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VersaBank (VBNK.TO)
CAD29.90
+0.00 (+0.00%)
GB TSX Financial Services Banks - Regional
Address
140 Fullarton Street N6A 5P2
London, ON, GB
London, ON, GB
CEO
Susan Teresa McGovern
Website
versabank.com
IPO
2013-08-28
ISIN CA92512J1066
Also trades on
NASDAQ Global Select · VBNK (USD)
Toronto Stock Exchange · VB.TO (CAD)
Toronto Stock Exchange · VBNK.TO (CAD)
Description
VersaBank operates as a Schedule I chartered bank in Canada, offering a comprehensive suite of financial products and services. Its diverse deposit solutions include guaranteed investment certificates (GICs), registered retirement savings plans (RRSPs), daily interest savings accounts, and tax-free savings accounts (TFSAs), along with deposit insurance. The bank also provides extensive lending services, notably specializing in point-of-sale financing through the acquisition of loan and lease receivables from various finance companies. Furthermore, its commercial banking division finances projects such as commercial real estate, public sector infrastructure, condominium developments, and residential mortgages. Founded in 1979 and based in London, Canada, the institution previously operated under the name Pacific & Western Bank of Canada, rebranding to VersaBank in May 2016.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
CAD29.90
+0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
31.9K
Beta
1.14
Float Shares
19.91M
Free Float %
62.1%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -4.43% | +4.44% | +7.82% | +24.65% | +51.87% | +28.54% | +78.28% | +170.53% | +84.91% | +379.09% | +274.82% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Analyst Consensus (2 ratings, all time)
Buy
Price Targets & DCF
Current price
29.90
DCF (Unlevered)
45.18
+51.1%
DCF (Levered)
30.21
+1.0%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
67% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 2 | 0 |
| Buy | 0 | 0 |
| Hold | 1 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.32
Distress
Piotroski F-Score
8 / 9
Strong
Composite Rating
B-
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
2 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
2 / 5
Medium
Operational MOAT
-
Revenue growth+3.3% Q2'26: +17.2% (vs Q2'25)
-
EPS growth-39.6% Q2'26: -11.5% (vs Q2'25)
-
FCF margin— Q2'26: +26.2% (vs Q2'25)
-
EBIT margin— Q2'26: +12.1% (vs Q2'25)
-
ROIC— Q2'26: +34.0% (vs Q2'25)
-
Share dilution+21.3% Q2'26: -1.3% (vs Q2'25)
-
Debt / EBITDA— Q2'26: 2.51× (vs Q2'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Oct 2015 actual |
Oct 2016 actual |
Oct 2017 actual |
Oct 2018 actual |
Oct 2019 actual |
Oct 2020 actual |
Oct 2021 actual |
Oct 2022 actual |
Oct 2023 actual |
Oct 2024 actual |
Oct 2025 actual |
Oct 2026 1 Rev. Ana. 1 EPS Ana. |
Oct 2027 2 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
65.85M
est: 34.20M (+92.5%)
|
70.94M
est: 38.90M (+82.4%)
|
71.62M
est: 43.10M (+66.2%)
|
81.10M
est: 50.50M (+60.6%)
|
88.33M
est: 54.20M (+63.0%)
|
86.15M
est: 57.80M (+49.1%)
|
94.69M
est: 63.55M (+49.0%)
|
132.54M
est: 80.85M (+63.9%)
|
237.92M
est: 113.51M (+109.6%)
|
294.40M
est: 113.50M (+159.4%)
|
304.15M
est: 123.16M (+147.0%)
|
156.25M
152.33M – 160.16M
+26.9% YoY
|
201.84M
192.79M – 210.90M
+29.2% YoY
|
| EBITDA |
9.43M
est: 9.39M (+0.5%)
|
12.53M
est: 10.68M (+17.4%)
|
15.29M
est: 11.83M (+29.2%)
|
25.64M
est: 13.86M (+85.0%)
|
28.54M
est: 14.88M (+91.9%)
|
27.90M
est: 15.86M (+75.9%)
|
32.52M
est: 17.44M (+86.4%)
|
34.49M
est: 22.19M (+55.4%)
|
59.43M
est: 27.13M (+119.0%)
|
57.43M
est: 27.13M (+111.7%)
|
44.59M
est: 29.44M (+51.5%)
|
37.35M
36.41M – 38.28M
+26.9% YoY
|
48.24M
46.08M – 50.41M
+29.2% YoY
|
| EBIT |
9.04M
est: 8.96M (+0.9%)
|
11.76M
est: 10.19M (+15.4%)
|
14.73M
est: 11.29M (+30.5%)
|
25.01M
est: 13.23M (+89.1%)
|
27.82M
est: 14.20M (+96.0%)
|
26.75M
est: 15.14M (+76.7%)
|
30.79M
est: 16.65M (+85.0%)
|
32.55M
est: 21.18M (+53.7%)
|
57.65M
est: 25.78M (+123.6%)
|
54.79M
est: 25.78M (+112.6%)
|
41.49M
est: 27.97M (+48.3%)
|
35.49M
34.60M – 36.37M
+26.9% YoY
|
45.84M
43.79M – 47.90M
+29.2% YoY
|
| Net Income |
8.22M
est: 8.83M (-6.9%)
|
8.47M
est: 9.87M (-14.2%)
|
19.47M
est: 12.33M (+57.9%)
|
18.07M
est: 18.44M (-2.0%)
|
20.20M
est: 22.59M (-10.6%)
|
19.41M
est: 25.71M (-24.5%)
|
22.38M
est: 25.06M (-10.7%)
|
22.66M
est: 20.77M (+9.1%)
|
42.16M
est: 55.76M (-24.4%)
|
39.75M
est: 53.52M (-25.7%)
|
28.46M
est: 38.23M (-25.6%)
|
50.37M
48.27M – 52.46M
+31.7% YoY
|
82.07M
79.40M – 84.75M
+63.0% YoY
|
| SGA |
22.69M
est: 9.17M (+147.5%)
|
23.57M
est: 10.43M (+126.0%)
|
25.06M
est: 11.55M (+116.9%)
|
24.03M
est: 13.54M (+77.5%)
|
23.97M
est: 14.53M (+64.9%)
|
25.32M
est: 15.49M (+63.4%)
|
31.35M
est: 17.04M (+84.0%)
|
45.53M
est: 21.67M (+110.1%)
|
46.48M
est: 29.11M (+59.7%)
|
51.95M
est: 29.11M (+78.5%)
|
71.71M
est: 31.58M (+127.1%)
|
40.07M
39.06M – 41.07M
+26.9% YoY
|
51.76M
49.44M – 54.08M
+29.2% YoY
|
| EPS |
0.33
est: 0.34 (-2.9%)
|
0.32
est: 0.38 (-15.8%)
|
0.83
est: 0.48 (+74.7%)
|
0.75
est: 0.71 (+5.6%)
|
0.85
est: 0.87 (-2.3%)
|
0.82
est: 0.99 (-17.2%)
|
0.96
est: 0.97 (-0.5%)
|
0.79
est: 0.80 (-1.3%)
|
1.57
est: 1.77 (-11.5%)
|
1.49
est: 1.70 (-12.3%)
|
0.90
est: 1.21 (-25.8%)
|
1.60
1.53 – 1.67
+31.7% YoY
|
2.60
2.52 – 2.69
+63.0% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-28 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 1/5 | 2/5 |
| 2026-05-27 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 1/5 | 2/5 |
| 2026-05-26 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 1/5 | 2/5 |
| 2026-05-25 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 1/5 | 2/5 |
| 2026-05-22 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 1/5 | 2/5 |
| 2026-05-21 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 1/5 | 2/5 |
| 2026-05-20 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 1/5 | 2/5 |
| 2026-05-19 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 1/5 | 2/5 |
| 2026-05-15 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 1/5 | 2/5 |
| 2026-05-14 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 1/5 | 2/5 |
| 2026-05-13 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 1/5 | 2/5 |
| 2026-05-12 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 1/5 | 2/5 |
| 2026-05-11 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 1/5 | 2/5 |
| 2026-05-08 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 1/5 | 2/5 |
| 2026-05-07 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 1/5 | 2/5 |
| 2026-05-06 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 1/5 | 2/5 |
| 2026-05-05 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 1/5 | 2/5 |
| 2026-05-04 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 1/5 | 2/5 |
| 2026-05-01 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 1/5 | 2/5 |
| 2026-04-30 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 1/5 | 2/5 |
| 2026-04-29 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-28 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-27 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-24 | B- | 3/5 | 4/5 | 2/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-23 | B | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-22 | B | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-21 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-04-20 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-04-17 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-04-16 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
135.46M
OE per share TTM
4.21
Owner's Yield
16.76%
Maintenance CapEx ratio
4.93%
Maint CapEx / Avg PPE
8.4%
Ownership Overview
Ownership breakdown
At a glance
Institutional holders
1
Total invested
284.5K
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
From
To
13F snapshot — 2025 Q4
Investors holding
1
-1 vs prev Q
New positions
1
Closed positions
2
Increased
1
Reduced
0
Put/Call ratio
0.00
Calls held
—
Puts held
—
Top institutional holders
| # | Investor | Shares / Δ | Mkt value / Δ | Own% / Δ | Weight% / Δ | Avg px / Perf. | Hold / Status |
|---|---|---|---|---|---|---|---|
| 1 | GOLDMAN SACHS GROUP INC | 19.0K -3.4K (-15.1%) | 284.5K +11.4K (+4.2%) | 0.06% -0.009 pp | 0.00% +0.000 pp | CAD12.21 +67.9% | 5 qtrs — |
Ownership breakdown by holder
ETF Ownership
Top ETFs holding this stock
Held by 5 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares S&P/TSX SmallCap Index ETF XCS.TO | 0.29% | 498.6K | 0.60% |
| 2 | Dimensional World ex U.S. Core Equity 2 ETF DFAX | 0.00% | 88.3K | 0.28% |
| 3 | Dimensional - International Small Cap ETF DFIS | 0.00% | 22.0K | 0.39% |
| 4 | Dimensional - International Small Cap Value ETF DISV | 0.00% | 2.0K | 0.42% |
| 5 | Dimensional - International Core Equity Market ETF DFAI | 0.00% | — | 0.18% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
342.9K
Shares Outstanding
32.07M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| David Roy Taylor FICB | Group President & Director | 3M | male |
| Telemaco G. Matrundola | President of VersaBank USA & CEO of VersaBank USA | 944.5K | male |
| John W. Asma | Executive Vice President | 894.2K | male |
| R. Shawn Clarke | Chief Operating Officer of VersaBank USA | 876.3K | male |
| Michael Richard Dixon | Senior Vice President | 874.4K | male |
| Susan Teresa McGovern | Interim Chief Executive Officer & Vice Chair | 180.1K | female |
| Brent Tyler Hodge CIPP | Senior Vice President, General Counsel & Corporate Secretary | — | male |
| Wooi Koay | Chief Information Officer | — | male |
| Elizabeth Kuranoff | Chief Compliance Officer | — | — |
| Haroon Ikram | Chief Anti-Money Laundering Officer | — | — |
| Nicolas Ospina | Global Chief Financial Officer | — | male |
| Stacey Stokley | Corporate Secretary | — | — |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for VBNK.TO
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
