Price
No data yet.
Social Signal Score
Analyst Ratings
2 analystsRevenue
$39.04M+119.54%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Susan Teresa McGovern
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 131
- Beta
- 1.08
- Country
- CA
- Piotroski score
- 6 / 9 (Middling)
- Altman Z-score
- -0.73
Financials
Revenue
$39.04M+119.5%Net Income
$10.06M+430.6%EBITDA
$15.11M+473.0%Free Cash Flow
$35.61MEPS (diluted)
$0.31+229.8%Shares Outstanding (diluted)
23.01M+14.5%Operating Expenses
$14.62MCash & Debt
$490.30MReturn of Capital
$817.9KDividend per Share
$0.02Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $120.23M | $28.46M | $0.90 |
| 2024 | $111.63M | $39.75M | $1.49 |
| 2023 | $237.92M | $42.16M | $1.57 |
| 2022 | $132.54M | $22.66M | $0.79 |
| 2021 | $94.69M | $22.38M | $0.96 |
| 2020 | $86.15M | $19.41M | $0.82 |
| 2019 | $88.33M | $20.20M | $0.85 |
| 2018 | $81.10M | $18.07M | $0.86 |
| 2017 | $71.62M | $19.47M | $0.83 |
| 2016 | $70.94M | $8.47M | $0.32 |
| 2015 | $65.85M | $8.22M | $0.33 |
| 2014 | $60.79M | $5.68M | $0.29 |
| 2013 | $63.24M | $1.76M | $0.11 |
| 2012 | $74.19M | $3.82M | $0.24 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from VBNK's reported EPS growth of 10.7% a year over 13 years.
- EPS in 5 years
- $1.50
- Implied price
- $27.03
- Return from $22.36
- 3.9% a year
To earn 15.0% a year on these assumptions you'd need to buy at $13.44 — -39.9% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 12 | 15 | 18 | 21 | 24 |
|---|---|---|---|---|---|
| 0.7% | -12.9% | -8.9% | -5.5% | -2.6% | 0.1% |
| 5.7% | -8.6% | -4.4% | -0.8% | 2.3% | 5.0% |
| 10.7% | -4.2% | 0.1% | 3.9% | 7.1% | 10.0% |
| 15.7% | 0.1% | 4.7% | 8.6% | 12.0% | 15.0% |
| 20.7% | 4.4% | 9.2% | 13.2% | 16.8% | 20.0% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
50+0.00%Social Signal Score
Mentions (8)
- Newsfool.com·2d ago·Neutral
VersaBank's 2026 Outlook: U.S. Expansion Targets $300 Million in Annual Funding VersaBank is scaling its digital U.S. lending business through proprietary AI-enabled technology. Declining profit margins reflect the high costs of integration and international corporate reorganization.
View source ↗ - Newsseekingalpha.com·4d ago·Neutral
VersaBank: Expensive, But Growth Still Justifies A Buy VersaBank (VBNK) continues to deliver strong year-over-year growth, with Q3 revenue up 23% and adjusted net income up 27%. U.S. operations are now a significant profit driver, but ambitious 2027 SRP growth targets require flawless execution and additional capital. Net interest margin compressed to 2.19%, but credit quality remains robust and management expects NIM to recover as portfolio mix improves.
View source ↗ - Newsnewsfilecorp.com·36d ago·Neutral
… the Raymond James US Bank and Banking on Tech Conference in Chicago on September 8-10, 2026 London, Ontario--(Newsfile Corp. - September 4, 2026) - VersaBank (TSX: VBNK) (NASDAQ: VBNK) (the "Bank"), a North American leader in business-to-business digital banking, as well as technology solutions for cybersecurity, today announced management will participate in the Raymond James US Bank and Banking on Tech Conference in Chicago to be held on September 8-10, 2026. VersaBank management will partic…
View source ↗ - Newsmarketbeat.com·37d ago·Negative
VersaBank Q3 Earnings Call Highlights VersaBank NASDAQ: VBNK reported record third-quarter fiscal 2026 revenue, credit assets and net interest income, as growth in its U.S. Structured Receivable Program, or SRP, continued to accelerate.
View source ↗ - Newszacks.com·37d ago·Negative
VersaBank (VBNK) Misses Q3 Earnings and Revenue Estimates VersaBank (VBNK) came out with quarterly earnings of $0.27 per share, missing the Zacks Consensus Estimate of $0.34 per share. This compares to earnings of $0.22 per share a year ago.
View source ↗ - Newsnewsfilecorp.com·39d ago·Negative
…nnounces First Implementation of Real-Time Structured Receivable Program in the United States London, Ontario--(Newsfile Corp. - September 1, 2026) - VersaBank (TSX: VBNK) (NASDAQ: VBNK) (or the "Bank"), a North American leader in business-to-business digital banking, as well as technology solutions for cybersecurity, today announced that its recently launched Real-Time Structured Receivable Program (SRP) has been implemented for the first time in the United States by the Bank's SRP partner ECN …
View source ↗ - Newsprnewswire.com·45d ago·Neutral
VERSABANK TO HOST THIRD QUARTER FISCAL 2026 FINANCIAL RESULTS CONFERENCE CALL/WEBCAST THURSDAY, SEPTEMBER 3 AT 9:00 A.M. ET Bank to Report Third Quarter Fiscal 2026 Results Thursday, September 3, 2026 at 7:00 a.m. ET LONDON, ON, Aug. 26, 2026 /PRNewswire/ -- VersaBank (or the "Bank") (TSX: VBNK) (NASDAQ: VBNK) will report its third quarter 2026 financial results and host a conference call to discuss those results on Thursday, September 3, 2026.
View source ↗ - Newsprnewswire.com·46d ago·Neutral
…ard of Directors Unanimously Recommends Shareholders Vote FOR the Proposed Reorganization – LONDON, ON, Aug. 25, 2026 /PRNewswire/ -- VersaBank (or the "Bank") (TSX: VBNK) (NASDAQ: VBNK), a North American leader in business-to-business digital banking, as well as technology solutions for cybersecurity, today announced its management information circular (the "Circular") and related materials in connection with the Bank's upcoming special meeting of shareholders (the "Meeting") to consider and vo…
View source ↗
Earnings
Wed, Dec 9(in 8 weeks)
Consensus estimate $0.36 per share
Typical surprise +0.0% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Sep 3$0.27 vs $0.34miss
- Wed, Jun 3$0.28 vs $0.28beat
- Wed, Mar 4$0.27 vs $0.27beat
- Wed, Dec 10$0.24 vs $0.24beat
- Thu, Sep 4$0.22 vs $0.20beat
- Wed, Jun 4$0.18 vs $0.21miss
Estimates and results for VBNK via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Congress trades
No disclosed congressional trades in VBNK.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.