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VERSABANK (VBNK) Stock Fundamental Analysis

NASDAQ:VBNK - Nasdaq - CA92512J1066 - Common Stock - Currency: USD

11.03  -0.22 (-1.96%)

Premarket: 11.4 +0.37 (+3.35%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to VBNK. VBNK was compared to 395 industry peers in the Banks industry. VBNK may be in some trouble as it scores bad on both profitability and health. VBNK is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

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3

1. Profitability

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.
The reported operating cash flow has been mixed in the past 5 years: VBNK reported negative operating cash flow in multiple years.
VBNK Yearly Net Income VS EBIT VS OCF VS FCFVBNK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M

1.2 Ratios

VBNK has a worse Return On Assets (0.69%) than 62.28% of its industry peers.
VBNK's Return On Equity of 6.61% is on the low side compared to the rest of the industry. VBNK is outperformed by 64.81% of its industry peers.
Industry RankSector Rank
ROA 0.69%
ROE 6.61%
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
VBNK Yearly ROA, ROE, ROICVBNK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 31.15%, VBNK belongs to the top of the industry, outperforming 83.54% of the companies in the same industry.
In the last couple of years the Profit Margin of VBNK has remained more or less at the same level.
VBNK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 31.15%
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
VBNK Yearly Profit, Operating, Gross MarginsVBNK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

VBNK does not have a ROIC to compare to the WACC, probably because it is not profitable.
VBNK has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, VBNK has more shares outstanding
VBNK has a better debt/assets ratio than last year.
VBNK Yearly Shares OutstandingVBNK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
VBNK Yearly Total Debt VS Total AssetsVBNK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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.
VBNK's Debt to FCF ratio of 0.55 is amongst the best of the industry. VBNK outperforms 82.03% of its industry peers.
A Debt/Equity ratio of 0.21 indicates that VBNK is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.21, VBNK perfoms like the industry average, outperforming 40.25% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 0.55
Altman-Z N/A
ROIC/WACCN/A
WACC32.3%
VBNK Yearly LT Debt VS Equity VS FCFVBNK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
VBNK Yearly Current Assets VS Current LiabilitesVBNK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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7

3. Growth

3.1 Past

The earnings per share for VBNK have decreased strongly by -38.94% in the last year.
The Earnings Per Share has been growing by 11.92% on average over the past years. This is quite good.
The Revenue has been growing slightly by 2.76% in the past 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)-38.94%
EPS 3Y15.78%
EPS 5Y11.92%
EPS Q2Q%-45.15%
Revenue 1Y (TTM)2.76%
Revenue growth 3Y19.53%
Revenue growth 5Y15.67%
Sales Q2Q%10.83%

3.2 Future

The Earnings Per Share is expected to grow by 34.56% on average over the next years. This is a very strong growth
Based on estimates for the next years, VBNK will show a very strong growth in Revenue. The Revenue will grow by 30.83% on average per year.
EPS Next Y0.29%
EPS Next 2Y34.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year19.1%
Revenue Next 2Y30.83%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
VBNK Yearly Revenue VS EstimatesVBNK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
VBNK Yearly EPS VS EstimatesVBNK Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.79, VBNK is valued correctly.
VBNK's Price/Earnings ratio is a bit more expensive when compared to the industry. VBNK is more expensive than 65.32% of the companies in the same industry.
When comparing the Price/Earnings ratio of VBNK to the average of the S&P500 Index (26.32), we can say VBNK is valued slightly cheaper.
With a Price/Forward Earnings ratio of 5.57, the valuation of VBNK can be described as very cheap.
94.43% of the companies in the same industry are more expensive than VBNK, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.13. VBNK is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 13.79
Fwd PE 5.57
VBNK Price Earnings VS Forward Price EarningsVBNK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

97.47% 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 2.47
EV/EBITDA N/A
VBNK Per share dataVBNK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates VBNK does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as VBNK's earnings are expected to grow with 34.56% in the coming years.
PEG (NY)47.78
PEG (5Y)1.16
EPS Next 2Y34.56%
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

With a yearly dividend of 0.66%, VBNK is not a good candidate for dividend investing.
With a Dividend Yield of 0.66, VBNK pays less dividend than the industry average, which is at 3.46. 85.57% of the companies listed in the same industry pay a better dividend than VBNK!
With a Dividend Yield of 0.66, VBNK pays less dividend than the S&P500 average, which is at 2.40.
Industry RankSector Rank
Dividend Yield 0.66%

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
VBNK Yearly Dividends per shareVBNK Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15

5.3 Sustainability

VBNK pays out 10.17% of its income as dividend. This is a sustainable payout ratio.
DP10.17%
EPS Next 2Y34.56%
EPS Next 3YN/A
VBNK Yearly Income VS Free CF VS DividendVBNK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M
VBNK Dividend Payout.VBNK Dividend Payout, showing the Payout Ratio.VBNK Dividend Payout.PayoutRetained Earnings

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VERSABANK

NASDAQ:VBNK (6/13/2025, 8:00:02 PM)

Premarket: 11.4 +0.37 (+3.35%)

11.03

-0.22 (-1.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)06-04 2025-06-04/bmo
Earnings (Next)09-05 2025-09-05/bmo
Inst Owners36.13%
Inst Owner Change2.3%
Ins Owners0.92%
Ins Owner ChangeN/A
Market Cap358.70M
Analysts82.22
Price Target15.89 (44.06%)
Short Float %0.45%
Short Ratio1.62
Dividend
Industry RankSector Rank
Dividend Yield 0.66%
Yearly Dividend0.1
Dividend Growth(5Y)-4.67%
DP10.17%
Div Incr Years0
Div Non Decr Years0
Ex-Date07-04 2025-07-04 (0.025)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-40.78%
Min EPS beat(2)-52.56%
Max EPS beat(2)-29.01%
EPS beat(4)0
Avg EPS beat(4)-26.83%
Min EPS beat(4)-52.56%
Max EPS beat(4)-0.86%
EPS beat(8)3
Avg EPS beat(8)-12.05%
EPS beat(12)4
Avg EPS beat(12)-9.58%
EPS beat(16)4
Avg EPS beat(16)-9.68%
Revenue beat(2)0
Avg Revenue beat(2)-13.07%
Min Revenue beat(2)-16.53%
Max Revenue beat(2)-9.62%
Revenue beat(4)0
Avg Revenue beat(4)-12.38%
Min Revenue beat(4)-16.53%
Max Revenue beat(4)-9.62%
Revenue beat(8)0
Avg Revenue beat(8)-11.15%
Revenue beat(12)3
Avg Revenue beat(12)-6.12%
Revenue beat(16)5
Avg Revenue beat(16)-4.03%
PT rev (1m)0.93%
PT rev (3m)-6.21%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-28.19%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-13.94%
Valuation
Industry RankSector Rank
PE 13.79
Fwd PE 5.57
P/S 4.42
P/FCF 2.47
P/OCF 2.42
P/B 0.94
P/tB 0.98
EV/EBITDA N/A
EPS(TTM)0.8
EY7.25%
EPS(NY)1.98
Fwd EY17.95%
FCF(TTM)4.46
FCFY40.45%
OCF(TTM)4.55
OCFY41.27%
SpS2.5
BVpS11.76
TBVpS11.22
PEG (NY)47.78
PEG (5Y)1.16
Profitability
Industry RankSector Rank
ROA 0.69%
ROE 6.61%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.15%
GM N/A
FCFM 178.76%
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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector Rank
Debt/Equity 0.21
Debt/FCF 0.55
Debt/EBITDA N/A
Cap/Depr 143.65%
Cap/Sales 3.64%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 573.94%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC32.3%
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)-38.94%
EPS 3Y15.78%
EPS 5Y11.92%
EPS Q2Q%-45.15%
EPS Next Y0.29%
EPS Next 2Y34.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.76%
Revenue growth 3Y19.53%
Revenue growth 5Y15.67%
Sales Q2Q%10.83%
Revenue Next Year19.1%
Revenue Next 2Y30.83%
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 1Y-3.94%
FCF growth 3YN/A
FCF growth 5Y66.94%
OCF growth 1Y-2.27%
OCF growth 3YN/A
OCF growth 5Y68.97%