VersaBank
Toronto Stock ExchangeTotal Valuation
VersaBank carries a market capitalization of 1.03B, placing it among publicly traded companies globally. Its enterprise value stands at 210.00M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 1.03B |
| Enterprise Value | 210.00M |
Share Statistics
VersaBank currently has 32.20M shares outstanding.
| Shares Outstanding | 32.20M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
VersaBank trades at a trailing price-to-earnings ratio of 25.68. The price-to-sales ratio is 5.51, and the price-to-book ratio stands at 1.41.
| PE Ratio | 25.68 |
| PS Ratio | 5.51 |
| PB Ratio | 1.41 |
| P/TBV Ratio | 1.47 |
| P/FCF Ratio | 3.12 |
| P/OCF Ratio | 3.19 |
Enterprise Valuation
On an enterprise value basis, VersaBank trades at an EV/EBITDA multiple of 59.74 and an EV/FCF ratio of 0.84.
| EV / Sales | 1.48 |
| EV / EBITDA | 59.74 |
| EV / EBIT | N/A |
| EV / FCF | 0.84 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 18.89 |
| Debt / EBITDA | 29.68 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 5.64 |
| Return on Assets (ROA) | 0.53 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, VersaBank has paid 13.92M in income taxes, reflecting an effective tax rate of 31.43.
| Income Tax | 13.92M |
| Effective Tax Rate | 31.43 |
Stock Price Statistics
VersaBank's stock has gained approximately 102.15599% over the past 52 weeks. The 50-day moving average sits at 26.11, while the 200-day moving average is 21.12.
| Beta (5Y) | N/A |
| 52-Week Price Change | 102.15599% |
| 50-Day Moving Average | 26.11 |
| 200-Day Moving Average | 21.12 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, VersaBank generated 141.48M in revenue and converted that into 30.38M in net income, yielding earnings per share of 0.95.
| Revenue | 141.48M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 44.30M |
| Net Income | 30.38M |
| EBITDA | 3.52M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 0.95 |
Balance Sheet
VersaBank holds 674.44M in cash and equivalents against 104.32M in total debt, resulting in a net debt position of -467.47M.
| Cash & Cash Equivalents | 674.44M |
| Total Debt | 104.32M |
| Net Debt | -467.47M |
| Equity (Book Value) | 551.99M |
| Book Value Per Share | 17.17 |
| Working Capital | N/A |
Cash Flow
VersaBank produced 244.31M in operating cash flow over the past twelve months. After subtracting -5.88M in capital expenditures, free cash flow totaled 238.43M - equivalent to 7.42 per share.
| Operating Cash Flow | 244.31M |
| Capital Expenditures | -5.88M |
| Free Cash Flow | 238.43M |
| FCF Per Share | 7.42 |
Margins
VersaBank operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 31.31 |
| Profit Margin | 21.47 |
| EBITDA Margin | 2.48 |
Dividends & Yields
The company's payout ratio of 10.57 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 0.10 |
| Dividend Yield | N/A |
| Payout Ratio | 10.57 |
| Shareholder Yield | 1.11 |
| FCF Yield | 32.07 |
Scores
VersaBank posts an Altman Z-Score of 0.15, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.15 |