VersaBank (VBNK) Stock Price, News & Analysis

Company Overview

VersaBank is a Canadian Schedule I chartered bank that operates as a fully digital institution, offering a range of deposit and lending solutions through its proprietary technology platform. Headquartered in London, Ontario, the bank has chosen to forego a traditional branch network in favor of online and digital distribution, enabling it to serve clients across Canada and the United States with efficiency and lower overhead.

The bank’s primary business activities include the origination and securitization of commercial loans, equipment financing, residential mortgages and construction loans. On the deposit side, VersaBank provides high-interest savings accounts, guaranteed investment certificates (GICs) and business demand deposit accounts. The bank also securitizes pools of loans to institutional investors, supporting both liquidity management and balance-sheet optimization.

Central to VersaBank’s strategy is its technology arm, which develops and licenses a patented digital vault solution for secure record-keeping and transactional verification. This digital vault not only underpins the bank’s own operations but is also made available to other financial institutions, allowing for encrypted storage and rapid retrieval of critical documents without reliance on paper records.

Founded in the early 1980s and publicly traded on the Nasdaq under the ticker VBNK, VersaBank is led by President and Chief Executive Officer Thomas C. Caldwell. The bank’s leadership team focuses on innovation in digital banking, aiming to expand its product suite while maintaining a strong capital base and adhering to regulatory requirements in the markets it serves.

Key Stats

• Today's Range: $17.68 to $17.92
• 50-Day Range: $13.38 to $18.84
• 52-Week Range: $10.10 to $19.02
• Volume: 12,172 shs
• Average Volume: 57,371 shs
• Market Capitalization: $569.36 million
• P/E Ratio: 25.29
• Dividend Yield: 0.40%
• Price Target: $13.00
• Consensus Rating: Moderate Buy

VersaBank Stock Analysis - MarketRank™

VersaBank scored higher than 42% of companies evaluated by MarketBeat, and ranked 710th out of 881 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.7 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

VersaBank has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on no strong buy ratings, 2 buy ratings, 2 hold ratings, and no sell ratings.

Downside Risk

VersaBank has a consensus price target of $13.00, representing about 26.8% downside from its current price of $17.75.

Amount of Analyst Coverage

VersaBank has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 53.54%

Earnings Growth

Earnings for VersaBank are expected to grow by 53.54% in the coming year, from $1.27 to $1.95 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of VersaBank is 25.36, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.94.

Price to Earnings Ratio vs. Sector

The P/E ratio of VersaBank is 25.36, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 23.93.

Price to Book Value per Share Ratio

VersaBank has a P/B Ratio of 1.49. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.93% of the float of VersaBank has been sold short.

Short Interest Ratio / Days to Cover

VersaBank has a short interest ratio ("days to cover") of 3.29, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in VersaBank has recently increased by 21.13%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

VersaBank has a dividend yield of 0.41%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

VersaBank does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of VersaBank is 10.00%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, VersaBank will have a dividend payout ratio of 3.59% next year. This indicates that VersaBank will be able to sustain or increase its dividend.

News and Social Media

• Score: 0.6 / 5
• News Sentiment: N/A

Search Interest

1 people have searched for VBNK on MarketBeat in the last 30 days.

MarketBeat Follows

Only 1 people have added VersaBank to their MarketBeat watchlist in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

Company Ownership

• Score: 0.9 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, VersaBank insiders have not sold or bought any company stock.

Percentage Held by Insiders

5.29% of the stock of VersaBank is held by insiders.

Percentage Held by Institutions

56.86% of the stock of VersaBank is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 3/03/2026
• Record date for 4/30 Dividend: 4/10/2026
• Ex-Dividend for 4/30 Dividend: 4/10/2026
• Dividend Payable: 4/30/2026
• Today: 5/22/2026
• Next Earnings (Estimated): 6/03/2026
• Fiscal Year End: 10/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - FOREIGN
• Sub-Industry: Banking
• Current Symbol: NASDAQ:VBNK
• CIK: 1690639
• Web: www.versabank.com
• Phone: (519) 645-1919
• Fax: N/A
• Employees: 100
• Year Founded: 1979

Price Target and Rating

• Average Price Target for VersaBank: $13.00
• High Price Target: $13.00
• Low Price Target: $13.00
• Potential Upside/Downside: -26.6%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.70
• Trailing P/E Ratio: 25.29
• Forward P/E Ratio: 13.94
• P/E Growth: N/A
• Net Income: $20.32 million
• Net Margins: 10.03%
• Pretax Margin: 14.61%
• Return on Equity: 7.70%
• Return on Assets: 0.73%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 1.11
• Quick Ratio: 1.11

Sales & Book Value

• Annual Sales: $133.33 million
• Price / Sales: 4.27
• Cash Flow: $0.90 per share
• Price / Cash Flow: 19.74
• Book Value: $11.90 per share
• Price / Book: 1.49

Miscellaneous

• Outstanding Shares: 32,167,000
• Free Float: 30,465,000
• Market Cap: $569.36 million
• Optionable: Not Optionable
• Beta: 1.11