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VERSABANK (VBNK) Stock Fundamental Analysis

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

11.2  +0.05 (+0.45%)

Fundamental Rating

4

Taking everything into account, VBNK scores 4 out of 10 in our fundamental rating. VBNK was compared to 397 industry peers in the Banks industry. VBNK may be in some trouble as it scores bad on both profitability and health. VBNK is not priced too expensively while it is growing strongly. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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3

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.
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

The Return On Assets of VBNK (0.69%) is worse than 60.71% of its industry peers.
The Return On Equity of VBNK (6.61%) is worse than 64.99% 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

VBNK has a better Profit Margin (31.15%) than 84.63% of its industry peers.
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.
The number of shares outstanding for VBNK has been increased compared to 5 years ago.
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.
The Debt to FCF ratio of VBNK (0.55) is better than 82.12% of its industry peers.
VBNK has a Debt/Equity ratio of 0.21. This is a healthy value indicating a solid balance between debt and equity.
VBNK has a Debt to Equity ratio (0.21) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 0.55
Altman-Z N/A
ROIC/WACCN/A
WACC26.26%
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

VBNK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -24.56%.
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 decrease in Revenue. The Revenue has decreased by -0.86% 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)-24.56%
EPS 3Y15.78%
EPS 5Y11.92%
EPS Q2Q%-41.67%
Revenue 1Y (TTM)-0.86%
Revenue growth 3Y19.53%
Revenue growth 5Y15.67%
Sales Q2Q%-3.18%

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 34.56% on average per year.
The Revenue is expected to grow by 30.83% on average over the next years. This is a very strong growth
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

VBNK is valuated correctly with a Price/Earnings ratio of 12.04.
The rest of the industry has a similar Price/Earnings ratio as VBNK.
When comparing the Price/Earnings ratio of VBNK to the average of the S&P500 Index (24.12), we can say VBNK is valued rather cheaply.
A Price/Forward Earnings ratio of 5.77 indicates a rather cheap valuation of VBNK.
94.71% 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 20.42. VBNK is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.04
Fwd PE 5.77
VBNK Price Earnings VS Forward Price EarningsVBNK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of VBNK indicates a rather cheap valuation: VBNK is cheaper than 97.73% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.56
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)41.73
PEG (5Y)1.01
EPS Next 2Y34.56%
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

With a yearly dividend of 0.64%, VBNK is not a good candidate for dividend investing.
In the last 3 months the price of VBNK has falen by -20.36%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 3.49, VBNK's dividend is way lower than its industry peers. On top of this 85.89% of the companies listed in the same industry pay a better dividend than VBNK!
Compared to an average S&P500 Dividend Yield of 2.44, VBNK's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.64%

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.
The dividend of VBNK decreased recently.
Dividend Growth(5Y)-4.67%
Div Incr Years1
Div Non Decr Years1
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 (5/9/2025, 3:35:58 PM)

11.2

+0.05 (+0.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)03-05 2025-03-05/bmo
Earnings (Next)06-04 2025-06-04/bmo
Inst Owners34.6%
Inst Owner Change-0.64%
Ins Owners0.89%
Ins Owner ChangeN/A
Market Cap364.22M
Analysts82.22
Price Target15.91 (42.05%)
Short Float %0.42%
Short Ratio0.9
Dividend
Industry RankSector Rank
Dividend Yield 0.64%
Yearly Dividend0.1
Dividend Growth(5Y)-4.67%
DP10.17%
Div Incr Years1
Div Non Decr Years1
Ex-Date04-04 2025-04-04 (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)3.97%
PT rev (3m)-7.7%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-25.93%
EPS NY rev (1m)0%
EPS NY rev (3m)-28.19%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-17.71%
Revenue NY rev (1m)-13.94%
Revenue NY rev (3m)-13.94%
Valuation
Industry RankSector Rank
PE 12.04
Fwd PE 5.77
P/S 4.57
P/FCF 2.56
P/OCF 2.51
P/B 0.97
P/tB 1.02
EV/EBITDA N/A
EPS(TTM)0.93
EY8.3%
EPS(NY)1.94
Fwd EY17.34%
FCF(TTM)4.38
FCFY39.08%
OCF(TTM)4.47
OCFY39.87%
SpS2.45
BVpS11.54
TBVpS11.01
PEG (NY)41.73
PEG (5Y)1.01
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
WACC26.26%
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)-24.56%
EPS 3Y15.78%
EPS 5Y11.92%
EPS Q2Q%-41.67%
EPS Next Y0.29%
EPS Next 2Y34.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.86%
Revenue growth 3Y19.53%
Revenue growth 5Y15.67%
Sales Q2Q%-3.18%
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%