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VersaBank

TOR:VBNK · CA92512J1066
BanksSmall

360

16
Profit price5
Cash yield35
Price/Sales14
EV / Gross Profit63
Price/Book18
Returns on capital22
Profit margins—
Cash Conversion1
Accruals1
Owner Earnings Margin16
Sales growth90
Profit Growth42
Owner Earnings Growth6
Reinvestment98
Price momentum100
Debt load82
Debt serviceability1
Liquidity40
Analyst ratings52
Opinion Changes50
Price Target Upside62
Market mood76
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

VersaBank clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryCanada
IndustryBanks
SizeSmall
TypePublic Company
ExchangeTSX
Founded1979
Employees152
Websiteca.versabank.com
ISINCA92512J1066
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)
Themes
Electronic Money Institutions (EMIs)Banking

Description

VersaBank operates as a Canadian Schedule I chartered bank. The company’s wholly owned subsidiary, VersaBank USA, is a federally chartered bank in the U.S., regulated by the Office of the Comptroller of the Currency (the ‘OCC’). The company has a br…

Analysis

Story stock

VersaBank trades at an expensive price on a weak set of business metrics, a combination we flag as a story stock.

On valuation, the picture is expensive. The owner-earnings multiple stands at 32.0×; owner earnings: the cash an owner could take out each year.

Growth is solid; the safety picture is adequate. The company scores 13/20 on our value-creation score: creating some value.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
50
2023202420252026

All-time high

100

Jan 2023

All-time low

50

Jun 2026

Average rank

82

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
14
39
56
32
Price/Earnings
31
95
97
56
Price/Book
18
44
65
75
Dividend Yield
35
14
15
19
Value (overall)
14
54
71
49

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →