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Versabank

VBNK

11.650USD

-0.090-0.77%

Close 11/07, 16:00（ET）Quotes delayed by 15 min

374.75MMarket Cap

13.14P/E TTM



Versabank

11.650

-0.090-0.77%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Company

Financials

Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of Versabank

Currency: USD Updated: 2025-11-07

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Buy. Despite an average stock market performance, the company shows strong fundamentals and technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Versabank's Score

Industry at a Glance

Industry Ranking

153 / 407

Overall Ranking

231 / 4614

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 2 analysts

Buy

Current Rating

11.500

Target Price

-1.29%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Versabank Highlights

StrengthsRisks

VersaBank is a Canada-based chartered bank. The Bank provides commercial lending and banking services in Canada and the United States, as well as cybersecurity services and banking and financial technology development services through the operations of its wholly owned subsidiary DRT Cyber Inc. (DRTC). It operates through two segments: Digital Banking and DRTC (cybersecurity services). The Digital Banking segment obtains its deposits and provides its loans and leases electronically via deposit and lending solutions for financial intermediaries. Its loan portfolio includes point-of-sale loans and leases, commercial real estate mortgages, commercial real estate loans and public sector and other financing. The DRTC segment develops solutions to address the volume of cyber threats challenging financial institutions, multi-national corporations and government entities. It also offers receivable purchase program (RPP) funding solution for point-of-sale finance companies.

Growing

The company is in a growing phase, with the latest annual income totaling USD 72.44M.

High Profit Growth

The company's net income leads the industry, with the latest annual income totaling USD 72.44M.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 6.71%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 6.71%.

Overvalued

The company’s latest PB is 0.98, at a high 3-year percentile range.

Institutional Selling

The latest institutional holdings are 11.69M shares, decreasing 9.21% quarter-over-quarter.

Higher Market Activity

The company has more investor interest, with a 20-day turnover ratio of 1.03.

Financial Health

Currency: USD Updated: 2025-11-07

The company's current financial score is 7.30, which is higher than the Banking Services industry's average of 7.05. Its financial status is stable, and its operating efficiency is average. Its latest quarterly revenue reached 21.55M, representing a year-over-year decrease of 13.60%, while its net profit experienced a year-over-year decrease of 49.64%.

Score

Industry at a Glance

Previous score

7.30

Change



Financials

7.25

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

7.46

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

7.26

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

7.27

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

7.24

Key Metrics

Free cash flow

No Data

Versabank's Company Valuation

Currency: USD Updated: 2025-11-07

The company’s current valuation score is 7.56, which is lower than the Banking Services industry's average of 7.67. Its current P/E ratio is 17.06, which is 9.96% below the recent high of 18.76 and 100.00% above the recent low of 0.00.

Score

Industry at a Glance

Previous score

7.56

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 153/407

No Data

Earnings Forecast

Currency: USD Updated: 2025-11-07

The company’s current earnings forecast score is 7.00, which is lower than the Banking Services industry's average of 7.41. The average price target for Versabank is 11.50, with a high of 13.00 and a low of 10.00.

Score

Industry at a Glance

Previous score

7.00

Change

Support & Resistance

No Data

Analyst Rating

Based on 2 analysts

Buy

Current Rating

11.500

Target Price

-1.29%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

295

Total

Median

Average

Company name

Ratings

Analysts

Versabank

VBNK

JPMorgan Chase & Co

JPM

Bank of America Corp

BAC

Wells Fargo & Co

WFC

US Bancorp

USB

Regions Financial Corp

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-11-07

The company’s current price momentum score is 6.73, which is lower than the Banking Services industry's average of 7.61. Sideways: Currently, the stock price is trading between the resistance level at 12.43 and the support level at 11.13, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

6.51

Change

0.22

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(5)

Neutral(2)

Buy(0)

Indicators

Value

Direction

MACD(12,26,9)

-0.053

Sell

RSI(14)

42.761

Neutral

STOCH(KDJ)(9,3,3)

18.746

Neutral

ATR(14)

0.312

High Vlolatility

CCI(14)

-189.941

Sell

Williams %R

79.688

Sell

TRIX(12,20)

-0.139

Sell

StochRSI(14)

9.664

Sell

Moving Average

Sell(5)

Neutral(0)

Buy(1)

Indicators

Value

Direction

MA5

11.818

Sell

MA10

11.864

Sell

MA20

11.923

Sell

MA50

12.098

Sell

MA100

11.667

Sell

MA200

11.537

Buy

Institutional Confidence

Currency: USD Updated: 2025-11-07

Score

Industry at a Glance

Previous score

3.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

GBH Inc

8.51M

AllianceBernstein L.P.

2.84M

+1.05%

Taylor (David Roy)

1.28M

CIBC World Markets Inc.

1.30M

-2.04%

Mendon Capital Advisors Corp.

1.05M

+3.96%

Rhino Investment Partners, Inc.

816.92K

-13.38%

Curi Capital, LLC

800.00K

+5.03%

Pacific Ridge Capital Partners, LLC

616.40K

+4.36%

Pembroke Management Ltd.

429.61K

+27.35%

TCW Asset Management Company LLC

460.61K

+43.11%

Risk Assessment

Currency: USD Updated: 2025-11-07

The company’s current risk assessment score is 5.09, which is lower than the Banking Services industry's average of 6.61. The company's beta value is 1.12. This indicates that the stock tends to outperform the index during upward trending markets but experiences larger declines during downward trending markets.