VERSABANK (VBNK.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:VBNK - CA92512J1066 - Common Stock
16.88 CAD
+0.51 (+3.12%)
Taking everything into account, VBNK scores 4 out of 10 in our fundamental rating. VBNK was compared to 25 industry peers in the Banks industry. VBNK scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. VBNK is valued quite expensively, but it does show have an excellent growth rating.
1. Profitability
1.1 Basic Checks
VBNK had positive earnings in the past year.
VBNK had a positive operating cash flow in the past year.
Each year in the past 5 years VBNK has been profitable.
In multiple years VBNK reported negative operating cash flow during the last 5 years.
1.2 Ratios
With a Return On Assets value of 0.52%, VBNK is not doing good in the industry: 84.00% of the companies in the same industry are doing better.
With a Return On Equity value of 5.40%, VBNK is not doing good in the industry: 88.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 5.4% | ||
| ROIC | N/A |
ROA(3y)0.81%
ROA(5y)0.84%
ROE(3y)8.94%
ROE(5y)7.96%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
VBNK has a worse Profit Margin (24.41%) than 68.00% of its industry peers.
VBNK's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for VBNK so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.41% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.95%
PM growth 5Y0.79%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
VBNK does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, VBNK has about the same amount of shares outstanding.
VBNK has more shares outstanding than it did 5 years ago.
The debt/assets ratio for VBNK has been reduced compared to a year ago.
2.2 Solvency
VBNK has a debt to FCF ratio of 0.71. This is a very positive value and a sign of high solvency as it would only need 0.71 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.71, VBNK belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
VBNK has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.20, VBNK belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 0.71 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC25.23%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for VBNK have decreased strongly by -46.59% in the last year.
Measured over the past years, VBNK shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.92% on average per year.
Looking at the last year, VBNK shows a small growth in Revenue. The Revenue has grown by 2.92% in the last year.
VBNK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.67% yearly.
EPS 1Y (TTM)-46.59%
EPS 3Y15.78%
EPS 5Y11.92%
EPS Q2Q%-44.44%
Revenue 1Y (TTM)2.92%
Revenue growth 3Y19.53%
Revenue growth 5Y15.67%
Sales Q2Q%19.38%
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 27.81% on average per year.
The Revenue is expected to grow by 25.97% on average over the next years. This is a very strong growth
EPS Next Y-31.89%
EPS Next 2Y16.86%
EPS Next 3Y27.81%
EPS Next 5YN/A
Revenue Next Year18.29%
Revenue Next 2Y24.37%
Revenue Next 3Y25.97%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
VBNK is valuated rather expensively with a Price/Earnings ratio of 17.96.
VBNK's Price/Earnings ratio is rather expensive when compared to the industry. VBNK is more expensive than 96.00% of the companies in the same industry.
VBNK is valuated rather cheaply when we compare the Price/Earnings ratio to 25.98, which is the current average of the S&P500 Index.
VBNK is valuated reasonably with a Price/Forward Earnings ratio of 8.30.
68.00% 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 35.79, VBNK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.96 | ||
| Fwd PE | 8.3 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of VBNK indicates a slightly more expensive valuation: VBNK is more expensive than 60.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.67 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
VBNK's earnings are expected to grow with 27.81% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)1.51
EPS Next 2Y16.86%
EPS Next 3Y27.81%
5. Dividend
5.1 Amount
VBNK has a yearly dividend return of 0.62%, which is pretty low.
Compared to an average industry Dividend Yield of 3.35, VBNK's dividend is way lower than its industry peers. On top of this 96.00% of the companies listed in the same industry pay a better dividend than VBNK!
With a Dividend Yield of 0.62, VBNK pays less dividend than the S&P500 average, which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.62% |
5.2 History
The dividend of VBNK decreases each year by -4.67%.
VBNK has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)-4.67%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
11.67% of the earnings are spent on dividend by VBNK. This is a low number and sustainable payout ratio.
DP11.67%
EPS Next 2Y16.86%
EPS Next 3Y27.81%
TSX:VBNK (11/25/2025, 7:00:00 PM)
16.88
+0.51 (+3.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners36.13%
Inst Owner ChangeN/A
Ins Owners0.88%
Ins Owner ChangeN/A
Market Cap543.03M
Revenue(TTM)116.83M
Net Income(TTM)28.52M
Analysts82.5
Price Target20.23 (19.85%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.62% |
Yearly Dividend0.14
Dividend Growth(5Y)-4.67%
DP11.67%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-24.16%
Min EPS beat(2)-37.75%
Max EPS beat(2)-10.56%
EPS beat(4)0
Avg EPS beat(4)-32.47%
Min EPS beat(4)-52.56%
Max EPS beat(4)-10.56%
EPS beat(8)2
Avg EPS beat(8)-17.75%
EPS beat(12)4
Avg EPS beat(12)-10.73%
EPS beat(16)4
Avg EPS beat(16)-11.99%
Revenue beat(2)1
Avg Revenue beat(2)-1.9%
Min Revenue beat(2)-5.09%
Max Revenue beat(2)1.29%
Revenue beat(4)1
Avg Revenue beat(4)-7.49%
Min Revenue beat(4)-16.53%
Max Revenue beat(4)1.29%
Revenue beat(8)1
Avg Revenue beat(8)-8.44%
Revenue beat(12)3
Avg Revenue beat(12)-7.06%
Revenue beat(16)5
Avg Revenue beat(16)-4.2%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-3.77%
EPS NQ rev (3m)-20.31%
EPS NY rev (1m)0%
EPS NY rev (3m)-12.72%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.99%
Revenue NY rev (1m)3.51%
Revenue NY rev (3m)-0.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.96 | ||
| Fwd PE | 8.3 | ||
| P/S | 4.65 | ||
| P/FCF | 3.67 | ||
| P/OCF | 3.66 | ||
| P/B | 1.03 | ||
| P/tB | 1.08 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.94
EY5.57%
EPS(NY)2.03
Fwd EY12.06%
FCF(TTM)4.59
FCFY27.22%
OCF(TTM)4.61
OCFY27.32%
SpS3.63
BVpS16.42
TBVpS15.7
PEG (NY)N/A
PEG (5Y)1.51
Graham Number18.63
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 5.4% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.41% | ||
| GM | N/A | ||
| FCFM | 126.5% |
ROA(3y)0.81%
ROA(5y)0.84%
ROE(3y)8.94%
ROE(5y)7.96%
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 3Y2.95%
PM growth 5Y0.79%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 0.71 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 18.45% | ||
| Cap/Sales | 0.48% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 518.16% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC25.23%
ROIC/WACCN/A
Cap/Depr(3y)251.87%
Cap/Depr(5y)154.76%
Cap/Sales(3y)5.89%
Cap/Sales(5y)3.61%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-46.59%
EPS 3Y15.78%
EPS 5Y11.92%
EPS Q2Q%-44.44%
EPS Next Y-31.89%
EPS Next 2Y16.86%
EPS Next 3Y27.81%
EPS Next 5YN/A
Revenue 1Y (TTM)2.92%
Revenue growth 3Y19.53%
Revenue growth 5Y15.67%
Sales Q2Q%19.38%
Revenue Next Year18.29%
Revenue Next 2Y24.37%
Revenue Next 3Y25.97%
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 1Y311.93%
FCF growth 3YN/A
FCF growth 5Y66.94%
OCF growth 1Y311.37%
OCF growth 3YN/A
OCF growth 5Y68.97%
VERSABANK / VBNK.CA 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 of VERSABANK (VBNK.CA) stock?
ChartMill assigns a valuation rating of 2 / 10 to VERSABANK (VBNK.CA). This can be considered as Overvalued.
What is the profitability of VBNK stock?
VERSABANK (VBNK.CA) has a profitability rating of 2 / 10.
What is the valuation of VERSABANK based on its PE and PB ratios?
The Price/Earnings (PE) ratio for VERSABANK (VBNK.CA) is 17.96 and the Price/Book (PB) ratio is 1.03.
How sustainable is the dividend of VERSABANK (VBNK.CA) stock?
The dividend rating of VERSABANK (VBNK.CA) is 2 / 10 and the dividend payout ratio is 11.67%.