VERSABANK (VBNK) Stock Fundamental Analysis

NASDAQ:VBNK • CA92512J1066

16.35 USD
-0.39 (-2.33%)
At close: Feb 23, 2026
15.7 USD
-0.65 (-3.98%)
After Hours: 2/2/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall VBNK gets a fundamental rating of 3 out of 10. We evaluated VBNK against 379 industry peers in the Banks industry. Both the profitability and financial health of VBNK have multiple concerns. VBNK shows excellent growth, but is valued quite expensive already.


Dividend Valuation Growth Profitability Health

2

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.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M

1.2 Ratios

  • VBNK's Return On Assets of 0.49% is on the low side compared to the rest of the industry. VBNK is outperformed by 79.16% of its industry peers.
  • With a Return On Equity value of 5.34%, VBNK is not doing good in the industry: 75.46% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.49%
ROE 5.34%
ROIC N/A
ROA(3y)0.76%
ROA(5y)0.76%
ROE(3y)8.66%
ROE(5y)7.68%
ROIC(3y)N/A
ROIC(5y)N/A
VBNK Yearly ROA, ROE, ROICVBNK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • VBNK has a Profit Margin (22.83%) which is comparable to the rest of the industry.
  • VBNK's Profit Margin has declined 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 RankSector Rank
OM N/A
PM (TTM) 22.83%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.61%
PM growth 5Y-6.42%
GM growth 3YN/A
GM growth 5YN/A
VBNK Yearly Profit, Operating, Gross MarginsVBNK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

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 more shares outstanding
  • Compared to 5 years ago, VBNK has more shares outstanding
  • Compared to 1 year ago, VBNK has an improved debt to assets ratio.
VBNK Yearly Shares OutstandingVBNK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
VBNK Yearly Total Debt VS Total AssetsVBNK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • The Debt to FCF ratio of VBNK is 2.44, which is a good value as it means it would take VBNK, 2.44 years of fcf income to pay off all of its debts.
  • VBNK's Debt to FCF ratio of 2.44 is in line compared to the rest of the industry. VBNK outperforms 43.01% of its industry peers.
  • VBNK has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.20, VBNK is in line with its industry, outperforming 43.27% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 2.44
Altman-Z N/A
ROIC/WACCN/A
WACC27.68%
VBNK Yearly LT Debt VS Equity VS FCFVBNK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. Growth

3.1 Past

  • The earnings per share for VBNK have decreased strongly by -38.93% in the last year.
  • Measured over the past 5 years, VBNK shows a small growth in Earnings Per Share. The EPS has been growing by 1.95% on average per year.
  • The Revenue has grown by 11.65% in the past year. This is quite good.
  • VBNK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.13% yearly.
EPS 1Y (TTM)-38.93%
EPS 3Y4.83%
EPS 5Y1.95%
EPS Q2Q%-15%
Revenue 1Y (TTM)11.65%
Revenue growth 3Y14.8%
Revenue growth 5Y18.13%
Sales Q2Q%31.05%

3.2 Future

  • The Earnings Per Share is expected to grow by 67.06% 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 30.96% on average per year.
EPS Next Y83.26%
EPS Next 2Y67.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year32.06%
Revenue Next 2Y30.96%
Revenue Next 3YN/A
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.
  • 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.
VBNK Yearly Revenue VS EstimatesVBNK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
VBNK Yearly EPS VS EstimatesVBNK Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2 2.5

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 24.77, which indicates a rather expensive current valuation of VBNK.
  • 84.43% of the companies in the same industry are cheaper than VBNK, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 26.64. VBNK is around the same levels.
  • VBNK is valuated correctly with a Price/Forward Earnings ratio of 13.42.
  • 68.07% of the companies in the same industry are cheaper 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 (27.75), we can say VBNK is valued rather cheaply.
Industry RankSector Rank
PE 24.77
Fwd PE 13.42
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

  • Based on the Price/Free Cash Flow ratio, VBNK is valued a bit more expensive than the industry average as 67.81% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 16.44
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as VBNK's earnings are expected to grow with 67.06% in the coming years.
PEG (NY)0.3
PEG (5Y)12.69
EPS Next 2Y67.06%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

2

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.43%, VBNK is not a good candidate for dividend investing.
  • With a Dividend Yield of 0.43, VBNK pays less dividend than the industry average, which is at 2.74. 86.28% of the companies listed in the same industry pay a better dividend than VBNK!
  • Compared to an average S&P500 Dividend Yield of 1.80, VBNK's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.43%

5.2 History

  • The dividend of VBNK decreases each year by -11.33%.
  • VBNK has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)-11.33%
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 2026 0.05 0.1 0.15

5.3 Sustainability

  • 11.37% of the earnings are spent on dividend by VBNK. This is a low number and sustainable payout ratio.
DP11.37%
EPS Next 2Y67.06%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M
VBNK Dividend Payout.VBNK Dividend Payout, showing the Payout Ratio.VBNK Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

VERSABANK

NASDAQ:VBNK (2/23/2026, 4:02:16 PM)

After market: 15.7 -0.65 (-3.98%)

16.35

-0.39 (-2.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)12-10
Earnings (Next)03-11
Inst Owners36.2%
Inst Owner Change2.11%
Ins Owners0.85%
Ins Owner ChangeN/A
Market Cap522.38M
Revenue(TTM)124.64M
Net Income(TTM)28.46M
Analysts82.5
Price Target12.97 (-20.67%)
Short Float %0.81%
Short Ratio3.74
Dividend
Industry RankSector Rank
Dividend Yield 0.43%
Yearly Dividend0.08
Dividend Growth(5Y)-11.33%
DP11.37%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-09
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-41.55%
Min EPS beat(2)-45.36%
Max EPS beat(2)-37.75%
EPS beat(4)0
Avg EPS beat(4)-30.67%
Min EPS beat(4)-45.36%
Max EPS beat(4)-10.56%
EPS beat(8)1
Avg EPS beat(8)-24.74%
EPS beat(12)4
Avg EPS beat(12)-13.59%
EPS beat(16)4
Avg EPS beat(16)-14.23%
Revenue beat(2)0
Avg Revenue beat(2)-3.62%
Min Revenue beat(2)-5.09%
Max Revenue beat(2)-2.15%
Revenue beat(4)1
Avg Revenue beat(4)-5.62%
Min Revenue beat(4)-16.53%
Max Revenue beat(4)1.29%
Revenue beat(8)1
Avg Revenue beat(8)-8.17%
Revenue beat(12)2
Avg Revenue beat(12)-7.66%
Revenue beat(16)4
Avg Revenue beat(16)-5.1%
PT rev (1m)0.66%
PT rev (3m)-9.37%
EPS NQ rev (1m)2.6%
EPS NQ rev (3m)16.18%
EPS NY rev (1m)0%
EPS NY rev (3m)-18.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.32%
Revenue NY rev (1m)0.65%
Revenue NY rev (3m)0.99%
Valuation
Industry RankSector Rank
PE 24.77
Fwd PE 13.42
P/S 5.74
P/FCF 16.44
P/OCF 16.09
P/B 1.34
P/tB 1.4
EV/EBITDA N/A
EPS(TTM)0.66
EY4.04%
EPS(NY)1.22
Fwd EY7.45%
FCF(TTM)0.99
FCFY6.08%
OCF(TTM)1.02
OCFY6.21%
SpS2.85
BVpS12.18
TBVpS11.65
PEG (NY)0.3
PEG (5Y)12.69
Graham Number13.45
Profitability
Industry RankSector Rank
ROA 0.49%
ROE 5.34%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.83%
GM N/A
FCFM 34.9%
ROA(3y)0.76%
ROA(5y)0.76%
ROE(3y)8.66%
ROE(5y)7.68%
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 3Y-4.61%
PM growth 5Y-6.42%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 2.44
Debt/EBITDA N/A
Cap/Depr 30.76%
Cap/Sales 0.77%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 152.84%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC27.68%
ROIC/WACCN/A
Cap/Depr(3y)252.13%
Cap/Depr(5y)157.27%
Cap/Sales(3y)5.91%
Cap/Sales(5y)3.69%
Profit Quality(3y)345.88%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-38.93%
EPS 3Y4.83%
EPS 5Y1.95%
EPS Q2Q%-15%
EPS Next Y83.26%
EPS Next 2Y67.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.65%
Revenue growth 3Y14.8%
Revenue growth 5Y18.13%
Sales Q2Q%31.05%
Revenue Next Year32.06%
Revenue Next 2Y30.96%
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 1Y-82.88%
FCF growth 3YN/A
FCF growth 5Y-20.78%
OCF growth 1Y-83.7%
OCF growth 3YN/A
OCF growth 5Y-20.46%

VERSABANK / VBNK FAQ

What is the ChartMill fundamental rating of VERSABANK (VBNK) stock?

ChartMill assigns a fundamental rating of 3 / 10 to VBNK.


What is the valuation status for VBNK stock?

ChartMill assigns a valuation rating of 3 / 10 to VERSABANK (VBNK). This can be considered as Overvalued.


What is the profitability of VBNK stock?

VERSABANK (VBNK) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for VBNK stock?

The Price/Earnings (PE) ratio for VERSABANK (VBNK) is 24.77 and the Price/Book (PB) ratio is 1.34.


What is the financial health of VERSABANK (VBNK) stock?

The financial health rating of VERSABANK (VBNK) is 2 / 10.