dividend dates | |
|---|---|
| Ex Dividend Date | Apr 04 2025 |
| Dividend Pay Date | Apr 30 2025 |
| Days until Ex dividend | 27 days |
| Days until Dividend pay date | 1 day |
Does VBNK pay a reliable dividends?
See VBNK dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/04/30 21:39 |
| End of Day Share Price | 2025/04/30 00:00 |
| Earnings | 2025/01/31 |
| Annual Earnings | 2024/10/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
VersaBank is covered by 7 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Trevor Reynolds | Acumen Capital Finance Partners Limited |
| Dylan Steuart | iA Capital Markets |
| Timothy Switzer | Keefe, Bruyette, & Woods |