VersaBank Common Shares (VBNK) Stock Price

VBNKStock

$22.28+84.00%52W

Market Cap$722.30M

P/E36.19x

PEG Ratio—

Div yield0.96%

Beta1.09

VBNK Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)23.97%

Price vs S&P 500 (4W)0.35%

VGM Score55.46

P/E Ratio (Annual)36.19x

Indicated Dividend Yield (Annual)0.96%

P/CF (Annual)23.17x

Book Value / Share (Quarterly)$12.34

P/TBV (Annual)1.03x

Indicated Dividend (Annual)$0.07

Revenue Growth (3Y)12.82%

Cash Flow / Share (Quarterly)$0.22

Payout Ratio (TTM)9.49%

Price vs S&P 500 (YTD)41.73%

Net Profit Margin (TTM)34.82%

EPS (TTM)$0.75

10-Day Avg Trading Volume0.03M

EPS Excl Extra (TTM)$0.75

Revenue Growth (5Y)12.06%

EPS (Annual)$0.64

Dividend / Share (Annual)$0.08

ROI (Annual)4.45%

Net Profit Margin (5Y Avg)33.40%

Cash / Share (Quarterly)$2.39

P/E Basic Excl Extra (TTM)30.42x

Revenue Growth QoQ (YoY)75.82%

EPS Growth (5Y)-0.35%

P/E Normalized (Annual)36.19x

ROA (Last FY)0.49%

Revenue Growth TTM (YoY)88.94%

EBITD / Share (TTM)$1.56

ROE (5Y Avg)7.94%

Operating Margin (TTM)49.18%

Cash Flow / Share (Annual)$0.96

P/B Ratio1.82x

P/B Ratio (Quarterly)1.55x

Net Income / Employee (Annual)$153,697

ROA (TTM)0.54%

EPS Growth QoQ (YoY)53.32%

EV / EBITDA (TTM)18.01x

EPS Incl Extra (Annual)$0.64

3-Month Avg Trading Volume0.04M

52-Week Price Return84.00%

EV / Free Cash Flow (Annual)26.14x

P/E Incl Extra (TTM)30.42x

Tangible BV / Share (Quarterly)$12.18

P/S Ratio (Annual)3.29x

52-Week High$24.06

Operating Margin (5Y Avg)46.47%

EPS Excl Extra (Annual)$0.64

CapEx CAGR (5Y)36.68%

Tangible BV CAGR (5Y)10.38%

26-Week Price Return33.87%

13-Week Price Return5.85%

Total Debt / Equity (Annual)0.20x

Enterprise Value$804.71M

Revenue / Share Growth (5Y)7.41%

Book Value / Share Growth (5Y)5.45%

Revenue / Employee (Annual)$542,353,151,077

Pretax Margin (Annual)39.50%

Cash / Share (Annual)$2.30

3-Month Return Std Dev36.41%

Net Income / Employee (TTM)$182,922

EBITDA CAGR (5Y)16.52%

EBITDA Interim CAGR (5Y)25.31%

ROE (Last FY)5.34%

EPS Basic Excl Extra (Annual)$0.64

P/FCF (TTM)3.57x

EV / Free Cash Flow (TTM)115.08x

Total Debt / Equity (Quarterly)0.19x

EPS Incl Extra (TTM)$0.75

ROI (TTM)5.18%

Dividend Growth Rate (5Y)-11.33%

P/S Ratio (TTM)2.62x

Pretax Margin (5Y Avg)46.47%

Revenue / Share (Annual)$2.13

Tangible BV / Share (Annual)$11.57

Forward P/E12.66x

Free OCF CAGR (5Y)-20.78%

Price vs S&P 500 (52W)68.46%

P/E Ratio (TTM)30.42x

EPS Growth TTM (YoY)10.04%

Year-to-Date Return53.66%

5-Day Price Return0.38%

EPS Normalized (Annual)$0.64

ROA (5Y Avg)0.79%

Net Profit Margin (Annual)27.50%

Month-to-Date Return-0.32%

Cash Flow / Share (TTM)$0.98

EBITD / Share (Annual)$1.00

EPS Growth (3Y)3.01%

Operating Margin (Annual)39.50%

LT Debt / Equity (Annual)0.19x

P/CF (TTM)64.34x

ROI (5Y Avg)6.00%

P/E Excl Extra (TTM)30.42x

LT Debt / Equity (Quarterly)0.18x

EPS Basic Excl Extra (TTM)$0.75

P/TBV (Quarterly)1.57x

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)$11.80

Price vs S&P 500 (13W)3.16%

Net Margin Growth (5Y)-9.14%

Dividend Yield (TTM)0.31%

Beta1.09x

P/FCF (Annual)23.68x

Revenue / Share (TTM)$2.76

ROE (TTM)6.17%

52-Week Low$11.18

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VBNK Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Sep 3, 2026	$0.20	$0.19	-1.71%(-$0.00)
Q1 2026	Jun 3, 2026	$0.19	$0.20	+2.93%(+$0.01)
Q4 2025	Mar 4, 2026	$0.18	$0.20	+10.66%(+$0.02)
Q3 2025	Dec 10, 2025	$0.17	$0.17	-2.35%(-$0.00)
Q2 2025	Sep 4, 2025	$0.13	$0.15	+22.71%(+$0.03)

VBNK Analyst Recommendations

Jun 2026

Jul 2026

Aug 2026

Sep 2026

4.13

Industry Peers — Commercial Banks(85)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
VBNKVersaBank Common Shares	D	C	A	1.6x	6.2%	0.5%	—	$22.28
RYRoyal Bank of Canada	D	C	B	2.8x	16.1%	0.9%	—	$197.80
MUFGMitsubishi UFJ Financial Group, Inc.	D	B	B	1.7x	12.3%	0.6%	—	$21.88
TDToronto Dominion Bank	D	B	B	2.2x	12.8%	0.8%	—	$120.39
SANBanco Santander S.A.	C	C	B	1.6x	15.5%	0.9%	—	$13.30
SMFGSumitomo Mitsui Financial Group, Inc American Depositary Shares (each representing 1.2 shares of Common Stock)	D	B	B	1.5x	10.9%	0.5%	—	$24.75
BBVABanco Bilbao Vizcaya Argentaria, S.A.	B	C	B	2.1x	19.3%	1.3%	—	$25.72
HDBHDFC Bank Limited	D	B	D	2.0x	13.7%	1.7%	—	$23.84
BMOBank of Montreal	C	C	B	2.0x	10.6%	0.6%	—	$167.07
IBNICICI Bank Limited	F	C	C	2.6x	15.7%	2.0%	—	$29.99
CMCanadian Imperial Bank of Commerce	C	C	B	2.3x	15.4%	0.9%	—	$112.48
INGING Groep N.V. American Depositary Shares	B	C	B	1.6x	20.1%	0.9%	—	$33.45
LYGLloyds Banking Group PLC	B	C	C	1.4x	11.0%	0.5%	—	$5.48
BCSBarclays PLC	B	C	D	0.9x	10.0%	0.5%	—	$22.79
NWGNatWest Group plc American Depositary Shares, (each representing two (2) Ordinary Shares)	B	C	B	1.2x	14.7%	0.9%	—	$17.51
FIYYGraniteShares YieldBOOST 20Y Treasuries ETF	—	—	C	—	—	—	—	$23.88
KBKB Financial Group Inc	B	C	D	0.9x	10.5%	0.8%	—	$118.81
BAPCredicorp LTD	D	D	B	2.8x	19.3%	2.7%	—	$390.26
CIBGrupo Cibest S.A. American Depositary Shares (each representing four (4) Preferred Shares)	B	B	C	1.1x	15.4%	1.8%	—	$97.91
BSBRBANCO SANTANDER (BRASIL) SA	A	D	C	0.8x	11.0%	1.1%	—	$5.58
BCHBanco de ChileAmerican Depositary Shares (Each representing 200 shares of Common Stock)	D	C	B	3.2x	21.5%	2.2%	—	$38.91
FNGDMicroSectors FANG+ Index -3X Inverse Leveraged ETNs due January 8, 2038	—	—	F	—	—	—	—	$26.73
WFWoori Financial Group Inc. American Depositary Shares (each representing three (3) shares of Common Stock)	A	C	D	0.5x	8.6%	0.5%	—	$70.04
BSACBanco Santander-Chile	D	D	B	3.0x	22.6%	1.5%	—	$32.70
GGALGrupo Financiero Galicia SA	C	F	C	1.1x	1.2%	0.2%	—	$36.02
IFSIntercorp Financial Services Inc.	B	D	C	1.7x	16.9%	2.1%	—	$54.60
AVALGRUPO AVAL ACCIONES Y VALORES S.A.	B	D	C	1.0x	9.6%	0.5%	—	$4.85
BMABanco Macro S.A.	C	D	B	1.4x	5.3%	1.2%	—	$64.04
INTRInter & Co. Inc. Class A Common Shares	C	A	D	1.2x	15.1%	1.6%	—	$6.73
BBARBanco BBVA Argentina S.A.	C	C	C	1.5x	8.5%	1.2%	—	$12.78
NTBThe Bank of N.T. Butterfield & Son Limited	C	D	C	2.1x	20.7%	1.6%	—	$58.65
BLXBladex, Inc.	B	C	C	1.1x	13.8%	1.8%	—	$54.67
AGBKAGI Inc	F	D	C	2.6x	17.7%	7.3%	2.2x	$7.34
ESQEsquire Financial Holdings, Inc. Common Stock	F	B	C	3.3x	17.8%	2.2%	—	$118.89
PGCPeapack-Gladstone Financial Corp	C	C	B	1.2x	7.7%	0.7%	—	$43.38
SUPVGrupo Supervielle S.A.	B	F	D	1.0x	-7.2%	-0.9%	—	$7.22
AIQDMicroSectors -3x Short Artificial Intelligence (AI) ETNs	—	—	D	—	—	—	—	$49.81
AIQUMicroSectors 3x Long Artificial Intelligence (AI) ETNs	—	—	B	—	—	—	—	$16.07
ATMPiPath Select MLP ETN	B	C	D	0.9x	10.0%	0.5%	—	$35.40
BERZMicroSectors FANG & Innovation -3x Inverse Leveraged ETN	—	—	F	—	—	—	—	$20.25
BNKDMicroSectors U.S. Big Banks -3x Inverse Leveraged ETNs due February 17, 2045	—	—	C	—	—	—	—	$37.52
BNKUMicroSectors U.S. Big Banks 3x Leveraged ETNs due February 17, 2045	—	—	D	—	—	—	—	$30.71
BRZDMicroSectors -3x Short Brazil ETNs	—	—	A	—	—	—	—	$23.11
BRZLMicroSectors 3x Long Brazil ETNs	—	—	F	—	—	—	—	$41.47
BULZMicroSectors FANG & Innovation 3x Leveraged ETN	—	—	B	—	—	—	—	$34.62
CARDMAX Auto Industry -3x Inverse Leveraged ETN	—	—	C	—	—	—	—	$2.91
CARUMAX Auto Industry 3x Leveraged ETN	—	—	F	—	—	—	—	$17.36
DJPiPath Bloomberg Commodity Index Total Return ETN due June 12, 2036	—	—	B	—	—	—	—	$52.72
DULLMicroSectors Gold -3x Inverse Leveraged ETN	—	—	D	—	—	—	—	$63.72
FLYDMicroSectors Travel -3x Inverse Leveraged ETN	—	—	D	—	—	—	—	$53.79
FLYUMicroSectors Travel 3x Leveraged ETN	—	—	F	—	—	—	—	$34.46

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.