VERSABANK (VBNK.CA) Fundamental Analysis & Valuation

TSX:VBNK • CA92512J1066

Current stock price

19.34 CAD
+0.22 (+1.15%)
Last:

This VBNK.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. VBNK.CA Profitability Analysis

1.1 Basic Checks

  • In the past year VBNK was profitable.
  • In the past year VBNK had a positive cash flow from operations.
  • In the past 5 years VBNK has always been profitable.
  • In multiple years VBNK reported negative operating cash flow during the last 5 years.
VBNK.CA Yearly Net Income VS EBIT VS OCF VS FCFVBNK.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M

1.2 Ratios

  • VBNK's Return On Assets of 0.51% is on the low side compared to the rest of the industry. VBNK is outperformed by 79.17% of its industry peers.
  • VBNK has a worse Return On Equity (5.78%) than 87.50% of its industry peers.
Industry RankSector Rank
ROA 0.51%
ROE 5.78%
ROIC N/A
ROA(3y)0.76%
ROA(5y)0.76%
ROE(3y)8.66%
ROE(5y)7.68%
ROIC(3y)N/A
ROIC(5y)N/A
VBNK.CA Yearly ROA, ROE, ROICVBNK.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • With a Profit Margin value of 23.54%, VBNK perfoms like the industry average, outperforming 41.67% of the companies in the same industry.
  • VBNK's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for VBNK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 23.54%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.61%
PM growth 5Y-6.42%
GM growth 3YN/A
GM growth 5YN/A
VBNK.CA Yearly Profit, Operating, Gross MarginsVBNK.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. VBNK.CA Health Analysis

2.1 Basic Checks

  • VBNK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for VBNK has been increased compared to 1 year ago.
  • Compared to 5 years ago, VBNK has more shares outstanding
  • Compared to 1 year ago, VBNK has an improved debt to assets ratio.
VBNK.CA Yearly Shares OutstandingVBNK.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
VBNK.CA Yearly Total Debt VS Total AssetsVBNK.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • The Debt to FCF ratio of VBNK is 0.55, which is an excellent value as it means it would take VBNK, only 0.55 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of VBNK (0.55) is better than 100.00% of its industry peers.
  • A Debt/Equity ratio of 0.19 indicates that VBNK is not too dependend on debt financing.
  • VBNK has a Debt to Equity ratio of 0.19. This is amongst the best in the industry. VBNK outperforms 100.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 0.55
Altman-Z N/A
ROIC/WACCN/A
WACC24.94%
VBNK.CA Yearly LT Debt VS Equity VS FCFVBNK.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
VBNK.CA Yearly Current Assets VS Current LiabilitesVBNK.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. VBNK.CA Growth Analysis

3.1 Past

  • VBNK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -24.03%.
  • Measured over the past 5 years, VBNK shows a small growth in Earnings Per Share. The EPS has been growing by 1.95% on average per year.
  • VBNK shows a strong growth in Revenue. In the last year, the Revenue has grown by 20.54%.
  • The Revenue has been growing by 18.13% on average over the past years. This is quite good.
EPS 1Y (TTM)-24.03%
EPS 3Y4.83%
EPS 5Y1.95%
EPS Q2Q%25%
Revenue 1Y (TTM)20.54%
Revenue growth 3Y14.8%
Revenue growth 5Y18.13%
Sales Q2Q%31.71%

3.2 Future

  • Based on estimates for the next years, VBNK will show a very strong growth in Earnings Per Share. The EPS will grow by 67.06% on average per year.
  • Based on estimates for the next years, VBNK will show a very strong growth in Revenue. The Revenue will grow by 30.96% on average per year.
EPS Next Y91.67%
EPS Next 2Y67.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year32.06%
Revenue Next 2Y30.96%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
VBNK.CA Yearly Revenue VS EstimatesVBNK.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
VBNK.CA Yearly EPS VS EstimatesVBNK.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2 2.5

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Find the best growth stocksShow best growing peers

5

4. VBNK.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 19.73, the valuation of VBNK can be described as rather expensive.
  • VBNK's Price/Earnings ratio is rather expensive when compared to the industry. VBNK is more expensive than 95.83% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 24.88. VBNK is valued slightly cheaper when compared to this.
  • Based on the Price/Forward Earnings ratio of 7.61, the valuation of VBNK can be described as very cheap.
  • 62.50% of the companies in the same industry are cheaper than VBNK, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, VBNK is valued rather cheaply.
Industry RankSector Rank
PE 19.73
Fwd PE 7.61
VBNK.CA Price Earnings VS Forward Price EarningsVBNK.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • 79.17% of the companies in the same industry are more expensive than VBNK, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 3.27
EV/EBITDA N/A
VBNK.CA Per share dataVBNK.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • VBNK's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • VBNK's earnings are expected to grow with 67.06% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.22
PEG (5Y)10.11
EPS Next 2Y67.06%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

2

5. VBNK.CA Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.53%, VBNK is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 3.05, VBNK's dividend is way lower than its industry peers. On top of this 95.83% of the companies listed in the same industry pay a better dividend than VBNK!
  • Compared to an average S&P500 Dividend Yield of 1.90, VBNK's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.53%

5.2 History

  • The dividend of VBNK decreases each year by -11.33%.
  • VBNK has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)-11.33%
Div Incr Years0
Div Non Decr Years0
VBNK.CA Yearly Dividends per shareVBNK.CA Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.05 0.1 0.15

5.3 Sustainability

  • VBNK pays out 10.26% of its income as dividend. This is a sustainable payout ratio.
DP10.26%
EPS Next 2Y67.06%
EPS Next 3YN/A
VBNK.CA Yearly Income VS Free CF VS DividendVBNK.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M
VBNK.CA Dividend Payout.VBNK.CA Dividend Payout, showing the Payout Ratio.VBNK.CA Dividend Payout.PayoutRetained Earnings

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VBNK.CA Fundamentals: All Metrics, Ratios and Statistics

VERSABANK

TSX:VBNK (3/27/2026, 7:00:00 PM)

19.34

+0.22 (+1.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)03-03
Earnings (Next)06-02
Inst Owners36.27%
Inst Owner ChangeN/A
Ins Owners0.87%
Ins Owner ChangeN/A
Market Cap620.23M
Revenue(TTM)133.33M
Net Income(TTM)31.38M
Analysts82.5
Price Target17.85 (-7.7%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.53%
Yearly Dividend0.11
Dividend Growth(5Y)-11.33%
DP10.26%
Div Incr Years0
Div Non Decr Years0
Ex-Date04-10
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-29.24%
Min EPS beat(2)-45.36%
Max EPS beat(2)-13.13%
EPS beat(4)0
Avg EPS beat(4)-26.7%
Min EPS beat(4)-45.36%
Max EPS beat(4)-10.56%
EPS beat(8)0
Avg EPS beat(8)-26.77%
EPS beat(12)3
Avg EPS beat(12)-16.93%
EPS beat(16)4
Avg EPS beat(16)-13.86%
Revenue beat(2)0
Avg Revenue beat(2)-5.5%
Min Revenue beat(2)-8.86%
Max Revenue beat(2)-2.15%
Revenue beat(4)1
Avg Revenue beat(4)-3.7%
Min Revenue beat(4)-8.86%
Max Revenue beat(4)1.29%
Revenue beat(8)1
Avg Revenue beat(8)-8.04%
Revenue beat(12)1
Avg Revenue beat(12)-8.67%
Revenue beat(16)4
Avg Revenue beat(16)-5.52%
PT rev (1m)0%
PT rev (3m)-11.76%
EPS NQ rev (1m)-16.47%
EPS NQ rev (3m)-16.47%
EPS NY rev (1m)4.59%
EPS NY rev (3m)-0.87%
Revenue NQ rev (1m)-3.03%
Revenue NQ rev (3m)-3.03%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.99%
Valuation
Industry RankSector Rank
PE 19.73
Fwd PE 7.61
P/S 4.65
P/FCF 3.27
P/OCF 3.28
P/B 1.14
P/tB 1.19
EV/EBITDA N/A
EPS(TTM)0.98
EY5.07%
EPS(NY)2.54
Fwd EY13.13%
FCF(TTM)5.91
FCFY30.55%
OCF(TTM)5.9
OCFY30.5%
SpS4.16
BVpS16.93
TBVpS16.23
PEG (NY)0.22
PEG (5Y)10.11
Graham Number19.32
Profitability
Industry RankSector Rank
ROA 0.51%
ROE 5.78%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.54%
GM N/A
FCFM 142.11%
ROA(3y)0.76%
ROA(5y)0.76%
ROE(3y)8.66%
ROE(5y)7.68%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.61%
PM growth 5Y-6.42%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 0.55
Debt/EBITDA N/A
Cap/Depr 9.95%
Cap/Sales 0.25%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 603.74%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC24.94%
ROIC/WACCN/A
Cap/Depr(3y)252.13%
Cap/Depr(5y)157.27%
Cap/Sales(3y)5.91%
Cap/Sales(5y)3.69%
Profit Quality(3y)345.88%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-24.03%
EPS 3Y4.83%
EPS 5Y1.95%
EPS Q2Q%25%
EPS Next Y91.67%
EPS Next 2Y67.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)20.54%
Revenue growth 3Y14.8%
Revenue growth 5Y18.13%
Sales Q2Q%31.71%
Revenue Next Year32.06%
Revenue Next 2Y30.96%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y387.36%
FCF growth 3YN/A
FCF growth 5Y-20.78%
OCF growth 1Y481.36%
OCF growth 3YN/A
OCF growth 5Y-20.46%

VERSABANK / VBNK.CA Fundamental Analysis FAQ

What is the ChartMill fundamental rating of VERSABANK (VBNK.CA) stock?

ChartMill assigns a fundamental rating of 4 / 10 to VBNK.CA.


What is the valuation status for VBNK stock?

ChartMill assigns a valuation rating of 5 / 10 to VERSABANK (VBNK.CA). This can be considered as Fairly Valued.


What is the profitability of VBNK stock?

VERSABANK (VBNK.CA) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for VBNK stock?

The Price/Earnings (PE) ratio for VERSABANK (VBNK.CA) is 19.73 and the Price/Book (PB) ratio is 1.14.


What is the financial health of VERSABANK (VBNK.CA) stock?

The financial health rating of VERSABANK (VBNK.CA) is 4 / 10.