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VBNK Quote, Financials, Valuation and Earnings
Last price:
$14.57
Seasonality move
:
-8.93%
Day range:
$14.22 - $14.64
52-week range:
$8.51 - $17.47
Dividend yield:
0.49%
P/E ratio:
20.98x
P/S ratio:
2.10x
P/B ratio:
1.17x
Volume:
22.6K
Avg. volume:
42.8K
1-year change:
42.05%
Market cap:
$470.8M
Revenue:
$217.2M
EPS (TTM):
$0.70
Analysts' Opinion
-
Consensus RatingVersaBank has received a consensus rating of Hold. The company's average rating is a Hold based on 0 Buy ratings, 1 Hold rating, and 0 Sell ratings.
-
Price Target UpsideAccording to analysts' consensus price target of $15.50, VersaBank has an estimated upside of 6.46% from its current price of $14.56.
-
Price Target DownsideAccording to analysts, the lowest downside price target is $14.00 representing 100% downside risk from its current price of $14.56.
Fair Value
-
According to the consensus of 1 analyst, VersaBank has 6.46% upside to fair value with a price target of $15.50 per share.
VBNK vs. S&P 500
-
Over the past 5 trading days, VersaBank has overperformed the S&P 500 by 1.13% suggesting its relative strength compared to the major market average is strong at this time.
Share Buyback
-
VersaBank does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.
Revenue Growth
-
VersaBank has grown year-over-year revenues for 3 quarters straight. In the most recent quarter VersaBank reported revenues of $60.4M.
Earnings Growth
-
VersaBank has grown year-over-year earnings for 1 quarter straight. In the most recent quarter VersaBank reported earnings per share of $0.25.
Enterprise value:
543.7M
EV / Invested capital:
1.14x
Price / LTM sales:
2.10x
EV / EBIT:
3.36x
EV / Revenue:
2.42x
PEG ratio (5yr expected):
0.34x
EV / Free cash flow:
13.25x
Price / Operating cash flow:
11.52x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.57%
Net Income Margin (TTM):
10.03%
Return On Equity:
5.91%
Return On Invested Capital:
4.93%
Operating Margin:
18.21%
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2024-01-31 | 2025-01-31 | 2026-01-31 | 2025-01-31 | 2026-01-31 | |
| Income Statement | ||||||
| Revenue | $191.3M | $216.4M | $224.6M | $53.1M | $60.4M | |
| Gross Profit | -- | -- | -- | -- | -- | |
| Operating Income | $45.5M | $35.6M | $32.8M | $7.8M | $11M | |
| EBITDA | -- | -- | -- | $41.8M | $45.8M | |
| Diluted EPS | $1.27 | $0.94 | $0.70 | $0.20 | $0.25 | |
| Period Ending | 2022-01-31 | 2023-01-31 | 2024-01-31 | 2025-01-31 | 2026-01-31 | |
|---|---|---|---|---|---|---|
| Balance Sheet | ||||||
| Current Assets | $124.4M | $153.5M | $98.5M | $288M | $488.2M | |
| Total Assets | $1.9B | $2.6B | $3.2B | $3.4B | $4.5B | |
| Current Liabilities | $6.4M | $5.5M | $7.5M | $7.4M | $6M | |
| Total Liabilities | $1.6B | $2.4B | $2.9B | $3.1B | $4.1B | |
| Total Equity | $264.9M | $263.2M | $291.2M | $359.9M | $401M | |
| Total Debt | $80.7M | $80.2M | $80M | $75.7M | $76.8M | |
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2024-01-31 | 2025-01-31 | 2026-01-31 | 2025-01-31 | 2026-01-31 | |
| Cash Flow Statement | ||||||
| Cash Flow Operations | $74M | $57.6M | $40.8M | $23.7M | -$43.9M | |
| Cash From Investing | -$625.6M | -$241.7M | -$661.5M | $16.5M | -$199.9M | |
| Cash From Financing | $499.8M | $364.7M | $798.9M | $72.5M | $276.1M | |
| Free Cash Flow | $61.9M | $54.7M | $41M | $22.7M | -$44M | |
VBNK
Sector
Market Cap
$470.8M
$544.9M
Price % of 52-Week High
83.34%
86.06%
Dividend Yield
0.49%
1.93%
Shareholder Yield
1.08%
2.67%
1-Year Price Total Return
42.05%
7.54%
Beta (5-Year)
0.888
0.429
Dividend yield:
0.49%
Annualized payout:
$0.07
Payout ratio:
7.22%
Growth streak:
1 years
Technicals
8-day SMA
Buy
Level
$14.07
200-day SMA
Buy
Level
$13.07
Bollinger Bands (100)
Buy
Level
12.83 - 16.11
Chaikin Money Flow
Sell
Level
-488.2K
20-day SMA
Buy
Level
$14.03
Relative Strength Index (RSI14)
Buy
Level
51.08
ADX Line
Buy
Level
18.3
Williams %R
Neutral
Level
-26.991
50-day SMA
Sell
Level
$15.33
MACD (12, 26)
Sell
Level
-0.32
25-day Aroon Oscillator
Sell
Level
-48
On Balance Volume
Sell
Level
-2.9M
Financial Scores
Sell
Altman Z-Score
(Annual)
Level (-0.5929)
Sell
CA Score
(Annual)
Level (-2.1505)
--
Beneish M-Score
(Annual)
Level (--)
Buy
Momentum Score
Level (7)
Sell
Ohlson Score
Level (4.3875)
Buy
Piotroski F Score
(Annual)
Level (6)
Buy
Quality Ratio Score
Level (2)
Buy
Fundamental Score
Level (9)
Revenue Forecast
Earnings per Share Forecast
Company Profile
VersaBank engages in the provision of financial services. It operates through Digital Banking and DRTC. The Digital Banking segment offers business to business model using its financial technoolgy to address issues in the U.S. banking market. The DRTC segment refers to developed IT security software and capabilities. The company was founded by David Roy Taylor on January 18, 1993 and is headquartered in London, Canada.
Stock Forecast FAQ
In the current month, VBNK has received 0 Buy ratings 1 Hold ratings, and 0 Sell ratings. The VBNK average analyst price target in the past 3 months is $15.50.
-
Where Will VersaBank Stock Be In 1 Year?
According to analysts, the consensus estimate is that VersaBank share price will rise to $15.50 per share over the next 12 months.
-
What Do Analysts Say About VersaBank?
Analysts are divided on their view about VersaBank share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that VersaBank is a Sell and believe this share price will drop from its current level to $14.00.
-
What Is VersaBank's Price Target?
The price target for VersaBank over the next 1-year time period is forecast to be $15.50 according to 1 Wall Street analyst, 0 of them rate the stock a Buy, 0 rate the stock a Sell, and 1 analyst rates the stock a Hold.
-
Is VBNK A Buy, Sell Or Hold?
According to Wall Street analysts, the consensus rating for VersaBank is a Hold. 1 of 1 analysts rates the stock a Hold at this time.
-
How Can I Buy Shares Of VBNK?
You can purchase shares of VersaBank via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase VersaBank shares.
-
What Is The VersaBank Share Price Today?
VersaBank was last trading at $14.57 per share. This represents the most recent stock quote for VersaBank. Yesterday, VersaBank closed at $14.56 per share.
-
How To Buy VersaBank Stock Online?
In order to purchase VersaBank stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.
Related Companies
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Financial Ratios
VBNK
Sector
P/E ratio
20.98x
11.63x
PEG ratio
0.34x
0.29x
P/B ratio
1.17x
1.10x
Price / LTM sales
2.10x
1.78x
Growth Metrics
VBNK
Sector
Revenue growth
13.91%
5.49%
Earnings growth
26.51%
11.77%
Revenue (5-year growth)
27.68%
9.46%
Earnings forecast
$0.25
$0.63
Profitability
VBNK
Sector
Profitability FY 2025
--
--
Return on invested capital
4.93%
5.1%
Return on assets
0.57%
1.04%
Return on equity
5.91%
9.92%
Earnings Date
Last Earnings Date
Mar
4
Next Earnings Date
Jun
3
Estimated Next Earnings Date
Jun
3
Balance Sheet
VBNK
Sector
Total cash
$322.5M
$407.6M
Short term investments
$685.2K
$182.8M
Total assets
$4.1B
$3.1B
Long term debt
$76.8M
$67.9M
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