VBNK

VersaBank

Price Chart

Latest Quote

$19.72

+0.07 (+0.36%)

Current Price

Previous Close	$19.65
Open	$19.90
Day High	$19.90
Day Low	$19.67
Volume	11,558

Fetched: 2026-06-17T14:43:35

Stock Information

Note: Financial values converted from CAD to USD

Quarterly Dividend / Yield	$0.07 / 0.37%
Shares Outstanding	32.20M
Quarterly Dividend Yield	0.37%
Quarterly Dividend	$0.07
Total Debt	$74.46M
Cash Equivalents	$409.18M
Revenue	$98.39M
Net Income	$21.68M
Sector	Financial Services
Industry	Banks - Regional
Market Cap	$634.90M
P/E Ratio	29.43
EPS (TTM)	$0.67
Exchange	NMS

🌐 Visit Website

📊 Comprehensive Analysis

Company Data

Enterprise Value	$163.65M
Sales	$98.39M
Income	$21.68M
Book/sh	$12.29
Cash/sh	$17.81
Employees	131

Financial Ratios

EPS Growth TTM

-11.80%

Returns & Margins

ROA	0.53%
ROE	5.62%
Operating Margin	27.41%
Profit Margin	22.04%

Ownership

Insider Ownership	37.43%
Institutional Ownership	37.99%
Insider & Institutional transactions data not available

Valuation Ratios

Forward P/E	10.40
P/S	4.61
P/B	1.60

Analyst Data

Recommendation	buy
Target Price	$21.50

Technical Indicators

SMA20	$18.75
SMA50	$17.95
SMA200	$14.75
RSI	63.89
ATR	1.2961

Shares Float	20.13M
Short Ratio	8.21
Volatility	1.14
Rel Volume	0.15

Performance History

Week	+0.23%
Month	+15.25%
Quarter	+42.33%
6 Months	+36.52%
YTD	+31.70%
Year	+79.52%
3 Years	+169.85%
10 Years	+94.29%

Stock Score: ⭐ Premium

Based on debt, profitability, growth, and cash flow metrics

⭐ Premium Feature

Recent Price History

Date	Close	Volume
2026-06-17	$19.72	11,558
2026-06-15	$19.44	117,200
2026-06-12	$20.20	93,600
2026-06-11	$19.67	99,800
2026-06-10	$19.50	55,200
2026-06-09	$19.67	99,900
2026-06-08	$19.65	49,200
2026-06-05	$19.23	63,300
2026-06-04	$18.99	161,300
2026-06-03	$20.07	416,000
2026-06-02	$18.13	60,500
2026-06-01	$17.89	60,800
2026-05-29	$18.04	25,200
2026-05-28	$18.24	20,500
2026-05-27	$17.90	12,300
2026-05-26	$17.98	55,500
2026-05-22	$17.70	12,300
2026-05-21	$17.81	33,500
2026-05-20	$17.64	40,300
2026-05-19	$17.53	60,200
2026-05-18	$17.40	43,700

About VersaBank

VersaBank provides various banking products and services in Canada and the United States. The company operates through Digital Banking Canada; Digital Banking USA; and DRTC (cybersecurity services and banking and financial technology development) segments. It offers deposit products, such as guaranteed investment certificates, registered retirement savings plans, and tax-free savings accounts, as well as deposit insurance products. The company also provides lending services, including point of sale financing that covers purchasing loan and lease receivables from finance companies operating in various industries; commercial real estate mortgages and loans, public sector, leases, and other financing. In addition, it provides cybersecurity services. The company was formerly known as Pacific & Western Bank of Canada and changed its name to VersaBank in May 2016. VersaBank was incorporated in 1979 and is headquartered in London, Canada.

📰 Latest News

VersaBank (VBNK) is an Incredible Growth Stock: 3 Reasons Why

Zacks • 2026-06-09T16:45:01Z

VersaBank (VBNK) Q2 2026 Earnings Call Highlights: Record Revenue and Strategic Expansion

GuruFocus.com • 2026-06-03T21:00:18Z

VersaBank Q2 Earnings Call Highlights

MarketBeat • 2026-06-03T15:02:47Z

VersaBank (VBNK) Q2 Earnings Meet Estimates

Zacks • 2026-06-03T12:10:02Z

VersaBank up 1.2% in U.S. Pre-Market as Q2 Adjusted Earnings, Revenue, Beat Estimates

MT Newswires • 2026-06-03T11:56:23Z

TSX Growth Stocks With High Insider Ownership To Watch

Simply Wall St. • 2026-05-28T12:35:52Z

How VersaBank (TSX:VBNK) Story Is Shifting With Loan Growth And Early Stablecoin Custody Progress

Simply Wall St. • 2026-05-10T04:24:51Z

VersaBank Starts Pilot Program With FinanceIt For New Real-Time Structured Receivable Program

MT Newswires • 2026-04-29T13:29:18Z

3 TSX Growth Stocks With Insider Ownership Growing Earnings Up To 53%

Simply Wall St. • 2026-04-29T12:36:12Z

How The VersaBank (TSX:VBNK) Investment Story Is Evolving With Loan Growth And Stablecoin Custody

Simply Wall St. • 2026-04-24T01:11:01Z

Period:

Income Statement (Annual)

Metric	2025-10-31	2024-10-31	2023-10-31	2022-10-31
Revenue
Total Revenue	$89,129,882	$79,827,955	$77,684,106	$58,917,926
Operating Revenue	$89,129,882	$79,827,955	$77,684,106	$58,917,926
Expenses
Interest Expense	$128,367,739	$130,693,220	$92,449,342	$35,862,619
General And Administrative Expense	$51,280,020	$37,151,216	$33,236,798	$32,556,745
Income & Earnings
Net Income From Continuing Operation Net Minority Interest	$20,350,111	$28,423,509	$30,149,743	$16,202,573
Net Interest Income	$83,070,900	$73,407,851	$71,545,750	$54,823,305
Interest Income	$211,438,639	$204,101,072	$163,995,092	$90,685,924
Normalized Income	$20,350,111	$28,423,509	$30,149,743	$16,202,573
Net Income From Continuing And Discontinued Operation	$20,350,111	$28,423,509	$30,149,743	$16,202,573
Net Income Common Stockholders	$20,350,111	$27,716,997	$29,443,231	$15,496,061
Net Income	$20,350,111	$28,423,509	$30,149,743	$16,202,573
Net Income Including Noncontrolling Interests	$20,350,111	$28,423,509	$30,149,743	$16,202,573
Net Income Continuous Operations	$20,350,111	$28,423,509	$30,149,743	$16,202,573
Pretax Income	$29,671,346	$39,182,080	$41,221,524	$23,274,840
Per Share
Diluted EPS	$0.64	$1.07	$1.12	$0.56
Basic EPS	$0.64	$1.07	$1.12	$0.56
Other
Tax Effect Of Unusual Items	$0	$0	$0	$0
Tax Rate For Calcs	$0	$0	$0	$0
Reconciled Depreciation	$2,217,503	$1,883,554	$1,275,010	$1,385,850
Diluted Average Shares	$22,530,215	$18,567,902	$18,788,162	$20,509,586
Basic Average Shares	$22,530,215	$18,567,902	$18,788,162	$20,509,586
Diluted NI Availto Com Stockholders	$20,350,111	$27,716,997	$29,443,231	$15,496,061
Tax Provision	$9,321,235	$10,758,571	$11,071,782	$7,072,268
Selling General And Administration	$51,280,020	$37,151,216	$33,236,798	$32,556,745
Other Gand A	$24,117,935	$13,707,614	$10,762,862	$13,395,118
Salaries And Wages	$27,162,085	$23,443,602	$22,473,937	$19,161,627
Occupancy And Equipment	$5,022,812	$3,686,303	$2,790,292	$2,763,834
Preferred Stock Dividends	-	$706,512	$706,512	$706,512

Fetched: 2026-06-14

Balance Sheet (Annual)

Metric	2025-10-31	2024-10-31	2023-10-31	2022-10-31
Assets
Net Tangible Assets	$364,562,891	$268,051,106	$263,592,502	$244,372,953
Total Assets	$4,153,598,651	$3,459,965,071	$3,004,541,059	$2,335,491,655
Goodwill And Other Intangible Assets	$16,347,737	$17,416,085	$6,110,468	$6,392,215
Other Intangible Assets	$7,551,380	$8,619,729	$1,995,824	$2,277,571
Receivables	$22,016,992	$23,236,941	$17,547,662	$13,212,055
Accounts Receivable	$22,016,992	$23,236,941	$17,547,662	$13,212,055
Cash And Cash Equivalents	$415,976,633	$161,077,514	$94,565,302	$63,343,635
Cash Financial	$415,976,633	$161,077,514	$94,565,302	$63,343,635
Cash Cash Equivalents And Federal Funds Sold	$415,976,633	$161,077,514	$94,565,302	$63,343,635
Prepaid Assets	-	-	-	-
Other Receivables	-	-	-	-
Debt
Total Debt	$77,596,150	$77,644,061	$79,104,281	$78,246,884
Long Term Debt And Capital Lease Obligation	$77,596,150	$77,644,061	$79,104,281	$78,246,884
Long Term Debt	$74,023,546	$73,299,157	$76,407,666	$75,049,704
Net Debt	-	-	-	$11,706,069
Liabilities
Total Liabilities Net Minority Interest	$3,772,688,024	$3,174,497,880	$2,734,838,089	$2,084,726,487
Derivative Product Liabilities	$297,479	$0	-	-
Non Current Deferred Liabilities	$23,598	$100,828	$522,733	$562,063
Non Current Deferred Taxes Liabilities	$23,598	$100,828	$522,733	$562,063
Payables And Accrued Expenses	$90,102	$638,578	$5,338,883	$4,145,393
Payables	$90,102	$638,578	$5,338,883	$4,145,393
Total Tax Payable	$90,102	$638,578	$5,338,883	$4,145,393
Income Tax Payable	$90,102	$638,578	$5,338,883	$4,145,393
Accounts Payable	-	-	$6,922,813	$5,479,041
Equity
Common Stock Equity	$380,910,627	$285,467,191	$259,944,099	$241,006,296
Total Equity Gross Minority Interest	$380,910,627	$285,467,191	$269,702,970	$250,765,168
Stockholders Equity	$380,910,627	$285,467,191	$269,702,970	$250,765,168
Gains Losses Not Affecting Retained Earnings	$401,882	$-92,962	$93,677	$70,794
Other Equity Adjustments	$401,882	$-92,962	$93,677	$70,794
Retained Earnings	$145,684,426	$129,601,989	$104,434,298	$78,184,671
Preferred Stock Equity	-	-	$9,758,871	$9,758,871
Long Term Equity Investment	-	-	-	-
Other
Ordinary Shares Number	$22,844,022	$18,594,256	$18,566,973	$19,483,263
Share Issued	$22,844,022	$18,594,256	$18,566,973	$19,483,263
Tangible Book Value	$364,562,891	$268,051,106	$253,833,631	$234,614,082
Invested Capital	$454,934,173	$358,766,348	$336,351,765	$316,056,001
Capital Lease Obligations	$3,572,604	$4,344,904	$2,696,615	$3,197,180
Total Capitalization	$454,934,173	$358,766,348	$346,110,636	$325,814,872
Additional Paid In Capital	$1,768,424	$1,777,006	$1,797,028	$1,152,730
Capital Stock	$233,055,894	$154,181,159	$163,377,967	$171,356,973
Common Stock	$233,055,894	$154,181,159	$153,619,096	$161,598,101
Preferred Stock	$0	$0	$9,758,871	$9,758,871
Long Term Capital Lease Obligation	$3,572,604	$4,344,904	$2,696,615	$3,197,180
Long Term Provisions	$207,853,164	$122,429,608	$109,959,105	$90,180,353
Investments And Advances	$58,548,938	$214,708,758	$120,774,168	$101,912,881
Available For Sale Securities	$57,867,455	$214,027,275	$120,092,685	$101,231,397
Goodwill	$8,796,357	$8,796,357	$4,114,644	$4,114,644
Net PPE	$18,849,846	$19,035,055	$7,124,470	$7,858,870
Accumulated Depreciation	$-9,618,713	$-9,675,921	$-8,571,102	$-8,074,828
Gross PPE	$28,468,559	$28,710,976	$15,695,572	$15,933,698
Other Properties	$26,198,140	$26,258,923	$12,747,959	$12,489,096
Buildings And Improvements	$2,270,420	$2,452,053	$2,947,613	$3,444,602
Other Short Term Investments	$681,483	$681,483	$681,483	$681,483
Preferred Shares Number	-	-	$1,045,080	$1,045,080

Fetched: 2026-06-14

Cash Flow Statement (Annual)

Metric	2025-10-31	2024-10-31	2023-10-31	2022-10-31
Free Cash Flow
Free Cash Flow	$31,104,392	$181,724,388	$67,472,581	$-23,766,109
Operating Activities
Operating Cash Flow	$31,786,590	$195,009,382	$67,731,445	$-23,350,640
Cash Flow From Continuing Operating Activities	$31,786,590	$195,009,382	$67,731,445	$-23,350,640
Operating Gains Losses	$2,188,899	$-1,115,545	$7,513,480	$6,784,800
Investing Activities
Capital Expenditure	$-682,199	$-13,284,994	$-258,864	$-415,469
Investing Cash Flow	$151,784,168	$-112,686,469	$-20,122,711	$-101,265,722
Cash Flow From Continuing Investing Activities	$151,784,168	$-112,686,469	$-20,122,711	$-101,265,722
Financing Activities
Repurchase Of Capital Stock	$-6,526,652	$-10,451,081	$-9,505,013	$-1,380,129
Issuance Of Capital Stock	$82,072,631	$434,061	$200,226	$0
Financing Cash Flow	$72,970,215	$-16,684,545	$-12,379,687	$-4,505,800
Cash Flow From Continuing Financing Activities	$72,970,215	$-16,684,545	$-12,379,687	$-4,505,800
Cash Dividends Paid	$-2,313,325	$-2,565,753	$-2,574,334	$-2,666,581
Net Preferred Stock Issuance	$0	$-10,451,081	$0	$0
Net Common Stock Issuance	$75,545,979	$434,061	$-9,304,788	$-1,380,129
Common Stock Issuance	$82,072,631	$434,061	$200,226	$0
Other
Repayment Of Debt	$-262,439	$-4,101,772	$-500,565	$-459,090
End Cash Position	$415,976,633	$161,077,514	$94,565,302	$63,343,635
Beginning Cash Position	$161,077,514	$94,565,302	$63,343,635	$194,164,142
Effect Of Exchange Rate Changes	$-1,641,853	$873,843	$-4,007,380	$-1,698,345
Changes In Cash	$256,540,972	$65,638,368	$35,229,047	$-129,122,162
Preferred Stock Payments	$0	$-10,451,081	$0	$0
Common Stock Payments	$-6,526,652	$0	$-9,505,013	$-1,380,129
Net Issuance Payments Of Debt	$-262,439	$-4,101,772	$-500,565	$-459,090
Net Long Term Debt Issuance	$-262,439	$-4,101,772	$-500,565	$-459,090
Long Term Debt Payments	$-262,439	$-4,101,772	$-500,565	$-459,090
Net Investment Purchase And Sale	$152,466,366	$-90,737,410	$-19,863,848	$-100,850,253
Sale Of Investment	$156,267,084	-	-	-
Purchase Of Investment	$-3,800,718	$-90,737,410	$-19,863,848	$-100,850,253
Net Business Purchase And Sale	$0	$-8,664,064	$0	$0
Purchase Of Business	$0	$-8,664,064	$0	$0
Net PPE Purchase And Sale	$-682,199	$-13,284,994	$-258,864	$-415,469
Purchase Of PPE	$-682,199	$-13,284,994	$-258,864	$-415,469
Taxes Refund Paid	$-10,318,074	$-14,100,915	$-11,406,445	$-4,487,207
Interest Received Cfo	$209,819,669	$197,997,040	$157,874,613	$82,960,776
Interest Paid Cfo	$-133,663,001	$-119,890,314	$-67,065,693	$-25,713,307
Change In Working Capital	$11,834,786	$164,374,091	$8,895,754	$-53,723,492
Change In Other Working Capital	$605,210,210	$384,511,119	$617,006,381	$575,899,271
Other Non Cash Items	$-83,070,900	$-73,407,851	$-71,545,750	$-54,823,305
Stock Based Compensation	$57,923	$248,852	$644,299	$1,049,041
Asset Impairment Charge	$0	$296,764	$0	-
Deferred Tax	$9,321,235	$10,758,571	$11,071,782	$7,072,268
Deferred Income Tax	$9,321,235	$10,758,571	$11,071,782	$7,072,268
Depreciation Amortization Depletion	$2,217,503	$1,883,554	$1,275,010	$1,385,850
Depreciation And Amortization	$2,217,503	$1,883,554	$1,275,010	$1,385,850
Amortization Cash Flow	$2,217,503	$1,883,554	$1,275,010	$1,385,850
Amortization Of Intangibles	$2,217,503	$1,883,554	$1,275,010	$1,385,850
Net Foreign Currency Exchange Gain Loss	$2,188,899	$-1,115,545	$7,513,480	$6,784,800
Net Income From Continuing Operations	$20,350,111	$28,423,509	$30,149,743	$16,202,573
Issuance Of Debt	-	-	-	$0
Long Term Debt Issuance	-	-	-	$0

Fetched: 2026-06-14