12.35 USD
-0.19 (-1.52%)
12.35 USD
0 (0%)
Taking everything into account, VBNK scores 4 out of 10 in our fundamental rating. VBNK was compared to 387 industry peers in the Banks industry. VBNK has a bad profitability rating. Also its financial health evaluation is rather negative. VBNK is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year VBNK was profitable.
VBNK had a positive operating cash flow in the past year.
VBNK had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: VBNK reported negative operating cash flow in multiple years.
1.2 Ratios
The Return On Assets of VBNK (0.52%) is worse than 75.97% of its industry peers.
With a Return On Equity value of 5.40%, VBNK is not doing good in the industry: 75.19% 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
Looking at the Profit Margin, with a value of 24.41%, VBNK is in line with its industry, outperforming 50.65% 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 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.
Compared to 5 years ago, VBNK has more shares outstanding
VBNK has a better debt/assets ratio than last year.
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 is in the better half of the industry, outperforming 75.19% of the companies in the same industry.
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 42.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 0.71 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC30.39%
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.
VBNK shows a small growth in Revenue. In the last year, the Revenue has grown by 2.92%.
Measured over the past years, VBNK shows a quite strong growth in Revenue. The Revenue has been growing by 15.67% on average per year.
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
VBNK is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.62% yearly.
Based on estimates for the next years, VBNK will show a very strong growth in Revenue. The Revenue will grow by 25.97% on average per year.
EPS Next Y-52.77%
EPS Next 2Y8.67%
EPS Next 3Y14.62%
EPS Next 5YN/A
Revenue Next Year18.29%
Revenue Next 2Y24.37%
Revenue Next 3Y25.97%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
A Price/Earnings ratio of 18.43 indicates a rather expensive valuation of VBNK.
79.33% of the companies in the same industry are cheaper than VBNK, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of VBNK to the average of the S&P500 Index (26.49), we can say VBNK is valued slightly cheaper.
With a Price/Forward Earnings ratio of 9.78, the valuation of VBNK can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as VBNK.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.69, VBNK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.43 | ||
| Fwd PE | 9.78 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, VBNK is valued cheaply inside the industry as 95.35% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.72 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
VBNK's earnings are expected to grow with 14.62% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)1.55
EPS Next 2Y8.67%
EPS Next 3Y14.62%
5. Dividend
5.1 Amount
With a yearly dividend of 0.58%, VBNK is not a good candidate for dividend investing.
With a Dividend Yield of 0.58, VBNK pays less dividend than the industry average, which is at 3.11. 85.01% of the companies listed in the same industry pay a better dividend than VBNK!
With a Dividend Yield of 0.58, VBNK pays less dividend than the S&P500 average, which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.58% |
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 2Y8.67%
EPS Next 3Y14.62%
12.35
-0.19 (-1.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners36.2%
Inst Owner Change3.35%
Ins Owners0.89%
Ins Owner ChangeN/A
Market Cap394.58M
Revenue(TTM)116.83M
Net Income(TTM)28.52M
Analysts82.5
Price Target14.62 (18.38%)
Short Float %0.93%
Short Ratio3.95
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.58% |
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)0.99%
PT rev (3m)-0.43%
EPS NQ rev (1m)15.09%
EPS NQ rev (3m)-4.69%
EPS NY rev (1m)-30.65%
EPS NY rev (3m)-39.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.99%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.43 | ||
| Fwd PE | 9.78 | ||
| P/S | 4.71 | ||
| P/FCF | 3.72 | ||
| P/OCF | 3.71 | ||
| P/B | 1.04 | ||
| P/tB | 1.09 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.67
EY5.43%
EPS(NY)1.26
Fwd EY10.22%
FCF(TTM)3.32
FCFY26.87%
OCF(TTM)3.33
OCFY26.98%
SpS2.62
BVpS11.86
TBVpS11.34
PEG (NY)N/A
PEG (5Y)1.55
Graham Number13.37
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
WACC30.39%
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-52.77%
EPS Next 2Y8.67%
EPS Next 3Y14.62%
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 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 4 / 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 18.43 and the Price/Book (PB) ratio is 1.04.
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%.