VersaBank

VersaBank

VBNK
VersaBankUS flagNASDAQ Global Select
22.67
USD
+0.24
- -
734.94MMarket Cap
VersaBank
VBNK
(NASDAQ Global Select)

Recent

price

22.67

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
4.63
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
1.05
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
0.31
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
5.01
5.55
5.35
6.85
7.14
7.47
7.79
8.48
9.19
9.98
10.7
11.61
12.37
14
15.35
16.67
17.45
Book Value per Share
5.01
5.55
5.35
6.85
7.14
7.47
7.79
8.48
9.19
9.98
10.7
11.26
12.04
13.67
14.42
15.96
16.84
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
149
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
34
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
31.5
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
22.77
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
64
93
93
64
57
57
58
43
43
38
17
100
109
111
109
109
107
LT Debt
87
97
93
133
153
175
186
209
224
240
255
332
351
377
399
533
566
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
8.24
4.03
1.56
4.17
5.78
4.15
10.29
8.5
8.89
7.89
7.64
6.61
11.75
10.16
6.11
6.19
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Jan'26
Apr'26
Jul'26
ST Debt
- -
- -
- -
LT Borrowings
100
101
104
LT Finance Leases
4
4
3
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
32
32
32
Market Capitalization
678
784
880

Working Capital

FRC

•

in mil. unless spec.
Jan'26
Apr'26
Jul'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
729
674
624
Accounts Receivable, Net
33
34
36
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
1
1
3
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
39
- -
- -

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
0.31
- -
- -

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
0.03
- -
- -
Business
VersaBank, a Canadian Schedule I chartered bank, delivers an array of digital banking solutions and related financial technologies across Canada and the United States. The institution presents a suite of deposit products, including guaranteed investment certificates, registered retirement savings plans, daily interest savings accounts, and tax-free savings accounts, all managed through its fully electronic, branchless model, often sourced via financial intermediary partners. The bank also specializes in lending, notably through its Receivable Purchase Program, which involves acquiring loan and lease portfolios from point-of-sale finance providers operating across diverse sectors. Its commercial banking arm extends to commercial real estate, public sector and infrastructure financing, condominium development loans, and residential mortgages. VersaBank distinguishes itself as a pioneering digital-first institution, leveraging proprietary technology, including recent artificial intelligence implementations, to enhance its low-risk business-to-business model and support innovative digital asset initiatives like Digital Deposit Receipts. Formerly known as Pacific & Western Bank of Canada, the company adopted the VersaBank name in May 2016. Established in 1979, its principal offices are located in London, Canada.

Company News

  • SB Financial Group (NASDAQ:SBFG) & VersaBank (NASDAQ:VBNK) Head-To-Head Comparison

  • VersaBank Initiates Commercial Phase of Tokenized Deposit Program in the United States

  • VersaBank Receives Canadian Finance Minister Approval for Reorganization

  • VersaBank's 2026 Outlook: U.S. Expansion Targets $300 Million in Annual Funding

  • VersaBank (TSE:VBNK) Shareholders to Collect $0.03 Quarterly Dividend

  • VersaBank: Expensive, But Growth Still Justifies A Buy

  • Versabank Partners with Fiserv to Provide Critical Digital Asset Technology and Custody/Reserve Management Services for Bank of North Dakota's Roughrider Stablecoin

  • VersaBank Significantly Expands Addressable Market for Structured Receivable Program in the U.S. with Launch of Funding to Small Business Sector

  • VersaBank (VBNK:CA) Shareholder/Analyst Call Transcript

  • VersaBank to Participate in the Raymond James US Bank and Banking on Tech Conference in Chicago on September 8-10, 2026

  • VersaBank (VBNK:CA) Q3 2026 Earnings Call Transcript

  • VersaBank Q3 Earnings Call Highlights

  • VersaBank (VBNK) Misses Q3 Earnings and Revenue Estimates

  • VersaBank Announces First Implementation of Real-Time Structured Receivable Program in the United States

  • VERSABANK TO HOST THIRD QUARTER FISCAL 2026 FINANCIAL RESULTS CONFERENCE CALL/WEBCAST THURSDAY, SEPTEMBER 3 AT 9:00 A.M. ET

  • VERSABANK ANNOUNCES SIGNING OF REORGANIZATION AGREEMENT AND FILING AND MAILING OF MATERIALS FOR SPECIAL MEETING OF SHAREHOLDERS TO APPROVE PROPOSED REORGANIZATION

  • VersaBank (TSE:VBNK) Trading 0.8% Higher – Here’s Why

  • VERSABANK FORM S-4 REGISTRATION STATEMENT FOR PROPOSED REORGANIZATION DECLARED EFFECTIVE BY SEC

  • VERSABANK APPOINTS INVESTOR RELATIONS VETERAN LAWRENCE CHAMBERLAIN AS GLOBAL SVP, INVESTOR AND STAKEHOLDER RELATIONS

  • VERSABANK CALLS SPECIAL SHAREHOLDER MEETING TO APPROVE PROPOSED REORGANIZATION