VersaBank (VBNK) Stock Price, News & Analysis

Company Overview

VersaBank is a technology-focused bank headquartered in London, Ontario, Canada. The company operates a digital banking model that uses technology to deliver lending and deposit services without relying on a large traditional branch network.

The bank provides commercial lending, residential and consumer financing, and deposit products. Its specialty finance activities include purchasing and funding loan portfolios originated by third-party financial institutions and other businesses, including point-of-sale financing providers. VersaBank also offers financial institutions and businesses banking solutions designed to support their lending and liquidity needs.

VersaBank serves customers in Canada and the United States through its Canadian operations and U.S. banking activities. The institution was formerly known as Pacific & Western Bank of Canada and adopted the VersaBank name in 2017. David Taylor serves as the company's President and Chief Executive Officer.

Key Stats

• Today's Range: $21.80 to $22.31
• 50-Day Range: $18.97 to $23.47
• 52-Week Range: $11.25 to $25.05
• Volume: 22,227 shs
• Average Volume: 88,307 shs
• Market Capitalization: $709.32 million
• P/E Ratio: 28.91
• Dividend Yield: 0.32%
• Price Target: $24.00
• Consensus Rating: Moderate Buy

VersaBank Stock Analysis - MarketRank™

VersaBank scored higher than 70% of companies evaluated by MarketBeat, and ranked 449th out of 855 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: 2.8 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

VersaBank has received a consensus rating of Moderate Buy. The company's average rating score is 2.75, and is based on no strong buy ratings, 3 buy ratings, 1 hold rating, and no sell ratings.

Upside/Downside

The consensus price target for VersaBank is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

VersaBank has only been the subject of 4 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 74.79%

Earnings Growth

Earnings for VersaBank are expected to grow by 74.79% in the coming year, from $1.19 to $2.08 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of VersaBank is 29.24, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.77.

Price to Earnings Ratio vs. Sector

The P/E ratio of VersaBank is 29.24, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 24.66.

Price to Book Value per Share Ratio

VersaBank has a P/B Ratio of 1.77. 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

1.09% 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 2.09, 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 47.91%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

VersaBank has a dividend yield of 0.32%, 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 9.21%. 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 3.37% next year. This indicates that VersaBank will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.2 / 5
• News Sentiment: 0.52

News Sentiment

VersaBank has a news sentiment score of 0.52. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.72 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for VersaBank this week, compared to 3 articles on an average week.

Search Interest

2 people have searched for VBNK on MarketBeat in the last 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

• Record date for 7/31 Dividend: 7/10/2026
• Ex-Dividend for 7/31 Dividend: 7/10/2026
• Dividend Payable: 7/31/2026
• Last Earnings: 9/03/2026
• Today: 10/01/2026
• Record date for 10/31 Dividend: 10/09/2026
• Ex-Dividend for 10/31 Dividend: 10/09/2026
• Dividend Payable: 10/31/2026
• Fiscal Year End: 10/31/2026
• Next Earnings (Estimated): 12/09/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:VBNK
• CIK: 1690639
• Web: www.versabank.com
• Phone: (519) 645-1919
• Fax: N/A
• Employees: 131
• Year Founded: 1979

Price Target and Rating

• Average Price Target for VersaBank: $24.00
• High Price Target: $28.00
• Low Price Target: $20.00
• Potential Upside/Downside: +9.3%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.75
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.76
• Trailing P/E Ratio: 28.95
• Forward P/E Ratio: 18.45
• P/E Growth: N/A
• Net Income: $20.32 million
• Net Margins: 9.92%
• Pretax Margin: 14.50%
• Return on Equity: 8.66%
• Return on Assets: 0.75%

Debt

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

Sales & Book Value

• Annual Sales: $217.14 million
• Price / Sales: 3.27
• Cash Flow: $0.89 per share
• Price / Cash Flow: 24.81
• Book Value: $12.53 per share
• Price / Book: 1.75

Miscellaneous

• Outstanding Shares: 32,330,000
• Free Float: 30,617,000
• Market Cap: $709.87 million
• Optionable: Not Optionable
• Beta: 1.06