VersaBank

VBNK | NASDAQ

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$22.79

$0 (0.00%)

At close: Sep 21, 2026, 4:00 PM ET

$22.79

$0 (0.00%)

After-hours: Sep 21, 2026, 7:30 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $733.74M

Enterprise Value $645.09M

Beta 1.09

Average Volume 105.8K

Shares Outstanding (Diluted) 23.01M

Shares Change YoY -28.92%

Institutional Ownership 48.98%

Exchange NASDAQ

ISIN CA92512J1066

Price Performance

Price Change 1M 15.9%

Price Change 3M 20.1%

Price Change 6M 63.3%

Price Change YTD 52.0%

Price Change 1Y 77.9%

Price Change 3Y 185.2%

Price Change 5Y 107.4%

1M CAGR (ann.) 19.3%

1Y CAGR (ann.) 83.2%

5Y CAGR (ann.) 18.1%

All-Time CAGR 23.3%

Valuation

PE Ratio 30.07

Forward PE 11.95

PEG Ratio 2.59

Forward PEG 0.45

PS Ratio 2.97

Forward PS 4.80

PB Ratio 1.82

P/FCF Ratio 11.24

P/Adj. FCF Ratio 11.24

P/OCF Ratio 9.34

EV/Sales 1.88

EV/EBIT 13.01

EV/EBITDA 12.31

EV/FCF 7.14

Earnings Yield 3.3%

FCF Yield 8.8%

Adj. FCF Yield 8.8%

Financial Health

Net Cash C$386.45M

Total Debt C$107.3M

Cash & Short-Term Investments C$490.3M

Total Assets C$6.88B

Current Ratio 0.09

Quick Ratio 0.09

Debt / Equity Ratio 0.19

Debt / EBITDA 2.05

Debt / FCF 1.19

OCF / Debt 0.90

Interest Coverage 0.26

Altman Z-Score -0.72

Piotroski F-Score 6

Margins & Profitability

Gross Profit Margin 42.9%

Operating Profit Margin 14.5%

EBITDA Margin 15.3%

Net Profit Margin 9.9%

FCF Margin 26.4%

Adj. FCF Margin 26.4%

SBC / Revenue 0.0%

SBC Impact (per share) 0.0%

Returns

Return on Assets 0.5%

Return on Equity 6.2%

Return on Invested Capital 3.5%

Return on Capital Employed 5.1%

Return on Tangible Assets 0.5%

Historical Growth (CAGR)

Revenue CAGR 3Y 17.2%

Revenue CAGR 5Y 30.7%

Revenue CAGR 10Y 17.2%

EPS CAGR 3Y -7.8%

EPS CAGR 5Y 2.2%

EPS CAGR 10Y 10.7%

FCF CAGR 3Y -30.0%

FCF CAGR 5Y 170.7%

FCF CAGR 10Y 28.9%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 2

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Dec 8, 2026

EPS Estimate (next Q) $0.26

EPS Growth Est (next Q) 50.0%

Revenue Est (next Q) $21.51M

Revenue Growth Est (next Q) 20.6%

Fair Value Estimates

Graham Number $14.52

Graham Upside -36.3%

Lynch Fair Value $3.79

Lynch Upside -83.4%

Price Target $24

Price Target Upside 5.3%

Cash Flow

Operating Cash Flow C$96.54M

Free Cash Flow C$90.41M

Adj. Free Cash Flow C$90.4M

FCF Per Share $3.19

OCF Per Share $3.38

OCF/S Ratio 32.0%

Income Statement

Revenue C$342.34M

Gross Profit C$146.97M

Operating Income C$49.6M

EBITDA C$52.39M

Net Income C$33.98M

EPS (Diluted) $1.05

Revenue / Employee $2.61M

Profit / Employee $259.42K

Employees 131

Dividends

Annual Dividend $0.07

Dividend Yield 0.31%

Payout Ratio 6.8%

FCF Payout Ratio 3.6%

Adj. FCF Payout Ratio 3.6%

Dividend Growth (YoY) 0.0%

Pay Frequency Quarterly

Ex-Dividend Date Oct 8, 2026