VERSABANK (VBNK) Stock Fundamental Analysis
USA - NASDAQ:VBNK - CA92512J1066 - Common Stock
11.87 USD
+0.02 (+0.17%)
Taking everything into account, VBNK scores 4 out of 10 in our fundamental rating. VBNK was compared to 390 industry peers in the Banks industry. Both the profitability and financial health of VBNK have multiple concerns. VBNK is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
VBNK had positive earnings in the past year.
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.
1.2 Ratios
VBNK has a worse Return On Assets (0.52%) than 74.36% of its industry peers.
VBNK's Return On Equity of 5.40% is on the low side compared to the rest of the industry. VBNK is outperformed by 75.13% of its industry peers.
| 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 Profit Margin of 24.41%. This is comparable to the rest of the industry: VBNK outperforms 53.59% of its industry peers.
In the last couple of years the Profit Margin of VBNK has remained more or less at the same level.
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.
The number of shares outstanding for VBNK remains at a similar level 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.
2.2 Solvency
The Debt to FCF ratio of VBNK is 0.71, which is an excellent value as it means it would take VBNK, only 0.71 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 0.71, VBNK is doing good in the industry, outperforming 78.72% 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.
The Debt to Equity ratio of VBNK (0.20) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 0.71 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC31.05%
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.
VBNK shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.92% yearly.
The Revenue has been growing slightly by 2.92% in the past year.
The Revenue has been growing by 15.67% on average over the past years. This is quite good.
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
The Earnings Per Share is expected to grow by 27.81% on average over the next years. This is a very strong growth
VBNK is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 25.97% yearly.
EPS Next Y-31.89%
EPS Next 2Y16.86%
EPS Next 3Y27.81%
EPS Next 5YN/A
Revenue Next Year14.27%
Revenue Next 2Y22.56%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 17.72, the valuation of VBNK can be described as rather expensive.
Compared to the rest of the industry, the Price/Earnings ratio of VBNK indicates a slightly more expensive valuation: VBNK is more expensive than 76.92% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of VBNK to the average of the S&P500 Index (26.11), we can say VBNK is valued slightly cheaper.
The Price/Forward Earnings ratio is 8.18, which indicates a very decent valuation of VBNK.
78.21% of the companies in the same industry are more expensive than VBNK, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of VBNK to the average of the S&P500 Index (22.55), we can say VBNK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.72 | ||
| Fwd PE | 8.18 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, VBNK is valued cheaper than 94.62% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.62 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as VBNK's earnings are expected to grow with 27.81% in the coming years.
PEG (NY)N/A
PEG (5Y)1.49
EPS Next 2Y16.86%
EPS Next 3Y27.81%
5. Dividend
5.1 Amount
With a yearly dividend of 0.60%, VBNK is not a good candidate for dividend investing.
With a Dividend Yield of 0.60, VBNK pays less dividend than the industry average, which is at 3.51. 84.62% of the companies listed in the same industry pay a better dividend than VBNK!
Compared to an average S&P500 Dividend Yield of 2.37, VBNK's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.6% |
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%
NASDAQ:VBNK (10/31/2025, 8:18:11 PM)
11.87
+0.02 (+0.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners36.13%
Inst Owner Change1.31%
Ins Owners0.88%
Ins Owner ChangeN/A
Market Cap381.86M
Revenue(TTM)116.83M
Net Income(TTM)28.52M
Analysts82.5
Price Target14.48 (21.99%)
Short Float %0.91%
Short Ratio2.51
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.6% |
Yearly Dividend0.1
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)-1.04%
PT rev (3m)-2.12%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-17.19%
EPS NY rev (1m)0%
EPS NY rev (3m)-32.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.99%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.58%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.72 | ||
| Fwd PE | 8.18 | ||
| P/S | 4.58 | ||
| P/FCF | 3.62 | ||
| P/OCF | 3.61 | ||
| P/B | 1.01 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.67
EY5.64%
EPS(NY)1.45
Fwd EY12.22%
FCF(TTM)3.28
FCFY27.59%
OCF(TTM)3.29
OCFY27.7%
SpS2.59
BVpS11.7
TBVpS11.19
PEG (NY)N/A
PEG (5Y)1.49
Graham Number13.28
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
WACC31.05%
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 Year14.27%
Revenue Next 2Y22.56%
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 FAQ
What is the ChartMill fundamental rating of VERSABANK (VBNK) stock?
ChartMill assigns a fundamental rating of 4 / 10 to VBNK.
What is the valuation status of VERSABANK (VBNK) stock?
ChartMill assigns a valuation rating of 5 / 10 to VERSABANK (VBNK). This can be considered as Fairly Valued.
What is the profitability of VBNK stock?
VERSABANK (VBNK) 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) is 17.72 and the Price/Book (PB) ratio is 1.01.
How sustainable is the dividend of VERSABANK (VBNK) stock?
The dividend rating of VERSABANK (VBNK) is 2 / 10 and the dividend payout ratio is 11.67%.