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VersaBank (VBNK.PRA) Stock Overview
Provides various banking products and services in Canada and the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 1/6 |
| Future Growth | 5/6 |
| Past Performance | 5/6 |
| Financial Health | 6/6 |
| Dividends | 0/6 |
Rewards
Risk Analysis
No risks detected for VBNK.PRA from our risk checks.
VBNK.PRA Community Fair Values
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VersaBank Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | CA$9.99 |
| 52 Week High | CA$10.20 |
| 52 Week Low | CA$9.40 |
| Beta | 1.07 |
| 1 Month Change | -1.38% |
| 3 Month Change | -0.40% |
| 1 Year Change | 6.73% |
| 3 Year Change | -5.67% |
| 5 Year Change | -0.40% |
| Change since IPO | 2.36% |
Recent News & Updates
Recent updates
Shareholder Returns
| VBNK.PRA | CA Banks | CA Market | |
|---|---|---|---|
| 7D | 0.1% | 1.5% | -1.2% |
| 1Y | 6.7% | 56.9% | 31.4% |
Return vs Industry: VBNK.PRA underperformed the Canadian Banks industry which returned 34.4% over the past year.
Return vs Market: VBNK.PRA underperformed the Canadian Market which returned 26.1% over the past year.
Price Volatility
| VBNK.PRA volatility | |
|---|---|
| VBNK.PRA Average Weekly Movement | 0.8% |
| Banks Industry Average Movement | 2.8% |
| Market Average Movement | 10.1% |
| 10% most volatile stocks in CA Market | 17.6% |
| 10% least volatile stocks in CA Market | 3.8% |
Stable Share Price: VBNK.PRA has not had significant price volatility in the past 3 months compared to the Canadian market.
Volatility Over Time: VBNK.PRA's weekly volatility (1%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1979 | 119 | David Taylor | www.versabank.com |
VersaBank provides various banking products and services in Canada and the United States. It offers deposit products, such as web-based chequing accounts, guaranteed investment certificates, registered retirement savings plans, and tax-free savings accounts, as well as deposit insurance products. The company also provides lending services, including point of sale financing that covers purchasing loan and lease receivables from finance companies operating in various industries; commercial banking services comprising commercial real estate, public sector/infrastructure financing, and condominium financing; and residential mortgages.
VersaBank Fundamentals Summary
| VBNK.PRA fundamental statistics | |
|---|---|
| Market cap | CA$543.47m |
| Earnings (TTM) | CA$45.72m |
| Revenue (TTM) | CA$113.82m |
Is VBNK.PRA overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| VBNK.PRA income statement (TTM) | |
|---|---|
| Revenue | CA$113.82m |
| Cost of Revenue | CA$0 |
| Gross Profit | CA$113.82m |
| Other Expenses | CA$68.09m |
| Earnings | CA$45.72m |
Last Reported Earnings
Jul 31, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 1.76 |
| Gross Margin | 100.00% |
| Net Profit Margin | 40.17% |
| Debt/Equity Ratio | 24.9% |
How did VBNK.PRA perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/11/01 01:07 |
| End of Day Share Price | 2024/11/01 00:00 |
| Earnings | 2024/07/31 |
| Annual Earnings | 2023/10/31 |
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 |
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| Management | 10 years |
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| 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 4 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 |
|---|---|
| Timothy Switzer | Keefe, Bruyette, & Woods |
| Joseph Yanchunis | Raymond James & Associates |
| Craig Irwin | Roth Capital Partners |