VBNK Fundamental Analysis - VERSABANK

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to VBNK. VBNK was compared to 392 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!

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1. Profitability

1.1 Basic Checks

In the past year VBNK was profitable.

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

VBNK has a Return On Assets of 0.52%. This is in the lower half of the industry: VBNK underperforms 72.96% of its industry peers.

With a Return On Equity value of 5.40%, VBNK is not doing good in the industry: 74.49% 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

The Profit Margin of VBNK (24.41%) is comparable to the rest of the industry.

VBNK's Profit Margin has been stable in the last couple of years.

VBNK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

VBNK has a better debt/assets ratio than last year.

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.

VBNK's Debt to FCF ratio of 0.71 is fine compared to the rest of the industry. VBNK outperforms 79.34% of its industry peers.

A Debt/Equity ratio of 0.20 indicates that VBNK is not too dependend on debt financing.

VBNK's Debt to Equity ratio of 0.20 is in line compared to the rest of the industry. VBNK outperforms 41.84% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.2
Debt/FCF	0.71
Altman-Z	N/A

ROIC/WACCN/A

WACC30.46%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

VBNK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -46.59%.

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.

The Revenue has been growing slightly by 2.92% 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)-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

The Revenue is expected to grow by 29.96% 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 Year19.21%

Revenue Next 2Y29.96%

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.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 18.48, VBNK is valued on the expensive side.

Compared to the rest of the industry, the Price/Earnings ratio of VBNK indicates a slightly more expensive valuation: VBNK is more expensive than 77.30% of the companies listed in the same industry.

The average S&P500 Price/Earnings ratio is at 27.86. VBNK is valued slightly cheaper when compared to this.

The Price/Forward Earnings ratio is 8.48, which indicates a very decent valuation of VBNK.

Compared to the rest of the industry, the Price/Forward Earnings ratio of VBNK indicates a somewhat cheap valuation: VBNK is cheaper than 77.30% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of VBNK to the average of the S&P500 Index (23.32), we can say VBNK is valued rather cheaply.

		Industry Rank	Sector Rank
PE	18.48
Fwd PE	8.48

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, VBNK is valued cheaper than 93.62% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	3.76
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)1.55

EPS Next 2Y16.86%

EPS Next 3Y27.81%

More info and screens

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5. Dividend

5.1 Amount

With a yearly dividend of 0.57%, VBNK is not a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.52, VBNK's dividend is way lower than its industry peers. On top of this 85.71% of the companies listed in the same industry pay a better dividend than VBNK!

Compared to an average S&P500 Dividend Yield of 2.41, VBNK's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	0.57%

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

VBNK pays out 11.67% of its income as dividend. This is a sustainable payout ratio.

DP11.67%

EPS Next 2Y16.86%

EPS Next 3Y27.81%

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VERSABANK

NASDAQ:VBNK (10/3/2025, 8:10:13 PM)

12.38

+0.13 (+1.06%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)09-04 2025-09-04/bmo

Earnings (Next)12-10 2025-12-10/bmo

Inst Owners36.13%

Inst Owner Change-6.21%

Ins Owners0.88%

Ins Owner ChangeN/A

Market Cap398.26M

Analysts82.5

Price Target14.63 (18.17%)

Short Float %0.55%

Short Ratio1.46

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.57%

Yearly Dividend0.1

Dividend Growth(5Y)-4.67%

DP11.67%

Div Incr Years0

Div Non Decr Years0

Ex-Date10-10 2025-10-10 (0.025)

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)-0.37%

PT rev (3m)-4.42%

EPS NQ rev (1m)-4.69%

EPS NQ rev (3m)-50.81%

EPS NY rev (1m)-12.72%

EPS NY rev (3m)-32.08%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-23.76%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.09%

Valuation

		Industry Rank	Sector Rank
PE	18.48
Fwd PE	8.48
P/S	4.75
P/FCF	3.76
P/OCF	3.74
P/B	1.05
P/tB	1.1
EV/EBITDA	N/A

EPS(TTM)0.67

EY5.41%

EPS(NY)1.46

Fwd EY11.79%

FCF(TTM)3.3

FCFY26.62%

OCF(TTM)3.31

OCFY26.72%

SpS2.6

BVpS11.78

TBVpS11.26

PEG (NY)N/A

PEG (5Y)1.55

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

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 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

WACC30.46%

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 Year19.21%

Revenue Next 2Y29.96%

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 1Y311.93%

FCF growth 3YN/A

FCF growth 5Y66.94%

OCF growth 1Y311.37%

OCF growth 3YN/A

OCF growth 5Y68.97%

VERSABANK (VBNK) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens