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VersaBank

VersaBank

VBNK.TO
VersaBankCA flagToronto Stock Exchange
31.88
CAD
+0.46
- -
1.03BMarket Cap
VersaBank
VBNK.TO
(Toronto Stock Exchange)

Recent

price

31.88

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
- -
1.85
2.08
1.69
1.57
1.82
2
2.1
2.45
2.55
2.57
3
2.87
4.13
4.3
3.96
4.4
Revenue per Share
- -
0.48
0.24
0.11
0.29
0.42
0.32
0.83
0.75
0.85
0.82
0.96
0.76
1.57
1.49
0.9
0.95
Basic EPS, GAAP
- -
-1.28
-0.64
-5.34
-1.49
-2.96
-2.35
3.63
-0.75
0.92
6.6
-4.98
-1.16
3.59
9.79
1.38
7.42
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
0.09
0.11
0.11
0.14
0.17
0.2
0.18
0.13
0.14
0.14
0.1
0.1
Dividend per Share
- -
5.64
5.88
8.03
7.14
7.47
7.87
8.58
9.19
9.97
10.69
14.63
11.69
13.73
15.28
16.81
17.17
Book Value per Share
- -
6.1
5.88
8.03
7.14
7.47
7.88
8.59
9.19
9.98
10.7
14.21
11.44
13.51
14.44
16.18
16.56
Tangible Book Value per Share
- -
16
16
17
19
19
20
21
21
21
21
22
29
26
26
32
32
Basic Weighted Avg Shares
- -
29
33
28
31
35
40
44
52
54
54
65
82
109
112
125
141
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
1
1
- -
- -
- -
1
1
1
1
1
2
2
2
3
3
4
Depreciation Expense
- -
8
4
2
6
8
8
19
18
20
19
22
23
42
40
28
30
Net Income, GAAP
- -
32.35
52.74
29.58
8.55
9.08
27.96
- -
27.74
27.41
27.46
27.31
30.39
26.86
27.46
31.41
31.43
Effective Tax Rate (%)
- -
25.9
11.62
6.31
18.61
23.24
21.35
44.41
34.97
37.46
35.81
34.24
27.5
38.81
35.61
22.83
21.47
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
64
93
93
64
57
57
58
43
43
38
17
100
109
111
109
109
104
LT Debt
87
97
93
133
153
175
186
209
224
240
255
332
351
377
399
533
552
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
9.33
4.2
1.56
4.18
5.79
4.16
10.3
8.51
8.89
7.9
7.65
6.63
11.83
10.23
6.14
5.64
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Oct'25
Jan'26
Apr'26
ST Debt
- -
- -
- -
LT Borrowings
104
100
101
LT Finance Leases
5
4
4
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
32
32
32
Market Capitalization
524
683
780

Working Capital

FRC

•

in mil. unless spec.
Oct'25
Jan'26
Apr'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
583
729
674
Accounts Receivable, Net
31
33
34
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
1
1
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
12.21%
16.5%
33.43%
Free Cash Flow
-55.57%
-108.9%
-82.88%
Net Income, GAAP
20.21%
13.7%
-28.4%
Sales/Revenue/Turnover
13.83%
18.59%
11.65%
Total Cash Common Dividend
- -
9.5%
24.42%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
29
29
27
27
112
2025
28
30
32
35
125
2026
37
38
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.48
0.45
0.36
- -
1.49
2025
0.28
0.26
0.2
- -
0.9
2026
0.35
0.23
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.03
0.03
0.03
- -
0.14
2025
0.03
0.03
0.02
- -
0.1
2026
0.02
0.02
- -
- -
- -
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Business
VersaBank (TSX, Nasdaq: VBNK) operates as a Canadian Schedule I chartered bank and the world's first fully digital financial institution, delivering branchless, cloud-based business-to-business banking solutions focused on digital deposits and lending across Canada and the United States through three segments: Digital Banking Canada, Digital Banking USA, and DRTC cybersecurity services. The bank offers deposit products including guaranteed investment certificates, registered retirement savings plans, tax-free savings accounts, high-interest savings accounts, and deposit insurance products sourced via a nationwide network of deposit brokers and financial intermediaries; lending services encompass point-of-sale financing for e-commerce and home improvement purchases, receivables purchase programs providing liquidity to public sector entities, hospitals, municipalities, and corporations, commercial real estate mortgages and loans, public sector financing, equipment leases, and other specialized corporate lending; cybersecurity solutions through wholly owned subsidiary DRT Cyber Inc., including digital vault services and threat protection for financial institutions, multinationals, and governments. Founded in 1980 as Pacific & Western Trust Corporation and renamed VersaBank in 2016, the bank maintains headquarters in London, Ontario, with deposit operations in Saskatoon, Saskatchewan, and financing offices across Canada. Recent developments include the addition of two new Receivable Purchase Program partners in Canada in September 2025, marking the first securitization partner with an initial funding transaction completed and a second expected soon, alongside the largest U.S. RPP partner announcement surpassing fiscal 2025 targets with US$310 million in fundings, the launch of an enhanced CMHC lending program in November 2025 projected to generate at least $2 million in incremental fiscal 2026 revenue, implementation of internally developed AI capabilities for real-time cash flow purchasing within RPP, and celebration of its first U.S. annual meeting by ringing the Nasdaq closing bell in April 2025.

Company News

APIChatGPT

  • gurufocus.com

    VERSABANK DONATES $60,000 TO THE SALVATION ARMY'S HARVEST HOPE CAMPAIGN

  • gurufocus.com

    VERSABANK ANNOUNCES FOUNDER AND PRESIDENT, DAVID TAYLOR, NAMED EXECUTIVE OF THE YEAR BY THE CANADIAN LENDERS ASSOCIATION