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VersaBank Common Shares (VBNK)
Price$19.23
Value ScoreD
Growth ScoreC
Momentum ScoreA
Favorite Metrics
Price vs S&P 500 (26W)55.19%
Price vs S&P 500 (4W)4.58%
VGM Score62.19
Market Capitalization$637.95M
P/E Ratio (Annual)31.19x
Indicated Dividend Yield (Annual)0.41%
All Metrics
P/CF (Annual)19.97x
Book Value / Share (Quarterly)$12.17
P/TBV (Annual)1.03x
Indicated Dividend (Annual)$0.07
Revenue Growth (3Y)12.82%
Cash Flow / Share (Quarterly)$4.25
Payout Ratio (TTM)10.26%
Price vs S&P 500 (YTD)24.25%
Net Profit Margin (TTM)34.82%
EPS (TTM)$0.70
10-Day Avg Trading Volume0.03M
EPS Excl Extra (TTM)$0.70
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)$2.43
P/E Basic Excl Extra (TTM)28.28x
Revenue Growth QoQ (YoY)75.82%
EPS Growth (5Y)-0.35%
P/E Normalized (Annual)31.19x
ROA (Last FY)0.49%
Revenue Growth TTM (YoY)88.94%
EBITD / Share (TTM)$1.58
ROE (5Y Avg)7.94%
Operating Margin (TTM)49.18%
Cash Flow / Share (Annual)$0.98
P/B Ratio1.63x
P/B Ratio (Quarterly)1.27x
Net Income / Employee (Annual)$156,103
ROA (TTM)0.56%
EPS Growth QoQ (YoY)23.55%
EV / EBITDA (TTM)18.01x
EPS Incl Extra (Annual)$0.65
3-Month Avg Trading Volume0.03M
52-Week Price Return90.27%
EV / Free Cash Flow (Annual)22.80x
P/E Incl Extra (TTM)28.28x
Tangible BV / Share (Quarterly)$11.94
P/S Ratio (Annual)3.29x
52-Week High$28.80
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 Return63.12%
13-Week Price Return36.33%
Total Debt / Equity (Annual)0.20x
Enterprise Value$712.67M
Revenue / Share Growth (5Y)7.41%
Book Value / Share Growth (5Y)5.45%
Revenue / Employee (Annual)$550,844,409,179
Pretax Margin (Annual)39.50%
Cash / Share (Annual)$2.34
3-Month Return Std Dev45.69%
Net Income / Employee (TTM)$172,202
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)3.08x
EV / Free Cash Flow (TTM)5.23x
Total Debt / Equity (Quarterly)0.19x
EPS Incl Extra (TTM)$0.70
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)$2.16
Tangible BV / Share (Annual)$11.75
Forward P/E13.00x
Free OCF CAGR (5Y)-20.78%
Price vs S&P 500 (52W)65.90%
P/E Ratio (TTM)28.28x
EPS Growth TTM (YoY)-26.33%
Year-to-Date Return31.61%
5-Day Price Return8.97%
EPS Normalized (Annual)$0.65
ROA (5Y Avg)0.79%
Net Profit Margin (Annual)27.50%
Month-to-Date Return6.72%
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)4.69x
ROI (5Y Avg)6.00%
P/E Excl Extra (TTM)28.28x
LT Debt / Equity (Quarterly)0.18x
EPS Basic Excl Extra (TTM)$0.70
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)$11.98
Price vs S&P 500 (13W)28.08%
Net Margin Growth (5Y)-9.14%
Dividend Yield (TTM)0.36%
Beta0.77x
P/FCF (Annual)20.41x
Revenue / Share (TTM)$2.80
ROE (TTM)5.89%
52-Week Low$13.92
vGradeD
gGradeC
mGradeA
vgmGradeB
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Analyst Recommendations
Mar 2026
Apr 2026
May 2026
Jun 2026
4.13
4.13
4.13
4.13
Industry Peers — Commercial Banks(64)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
VBNKVersaBank Common Shares | D | C | A | $19.23 |
| RYRoyal Bank of Canada | D | C | A | $194.04 |
| MUFGMitsubishi UFJ Financial Group, Inc. | D | B | A | $19.91 |
| TDToronto Dominion Bank | D | C | A | $113.16 |
| SANBanco Santander S.A. | B | C | B | $12.15 |
| SMFGSumitomo Mitsui Financial Group, Inc American Depositary Shares (each representing 3/5th of a share of common stock) | D | B | A | $23.16 |
| BBVABanco Bilbao Vizcaya Argentaria, S.A. | C | C | C | $22.22 |
| HDBHDFC Bank Limited | D | C | F | $23.41 |
| BMOBank of Montreal | C | B | A | $164.37 |
| CMCanadian Imperial Bank of Commerce | C | B | A | $108.84 |
| IBNICICI Bank Limited | D | C | D | $25.95 |
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.