Business Description
VersaBank
NAICS : 522110
SIC : 7021
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Traded in other countries / regions
VBNK.CanadaVEW.GermanyVBNK.USA IPO Date
2013-08-27Description
VersaBank is a Canadian Schedule I chartered bank. It is a fully digital financial institution providing a business-to-business model using its proprietary financial technology to profitably address underserved segments of the Canadian banking market in the pursuit of superior net interest margins while mitigating risk. It obtains its deposits and provides the majority of its loans and leases electronically, with deposit and lending solutions for financial intermediaries. Revenue is recognized in the form of interests income on loans provided and others. The company has two operating segment namely, Digital banking and DRTC. The majority of revenue is generated through Digital banking segment.
Financial Strength
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 1.88 | |||||
| Equity-to-Asset | 0.1 | |||||
| Debt-to-Equity | 0.31 | |||||
| Debt-to-EBITDA | 1.19 | |||||
| Interest Coverage | N/A |
N/A
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N/A
| |||
| Piotroski F-Score | 6/9 | |||||
| Beneish M-Score | -2.13 | |||||
| WACC vs ROIC | ||||||
Growth Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 5.6 | |||||
| 3-Year EPS without NRI Growth Rate | -2.4 | |||||
| 3-Year Book Growth Rate | 8.7 | |||||
| Future 3-5Y Total Revenue Growth Rate | 22.69 |
Momentum Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 53.43 | |||||
| 9-Day RSI | 51.41 | |||||
| 14-Day RSI | 49.95 | |||||
| 6-1 Month Momentum % | 2.85 | |||||
| 12-1 Month Momentum % | -24.96 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 0.99 | |||||
| Dividend Payout Ratio | 0.11 | |||||
| 3-Year Dividend Growth Rate | 12.6 | |||||
| Forward Dividend Yield % | 0.99 | |||||
| 5-Year Yield-on-Cost % | 0.99 | |||||
| 3-Year Average Share Buyback Ratio | -8.9 |
Profitability Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 29.44 | |||||
| ROE % | 7.68 | |||||
| ROA % | 0.88 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 10.74 | |||||
| Forward PE Ratio | 6.51 | |||||
| PE Ratio without NRI | 10.74 | |||||
| Shiller PE Ratio | 14.14 | |||||
| Price-to-Owner-Earnings | 1.48 | |||||
| PEG Ratio | 1.28 | |||||
| PS Ratio | 3.06 | |||||
| PB Ratio | 0.79 | |||||
| Price-to-Tangible-Book | 0.83 | |||||
| Price-to-Free-Cash-Flow | 1.33 | |||||
| Price-to-Operating-Cash-Flow | 1.33 | |||||
| EV-to-Revenue | 2.03 | |||||
| EV-to-Forward-Revenue | 3.47 | |||||
| EV-to-FCF | 0.89 | |||||
| Price-to-Projected-FCF | 0.44 | |||||
| Price-to-DCF (Earnings Based) | 0.32 | |||||
| Price-to-DCF (FCF Based) | 0.11 | |||||
| Price-to-Peter-Lynch-Fair-Value | 1.33 | |||||
| Price-to-Graham-Number | 0.63 | |||||
| Forward Rate of Return (Yacktman) % | 18.59 |
How VersaBank (TSX:VBNK) Makes Its Money
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
See DetailsInsider Trades
See DetailsPeter Lynch Chart
Performance
Dividend
Log
Annualized Return %
Total Annual Return %
Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil C$) | 90.044 | ||
| EPS (TTM) (C$) | 0.94 | ||
| Beta | 0.98 | ||
| Volatility % | 27.88 | ||
| 14-Day RSI | 49.95 | ||
| 14-Day ATR (C$) | 0.186135 | ||
| 20-Day SMA (C$) | 10.092 | ||
| 12-1 Month Momentum % | -24.96 | ||
| 52-Week Range (C$) | 8.75 - 15 | ||
| Shares Outstanding (Mil) | 26.1 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 6 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
VersaBank Filings
| Document | Form | Filing Date | ||
|---|---|---|---|---|
| No Filing Data | ||||
VersaBank Stock Events
| Event | Date | Price(C$) | ||
|---|---|---|---|---|
| No Event Data | ||||
VersaBank Frequently Asked Questions
What is VersaBank(TSX:VBNK)'s stock price today?
The current price of TSX:VBNK is C$10.10. The 52 week high of TSX:VBNK is C$15.00 and 52 week low is C$8.75.
When is next earnings date of VersaBank(TSX:VBNK)?
The next earnings date of VersaBank(TSX:VBNK) is 2023-06-01 Est..
Does VersaBank(TSX:VBNK) pay dividends? If so, how much?
The Dividend Yield %  of VersaBank(TSX:VBNK) is 0.99% (As of Today), Highest Dividend Payout Ratio of VersaBank(TSX:VBNK) was 0.13. The lowest was 0.05. And the median was 0.1. The  Forward Dividend Yield % of VersaBank(TSX:VBNK) is 0.99%. For more information regarding to dividend, please check our Dividend Page.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
