VersaBank

As of July 31, 2026, VersaBank carries a market capitalization of 878.88M, placing it among publicly traded companies globally. Its enterprise value stands at 361.90M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

VersaBank's next confirmed earnings release is scheduled for December 16, 2026.

As of July 31, 2026, VersaBank has 32.42M shares outstanding.

As of July 31, 2026, VersaBank trades at a trailing price-to-earnings ratio of 25.68. The price-to-sales ratio is 5.85, and the price-to-book ratio stands at 1.55.

These figures are as of July 31, 2026. The EV/Sales ratio of 2.43 reflects the premium investors pay for the company's revenue stream, a useful check when earnings are depressed or negative. VersaBank trades at an EV/FCF ratio of 36.62, comparing the total takeover cost of the business to the cash it actually generates for all capital providers. These enterprise value multiples are built on an enterprise value of 361.90M versus a market cap of 878.88M, with the gap driven by net debt and cash on the balance sheet.

These figures are as of July 31, 2026.

Over the twelve months ended July 31, 2026, VersaBank posted a return on equity (ROE) of 6.19, showing how much profit the company earns on every dollar of shareholder capital. Return on assets (ROA) stands at 0.55, measuring how efficiently the asset base is converted into earnings. Return on capital employed (ROCE) is 5.19, useful for judging operating efficiency across full business cycles. The company generates approximately 1.14M in revenue per employee across its workforce of 131.00, a quick read on workforce productivity versus industry peers.

Over the twelve months ended July 31, 2026, VersaBank recorded 15.57M in income tax expense. That works out to an effective tax rate of 31.50, which can sit above or below the statutory corporate tax rate depending on foreign earnings mix, tax credits, and one-off items. Taxes are levied on pretax income of 49.43M, leaving 33.86M in net income after tax - the gap is what shifts in the tax rate do to reported earnings and EPS.

As of the close on October 22, 2026, VersaBank's stock has gained approximately 92.42% over the past 52 weeks. The 50-day moving average sits at 30.21, while the 200-day moving average is 25.56.

Over the twelve months ended July 31, 2026, VersaBank generated 148.71M in revenue and converted that into 33.86M in net income, yielding earnings per share of 1.06.

As of July 31, 2026, VersaBank holds 624.23M in cash and equivalents against 107.24M in total debt, resulting in a net debt position of -386.26M.

VersaBank produced 16.01M in operating cash flow over the twelve months ended July 31, 2026. After subtracting -6.12M in capital expenditures, free cash flow totaled 9.88M - equivalent to 0.31 per share.

These figures cover the twelve months ended July 31, 2026.

Over the twelve months ended July 31, 2026, VersaBank paid dividends of 0.10 per share. The dividend payout ratio of 9.49 indicates the proportion of earnings distributed to shareholders, a key gauge of how sustainable the dividend is and how much room remains for future dividend growth. Free cash flow yield stands at 1.14, showing how much cash the business generates relative to its market value - dividends covered by free cash flow are generally more durable than those funded by debt. Total shareholder yield is negative at -0.05, meaning VersaBank raised more capital through share issuance and new debt than it returned via dividends and buybacks.