VersaBank Common Shares (VBNK) Stock Price

VBNKStock

$19.61+80.03%52W

Market Cap$631.36M

P/E31.10x

PEG Ratio—

Div yield0.37%

Beta1.09

VBNK Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)5.69%

Price vs S&P 500 (4W)-5.63%

VGM Score51.74

P/E Ratio (Annual)31.10x

Indicated Dividend Yield (Annual)0.37%

P/CF (Annual)19.91x

Book Value / Share (Quarterly)$12.39

P/TBV (Annual)1.03x

Indicated Dividend (Annual)$0.07

Revenue Growth (3Y)12.82%

Cash Flow / Share (Quarterly)$5.35

Payout Ratio (TTM)10.57%

Price vs S&P 500 (YTD)20.58%

Net Profit Margin (TTM)34.82%

EPS (TTM)$0.68

10-Day Avg Trading Volume0.02M

EPS Excl Extra (TTM)$0.68

Revenue Growth (5Y)12.06%

EPS (Annual)$0.65

Dividend / Share (Annual)$0.08

ROI (Annual)4.45%

Net Profit Margin (5Y Avg)33.40%

Cash / Share (Quarterly)$2.45

P/E Basic Excl Extra (TTM)29.13x

Revenue Growth QoQ (YoY)75.82%

EPS Growth (5Y)-0.35%

P/E Normalized (Annual)31.10x

ROA (Last FY)0.49%

Revenue Growth TTM (YoY)88.94%

EBITD / Share (TTM)$1.59

ROE (5Y Avg)7.94%

Operating Margin (TTM)49.18%

Cash Flow / Share (Annual)$0.98

P/B Ratio1.60x

P/B Ratio (Quarterly)1.41x

Net Income / Employee (Annual)$156,940

ROA (TTM)0.51%

EPS Growth QoQ (YoY)-10.60%

EV / EBITDA (TTM)18.01x

EPS Incl Extra (Annual)$0.65

3-Month Avg Trading Volume0.03M

52-Week Price Return80.03%

EV / Free Cash Flow (Annual)22.75x

P/E Incl Extra (TTM)29.13x

Tangible BV / Share (Quarterly)$12.22

P/S Ratio (Annual)3.29x

52-Week High$24.57

Operating Margin (5Y Avg)46.47%

EPS Excl Extra (Annual)$0.65

CapEx CAGR (5Y)36.68%

Tangible BV CAGR (5Y)10.38%

26-Week Price Return17.82%

13-Week Price Return10.82%

Total Debt / Equity (Annual)0.20x

Enterprise Value$714.86M

Revenue / Share Growth (5Y)7.41%

Book Value / Share Growth (5Y)5.45%

Revenue / Employee (Annual)$553,798,511,072

Pretax Margin (Annual)39.50%

Cash / Share (Annual)$2.35

3-Month Return Std Dev45.42%

Net Income / Employee (TTM)$167,562

EBITDA CAGR (5Y)16.52%

EBITDA Interim CAGR (5Y)25.31%

ROE (Last FY)5.34%

EPS Basic Excl Extra (Annual)$0.65

P/FCF (TTM)3.07x

EV / Free Cash Flow (TTM)4.15x

Total Debt / Equity (Quarterly)0.19x

EPS Incl Extra (TTM)$0.68

ROI (TTM)4.72%

Dividend Growth Rate (5Y)-11.33%

P/S Ratio (TTM)2.62x

Pretax Margin (5Y Avg)46.47%

Revenue / Share (Annual)$2.17

Tangible BV / Share (Annual)$11.81

Forward P/E13.60x

Free OCF CAGR (5Y)-20.78%

Price vs S&P 500 (52W)59.55%

P/E Ratio (TTM)29.13x

EPS Growth TTM (YoY)-16.19%

Year-to-Date Return31.90%

5-Day Price Return-2.49%

EPS Normalized (Annual)$0.65

ROA (5Y Avg)0.79%

Net Profit Margin (Annual)27.50%

Month-to-Date Return-0.04%

Cash Flow / Share (TTM)$1.00

EBITD / Share (Annual)$1.02

EPS Growth (3Y)3.01%

Operating Margin (Annual)39.50%

LT Debt / Equity (Annual)0.19x

P/CF (TTM)3.62x

ROI (5Y Avg)6.00%

P/E Excl Extra (TTM)29.13x

LT Debt / Equity (Quarterly)0.18x

EPS Basic Excl Extra (TTM)$0.68

P/TBV (Quarterly)1.43x

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)$12.05

Price vs S&P 500 (13W)7.52%

Net Margin Growth (5Y)-9.14%

Dividend Yield (TTM)0.36%

Beta1.09x

P/FCF (Annual)20.35x

Revenue / Share (TTM)$2.81

ROE (TTM)5.64%

52-Week Low$10.62

vGradeD

gGradeC

mGradeB

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VBNK Earnings Surprise History

Q2 250.16est. 0.13

Q3 250.17est. 0.18

Q4 250.20est. 0.18

Q1 260.20est. 0.20

VBNK Analyst Recommendations

May 2026

Jun 2026

Jul 2026

Aug 2026

4.13

Industry Peers — Commercial Banks(68)

Symbol	Value Score	Growth Score	Momentum Score	Price
VBNKVersaBank Common Shares	D	C	B	$19.61
RYRoyal Bank of Canada	D	C	C	$207.09
MUFGMitsubishi UFJ Financial Group, Inc.	D	B	A	$22.23
SANBanco Santander S.A.	C	C	A	$14.63
TDToronto Dominion Bank	D	C	C	$119.07
SMFGSumitomo Mitsui Financial Group, Inc American Depositary Shares (each representing 3/5th of a share of common stock)	D	B	B	$25.18
BBVABanco Bilbao Vizcaya Argentaria, S.A.	B	C	A	$28.95
BMOBank of Montreal	C	B	C	$173.46
HDBHDFC Bank Limited	D	C	D	$23.63
IBNICICI Bank Limited	F	C	C	$30.39
CMCanadian Imperial Bank of Commerce	C	B	C	$118.33
INGING Groep N.V. American Depositary Shares	B	C	B	$35.30
BCSBarclays PLC	B	C	C	$27.23
LYGLloyds Banking Group PLC	B	C	C	$6.08
NWGNatWest Group plc American Depositary Shares, (each representing two (2) Ordinary Shares)	B	C	B	$18.87
FIYYGraniteShares YieldBOOST 20Y Treasuries ETF	—	—	D	$24.61
BSBRBANCO SANTANDER (BRASIL) SA	A	D	C	$5.80
KBKB Financial Group Inc	B	C	D	$120.75
BAPCredicorp LTD	C	D	B	$383.30
CIBGrupo Cibest S.A. American Depositary Shares (each representing four (4) Preferred Shares)	B	B	D	$103.26
BCHBanco de ChileAmerican Depositary Shares (Each representing 200 shares of Common Stock)	C	C	B	$42.65
FNGDMicroSectors FANG+ Index -3X Inverse Leveraged ETNs due January 8, 2038	—	—	F	$28.19
WFWoori Financial Group Inc. American Depositary Shares (each representing three (3) shares of Common Stock)	A	C	D	$70.97
BSACBanco Santander-Chile	D	D	B	$36.15
GGALGrupo Financiero Galicia SA	C	F	C	$44.20
AVALGRUPO AVAL ACCIONES Y VALORES S.A.	B	D	D	$5.54
IFSIntercorp Financial Services Inc.	B	C	B	$54.57
BMABanco Macro S.A.	D	F	B	$77.77
BBARBanco BBVA Argentina S.A.	D	F	C	$14.80
INTRInter & Co. Inc. Class A Common Shares	B	A	F	$5.64
NTBThe Bank of N.T. Butterfield & Son Limited	C	D	C	$58.35
BLXBladex, Inc.	B	C	D	$54.58
ESQEsquire Financial Holdings, Inc. Common Stock	F	B	D	$112.86
AGBKAGI Inc	F	D	D	$6.23
SUPVGrupo Supervielle S.A.	B	—	D	$8.78
PGCPeapack-Gladstone Financial Corp	C	B	B	$45.15
AIQDMicroSectors -3x Short Artificial Intelligence (AI) ETNs	—	—	A	$56.14
AIQUMicroSectors 3x Long Artificial Intelligence (AI) ETNs	—	—	F	$16.52
ATMPiPath Select MLP ETN	B	C	C	$36.44
BERZMicroSectors FANG & Innovation -3x Inverse Leveraged ETN	—	—	F	$21.66
BNKDMicroSectors U.S. Big Banks -3x Inverse Leveraged ETNs due February 17, 2045	—	—	F	$26.81
BNKUMicroSectors U.S. Big Banks 3x Leveraged ETNs due February 17, 2045	—	—	A	$45.32
BULZMicroSectors FANG & Innovation 3x Leveraged ETN	—	—	C	$35.50
CARDMAX Auto Industry -3x Inverse Leveraged ETN	—	—	F	$2.25
CARUMAX Auto Industry 3x Leveraged ETN	—	—	C	$23.77
DJPiPath Bloomberg Commodity Index Total Return ETN due June 12, 2036	—	—	B	$49.81
DULLMicroSectors Gold -3x Inverse Leveraged ETN	—	—	F	$47.03
FLYDMicroSectors Travel -3x Inverse Leveraged ETN	—	—	F	$39.09
FLYUMicroSectors Travel 3x Leveraged ETN	—	—	C	$51.52
FNGOMicroSectors FANG+ Index 2X Leveraged ETNs due January 8, 2038	—	—	B	$146.27
FNGSMicroSectors FANG+ ETNs due January 8, 2038	—	—	C	$78.85

About VersaBank Common Shares

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.