VBNK logo

VERSABANK

VBNKNASDAQ
πŸ† #2623 by market capEarnings Dec 8US Equity
$22.22β–² $0.05 (+0.23%)
πŸŒ™ After hours$22.22β–² 0.00%Regular close Β· extended-hours price shown
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24hβ–² 0.2%
7dβ–Ό 5.0%
14dβ–Ό 5.4%
30dβ–² 17.2%
ytdβ–² 48.3%
1yβ–² 81.1%
🏦Market Cap
$715M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+7.7%
Slowing
πŸ“ŠGross Margin
42.9%
Healthy
πŸ’΅FCF Margin
30.2%
Strong
βš–οΈP/S Ratio
3.0x
Cheap
Otter Score
52
Weak

Trading Snapshot

Day Range
$22.01 – $22.42
52-Week Range
$11.25 – $25.05
Volume
$2.52B
Avg Volume
$2.37B
Shares Outstanding
32.2M
Next Earnings
Dec 7, 2026

Fundamentals Snapshot

Annual Revenue
$120M
Last Q Revenue
$93M
P/E Ratio
30.1
P/S Ratio
3.0x
EPS (TTM)
$1.05
Dividend Yield
0.32%
Dilution (1yr)
+25.4%

Why Investors Own VBNK

  • βœ“High-growth profile β€” revenue up +4.4% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 26% gross margin and 16% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

VBNK logo

VERSABANK

VBNK
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$120Mβ–² +7.7% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
100.0%β–² +0.0% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$41Mβ–Ό βˆ’24.3% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$43Mβ–Ό βˆ’82.9% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
32.6Mβ–² +25.4% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$473Mβ–² +$357M YoY
StockOtter Β· stockotter.space

About VERSABANK

VersaBank, a federally regulated financial institution (Schedule I chartered bank) operating across Canada, delivers a diverse array of banking and lending solutions. Clients can choose from various deposit products, including Guaranteed Investment Certificates (GICs), Registered Retirement Savings Plans (RRSPs), Daily Interest Savings Accounts (DISAs), and Tax-Free Savings Accounts (TFSAs), all complemented by deposit protection. The bank also provides comprehensive lending services. This includes point-of-sale financing, where it acquires loan and lease receivables from other finance companies across numerous industries. Additionally, its commercial banking division supports sectors such as commercial real estate, public sector and infrastructure projects, condominium financing, and residential mortgages. Established in 1979, the institution was initially known as Pacific & Western Bank of Canada before adopting its current name, VersaBank, in May 2016. The company maintains its headquarters in London, Canada.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
52/100

Analyst Ratings

β“˜
Consensus
Buy
8 analysts
Strong Buy2
Buy5
Hold1
Sell0
Strong Sell0
Ratings as of Sep 2026

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