Financhill
Sell
49

VBNK.TO Quote, Financials, Valuation and Earnings

Last price:
$20.34
Seasonality move :
4.11%
Day range:
$19.67 - $20.53
52-week range:
$12.94 - $25.75
Dividend yield:
0.49%
P/E ratio:
13.65x
P/S ratio:
4.73x
P/B ratio:
1.66x
Volume:
79.1K
Avg. volume:
62.1K
1-year change:
37.62%
Market cap:
$661.3M
Revenue:
$111.6M
EPS (TTM):
$1.49

Analysts' Opinion

  • Consensus Rating
    VersaBank has received a consensus rating of Buy. The company's average rating is a Buy based on 1 Buy rating, 0 Hold ratings, and 0 Sell ratings.
  • Price Target Upside
    According to analysts' consensus price target of $28.76, VersaBank has an estimated upside of 39.75% from its current price of $20.34.
  • Price Target Downside
    According to analysts, the lowest downside price target is $27.50 representing 100% downside risk from its current price of $20.34.

Fair Value

  • According to the consensus of 1 analyst, VersaBank has 39.75% upside to fair value with a price target of $28.76 per share.

VBNK.TO vs. S&P 500

  • Over the past 5 trading days, VersaBank has overperformed the S&P 500 by 2.72% 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 revenues have been falling on a year-over-year basis for 1 quarter in a row. In the most recent quarter VersaBank reported revenues of $27.3M.

Earnings Growth

  • VersaBank earnings have been falling on a year-over-year basis for 2 quarters in a row. In the most recent quarter VersaBank reported earnings per share of $0.20.
Enterprise value:
537.6M
EV / Invested capital:
1.07x
Price / LTM sales:
4.73x
EV / EBIT:
2.26x
EV / Revenue:
4.82x
PEG ratio (5yr expected):
0.32x
EV / Free cash flow:
2.12x
Price / Operating cash flow:
2.08x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.89%
Net Income Margin (TTM):
35.61%
Return On Equity:
10.07%
Return On Invested Capital:
7.98%
Operating Margin:
--
Trailing 12 Months Fiscal Quarters
Period Ending 2022-10-31 2023-10-31 2024-10-31 2023-10-31 2024-10-31
Income Statement
Revenue $82.4M $108.6M $111.6M $29.2M $27.3M
Gross Profit -- -- -- -- --
Operating Income -- -- -- -- --
EBITDA -- -- -- -- --
Diluted EPS $0.79 $1.57 $1.49 $0.47 $0.20
Period Ending 2020-10-31 2021-10-31 2022-10-31 2023-10-31 2024-10-31
Balance Sheet
Current Assets $264.5M $283.3M $108M $159.3M $258.7M
Total Assets $1.9B $2.4B $3.3B $4.2B $4.8B
Current Liabilities $96.1M $113.7M $5.8M $7.5M $893K
Total Liabilities $1.7B $2.1B $2.9B $3.8B $4.4B
Total Equity $255.3M $332.1M $350.7M $377.2M $399.2M
Total Debt $13.6M $95.3M $105M $106.9M $102.5M
Trailing 12 Months Fiscal Quarters
Period Ending 2022-10-31 2023-10-31 2024-10-31 2023-10-31 2024-10-31
Cash Flow Statement
Cash Flow Operations -$32.7M $94.7M $272.7M $29.7M $153.3M
Cash From Investing -$141.6M -$28.1M -$157.6M $14.4M -$153M
Cash From Financing -$6.3M -$17.3M -$23.3M -$790K -$15.1M
Free Cash Flow -$33.2M $94.4M $254.1M $29.7M $153.4M
VBNK.TO
Sector
Market Cap
$661.3M
$675.6M
Price % of 52-Week High
78.99%
87.46%
Dividend Yield
0.49%
2.22%
Shareholder Yield
0.33%
3.86%
1-Year Price Total Return
37.62%
7.49%
Beta (5-Year)
1.194
0.739
Dividend yield:
0.49%
Annualized payout:
$0.10
Payout ratio:
9.03%
Growth streak:
0 years

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Technicals

8-day SMA
Buy
Level $19.63
200-day SMA
Buy
Level $17.23
Bollinger Bands (100)
Buy
Level 17.47 - 22.73
Chaikin Money Flow
Buy
Level 321.8K
20-day SMA
Sell
Level $20.89
Relative Strength Index (RSI14)
Sell
Level 43.77
ADX Line
Buy
Level 17.14
Williams %R
Neutral
Level -55.6995
50-day SMA
Sell
Level $22.11
MACD (12, 26)
Sell
Level -0.85
25-day Aroon Oscillator
Sell
Level -56
On Balance Volume
Neutral
Level 243.9K

Financial Scores

Sell
Altman Z-Score (Annual)
Level (0.375)
Sell
CA Score (Annual)
Level (-2.1207)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (10)
Sell
Ohlson Score
Level (2.4526)
--
Piotroski F Score (Annual)
Level (--)
--
Quality Ratio Score
Level (--)
Buy
Fundamental Score
Level (9)

Revenue Forecast

Earnings per Share Forecast

Company Profile

VersaBank is a Canadian Schedule I chartered bank with a difference. It has 3 operating segments: Digital Banking Canada, Digital Banking USA and DRTC. It's, cloud-based, business-to-business deposit and lending model provides valued-added solutions to Canadian financial intermediary partners, enabling them to focus on growing their own businesses faster and more profitably. It obtains all of its deposits and provides the majority of its loans and leases electronically, with deposit and lending solutions for financial intermediaries that allow them to excel in their core businesses. In addition, leveraging its internally developed IT security software and capabilities, Company established a wholly owned, subsidiary. Geographically located in Canada and USA.

Stock Forecast FAQ

In the current month, VBNK.TO has received 1 Buy ratings 0 Hold ratings, and 0 Sell ratings. The VBNK.TO average analyst price target in the past 3 months is $28.76.

  • Where Will VersaBank Stock Be In 1 Year?

    According to analysts, the consensus estimate is that VersaBank share price will rise to $28.76 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 $27.50.

  • What Is VersaBank's Price Target?

    The price target for VersaBank over the next 1-year time period is forecast to be $28.76 according to 1 Wall Street analyst, 1 of them rates the stock a Buy, 0 rate the stock a Sell, and 0 analysts rate the stock a Hold.

  • Is VBNK.TO A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for VersaBank is a Buy. 1 of 1 analysts rates the stock a Buy at this time.

  • How Can I Buy Shares Of VBNK.TO?

    You can purchase shares of VersaBank via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, TastyTrade.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 $20.34 per share. This represents the most recent stock quote for VersaBank. Yesterday, VersaBank closed at $20.34 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.

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