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VersaBank VBNK

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Price alert · VBNK

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21.96 USD -0.62 -2.75%

At close · Oct 30

21.96 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
21.95 × 1
Ask
22.03 × 2
21.86 Day range 22.57
11.26 52-week range 23.72
YTD
+46.60%
1 year
+85.32%
Open
22.36
Prev close
22.58
Mkt cap
711.92M
Vol
88.44K
Avg vol
122.30K
EPS
0.76
P/E
28.89
Div yield
0.40%
More statistics
Low
21.86
High
22.57
Forward P/E
7.87
Beta
1.06
Short ratio
1.15
Inst. own
23.04%
Dividend
0.07
Ex-div date
Oct 3, 2024
Earnings
Sep 5, 2024
50-d avg
15.87
200-d avg
12.36
1y target
20.00

5D chart

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Financial health

Altman Z-Score

-0.73 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-3 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 4
  • P/E 1
  • P/B 3

Valuation

P/E 18.5×
FY 2016: 14.8×FY 2017: 6.9×FY 2018: 8.7×FY 2019: 8.0×FY 2020: 8.7×FY 2021: 15.5×FY 2022: 12.0×FY 2023: 6.8×FY 2024: 14.0×FY 2025: 18.5×
FY 2016 5y median 14.0× FY 2025
P/S 4.4×
FY 2016: 1.3×FY 2017: 1.7×FY 2018: 2.0×FY 2019: 1.6×FY 2020: 1.7×FY 2021: 3.4×FY 2022: 2.0×FY 2023: 1.2×FY 2024: 4.9×FY 2025: 4.4×
FY 2016 5y median 3.4× FY 2025
P/B 1.0×
FY 2016: 0.5×FY 2017: 0.6×FY 2018: 0.7×FY 2019: 0.6×FY 2020: 0.6×FY 2021: 1.0×FY 2022: 0.7×FY 2023: 0.7×FY 2024: 1.4×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
P/FCF 12.0×
FY 2016: -2.0×FY 2017: 1.6×FY 2018: -10.0×FY 2019: 7.3×FY 2020: 1.1×FY 2021: -3.0×FY 2022: -7.8×FY 2023: 3.0×FY 2024: 2.1×FY 2025: 12.0×
FY 2016 5y median 2.1× FY 2025
EV/EBITDA 1.1×
FY 2016: 4.6×FY 2017: 0.1×FY 2018: 2.8×FY 2019: 1.5×FY 2020: -3.3×FY 2021: 4.7×FY 2022: 8.1×FY 2023: 4.3×FY 2024: 7.4×FY 2025: 1.1×
FY 2016 5y median 4.7× FY 2025
EV/Sales 0.4×
FY 2016: 0.8×FY 2017: 0.0×FY 2018: 0.9×FY 2019: 0.5×FY 2020: -1.1×FY 2021: 1.6×FY 2022: 2.1×FY 2023: 1.1×FY 2024: 3.8×FY 2025: 0.4×
FY 2016 5y median 1.6× FY 2025
FCF Yield 8.3%
FY 2016: -49.7%FY 2017: 63.5%FY 2018: -10.0%FY 2019: 13.7%FY 2020: 93.0%FY 2021: -33.5%FY 2022: -12.8%FY 2023: 33.8%FY 2024: 46.8%FY 2025: 8.3%
FY 2016 5y median 8.3% FY 2025

Profitability

Gross Margin 100.0%
FY 2016: 54.7%FY 2017: 61.4%FY 2018: 63.3%FY 2019: 61.4%FY 2020: 63.3%FY 2021: 69.5%FY 2022: 61.8%FY 2023: 45.4%FY 2024: 100.0%FY 2025: 100.0%
FY 2016 5y median 69.5% FY 2025
Operating Margin 34.5%
FY 2016: 16.6%FY 2017: 20.6%FY 2018: 30.8%FY 2019: 31.5%FY 2020: 31.1%FY 2021: 32.5%FY 2022: 24.6%FY 2023: 24.2%FY 2024: 49.1%FY 2025: 34.5%
FY 2016 5y median 32.5% FY 2025
Net Margin 23.7%
FY 2016: 11.9%FY 2017: 27.2%FY 2018: 22.3%FY 2019: 22.9%FY 2020: 22.5%FY 2021: 23.6%FY 2022: 17.1%FY 2023: 17.7%FY 2024: 35.6%FY 2025: 23.7%
FY 2016 5y median 23.6% FY 2025
ROE 5.3%
FY 2016: 4.6%FY 2017: 9.3%FY 2018: 8.1%FY 2019: 8.4%FY 2020: 7.6%FY 2021: 6.7%FY 2022: 6.5%FY 2023: 11.2%FY 2024: 10.0%FY 2025: 5.3%
FY 2016 5y median 6.7% FY 2025
ROIC 3.0%
FY 2016: 3.4%FY 2017: 18.0%FY 2018: 6.6%FY 2019: 7.0%FY 2020: 6.9%FY 2021: 5.0%FY 2022: 3.8%FY 2023: 6.4%FY 2024: 5.7%FY 2025: 3.0%
FY 2016 5y median 5.0% FY 2025
ROA 0.5%
FY 2016: 0.5%FY 2017: 1.1%FY 2018: 1.0%FY 2019: 1.1%FY 2020: 1.0%FY 2021: 0.9%FY 2022: 0.7%FY 2023: 1.0%FY 2024: 0.8%FY 2025: 0.5%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue 7.7%
FY 2016: 7.7%FY 2017: 1.0%FY 2018: 13.2%FY 2019: 8.9%FY 2020: -2.5%FY 2021: 9.9%FY 2022: 40.0%FY 2023: 79.5%FY 2024: -53.1%FY 2025: 7.7%
FY 2016 FY 2025
Operating Income -24.3%
FY 2016: 30.1%FY 2017: 25.3%FY 2018: 69.8%FY 2019: 11.2%FY 2020: -3.8%FY 2021: 15.1%FY 2022: 5.7%FY 2023: 77.1%FY 2024: -4.9%FY 2025: -24.3%
FY 2016 FY 2025
EPS (diluted) -39.6%
FY 2016: -3.0%FY 2017: 159.4%FY 2018: 3.6%FY 2019: -1.2%FY 2020: -3.5%FY 2021: 17.1%FY 2022: -17.7%FY 2023: 98.7%FY 2024: -5.1%FY 2025: -39.6%
FY 2016 FY 2025
Free Cash Flow -82.9%
FY 2016: 18.7%FY 2017: 261.9%FY 2018: -121.0%FY 2019: 222.9%FY 2020: 613.2%FY 2021: -177.7%FY 2022: 69.3%FY 2023: 383.9%FY 2024: 169.3%FY 2025: -82.9%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.1×FY 2017: 1.8×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 0.1×FY 2017: 1.8×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.2×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.1×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA -10.6×
FY 2016: -2.9×FY 2017: -7.6×FY 2018: -3.4×FY 2019: -3.5×FY 2020: -8.6×FY 2021: -5.3×FY 2022: 0.6×FY 2023: -0.4×FY 2024: -2.0×FY 2025: -10.6×
FY 2016 5y median -2.0× FY 2025
Interest Coverage 0.2×
FY 2016: 0.4×FY 2017: 0.5×FY 2018: 0.9×FY 2019: 0.8×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 0.6×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.2×
FY 2016 5y median 0.4× FY 2025

Dividends

Dividend Yield 0.6%
FY 2016: 2.3%FY 2017: 1.8%FY 2018: 1.9%FY 2019: 2.6%FY 2020: 2.9%FY 2021: 1.2%FY 2022: 1.4%FY 2023: 1.3%FY 2024: 0.7%FY 2025: 0.6%
FY 2016 5y median 1.2% FY 2025
Payout Ratio 11.4%
FY 2016: 26.0%FY 2017: 11.3%FY 2018: 16.8%FY 2019: 18.2%FY 2020: 22.1%FY 2021: 17.2%FY 2022: 16.5%FY 2023: 8.5%FY 2024: 9.0%FY 2025: 11.4%
FY 2016 5y median 11.4% FY 2025

Annual · latest fiscal year ends 2025-10-31