Symbols / VBNK Stock $17.74 -3.17% VersaBank

Financial Services • Banks - Regional • Canada • NMS
VBNK (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Telemaco G. Matrundola B.A., M.A., Ph…
Exch · Country NMS · Canada
Market Cap 570.65M
Enterprise Value 46.13M
Income 31.38M
Sales 129.24M
FCF (ttm) —
Book/sh 12.30
Cash/sh 19.58
Employees 131
Insider 10d —
IPO Aug 27, 2021
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 10.31%
P/E 24.99
Forward P/E 9.42
PEG —
P/S 4.42
P/B 1.44
P/C —
EV/EBITDA —
EV/Sales 0.36
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 0.71
EPS next Y 1.88
EPS Growth 23.70%
Revenue Growth 33.60%
EPS Gr Q/Q 35.90%
Rev Gr Q/Q —
Earnings (next) 2026-06-03
Earnings (prior) 2026-03-03
ROA 0.56%
ROE 5.90%
ROIC —
Gross Margin 0.00%
Oper. Margin 42.63%
Profit Margin 24.28%
Shs Outstand 32.17M
Shs Float 19.99M
Insider Own 31.50%
Instit Own 35.68%
Short Float —
Short Ratio 3.89
Short Interest 209.65K
52W High 18.64
vs 52W High -4.83%
52W Low 10.10
vs 52W Low 75.64%
Beta 1.03
Impl. Vol. 1.56%
Rel Volume 0.90
Avg Volume 61.46K
Volume 55.36K
Target (mean) $15.50
Tgt Median $15.50
Tgt Low $14.00
Tgt High $17.00
# Analysts 2
Recom Buy
Prev Close $18.32
Price $17.74
Change -3.17%
About

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. 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 real estate mortgages and loans, public sector, leases, and other financing. In addition, it provides cybersecurity services. The company was formerly known as Pacific & Western Bank of Canada and changed its name to VersaBank in May 2016. VersaBank was incorporated in 1979 and is headquartered in London, Canada.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$15.50
Mean price target
2. Current target
$17.74
Latest analyst target
3. DCF / Fair value
$10.65
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$17.74
Low
$14.00
High
$17.00
Mean
$15.50

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2025-12-11 main Roth Capital Neutral → Neutral $13
2025-06-05 reit Raymond James Outperform → Outperform $13
2024-11-08 reit Raymond James Outperform → Outperform $17
2024-09-27 init Roth MKM — → Buy $18
2024-08-28 init Keefe, Bruyette & Woods — → Outperform $22
2024-08-27 init Keefe, Bruyette & Woods — → Outperform —
News
RSS: Latest VBNK news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-22 Johnston (Joanne Marie) Senior Officer of Issuer — 2,500 $18.09 $45,215
2026-04-22 Mcgovern (Susan Teresa) Director of Issuer — 400 $18.12 $7,247
2026-04-22 Mcgovern (Susan Teresa) Director of Issuer — 200 $18.11 $3,622
2026-04-21 Min, Andrien Young Senior Officer of Issuer — 3,000 $11.64 $34,914
2026-04-20 Johnston (Joanne Marie) Senior Officer of Issuer — 2,500 — —
2026-04-20 Johnston (Joanne Marie) Senior Officer of Issuer — 2,500 — —
2026-04-20 Gabrielle (Bochynek) Director of Issuer — 150 $17.61 $2,641
2026-04-17 Shah (Chintan) Senior Officer of Issuer — 200 $16.23 $3,246
2026-04-17 Shah (Chintan) Senior Officer of Issuer — 12 $16.26 $195
2026-04-16 Kristo (Nikola) Senior Officer of Issuer — 6,750 — —
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-10-31 2024-10-31 2023-10-31 2022-10-31
Total Revenue
124.64
+11.65%
111.63
+2.76%
108.64
+31.85%
82.39
Operating Revenue
124.64
+11.65%
111.63
+2.76%
108.64
+31.85%
82.39
Selling General And Administration
71.71
+38.03%
51.95
+11.78%
46.48
+2.09%
45.53
General And Administrative Expense
71.71
+38.03%
51.95
+11.78%
46.48
+2.09%
45.53
Salaries And Wages
37.98
+15.86%
32.78
+4.31%
31.43
+17.29%
26.80
Other Gand A
33.73
+75.95%
19.17
+27.36%
15.05
-19.65%
18.73
Reconciled Depreciation
3.10
+17.73%
2.63
+47.73%
1.78
-8.00%
1.94
Net Income
28.46
-28.40%
39.75
-5.73%
42.16
+86.08%
22.66
Pretax Income
41.49
-24.27%
54.79
-4.95%
57.65
+77.11%
32.55
Net Interest Income
116.17
+13.16%
102.66
+2.60%
100.05
+30.50%
76.67
Interest Expense
179.51
-1.78%
182.76
+41.37%
129.28
+157.79%
50.15
Interest Income
295.68
+3.60%
285.42
+24.46%
229.33
+80.84%
126.82
Tax Provision
13.04
-13.36%
15.04
-2.83%
15.48
+56.55%
9.89
Tax Rate For Calcs
0.00
+14.41%
0.00
+2.23%
0.00
-11.61%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
28.46
-28.40%
39.75
-5.73%
42.16
+86.08%
22.66
Net Income From Continuing Operation Net Minority Interest
28.46
-28.40%
39.75
-5.73%
42.16
+86.08%
22.66
Net Income From Continuing And Discontinued Operation
28.46
-28.40%
39.75
-5.73%
42.16
+86.08%
22.66
Net Income Continuous Operations
28.46
-28.40%
39.75
-5.73%
42.16
+86.08%
22.66
Normalized Income
28.46
-28.40%
39.75
-5.73%
42.16
+86.08%
22.66
Net Income Common Stockholders
28.46
-26.58%
38.76
-5.86%
41.17
+90.00%
21.67
Diluted EPS
0.90
-39.60%
1.49
-5.10%
1.57
+98.73%
0.79
Basic EPS
0.90
-39.60%
1.49
-5.10%
1.57
+98.73%
0.79
Basic Average Shares
31.51
+21.34%
25.97
-1.17%
26.27
-8.39%
28.68
Diluted Average Shares
31.51
+21.34%
25.97
-1.17%
26.27
-8.39%
28.68
Diluted NI Availto Com Stockholders
28.46
-26.58%
38.76
-5.86%
41.17
+90.00%
21.67
Occupancy And Equipment
7.02
+36.26%
5.16
+32.11%
3.90
+0.96%
3.87
Preferred Stock Dividends
—
0.99
+0.00%
0.99
+0.00%
0.99
Line Item Trend 2023-10-31 2022-10-31 2021-10-31
Total Assets
4,201.61
+28.65%
3,266.00
—
Cash And Cash Equivalents
132.24
+49.29%
88.58
—
Cash Financial
132.24
+49.29%
88.58
—
Other Short Term Investments
0.95
+0.00%
0.95
—
Receivables
24.54
+32.82%
18.48
—
Accounts Receivable
24.54
+32.82%
18.48
—
Other Receivables
—
—
8.20
Prepaid Assets
—
—
12.70
Net PPE
9.96
-9.34%
10.99
—
Gross PPE
21.95
-1.49%
22.28
—
Accumulated Depreciation
-11.99
-6.15%
-11.29
—
Buildings And Improvements
4.12
-14.43%
4.82
—
Other Properties
17.83
+2.07%
17.46
—
Goodwill And Other Intangible Assets
8.54
-4.41%
8.94
—
Goodwill
5.75
+0.00%
5.75
—
Other Intangible Assets
2.79
-12.37%
3.19
—
Investments And Advances
168.89
+18.51%
142.52
—
Long Term Equity Investment
—
—
0.95
Total Liabilities Net Minority Interest
3,824.45
+31.18%
2,915.32
—
Payables And Accrued Expenses
7.47
+28.79%
5.80
—
Payables
7.47
+28.79%
5.80
—
Accounts Payable
9.68
+26.35%
7.66
-93.08%
110.76
Total Tax Payable
7.47
+28.79%
5.80
—
Income Tax Payable
7.47
+28.79%
5.80
—
Long Term Debt And Capital Lease Obligation
110.62
+1.10%
109.42
—
Long Term Debt
106.85
+1.81%
104.95
—
Long Term Capital Lease Obligation
3.77
-15.66%
4.47
—
Long Term Provisions
153.77
+21.93%
126.11
—
Non Current Deferred Liabilities
0.73
-7.00%
0.79
—
Non Current Deferred Taxes Liabilities
0.73
-7.00%
0.79
—
Stockholders Equity
377.16
+7.55%
350.68
—
Common Stock Equity
363.51
+7.86%
337.03
—
Capital Stock
228.47
-4.66%
239.63
—
Common Stock
214.82
-4.94%
225.98
—
Preferred Stock
13.65
+0.00%
13.65
—
Share Issued
25.96
-4.70%
27.25
—
Ordinary Shares Number
25.96
-4.70%
27.25
—
Additional Paid In Capital
2.51
+55.89%
1.61
—
Retained Earnings
146.04
+33.57%
109.33
—
Gains Losses Not Affecting Retained Earnings
0.13
+32.32%
0.10
—
Other Equity Adjustments
0.13
+32.32%
0.10
—
Total Equity Gross Minority Interest
377.16
+7.55%
350.68
—
Total Capitalization
484.01
+6.23%
455.63
—
Invested Capital
470.36
+6.42%
441.98
—
Total Debt
110.62
+1.10%
109.42
—
Net Debt
—
16.37
—
Capital Lease Obligations
3.77
-15.66%
4.47
—
Net Tangible Assets
368.61
+7.86%
341.74
—
Tangible Book Value
354.97
+8.19%
328.09
—
Available For Sale Securities
167.94
+18.63%
141.56
—
Cash Cash Equivalents And Federal Funds Sold
132.24
+49.29%
88.58
—
Derivative Product Liabilities
—
—
—
Preferred Shares Number
1.46
+0.00%
1.46
+0.00%
1.46
Preferred Stock Equity
13.65
+0.00%
13.65
+0.00%
13.65
Line Item Trend 2025-10-31 2024-10-31 2023-10-31 2022-10-31
Operating Cash Flow
44.45
-83.70%
272.70
+187.92%
94.72
+390.06%
-32.65
Cash Flow From Continuing Operating Activities
44.45
-83.70%
272.70
+187.92%
94.72
+390.06%
-32.65
Net Income From Continuing Operations
28.46
-28.40%
39.75
-5.73%
42.16
+86.08%
22.66
Depreciation Amortization Depletion
3.10
+17.73%
2.63
+47.73%
1.78
-8.00%
1.94
Amortization Cash Flow
3.10
+17.73%
2.63
+47.73%
1.78
-8.00%
1.94
Depreciation And Amortization
3.10
+17.73%
2.63
+47.73%
1.78
-8.00%
1.94
Amortization Of Intangibles
3.10
+17.73%
2.63
+47.73%
1.78
-8.00%
1.94
Other Non Cash Items
-116.17
-13.16%
-102.66
-2.60%
-100.05
-30.50%
-76.67
Stock Based Compensation
0.08
-76.72%
0.35
-61.38%
0.90
-38.58%
1.47
Asset Impairment Charge
0.00
-100.00%
0.41
0.00
—
Deferred Tax
13.04
-13.36%
15.04
-2.83%
15.48
+56.55%
9.89
Deferred Income Tax
13.04
-13.36%
15.04
-2.83%
15.48
+56.55%
9.89
Operating Gains Losses
3.06
+296.22%
-1.56
-114.85%
10.51
+10.74%
9.49
Net Foreign Currency Exchange Gain Loss
3.06
+296.22%
-1.56
-114.85%
10.51
+10.74%
9.49
Change In Working Capital
16.55
-92.80%
229.86
+1747.78%
12.44
+116.56%
-75.13
Change In Other Working Capital
846.34
+57.40%
537.71
-37.68%
862.83
+7.14%
805.35
Investing Cash Flow
212.26
+234.70%
-157.58
-460.00%
-28.14
+80.13%
-141.61
Cash Flow From Continuing Investing Activities
212.26
+234.70%
-157.58
-460.00%
-28.14
+80.13%
-141.61
Net PPE Purchase And Sale
-0.95
+94.86%
-18.58
-5032.04%
-0.36
+37.69%
-0.58
Purchase Of PPE
-0.95
+94.86%
-18.58
-5032.04%
-0.36
+37.69%
-0.58
Capital Expenditure
-0.95
+94.86%
-18.58
-5032.04%
-0.36
+37.69%
-0.58
Net Investment Purchase And Sale
213.21
+268.03%
-126.89
-356.80%
-27.78
+80.30%
-141.03
Purchase Of Investment
-5.32
+95.81%
-126.89
-356.80%
-27.78
+80.30%
-141.03
Sale Of Investment
218.53
—
—
—
Net Business Purchase And Sale
0.00
+100.00%
-12.12
0.00
0.00
Purchase Of Business
0.00
+100.00%
-12.12
0.00
0.00
Financing Cash Flow
102.04
+537.35%
-23.33
-34.77%
-17.31
-174.75%
-6.30
Cash Flow From Continuing Financing Activities
102.04
+537.35%
-23.33
-34.77%
-17.31
-174.75%
-6.30
Net Issuance Payments Of Debt
-0.37
+93.60%
-5.74
-719.43%
-0.70
-9.03%
-0.64
Issuance Of Debt
—
—
—
0.00
Repayment Of Debt
-0.37
+93.60%
-5.74
-719.43%
-0.70
-9.03%
-0.64
Long Term Debt Issuance
—
—
—
0.00
Long Term Debt Payments
-0.37
+93.60%
-5.74
-719.43%
-0.70
-9.03%
-0.64
Net Long Term Debt Issuance
-0.37
+93.60%
-5.74
-719.43%
-0.70
-9.03%
-0.64
Net Common Stock Issuance
105.64
+17304.45%
0.61
+104.66%
-13.01
-574.20%
-1.93
Common Stock Payments
-9.13
0.00
+100.00%
-13.29
-588.70%
-1.93
Cash Dividends Paid
-3.23
+9.84%
-3.59
+0.33%
-3.60
+3.46%
-3.73
Repurchase Of Capital Stock
-9.13
+37.55%
-14.62
-9.95%
-13.29
-588.70%
-1.93
Changes In Cash
358.75
+290.84%
91.79
+86.32%
49.27
+127.28%
-180.57
Effect Of Exchange Rate Changes
-2.30
-287.89%
1.22
+121.81%
-5.60
-135.96%
-2.38
Beginning Cash Position
225.25
+70.33%
132.24
+49.29%
88.58
-67.38%
271.52
End Cash Position
581.71
+158.25%
225.25
+70.33%
132.24
+49.29%
88.58
Free Cash Flow
43.50
-82.88%
254.13
+169.33%
94.36
+383.90%
-33.23
Common Stock Issuance
114.77
+18808.07%
0.61
+116.79%
0.28
0.00
Interest Paid CFO
-186.92
-11.49%
-167.66
-78.77%
-93.79
-160.82%
-35.96
Interest Received CFO
293.42
+5.97%
276.88
+25.41%
220.78
+90.30%
116.01
Issuance Of Capital Stock
114.77
+18808.07%
0.61
+116.79%
0.28
0.00
Net Preferred Stock Issuance
0.00
+100.00%
-14.62
0.00
0.00
Preferred Stock Payments
0.00
+100.00%
-14.62
0.00
0.00
Taxes Refund Paid
-14.43
+26.83%
-19.72
-23.62%
-15.95
-154.20%
-6.28
SEC Filings

No SEC filings found for this symbol (may be non-US or ticker not in SEC index).

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