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VBNK

VersaBank

21.76

Jul 10 • 04:00PM ET -0.23 (-1.05%)

Financial Banks - Regional Canada Small NASD

Jul 09, 7:05 AMVersaBank's U.S. unit signs ECN Capital deal to use Structured Receivable Program, adding at least US$300M in annual U.S. SRP fundings

Peers: BOKF BPOP CBSH CFR FNB ONB SSB UMBF WBS ZION

| Held by: QABA DFIS DFIC DFAX

Scroll to Statements

Index	-
Market Cap	700.67M
Enterprise Value	-
Income	22.01M
Sales	235.70M
Book/sh	12.60
Cash/sh	-
Dividend Est.	0.07 (0.33%)
Dividend TTM	0.07 (0.33%)
Dividend Ex-Date	Jul 10, 2026
Dividend Gr. 3/5Y	-4.35% 0.00%
Payout	11.07%
Employees	131
IPO	Aug 11, 2017

P/E	31.72
Forward P/E	11.65
PEG	-
P/S	2.97
P/B	1.73
P/C	-
P/FCF	12.66
EV/EBITDA	-
EV/Sales	-
Quick Ratio	-
Current Ratio	68.29
Debt/Eq	0.19
LT Debt/Eq	0.19
Option/Short	Yes / Yes

EPS (ttm)	0.69
EPS next Y	1.87
EPS next Q	0.33
EPS this Y	49.50%
EPS next Y	47.98%
EPS next 5Y	-
EPS past 3/5Y	1.68% 1.24%
Sales past 3/5Y	28.12% 27.67%
EPS Y/Y TTM	-13.83%
Sales Y/Y TTM	10.33%
EPS Q/Q	-7.26%
Sales Q/Q	21.60%
Earnings	Jun 03 BMO
EPS/Sales Surpr.	10.89% 4.09%

Insider Own	37.96%
Insider Trans	0.00%
Inst Own	37.86%
Inst Trans	2.05%
ROA	0.52%
ROE	5.58%
ROIC	4.56%
Gross Margin	-
Oper. Margin	13.61%
Profit Margin	9.34%
SMA20	5.62%
SMA50	13.43%
SMA200	40.73%
Trades

Shs Outstand	32.20M
Shs Float	19.97M
Short Float	0.97%
Short Ratio	1.89
Short Interest	0.19M
52W High	24.42 -10.89%
52W Low	10.10 115.45%
Volatility	4.40% 4.72%
ATR (14)	1.00
RSI (14)	58.95
Beta	1.00
Rel Volume	0.69
Avg Volume	102.84K
Volume	70,959

Perf Week	-0.64%
Perf Month	10.60%
Perf Quarter	30.30%
Perf Half Y	47.53%
Perf YTD	45.26%
Perf Year	85.03%
Perf 3Y	188.21%
Perf 5Y	106.77%
Perf 10Y	-
Recom	1.33
Target Price	22.96
Prev Close	21.99
Price	21.76
Change	-1.05%

Date	Action	Analyst	Rating Change	Price Target Change
Jun-30-26	Upgrade	Roth Capital	Neutral → Buy	$25
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

Jul-09-26 07:00AM	VERSABANK ADDS NEW ECN CAPITAL SUBSIDIARY TO US STRUCTURED RECEIVABLE PROGRAM (PR Newswire)
Jun-29-26 01:00PM	VERSABANK DONATES $60,000 TO THE SALVATION ARMY'S HARVEST HOPE CAMPAIGN (PR Newswire) +6.12%
07:00AM	VERSABANK LAUNCHES BREAKTHROUGH REAL-TIME STRUCTURED RECEIVABLE PROGRAM TO POINT-OF-SALE INDUSTRY IN CANADA AND UNITED STATES (PR Newswire)
Jun-10-26 02:30PM	VERSABANK FOUNDER AND PRESIDENT, DAVID TAYLOR, HONOURED AND GUEST SPEAKER IN THE GROUNDS OF WESTMINSTER ABBEY, LONDON, UK (PR Newswire)
Jun-03-26 05:00PM	VersaBank (VBNK) Q2 2026 Earnings Call Highlights: Record Revenue and Strategic Expansion (GuruFocus.com) +10.70% -5.38%
07:02AM	Loading…
07:02AM	VERSABANK DECLARES DIVIDENDS (PR Newswire)
07:01AM	VERSABANK REPORTS STRONG SECOND QUARTER RESULTS: STRONG US SRP GROWTH DRIVES 27% YEAR-OVER-YEAR INCREASE IN REVENUE AND NET INTEREST INCOME, 45% YEAR-OVER-YEAR GROWTH IN ADJUSTED (CORE) NET INCOME (PR Newswire)
07:00AM	VERSABANK ANNOUNCES PUBLIC FILING OF FORM S-4 REGISTRATION STATEMENT WITH THE SEC (PR Newswire)
May-29-26 07:00AM	VERSABANK ANNOUNCES FOUNDER AND PRESIDENT, DAVID TAYLOR, NAMED EXECUTIVE OF THE YEAR BY THE CANADIAN LENDERS ASSOCIATION (PR Newswire)
May-26-26 07:00AM	VERSABANK TO HOST SECOND QUARTER FISCAL 2026 FINANCIAL RESULTS CONFERENCE CALL/WEBCAST WEDNESDAY, JUNE 3 2026 at 9:00 A.M. ET (PR Newswire)
Apr-29-26 07:00AM	VERSABANK ANNOUNCES INDUSTRY BREAKTHROUGH INNOVATION IN POINT-OF-SALE FINANCING WITH START OF PILOT PROGRAM FOR AI-ENABLED REAL-TIME STRUCTURED RECEIVABLE PROGRAM (PR Newswire)
Apr-28-26 07:00AM	VERSABANK RECEIVES TSX APPROVAL FOR RENEWAL OF NORMAL COURSE ISSUER BID (PR Newswire)
Apr-20-26 05:59PM	VersaBank Starts Receiving QCAD Deposits as Stablecorps CAD Stablecoin Lands on Kraken (CryptoProwl) +9.89%
03:50PM	VERSABANK HAS BEGUN RECEIVING QCAD DEPOSITS UNDER STABLECOIN CUSTODY SERVICES AGREEMENT AND CONGRATULATES STABLECORP ON LISTING OF QCAD ON KRAKEN (PR Newswire)
Apr-09-26 07:55AM	VERSABANK ANNOUNCES THE RESULTS OF ITS 2026 MEETING OF SHAREHOLDERS (PR Newswire) +9.94%
07:00AM	Loading…
Mar-25-26 07:00AM	VERSABANK'S 2026 ANNUAL MEETING TO BE HELD APRIL 8, 2026 IN LONDON, ONTARIO - MEETING WILL ALSO BE LIVE-STREAMED (PR Newswire)
Mar-24-26 07:00AM	VERSABANK TO SELL ITS ONLY BANK BRANCH IN HOLDINGFORD, MINNESOTA, TO STEARNS BANK (PR Newswire)
Mar-17-26 07:00AM	VERSABANK COMMENCES FOREIGN EXCHANGE FUNCTIONALITY AND OTHER ENHANCEMENTS TO SUPPORT COMMERCIALIZATION OF REAL BANK TOKENIZED DEPOSITS (PR Newswire)
Mar-04-26 04:00PM	VersaBank (VBNK) Q1 2026 Earnings Call Highlights: Record Growth in Credit Assets and Revenue (GuruFocus.com) -7.64% -7.22%
10:36AM	VersaBank Q1 Earnings Call Highlights (MarketBeat)
07:00AM	VERSABANK DECLARES DIVIDENDS (PR Newswire)
Mar-03-26 10:00PM	VersaBank (VBNK) Q1 Earnings Match Estimates (Zacks)
08:22PM	VERSABANK REPORTS STRONG FIRST QUARTER RESULTS: ACCELERATED U.S. GROWTH DRIVES 31% YEAR-OVER-YEAR INCREASE IN REVENUE, 36% YEAR-OVER-YEAR GROWTH IN NET INCOME, 49% YEAR-OVER-YEAR GROWTH IN ADJUSTED NET INCOME (PR Newswire)
Feb-26-26 08:15AM	Royal Bank (RY) Beats Q1 Earnings and Revenue Estimates (Zacks)
Feb-24-26 07:00AM	VERSABANK TO HOST FIRST QUARTER FISCAL 2026 FINANCIAL RESULTS CONFERENCE CALL/WEBCAST WEDNESDAY, MARCH 4, 2026 at 9:00 A.M. ET (PR Newswire)
Feb-09-26 12:00AM	Upcoming Meeting Dates - February 9, 2026 (Newsfile)
Feb-03-26 07:00AM	VERSABANK ANNOUNCES STABLECORP'S QCAD AS FIRST STABLECOIN CUSTOMER (PR Newswire)
Jan-31-26 07:03AM	VersaBank Conference: VBNK Details Deposit Tokens, Stablecoin Custody and U.S. Receivables Growth (MarketBeat)
Jan-23-26 07:00AM	VERSABANK TO PRESENT AT THE DIGITAL ASSET VIRTUAL INVESTOR CONFERENCE ON JANUARY 27, 2026, AT 10:30 AM ET (PR Newswire)
Dec-19-25 07:00AM	VERSABANK ANNOUNCES APPOINTMENT OF GLOBAL CFO AND EXECUTIVE PROMOTION IN SUPPORT OF PROPOSED CORPORATE REALIGNMENT (PR Newswire)
04:00PM	Loading…
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)
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)
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)
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)

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.

Interim CEO & Vice ChairMs. Susan Teresa McGovern B.Sc.

BSc (Hons)Mr. David Roy Taylor B.Sc.

M.B.A.Mr. John W. Asma B.A. (Hons.)

M.Eng.Mr. R. Shawn Clarke M.B.A.

B.Comm.Mr. Michael Richard Dixon B.Com.

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VBNK

VersaBank

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