VersaBank
NASDAQ Global SelectTotal Valuation
VersaBank carries a market capitalization of 734.94M, placing it among publicly traded companies globally. Its enterprise value stands at 362.67M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 734.94M |
| Enterprise Value | 362.67M |
Share Statistics
VersaBank currently has 32.42M shares outstanding.
| Shares Outstanding | 32.42M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
VersaBank trades at a trailing price-to-earnings ratio of 25.73. The price-to-sales ratio is 5.86, and the price-to-book ratio stands at 1.56.
| PE Ratio | 25.73 |
| PS Ratio | 5.86 |
| PB Ratio | 1.56 |
| P/TBV Ratio | 1.61 |
| P/FCF Ratio | 39.37 |
| P/OCF Ratio | 54.43 |
Enterprise Valuation
On an enterprise value basis, VersaBank trades at an EV/EBITDA multiple of 90.28 and an EV/FCF ratio of 16.39.
| EV / Sales | 2.44 |
| EV / EBITDA | 90.28 |
| EV / EBIT | N/A |
| EV / FCF | 16.39 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 18.96 |
| Debt / EBITDA | 26.70 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 6.19 |
| Return on Assets (ROA) | 0.55 |
| 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 15.57M in income taxes, reflecting an effective tax rate of 31.50.
| Income Tax | 15.57M |
| Effective Tax Rate | 31.50 |
Stock Price Statistics
VersaBank's stock has gained approximately 89.866% over the past 52 weeks. The 50-day moving average sits at 21.43, while the 200-day moving average is 18.42.
| Beta (5Y) | N/A |
| 52-Week Price Change | 89.866% |
| 50-Day Moving Average | 21.43 |
| 200-Day Moving Average | 18.42 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, VersaBank generated 148.71M in revenue and converted that into 33.86M in net income, yielding earnings per share of 1.05.
| Revenue | 148.71M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 49.43M |
| Net Income | 33.86M |
| EBITDA | 4.02M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 1.05 |
Balance Sheet
VersaBank holds 624.23M in cash and equivalents against 107.24M in total debt, resulting in a net debt position of -386.26M.
| Cash & Cash Equivalents | 624.23M |
| Total Debt | 107.24M |
| Net Debt | -386.26M |
| Equity (Book Value) | 565.57M |
| Book Value Per Share | 17.45 |
| Working Capital | N/A |
Cash Flow
VersaBank produced 16.01M in operating cash flow over the past twelve months. After subtracting -6.12M in capital expenditures, free cash flow totaled 9.88M - equivalent to 0.31 per share.
| Operating Cash Flow | 16.01M |
| Capital Expenditures | -6.12M |
| Free Cash Flow | 9.88M |
| FCF Per Share | 0.31 |
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 | 33.24 |
| Profit Margin | 22.77 |
| EBITDA Margin | 2.70 |
Dividends & Yields
The company's payout ratio of 9.49 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 0.10 |
| Dividend Yield | N/A |
| Payout Ratio | 9.49 |
| Shareholder Yield | -0.05 |
| FCF Yield | 2.54 |
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 |