VersaBank

VersaBank

VBNK
VersaBankUS flagNASDAQ Global Select
22.60
USD
+0.70
- -
727.62MMarket Cap
VersaBank
VBNK
(NASDAQ Global Select)

Recent

price

22.60

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
521
682
782

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
- -
- -
- -
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

APIChatGPT
  • VersaBank (VBNK) Is Up 13.59% in One Week: What You Should Know

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

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

  • VERSABANK LAUNCHES BREAKTHROUGH REAL-TIME STRUCTURED RECEIVABLE PROGRAM TO POINT-OF-SALE INDUSTRY IN CANADA AND UNITED STATES

  • Is VersaBank (VBNK) a Solid Growth Stock? 3 Reasons to Think "Yes"

  • VERSABANK FOUNDER AND PRESIDENT, DAVID TAYLOR, HONOURED AND GUEST SPEAKER IN THE GROUNDS OF WESTMINSTER ABBEY, LONDON, UK

  • VersaBank (VBNK) is an Incredible Growth Stock: 3 Reasons Why

  • VersaBank: Growth Is Still Outrunning Expectations

  • VersaBank (VBNK:CA) Q2 2026 Earnings Call Transcript

  • VersaBank Q2 Earnings Call Highlights

  • VersaBank (VBNK) Q2 Earnings Meet Estimates

  • VERSABANK DECLARES DIVIDENDS

  • VERSABANK REPORTS STRONG SECOND QUARTER RESULTS: STRONG US SRP GROWTH DRIVES 27% YEAR-OVER-YEAR INCREASE IN REVENUE AND NET INTEREST INCOME, 45% YEAR-OVER-YEAR GROWTH IN ADJUSTED (CORE) NET INCOME

  • VERSABANK ANNOUNCES PUBLIC FILING OF FORM S-4 REGISTRATION STATEMENT WITH THE SEC

  • VersaBank: A Quiet Winner

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

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

  • VERSABANK TO HOST SECOND QUARTER FISCAL 2026 FINANCIAL RESULTS CONFERENCE CALL/WEBCAST WEDNESDAY, JUNE 3 2026 at 9:00 A.M. ET

  • VERSABANK ANNOUNCES INDUSTRY BREAKTHROUGH INNOVATION IN POINT-OF-SALE FINANCING WITH START OF PILOT PROGRAM FOR AI-ENABLED REAL-TIME STRUCTURED RECEIVABLE PROGRAM

  • VERSABANK RECEIVES TSX APPROVAL FOR RENEWAL OF NORMAL COURSE ISSUER BID