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VBNK

VersaBank

Dec 19 • 04:00PM ET

15.07

+0.23 1.55 %

Financial • Banks - Regional • Canada • NASD

Peers: JPM GS C BK PNC COF ALLY MTB AX RF

| Held by: QABA DFIS DFIC DFAX

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Index	-	P/E	23.28	EPS (ttm)	0.65	Insider Own	37.59%	Shs Outstand	31.95M	Perf Week	4.22%
Market Cap	481.49M	Forward P/E	7.16	EPS next Y	2.10	Insider Trans	0.00%	Shs Float	10.00M	Perf Month	33.84%
Enterprise Value	-	PEG	-	EPS next Q	0.28	Inst Own	35.03%	Short Float	1.78%	Perf Quarter	17.64%
Income	20.27M	P/S	2.22	EPS this Y	60.95%	Inst Trans	-1.35%	Short Ratio	3.23	Perf Half Y	32.78%
Sales	217.22M	P/B	1.27	EPS next Y	54.73%	ROA	0.53%	Short Interest	0.18M	Perf YTD	8.81%
Book/sh	11.90	P/C	-	EPS next 5Y	-	ROE	6.08%	52W High	15.24 -1.12%	Perf Year	10.81%
Cash/sh	-	P/FCF	4.47	EPS past 3/5Y	1.68% 1.25%	ROIC	4.45%	52W Low	8.51 77.09%	Perf 3Y	102.28%
Dividend Est.	0.07 (0.47%)	EV/EBITDA	-	Sales past 3/5Y	28.12% 27.68%	Gross Margin	-	Volatility	3.01% 3.29%	Perf 5Y	-
Dividend TTM	0.05 (0.36%)	EV/Sales	-	EPS Y/Y TTM	-41.04%	Oper. Margin	13.62%	ATR (14)	0.45	Perf 10Y	-
Dividend Ex-Date	Jan 09, 2026	Quick Ratio	-	Sales Y/Y TTM	0.44%	Profit Margin	9.33%	RSI (14)	86.23	Recom	2.00
Dividend Gr. 3/5Y	-4.35% 0.00%	Current Ratio	0.13	EPS Q/Q	-20.89%	SMA20	15.59%	Beta	0.87	Target Price	14.18
Payout	11.07%	Debt/Eq	0.20	Sales Q/Q	4.01%	SMA50	22.47%	Rel Volume	0.90	Prev Close	14.84
Employees	131	LT Debt/Eq	0.20	Earnings	Dec 10 BMO	SMA200	31.56%	Avg Volume	55.10K	Price	15.07
IPO	Aug 11, 2017	Option/Short	Yes / Yes	EPS/Sales Surpr.	-6.07% 4.28%	Trades		Volume	49,505	Change	1.55%

Date	Action	Analyst	Rating Change	Price Target Change
Mar-06-25	Downgrade	ROTH MKM	Buy → Neutral	$22 → $10.40
Sep-27-24	Initiated	ROTH MKM	Buy	$18
Aug-28-24	Initiated	Keefe Bruyette	Outperform
Dec-19-22	Resumed	Raymond James	Outperform	$9
Nov-29-22	Initiated	Keefe Bruyette	Outperform

Dec-19-25 07:00AM	VERSABANK ANNOUNCES APPOINTMENT OF GLOBAL CFO AND EXECUTIVE PROMOTION IN SUPPORT OF PROPOSED CORPORATE REALIGNMENT (PR Newswire)
Dec-10-25 04:00PM	VersaBank (VBNK) Q4 2025 Earnings Call Highlights: Record Revenue and Strategic Growth Initiatives (GuruFocus.com) +10.68%
08:15AM	VersaBank (VBNK) Q4 Earnings Match Estimates (Zacks)
07:01AM	VERSABANK DECLARES DIVIDENDS (PR Newswire)
07:00AM	VERSABANK FOURTH QUARTER RESULTS DEMONSTRATE OPERATING LEVERAGE OF BUSINESS MODEL: STRONG GROWTH IN RPP ASSETS DRIVES RECORD REVENUE (PR Newswire)
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Dec-08-25 07:00AM	VERSABANK CONGRATULATES RPP PARTNER ECN CAPITAL ON PRIVATIZATION TRANSACTION (PR Newswire)
Dec-05-25 07:15AM	MoneyHero Limited (MNY) Reports Q3 Loss, Tops Revenue Estimates (Zacks)
Dec-04-25 07:05AM	Canadian Imperial Bank (CM) Beats Q4 Earnings and Revenue Estimates (Zacks)
Dec-03-25 07:30AM	Royal Bank (RY) Tops Q4 Earnings and Revenue Estimates (Zacks)
07:00AM	VersaBank to Report Fourth Quarter and Fiscal 2025 Year End Results Wednesday, December 10, 2025 at 7:00 a.m. ET (PR Newswire)
Dec-02-25 07:55AM	Bank of Nova Scotia (BNS) Beats Q4 Earnings and Revenue Estimates (Zacks)
Nov-26-25 12:55PM	VersaBank donates $50,0000 to The Salvation Army's Harvest Hope campaign, helping to combat food insecurity across Canada (PR Newswire)
Nov-20-25 07:00AM	VERSABANK LAUNCHES ENHANCED CMHC LENDING PROGRAM: EXPECTED TO GENERATE A MINIMUM OF $2 MILLION IN INCREMENTAL REVENUE IN FISCAL 2026 WITH DE MINIMIS ADDITIONAL OPERATING EXPENSES (PR Newswire)
07:00AM	VERSABANK APPLAUDS CANADIAN PRIME MINISTER MARK CARNEY AND FINANCE MINISTER FRANCOIS-PHILIPPE CHAMPAGNE ON PLANNED STABLECOIN REGULATION / BANK INITIATES COLLABORATIONS FOR STABLECOIN CUSTODY SOLUTIONS (PR Newswire)
Nov-13-25 06:20PM	Nu Holdings Ltd. (NU) Q3 Earnings and Revenues Top Estimates (Zacks)
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Nov-07-25 07:00AM	VERSABANK TO PARTICIPATE IN THE KBW FINTECH PAYMENTS CONFERENCE IN NEW YORK CITY ON NOVEMBER 11-13, 2025 (PR Newswire)
Nov-03-25 07:00AM	VERSABANK ANNOUNCES LARGEST US RPP PARTNER TO DATE; SURPASSES US RPP TARGET WITH US$310 MILLION FUNDED IN FISCAL 2025 (PR Newswire)
Oct-27-25 07:00AM	VERSABANK UNVEILS BRANDING FOR PROPREITARY DIGITAL DEPOSIT RECEIPTS: VERSABANK REAL BANK DEPOSIT TOKENS REFLECTS CRITICAL ADVANTAGE OF ISSUANCE BY A FEDERALLY LICENSED BANK (PR Newswire)
Oct-06-25 07:00AM	VERSABANK ANNOUNCES THRIVE FINANCIAL AS NEW US RECEIVABLE PURCHASE PROGRAM PARTNER (PR Newswire)
Sep-18-25 07:00AM	VERSABANK IMPLEMENTS NEW INTERNALLY DEVELOPED ARTIFICIAL INTELLIGENCE CAPABLITIES WITHIN CORE BANKING TECHNOLOGY (PR Newswire)
Sep-16-25 07:00AM	VERSABANK ANNOUNCES REFRESH OF PREVIOUS DDR TOKENIZED DEPOSIT PILOT PROGAM IN CANADA AND INTEGRATION WITH US PILOT PROGRAM (PR Newswire)
Sep-05-25 03:02AM	VersaBank (VBNK) Q3 2025 Earnings Call Highlights: Record Revenue and Strategic Expansion ... (GuruFocus.com)
Sep-04-25 08:15AM	VersaBank (VBNK) Q3 Earnings Beat Estimates (Zacks) +5.28%
07:00AM	VERSABANK THIRD QUARTER RESULTS CONTINUE TO DEMONSTRATE STRENGTH OF BUSINESS MODEL AS US RPP PORTFOLIO RAMPS UP (PR Newswire)
07:00AM	VERSABANK DECLARES DIVIDENDS (PR Newswire)
Sep-03-25 09:18AM	Earnings to Watch: VersaBank (TSX:VBNK) Reports Q3 2025 Result (GuruFocus.com)
07:40AM	VERSABANK ADDS TWO NEW RECEIVABLE PURCHASE PROGRAM PARTNERS IN CANADA, INCLUDING FIRST SECURITIZATION PARTNER (PR Newswire)
Aug-28-25 08:00AM	Canadian Imperial Bank (CM) Tops Q3 Earnings and Revenue Estimates (Zacks)
Aug-27-25 07:15AM	Royal Bank (RY) Surpasses Q3 Earnings and Revenue Estimates (Zacks)
Aug-26-25 07:25AM	Bank of Nova Scotia (BNS) Tops Q3 Earnings and Revenue Estimates (Zacks)
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07:11AM	VERSABANK ANNOUNCES VERSABANK USA LAUNCH OF TOKENIZED DEPOSIT PILOT PROGRAM IN UNITED STATES (PR Newswire)
Aug-21-25 07:00AM	VERSABANK TO HOST THIRD QUARTER FISCAL 2025 FINANCIAL RESULTS CONFERENCE CALL/WEBCAST (PR Newswire)
Aug-14-25 07:00AM	VERSABANK EXPANDS RECEIVABLE PURCHASE PROGRAM WITH LAUNCH OF SECURITIZED FINANCING SOLUTION AND APPOINTS VETERAN US EXECUTIVE TIMOTHY COMISKEY TO LEAD INITIATIVE (PR Newswire)
Aug-07-25 06:50PM	Fidus Investment (FDUS) Surpasses Q2 Earnings and Revenue Estimates (Zacks) -5.05%
Jun-11-25 07:00AM	VERSABANK TO PRESENT AT SIDOTI VIRTUAL INVESTOR CONFERENCE ON JUNE 12, 2025, AT 2:30 PM ET (PR Newswire)
Jun-10-25 07:30AM	Sidoti Events, LLC's Virtual June Small-Cap Conference (ACCESSWIRE)
Jun-09-25 07:00AM	VERSABANK PRESIDENT DAVID TAYLOR TO PRESENT ON THE BANK'S REVOLUTIONARY DIGITAL DEPOSIT RECEIPTS AT FLORIDA BANKERS ASSOCIATION ANNUAL MEETING (PR Newswire) +7.31%
Jun-05-25 03:00PM	VersaBank (VBNK) Q2 2025 Earnings Call Highlights: Record Growth Amid Structural Realignment (GuruFocus.com)
Jun-04-25 08:15AM	VersaBank (VBNK) Misses Q2 Earnings and Revenue Estimates (Zacks) -6.49%
07:00AM	VERSABANK SECOND QUARTER RESULTS CONTINUE TO DEMONSTRATE STRENGTH OF BUSINESS MODEL AS US RPP PORTFOLIO EXPERIENCES STRONG GROWTH (PR Newswire)
07:00AM	VERSABANK DECLARES DIVIDENDS (PR Newswire)
Jun-03-25 09:17AM	What To Expect From VersaBank (TSX:VBNK) Q2 2025 Earnings (GuruFocus.com)
May-29-25 07:00AM	VERSABANK ANNOUNCES INTENTION TO REALIGN CORPORATE STRUCTURE TO STANDARD US BANK FRAMEWORK (PR Newswire)
May-27-25 07:20AM	Bank of Nova Scotia (BNS) Misses Q2 Earnings and Revenue Estimates (Zacks)
May-22-25 07:00AM	VERSABANK TO HOST SECOND QUARTER FISCAL 2025 FINANCIAL RESULTS CONFERENCE CALL/WEBCAST WEDNESDAY, JUNE 4, 2025 at 9:00 A.M. ET (PR Newswire)
May-20-25 05:55PM	Ellington Credit (EARN) Lags Q1 Earnings and Revenue Estimates (Zacks)
May-08-25 06:45PM	American Healthcare REIT (AHR) Beats Q1 FFO and Revenue Estimates (Zacks)
May-07-25 08:50AM	EHealth (EHTH) Reports Q1 Loss, Tops Revenue Estimates (Zacks)
Apr-28-25 07:00AM	VERSABANK RECEIVES TSX APPROVAL FOR NORMAL COURSE ISSUER BID (PR Newswire)
Apr-25-25 07:30AM	VERSABANK ANNOUNCES THE RESULTS OF ITS 2025 MEETING OF SHAREHOLDERS (PR Newswire)
Apr-22-25 01:00PM	VERSABANK'S 2025 ANNUAL MEETING ON APRIL 24 TO BE LIVESTREAMED FROM NASDAQ MARKETSITE IN NEW YORK CITY / BANK TO RING NASDAQ CLOSING BELL APRIL 25 (PR Newswire)
Apr-17-25 07:00AM	VERSABANK ADDS SECOND US RPP PARTNER; RAPIDLY SURPASSES US$70 MILLION IN US RPP ASSETS IN JUST 75 DAYS (PR Newswire) +15.20%
Mar-13-25 07:00AM	VERSABANK TO PARTICIPATE IN 37TH ANNUAL ROTH CONFERENCE IN DANA POINT CALIFORNIA MARCH 16-18, 2025 (PR Newswire)
Mar-07-25 09:41AM	Robinhood initiated, MongoDB downgraded: Wall Streets top analyst calls (TipRanks)
Mar-06-25 02:08AM	VersaBank (VBNK) Q1 2025 Earnings Call Highlights: Record Asset Growth Amid U.S. ... (GuruFocus.com)
Mar-05-25 08:15AM	VersaBank (VBNK) Q1 Earnings and Revenues Lag Estimates (Zacks) -12.50%
07:00AM	VERSABANK FIRST QUARTER 2025 RESULTS CONTINUE TO DEMONSTRATE STRENGTH OF BUSINESS MODEL AS BANK RAMPS UP PROVEN RPP SOLUTION IN US MARKET (PR Newswire)
07:00AM	VERSABANK DECLARES DIVIDENDS (PR Newswire)
Mar-04-25 07:14AM	VersaBank (TSX:VBNK) Q1 2025 Earnings Report Preview: What To Expect (GuruFocus.com)
Feb-19-25 07:00AM	VERSABANK TO HOST FIRST QUARTER FISCAL 2025 FINANCIAL RESULTS CONFERENCE CALL/WEBCAST WEDNESDAY, MARCH 5, 2025 at 9:00 A.M. ET (PR Newswire)
Jan-31-25 07:00AM	VERSABANK ANNOUNCES WATERCRESS FINANCIAL AS ITS US RECEIVABLE PURCHASE PROGRAM PARTNER (PR Newswire)
Jan-27-25 07:00AM	VERSABANK TRANSFERS DIGITAL DEPOSIT RECEIPT ASSETS AND OTHER RESOURCES TO WHOLLY OWNED SUBSIDIARY FOCUSED EXCLUSIVELY ON DIGITAL ASSET OPPORTUNITY (PR Newswire)
Dec-24-24 12:06PM	VERSABANK ANNOUNCES EXERCISE OF OVER-ALLOTMENT OPTION IN PUBLIC OFFERING (PR Newswire)
Dec-18-24 01:59PM	VERSABANK COMPLETES SUCCESSFUL OFFERING OF COMMON SHARES (PR Newswire)
06:29AM	VersaBank Announces $75 Million Common Share Offering to Boost Capital (TipRanks)
Dec-16-24 11:05PM	VERSABANK PRICES OFFERING OF COMMON SHARES (PR Newswire) -8.23%
07:37AM	VERSABANK LAUNCHES OFFERING OF COMMON SHARES (PR Newswire)
Dec-10-24 02:01AM	VersaBank (VBNK) Q4 2024 Earnings Call Highlights: Record Asset Growth Amidst Challenging ... (GuruFocus.com)
Dec-09-24 08:20AM	VersaBank (VBNK) Q4 Earnings Surpass Estimates (Zacks) -10.88%
07:01AM	VERSABANK TRANSITIONS CORE TEAM RESPONSIBLE FOR CANADIAN RECEIVABLE PURCHASE PROGRAM SUCCESS TO LEAD US OPPORTUNITY (PR Newswire)
07:00AM	VERSABANK FOURTH QUARTER AND FISCAL 2024 RESULTS CONTINUE TO DEMONSTRATE STRENGTH OF BUSINESS MODEL AS BANK LAUNCHES PROVEN RPP SOLUTION IN US MARKET (PR Newswire)
07:00AM	VERSABANK DECLARES DIVIDENDS (PR Newswire)
Dec-06-24 07:01AM	VersaBank (TSX:VBNK) Q4 2024 Earnings Report Preview: What To Expect (GuruFocus.com)
Dec-02-24 07:30AM	VersaBank to Report Fourth Quarter and Fiscal 2024 Year End Results Monday, December 9, 2024 at 7:00 a.m. ET (PR Newswire)
Nov-25-24 12:45PM	VERSABANK SUBSIDIARY DRT CYBER STRENGTHENS CUSTOMER VALUE PROPOSITION WITH ROBUST SOC2 TYPE 1 CERTIFICATION (PR Newswire)
Nov-14-24 07:00AM	VERSABANK TO PARTICIPATE IN 13TH ANNUAL ROTH TECHNOLOGY CONFERENCE IN NEW YORK CITY NOVEMBER 19-20, 2024 (PR Newswire)
Nov-12-24 09:00AM	ROTH to Host 13th Annual Technology Conference at the Hard Rock Hotel in New York City (GlobeNewswire)
Nov-07-24 11:13AM	VERSABANK TO PARTICIPATE IN 2024 KBW FINTECH CONFERENCE IN NEW YORK CITY NOVEMBER 13-14, 2024 (PR Newswire)
Oct-24-24 07:00AM	VERSABANK TO PRESENT AT 2024 THINKEQUITY CONFERENCE ON OCTOBER 30, 2024, IN NEW YORK CITY (PR Newswire)
Oct-09-24 06:44PM	VersaBank (VBNK) Q3 2024 Earnings Call Highlights: Record Asset Growth Amidst Margin Pressures (GuruFocus.com) +5.32%
Oct-02-24 11:12AM	VersaBank (VBNK): A Bull Case Theory (Insider Monkey)
Sep-26-24 07:00AM	VERSABANK RECOGNIZED FOR CONTINUING LEADERSHIP IN BANKING TECHNOLOGY (PR Newswire)
Sep-25-24 07:00AM	VERSABANK ANNOUNCES REDEMPTION OF NON-CUMULATIVE SERIES 1 PREFERRED SHARES (NVCC) (PR Newswire)
Sep-11-24 01:00PM	Investor Summit August 2024 Presentations Now Accessible for On-Demand Viewing (ACCESSWIRE)
Sep-05-24 07:00AM	VERSABANK REPORTS THIRD QUARTER FISCAL 2024 RESULTS: RESULTS CONTINUE TO DEMONSTRATE STRENGTH OF BUSINESS MODEL AS BANK ENTERS US MARKET (PR Newswire)
07:00AM	VERSABANK DECLARES DIVIDENDS (PR Newswire)
Sep-04-24 07:55AM	VersaBank completes purchase of tiny Minnesota bank (Banking Dive)
Sep-03-24 07:00AM	VERSABANK CLOSES U.S. BANK ACQUISITION: FORMALLY LAUNCHES INNOVATIVE DIGITAL FUNDING SOLUTION TO UNDERSERVED, MULTI-TRILLION-DOLLAR U.S. MARKET (PR Newswire)
Aug-21-24 07:00AM	VERSABANK TO HOST THIRD QUARTER FISCAL 2024 FINANCIAL RESULTS CONFERENCE CALL/WEBCAST THURSDAY, SEPTEMBER 5, 2024 at 9:00 A.M. ET (PR Newswire)
Aug-16-24 07:00AM	VERSABANK TO PRESENT AT TWO VIRTUAL INVESTOR CONFERENCES ON AUGUST 20, 2024 (PR Newswire)
Jul-25-24 10:30AM	VERSABANK TO PARTICIPATE IN 25th ANNUAL KBW COMMUNITY BANK INVESTOR CONFERENCE JULY 30-31, 2024 IN NEW YORK CITY (PR Newswire)
Jul-15-24 07:30AM	VERSABANK APPOINTS SENIOR EXECUTIVES TO U.S. SUBSIDIARY AHEAD OF U.S. BANK ACQUISITION (PR Newswire)
Jun-28-24 08:29AM	VersaBanks cross-border acquisition of Minnesota lender gets final nod (Banking Dive)
Jun-25-24 07:00AM	VERSABANK RECEIVES CANADIAN REGULATORY APPROVAL FOR U.S. BANK ACQUISITON: TRANSACTION TARGETED TO CLOSE AUGUST 30, 2024 (PR Newswire)
Jun-17-24 07:00AM	VERSABANK ANNOUNCES APPOINTMENT OF LONG STANDING CANADIAN FEDERAL OFFICIAL GLENN CAMPBELL AS ADVISOR TO BOARD (PR Newswire)
Jun-14-24 07:00AM	VERSABANK RECEIVES FINAL U.S. APPROVAL FOR U.S. BANK ACQUISITON (PR Newswire)
Jun-10-24 12:41PM	VersaBank (VBNK) Gets Fed Nod for Stearns Bank Holdingford Deal (Zacks)
Jun-07-24 08:05AM	Canadian banks Minnesota deal gets Fed approval (Banking Dive) +11.77%
07:00AM	VERSABANK RECEIVES FIRST OF TWO U.S. APPROVALS FOR U.S. BANK ACQUISITION (PR Newswire)
Jun-06-24 08:02AM	VersaBank (NASDAQ:VBNK) Q2 2024 Earnings Call Transcript (Insider Monkey)

VersaBank engages in the provision of financial services. It operates through Digital Banking and DRTC. The Digital Banking segment offers business to business model using its financial technoolgy to address issues in the U.S. banking market. The DRTC segment refers to developed IT security software and capabilities. The company was founded by David Roy Taylor on January 18, 1993 and is headquartered in London, Canada.

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VBNK

VersaBank

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