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VersaBank Common Shares (VBNK)
Price$17.66
Favorite Metrics
Price vs S&P 500 (26W)30.43%
Price vs S&P 500 (4W)17.89%
Market Capitalization$513.22M
P/E Ratio (Annual)24.62x
Indicated Dividend Yield (Annual)0.42%
All Metrics
P/CF (Annual)15.76x
Book Value / Share (Quarterly)$12.40
P/TBV (Annual)1.03x
Indicated Dividend (Annual)$0.07
Revenue Growth (3Y)12.82%
Cash Flow / Share (Quarterly)$4.33
Payout Ratio (TTM)10.26%
Price vs S&P 500 (YTD)14.08%
Net Profit Margin (TTM)34.82%
EPS (TTM)$0.71
10-Day Avg Trading Volume0.04M
EPS Excl Extra (TTM)$0.71
Revenue Growth (5Y)12.06%
EPS (Annual)$0.66
Dividend / Share (Annual)$0.08
ROI (Annual)4.45%
Net Profit Margin (5Y Avg)33.40%
Cash / Share (Quarterly)$2.48
P/E Basic Excl Extra (TTM)22.33x
Revenue Growth QoQ (YoY)75.82%
EPS Growth (5Y)-0.35%
P/E Normalized (Annual)24.62x
ROA (Last FY)0.49%
Revenue Growth TTM (YoY)88.94%
EBITD / Share (TTM)$1.11
ROE (5Y Avg)7.94%
Operating Margin (TTM)49.18%
Cash Flow / Share (Annual)$1.00
P/B Ratio1.29x
P/B Ratio (Quarterly)1.27x
Net Income / Employee (Annual)$0
ROA (TTM)0.56%
EPS Growth QoQ (YoY)23.55%
EV / EBITDA (TTM)16.44x
EPS Incl Extra (Annual)$0.66
3-Month Avg Trading Volume0.03M
52-Week Price Return55.87%
EV / Free Cash Flow (Annual)18.50x
P/E Incl Extra (TTM)22.33x
Tangible BV / Share (Quarterly)$12.17
P/S Ratio (Annual)3.29x
52-Week High$24.10
Operating Margin (5Y Avg)46.47%
EPS Excl Extra (Annual)$0.66
CapEx CAGR (5Y)36.68%
Tangible BV CAGR (5Y)10.38%
26-Week Price Return39.18%
13-Week Price Return10.78%
Total Debt / Equity (Annual)0.20x
Enterprise Value$589.372
Revenue / Share Growth (5Y)7.41%
Book Value / Share Growth (5Y)5.45%
Revenue / Employee (Annual)$561,357
Pretax Margin (Annual)39.50%
Cash / Share (Annual)$2.38
3-Month Return Std Dev43.98%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)9.87%
EBITDA Interim CAGR (5Y)16.11%
ROE (Last FY)5.34%
EPS Basic Excl Extra (Annual)$0.66
P/FCF (TTM)2.43x
EV / Free Cash Flow (TTM)4.25x
Total Debt / Equity (Quarterly)0.19x
EPS Incl Extra (TTM)$0.71
ROI (TTM)4.92%
Dividend Growth Rate (5Y)-11.33%
P/S Ratio (TTM)2.62x
Pretax Margin (5Y Avg)46.47%
Revenue / Share (Annual)$2.20
Tangible BV / Share (Annual)$11.97
Forward P/E14.91x
Free OCF CAGR (5Y)-20.78%
Price vs S&P 500 (52W)20.77%
P/E Ratio (TTM)22.33x
EPS Growth TTM (YoY)-26.33%
Year-to-Date Return17.32%
5-Day Price Return6.65%
EPS Normalized (Annual)$0.66
ROA (5Y Avg)0.79%
Net Profit Margin (Annual)27.50%
Month-to-Date Return21.34%
Cash Flow / Share (TTM)$1.02
EBITD / Share (Annual)$1.04
EPS Growth (3Y)3.01%
Operating Margin (Annual)39.50%
LT Debt / Equity (Annual)0.19x
P/CF (TTM)3.70x
ROI (5Y Avg)6.00%
P/E Excl Extra (TTM)22.33x
LT Debt / Equity (Quarterly)0.18x
EPS Basic Excl Extra (TTM)$0.71
P/TBV (Quarterly)1.29x
Payout Ratio (Annual)11.37%
P/B Ratio (Annual)1.01x
Dividend / Share (TTM)$0.07
Pretax Margin (TTM)49.18%
Book Value / Share (Annual)$12.21
Price vs S&P 500 (13W)7.91%
Net Margin Growth (5Y)-9.14%
Dividend Yield (TTM)0.46%
Beta1.12x
P/FCF (Annual)16.11x
Revenue / Share (TTM)$2.85
ROE (TTM)5.89%
52-Week Low$13.79
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.13
4.13
4.13
4.13
Industry Peers — Commercial Banks(31)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
VBNKVersaBank Common Shares | 1.27x | 5.89% | 0.56% | — | $17.66 |
RYRoyal Bank of Canada | 2.31x | 15.37% | 0.92% | — | $180.01 |
MUFGMitsubishi UFJ Financial Group, Inc. | 1.30x | 9.31% | 0.47% | — | $18.23 |
SANBanco Santander S.A. | 1.46x | 24.07% | 1.33% | — | $12.68 |
SMFGSumitomo Mitsui Financial Group, Inc American Depositary Shares (each representing 3/5th of a share of common stock) | 1.24x | 9.58% | 0.47% | — | $21.21 |
BBVABanco Bilbao Vizcaya Argentaria, S.A. | 2.01x | 32.59% | 2.30% | — | $23.20 |
HDBHDFC Bank Limited | 2.70x | 13.72% | 1.66% | — | $26.58 |
BMOBank of Montreal | 1.57x | 10.47% | 0.62% | — | $153.39 |
IBNICICI Bank Limited | 2.75x | 15.95% | 1.97% | — | $28.75 |
CMCanadian Imperial Bank of Commerce | 1.84x | 14.76% | 0.84% | — | $109.99 |
ATMPiPath Select MLP ETN | 0.85x | 14.40% | 0.69% | — | $32.99 |
About
VersaBank is a Schedule I Canadian bank providing commercial lending and digital banking solutions to underserved niche markets in Canada and the United States. The bank operates four segments: Digital Banking Canada and USA (its primary revenue drivers, utilizing proprietary fintech), DRTC (cybersecurity and financial technology development), and Digital Meteor (advancing technology for digital assets). This specialized approach enables VersaBank to serve markets traditionally underbanked by large institutional competitors.