# VersaBank (VBNK) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $22.04, market value $714 million.

## Valuation
- **P/E (trailing): 29.0×** (5-yr avg 9.7×, 3-yr avg 9.3×). VersaBank trades at 29.0× trailing earnings, well above its own five-year average of 9.7×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.3×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 6.7×**. Each dollar of revenue is priced at 6.7×.
- **Price / book: 1.8×**. The shares trade at 1.8× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 1.0%** (5-yr avg 26.8%). Free cash flow equals 1.0% of the market value, below its five-year average of 26.8%, so the shares are pricier on cash than usual.
- **Earnings yield: 3.4%**. The inverse of the P/E: 3.4% of the price is earned each year.

## Profitability
- **Net margin: 22.8%**. 22.8% of each dollar of sales reaches the bottom line.
- **Return on equity: 5.3%**. 5.3% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.6%**. Each dollar of assets produces 0.6% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 11.7%** (3-yr 14.8%/yr, 5-yr 18.1%/yr). Revenue grew 11.7% over the last year, against 18.1% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): -39.6%** (3-yr 4.4%/yr, 5-yr 1.9%/yr). Earnings per share fell 39.6%, slower than revenue, so margins compressed.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.
- **Cash and short-term investments: $416 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 0.33%** ($0.07 per share, trailing). VersaBank yields 0.33%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 11%** (33% of free cash flow). 11% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 1**. 1 straight year of increases.
- **Shareholder yield: -0.5%**. Dividends plus net buybacks return -0.5% of the market value a year.

## Analyst view
- **Analyst consensus: buy** (2 analysts). 2 analysts cover VersaBank; the consensus is buy, with an average price target of $25.50 (+16% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 83.2%** (YTD 45.2%, 3-mo 10.8%). The shares are up 83.2% over twelve months including dividends.
- **From 52-week high: -12.0%** (95.9% above the low). Trading 12% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 43**. An RSI of 43 is neutral.
- **Beta (1 yr): 0.76** (volatility 40%). Beta of 0.76 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=VBNK · Page: https://foliofundamentals.com/stocks/vbnk

Not investment advice.