VBNK
VersaBank
Price Chart
Latest Quote
$22.34
-0.98 (-4.20%)
Current Price
| Previous Close | $23.32 |
| Open | $23.17 |
| Day High | $23.41 |
| Day Low | $22.27 |
| Volume | 104,713 |
Stock Information
Note: Financial values converted from CAD to USD
| Quarterly Dividend / Yield | $0.07 / 0.31% |
| Shares Outstanding | 32.42M |
| Quarterly Dividend Yield | 0.31% |
| Quarterly Dividend | $0.07 |
| Total Debt | $76.29M |
| Cash Equivalents | $350.22M |
| Revenue | $104.21M |
| Net Income | $24.09M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $724.24M |
| P/E Ratio | 29.39 |
| EPS (TTM) | $0.76 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $339.17M |
| Sales | $104.21M |
| Income | $24.09M |
| Book/sh | $12.42 |
| Cash/sh | $15.19 |
| Employees | 131 |
Financial Ratios
| EPS Growth TTM | 52.80% |
Returns & Margins
| ROA | 0.55% |
| ROE | 6.19% |
| Operating Margin | 35.54% |
| Profit Margin | 23.11% |
Ownership
| Insider Ownership | 37.27% |
| Institutional Ownership | 38.32% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 12.82 |
| P/S | 4.94 |
| P/B | 1.80 |
Analyst Data
| Recommendation | buy |
| Target Price | $25.50 |
Technical Indicators
| SMA20 | $22.44 |
| SMA50 | $21.80 |
| SMA200 | $18.63 |
| RSI | 54.77 |
| ATR | 0.6968 |
| Shares Float | 20.76M |
| Short Ratio | 3.04 |
| Volatility | 1.00 |
| Rel Volume | 0.96 |
Performance History
| Week | -1.46% |
| Month | -0.85% |
| Quarter | +15.61% |
| 6 Months | +22.14% |
| YTD | +49.44% |
| Year | +89.36% |
| 3 Years | +205.74% |
| 5 Years | +95.82% |
| 10 Years | +120.47% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-10-27 | $22.34 | 108,400 |
| 2026-10-26 | $23.32 | 145,800 |
| 2026-10-23 | $23.25 | 60,400 |
| 2026-10-22 | $22.84 | 64,700 |
| 2026-10-21 | $23.04 | 41,600 |
| 2026-10-20 | $22.67 | 61,600 |
| 2026-10-19 | $22.43 | 57,800 |
| 2026-10-16 | $22.28 | 60,200 |
| 2026-10-15 | $22.39 | 101,800 |
| 2026-10-14 | $21.88 | 154,300 |
| 2026-10-13 | $22.65 | 73,100 |
| 2026-10-12 | $22.74 | 130,000 |
| 2026-10-09 | $22.04 | 278,200 |
| 2026-10-08 | $21.86 | 107,300 |
| 2026-10-07 | $21.88 | 105,900 |
| 2026-10-06 | $22.26 | 76,800 |
| 2026-10-05 | $22.34 | 131,800 |
| 2026-10-02 | $22.38 | 279,200 |
| 2026-10-01 | $22.09 | 120,100 |
| 2026-09-30 | $22.20 | 95,100 |
| 2026-09-29 | $22.15 | 125,800 |
| 2026-09-28 | $22.53 | 172,400 |
About VersaBank
VersaBank provides various banking products and services in Canada and the United States. The company operates through four segments: Digital Banking Canada, Digital Banking USA, DRTC (Cybersecurity), and Digital Meteor. 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.
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Income Statement (Annual)
| Metric | 2025-10-31 | 2024-10-31 | 2023-10-31 | 2022-10-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $88,942,247 | $79,659,902 | $77,520,567 | $58,793,893 |
| Operating Revenue | $88,942,247 | $79,659,902 | $77,520,567 | $58,793,893 |
| Expenses | ||||
| Interest Expense | $128,097,501 | $130,418,088 | $92,254,720 | $35,787,122 |
| General And Administrative Expense | $51,172,066 | $37,073,006 | $33,166,829 | $32,488,207 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $20,307,270 | $28,363,672 | $30,086,272 | $16,168,463 |
| Net Interest Income | $82,896,021 | $73,253,315 | $71,395,133 | $54,707,892 |
| Interest Income | $210,993,522 | $203,671,402 | $163,649,853 | $90,495,013 |
| Normalized Income | $20,307,270 | $28,363,672 | $30,086,272 | $16,168,463 |
| Net Income From Continuing And Discontinued Operation | $20,307,270 | $28,363,672 | $30,086,272 | $16,168,463 |
| Net Income Common Stockholders | $20,307,270 | $27,658,648 | $29,381,248 | $15,463,439 |
| Net Income | $20,307,270 | $28,363,672 | $30,086,272 | $16,168,463 |
| Net Income Including Noncontrolling Interests | $20,307,270 | $28,363,672 | $30,086,272 | $16,168,463 |
| Net Income Continuous Operations | $20,307,270 | $28,363,672 | $30,086,272 | $16,168,463 |
| Pretax Income | $29,608,882 | $39,099,594 | $41,134,746 | $23,225,843 |
| Per Share | ||||
| Diluted EPS | $0.64 | $1.06 | $1.12 | $0.56 |
| Basic EPS | $0.64 | $1.06 | $1.12 | $0.56 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $2,212,835 | $1,879,589 | $1,272,326 | $1,382,932 |
| Diluted Average Shares | $22,482,785 | $18,528,813 | $18,748,609 | $20,466,409 |
| Basic Average Shares | $22,482,785 | $18,528,813 | $18,748,609 | $20,466,409 |
| Diluted NI Availto Com Stockholders | $20,307,270 | $27,658,648 | $29,381,248 | $15,463,439 |
| Tax Provision | $9,301,612 | $10,735,922 | $11,048,474 | $7,057,379 |
| Selling General And Administration | $51,172,066 | $37,073,006 | $33,166,829 | $32,488,207 |
| Other Gand A | $24,067,162 | $13,678,757 | $10,740,204 | $13,366,919 |
| Salaries And Wages | $27,104,904 | $23,394,249 | $22,426,625 | $19,121,288 |
| Occupancy And Equipment | $5,012,238 | $3,678,543 | $2,784,418 | $2,758,015 |
| Preferred Stock Dividends | - | $705,024 | $705,024 | $705,024 |
Fetched: 2026-10-26
Balance Sheet (Annual)
| Metric | 2025-10-31 | 2024-10-31 | 2023-10-31 | 2022-10-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $363,795,420 | $267,486,810 | $263,037,592 | $243,858,504 |
| Total Assets | $4,144,854,573 | $3,452,681,218 | $2,998,215,956 | $2,330,575,021 |
| Goodwill And Other Intangible Assets | $16,313,322 | $17,379,421 | $6,097,604 | $6,378,758 |
| Other Intangible Assets | $7,535,483 | $8,601,583 | $1,991,622 | $2,272,776 |
| Receivables | $21,970,642 | $23,188,023 | $17,510,721 | $13,184,241 |
| Accounts Receivable | $21,970,642 | $23,188,023 | $17,510,721 | $13,184,241 |
| Cash And Cash Equivalents | $415,100,926 | $160,738,416 | $94,366,225 | $63,210,285 |
| Cash Financial | $415,100,926 | $160,738,416 | $94,366,225 | $63,210,285 |
| Cash Cash Equivalents And Federal Funds Sold | $415,100,926 | $160,738,416 | $94,366,225 | $63,210,285 |
| Prepaid Assets | - | - | - | - |
| Other Receivables | - | - | - | - |
| Debt | ||||
| Total Debt | $77,432,796 | $77,480,606 | $78,937,752 | $78,082,160 |
| Long Term Debt And Capital Lease Obligation | $77,432,796 | $77,480,606 | $78,937,752 | $78,082,160 |
| Long Term Debt | $73,867,713 | $73,144,849 | $76,246,814 | $74,891,711 |
| Net Debt | - | - | - | $11,681,426 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $3,764,745,832 | $3,167,814,987 | $2,729,080,759 | $2,080,337,760 |
| Derivative Product Liabilities | $296,852 | $0 | - | - |
| Non Current Deferred Liabilities | $23,548 | $100,616 | $521,632 | $560,880 |
| Non Current Deferred Taxes Liabilities | $23,548 | $100,616 | $521,632 | $560,880 |
| Payables And Accrued Expenses | $89,912 | $637,234 | $5,327,644 | $4,136,666 |
| Payables | $89,912 | $637,234 | $5,327,644 | $4,136,666 |
| Total Tax Payable | $89,912 | $637,234 | $5,327,644 | $4,136,666 |
| Income Tax Payable | $89,912 | $637,234 | $5,327,644 | $4,136,666 |
| Accounts Payable | - | - | $6,908,240 | $5,467,507 |
| Equity | ||||
| Common Stock Equity | $380,108,741 | $284,866,231 | $259,396,869 | $240,498,934 |
| Total Equity Gross Minority Interest | $380,108,741 | $284,866,231 | $269,135,197 | $250,237,261 |
| Stockholders Equity | $380,108,741 | $284,866,231 | $269,135,197 | $250,237,261 |
| Gains Losses Not Affecting Retained Earnings | $401,036 | $-92,766 | $93,480 | $70,645 |
| Other Equity Adjustments | $401,036 | $-92,766 | $93,480 | $70,645 |
| Retained Earnings | $145,377,734 | $129,329,153 | $104,214,445 | $78,020,078 |
| Preferred Stock Equity | - | - | $9,738,327 | $9,738,327 |
| Long Term Equity Investment | - | - | - | - |
| Other | ||||
| Ordinary Shares Number | $22,795,931 | $18,555,111 | $18,527,886 | $19,442,247 |
| Share Issued | $22,795,931 | $18,555,111 | $18,527,886 | $19,442,247 |
| Tangible Book Value | $363,795,420 | $267,486,810 | $253,299,265 | $234,120,176 |
| Invested Capital | $453,976,454 | $358,011,080 | $335,643,683 | $315,390,645 |
| Capital Lease Obligations | $3,565,083 | $4,335,757 | $2,690,938 | $3,190,449 |
| Total Capitalization | $453,976,454 | $358,011,080 | $345,382,010 | $325,128,973 |
| Additional Paid In Capital | $1,764,702 | $1,773,265 | $1,793,245 | $1,150,303 |
| Capital Stock | $232,565,270 | $153,856,579 | $163,034,027 | $170,996,235 |
| Common Stock | $232,565,270 | $153,856,579 | $153,295,700 | $161,257,908 |
| Preferred Stock | $0 | $0 | $9,738,327 | $9,738,327 |
| Long Term Capital Lease Obligation | $3,565,083 | $4,335,757 | $2,690,938 | $3,190,449 |
| Long Term Provisions | $207,415,595 | $122,171,872 | $109,727,621 | $89,990,507 |
| Investments And Advances | $58,425,682 | $214,256,758 | $120,519,917 | $101,698,335 |
| Available For Sale Securities | $57,745,633 | $213,576,709 | $119,839,868 | $101,018,287 |
| Goodwill | $8,777,839 | $8,777,839 | $4,105,982 | $4,105,982 |
| Net PPE | $18,810,164 | $18,994,983 | $7,109,471 | $7,842,326 |
| Accumulated Depreciation | $-9,598,464 | $-9,655,551 | $-8,553,059 | $-8,057,829 |
| Gross PPE | $28,408,628 | $28,650,534 | $15,662,530 | $15,900,154 |
| Other Properties | $26,142,988 | $26,203,643 | $12,721,123 | $12,462,804 |
| Buildings And Improvements | $2,265,640 | $2,446,891 | $2,941,407 | $3,437,351 |
| Other Short Term Investments | $680,049 | $680,049 | $680,049 | $680,049 |
| Preferred Shares Number | - | - | $1,042,879 | $1,042,879 |
Fetched: 2026-10-26
Cash Flow Statement (Annual)
| Metric | 2025-10-31 | 2024-10-31 | 2023-10-31 | 2022-10-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $31,038,911 | $181,341,825 | $67,330,539 | $-23,716,077 |
| Operating Activities | ||||
| Operating Cash Flow | $31,719,674 | $194,598,852 | $67,588,858 | $-23,301,483 |
| Cash Flow From Continuing Operating Activities | $31,719,674 | $194,598,852 | $67,588,858 | $-23,301,483 |
| Operating Gains Losses | $2,184,291 | $-1,113,196 | $7,497,663 | $6,770,517 |
| Investing Activities | ||||
| Capital Expenditure | $-680,762 | $-13,257,027 | $-258,319 | $-414,594 |
| Investing Cash Flow | $151,464,634 | $-112,449,243 | $-20,080,349 | $-101,052,539 |
| Cash Flow From Continuing Investing Activities | $151,464,634 | $-112,449,243 | $-20,080,349 | $-101,052,539 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-6,512,912 | $-10,429,080 | $-9,485,004 | $-1,377,224 |
| Issuance Of Capital Stock | $81,899,853 | $433,148 | $199,804 | $0 |
| Financing Cash Flow | $72,816,599 | $-16,649,421 | $-12,353,625 | $-4,496,314 |
| Cash Flow From Continuing Financing Activities | $72,816,599 | $-16,649,421 | $-12,353,625 | $-4,496,314 |
| Cash Dividends Paid | $-2,308,455 | $-2,560,352 | $-2,568,915 | $-2,660,967 |
| Net Preferred Stock Issuance | $0 | $-10,429,080 | $0 | $0 |
| Net Common Stock Issuance | $75,386,941 | $433,148 | $-9,285,199 | $-1,377,224 |
| Common Stock Issuance | $81,899,853 | $433,148 | $199,804 | $0 |
| Other | ||||
| Repayment Of Debt | $-261,887 | $-4,093,137 | $-499,511 | $-458,123 |
| End Cash Position | $415,100,926 | $160,738,416 | $94,366,225 | $63,210,285 |
| Beginning Cash Position | $160,738,416 | $94,366,225 | $63,210,285 | $193,755,392 |
| Effect Of Exchange Rate Changes | $-1,638,397 | $872,004 | $-3,998,944 | $-1,694,770 |
| Changes In Cash | $256,000,907 | $65,500,187 | $35,154,883 | $-128,850,336 |
| Preferred Stock Payments | $0 | $-10,429,080 | $0 | $0 |
| Common Stock Payments | $-6,512,912 | $0 | $-9,485,004 | $-1,377,224 |
| Net Issuance Payments Of Debt | $-261,887 | $-4,093,137 | $-499,511 | $-458,123 |
| Net Long Term Debt Issuance | $-261,887 | $-4,093,137 | $-499,511 | $-458,123 |
| Long Term Debt Payments | $-261,887 | $-4,093,137 | $-499,511 | $-458,123 |
| Net Investment Purchase And Sale | $152,145,397 | $-90,546,392 | $-19,822,031 | $-100,637,945 |
| Sale Of Investment | $155,938,114 | - | - | - |
| Purchase Of Investment | $-3,792,717 | $-90,546,392 | $-19,822,031 | $-100,637,945 |
| Net Business Purchase And Sale | $0 | $-8,645,825 | $0 | $0 |
| Purchase Of Business | $0 | $-8,645,825 | $0 | $0 |
| Net PPE Purchase And Sale | $-680,762 | $-13,257,027 | $-258,319 | $-414,594 |
| Purchase Of PPE | $-680,762 | $-13,257,027 | $-258,319 | $-414,594 |
| Taxes Refund Paid | $-10,296,353 | $-14,071,230 | $-11,382,433 | $-4,477,761 |
| Interest Received Cfo | $209,377,961 | $197,580,220 | $157,542,258 | $82,786,129 |
| Interest Paid Cfo | $-133,381,616 | $-119,637,923 | $-66,924,508 | $-25,659,176 |
| Change In Working Capital | $11,809,871 | $164,028,054 | $8,877,027 | $-53,610,394 |
| Change In Other Working Capital | $603,936,133 | $383,701,654 | $615,707,471 | $574,686,899 |
| Other Non Cash Items | $-82,896,021 | $-73,253,315 | $-71,395,133 | $-54,707,892 |
| Stock Based Compensation | $57,801 | $248,328 | $642,942 | $1,046,833 |
| Asset Impairment Charge | $0 | $296,139 | $0 | - |
| Deferred Tax | $9,301,612 | $10,735,922 | $11,048,474 | $7,057,379 |
| Deferred Income Tax | $9,301,612 | $10,735,922 | $11,048,474 | $7,057,379 |
| Depreciation Amortization Depletion | $2,212,835 | $1,879,589 | $1,272,326 | $1,382,932 |
| Depreciation And Amortization | $2,212,835 | $1,879,589 | $1,272,326 | $1,382,932 |
| Amortization Cash Flow | $2,212,835 | $1,879,589 | $1,272,326 | $1,382,932 |
| Amortization Of Intangibles | $2,212,835 | $1,879,589 | $1,272,326 | $1,382,932 |
| Net Foreign Currency Exchange Gain Loss | $2,184,291 | $-1,113,196 | $7,497,663 | $6,770,517 |
| Net Income From Continuing Operations | $20,307,270 | $28,363,672 | $30,086,272 | $16,168,463 |
| Issuance Of Debt | - | - | - | $0 |
| Long Term Debt Issuance | - | - | - | $0 |
Fetched: 2026-10-26