VersaBank (VBNK) Stock Overview
Provides various banking products and services in Canada and the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 5/6 |
| Past Performance | 2/6 |
| Financial Health | 5/6 |
| Dividends | 0/6 |
VBNK Community Fair Values
Create NarrativeSee what 39 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
VersaBank Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | CA$24.95 |
| 52 Week High | CA$26.00 |
| 52 Week Low | CA$13.92 |
| Beta | 1.11 |
| 1 Month Change | -0.20% |
| 3 Month Change | 8.71% |
| 1 Year Change | 52.13% |
| 3 Year Change | 159.90% |
| 5 Year Change | 75.83% |
| Change since IPO | 344.74% |
Recent News & Updates
VBNK: Weaker Lending Margins Will Limit Benefits Of New Custody Initiative
Analysts have raised their CA$13 price target on VersaBank to CA$14, citing Q1 revenue that exceeded estimates on healthy loan growth and early traction in the new stablecoin custody offering, even though net interest margins came in below expectations. Analyst Commentary Bullish Takeaways Bullish analysts see the price target increase to CA$14 as recognition that stronger than expected Q1 revenue supports a higher valuation, even with some mixed operating metrics.VBNK: Loan Expansion And Stablecoin Custody Will Shape Balanced Return Outlook
Analysts have raised their CA$13 price target on VersaBank to CA$14 after Q1 revenue topped estimates, citing healthy loan growth and early traction from the bank's stablecoin custody initiative, even though net interest margins came in below expectations. Analyst Commentary Analysts are updating their views on VersaBank after the latest Q1 release, focusing on how the bank balances loan growth, margins and new fee-based opportunities like stablecoin custody.Recent updates
VBNK: Weaker Lending Margins Will Limit Benefits Of New Custody Initiative
Analysts have raised their CA$13 price target on VersaBank to CA$14, citing Q1 revenue that exceeded estimates on healthy loan growth and early traction in the new stablecoin custody offering, even though net interest margins came in below expectations. Analyst Commentary Bullish Takeaways Bullish analysts see the price target increase to CA$14 as recognition that stronger than expected Q1 revenue supports a higher valuation, even with some mixed operating metrics.VBNK: Loan Expansion And Stablecoin Custody Will Shape Balanced Return Outlook
Analysts have raised their CA$13 price target on VersaBank to CA$14 after Q1 revenue topped estimates, citing healthy loan growth and early traction from the bank's stablecoin custody initiative, even though net interest margins came in below expectations. Analyst Commentary Analysts are updating their views on VersaBank after the latest Q1 release, focusing on how the bank balances loan growth, margins and new fee-based opportunities like stablecoin custody.VBNK: Stablecoin Custody Fees Will Drive Future Earnings Upside
Analysts have raised their VersaBank price target to CA$14 from CA$13, citing Q1 revenue that exceeded estimates on healthy loan growth and early traction in the bank's new stablecoin custody offering. Analyst Commentary Bullish Takeaways Bullish analysts point to Q1 revenue topping estimates as evidence that VersaBank is executing on loan growth in a way that supports the higher CA$14 price target.VBNK: Stablecoin Custody Traction Will Drive Future Earnings Upside
Analysts have lifted their VersaBank price target to CA$14 from CA$13, citing Q1 revenue that topped estimates on healthy loan growth, a smaller net interest margin, and early traction from the bank's new stablecoin custody offering. Analyst Commentary Bullish Takeaways Bullish analysts view the higher CA$14 price target as a reflection of Q1 revenue that topped estimates, which they see as supportive of the current valuation framework.VBNK: Stablecoin Custody Progress Will Support Future Earnings Power
Analysts have lifted their fair value estimate for VersaBank to CA$23.00 from CA$19.00, citing Street research that points to healthy loan growth, resilient revenue performance and early traction in the bank's stablecoin custody initiative as key supports for the higher price target. Analyst Commentary Bullish Takeaways Bullish analysts point to the higher fair value estimate as reflecting confidence that healthy loan growth can support VersaBank's earnings power over time, even with some pressure on net interest margins.VersaBank Earnings Missed Analyst Estimates: Here's What Analysts Are Forecasting Now
As you might know, VersaBank ( TSE:VBNK ) last week released its latest first-quarter, and things did not turn out so...
US Expansion And Digital Initiatives Set To Boost Future Prospects
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
Shareholders might have noticed that VersaBank ( TSE:VBNK ) filed its annual result this time last week. The early...Analyst Estimates: Here's What Brokers Think Of VersaBank (TSE:VBNK) After Its Second-Quarter Report
VersaBank ( TSE:VBNK ) missed earnings with its latest quarterly results, disappointing overly-optimistic forecasters...VersaBank Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Predictions
It's been a mediocre week for VersaBank ( TSE:VBNK ) shareholders, with the stock dropping 11% to CA$14.20 in the week...Shareholder Returns
| VBNK | CA Banks | CA Market | |
|---|---|---|---|
| 7D | 4.4% | 4.2% | 2.5% |
| 1Y | 52.1% | 56.2% | 32.5% |
Return vs Industry: VBNK underperformed the Canadian Banks industry which returned 58.5% over the past year.
Return vs Market: VBNK exceeded the Canadian Market which returned 33.9% over the past year.
Price Volatility
| VBNK volatility | |
|---|---|
| VBNK Average Weekly Movement | 6.4% |
| Banks Industry Average Movement | 2.7% |
| Market Average Movement | 10.2% |
| 10% most volatile stocks in CA Market | 17.8% |
| 10% least volatile stocks in CA Market | 3.8% |
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 (6%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1979 | 131 | Susan McGovern | www.versabank.com |
VersaBank provides various banking products and services in Canada and the United States. The company operates through Digital Banking Canada; Digital Banking USA; and DRTC (cybersecurity services and banking and financial technology development) segments. 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$797.43m |
| Earnings (TTM) | CA$31.38m |
| Revenue (TTM) | CA$129.24m |
Is VBNK overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| VBNK income statement (TTM) | |
|---|---|
| Revenue | CA$129.24m |
| Cost of Revenue | CA$0 |
| Gross Profit | CA$129.24m |
| Other Expenses | CA$97.86m |
| Earnings | CA$31.38m |
Last Reported Earnings
Jan 31, 2026
Next Earnings Date
Jun 03, 2026
| Earnings per share (EPS) | 0.98 |
| Gross Margin | 100.00% |
| Net Profit Margin | 24.28% |
| Debt/Equity Ratio | 18.7% |
How did VBNK perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/26 09:35 |
| End of Day Share Price | 2026/05/26 00:00 |
| Earnings | 2026/01/31 |
| Annual Earnings | 2025/10/31 |
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 |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| 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 |