Company Overview
VersaBank provides various banking products and services in Canada and the United States. The company operates through four segments: Digital Banking Canada, Digital Banking USA, DRTC (Cybersecurity), and Digital Meteor. It offers deposit products, such as guaranteed investment certificates, registered retirement savings plans, and tax-free savings accounts, as well as deposit insurance products. The company also provides lending services, including point of sale financing that covers purchasing loan and lease receivables from finance companies operating in various industries; commercial real estate mortgages and loans, public sector, leases, and other financing. In addition, it provides cybersecurity services. The company was formerly known as Pacific & Western Bank of Canada and changed its name to VersaBank in May 2016. VersaBank was incorporated in 1979 and is headquartered in London, Canada.
Why Investors Should Care
Revenue has grown at a 14.8% CAGR over the past five years.
Maintains a net profit margin of 23.1%.
Carries low leverage with a debt-to-equity ratio of 0.20.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Oct 2025 Revenue of $124.64M (+11.7% YoY); net profit $28.46M.
- Trailing 12 Months Year-on-year growth — revenue +28.4%, earnings +55.0%.
- 5-Year Trend Long-term compounding — revenue CAGR 14.8%, profit CAGR 7.9%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 14.80% |
| 1 Year: | 28.40% |
Compounded Profit Growth
| 5 Years: | 7.89% |
| 1 Year: | 55.00% |
Stock Price Performance
| 1 Year: | +107.84% |
| 6 Months: | +54.34% |
| 3 Months: | +12.36% |
| 1 Month: | +15.56% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)65.06 · Neutral
P/E of 29.41 is above the sector median of 12.89 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 23.1%.
- Compounding revenue at 14.8% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | VBNK VersaBank FINANCIAL | 22.06 | 29.41 | $715.16M | 0.31% | - | 6.19% | 14.80% | 7.89% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Jan 2025 | Apr 2025 | Jul 2025 | Oct 2025 | Jan 2026 | Apr 2026 |
|---|---|---|---|---|---|---|
| Revenue | - | 30.14M | 31.58M | 35.09M | 36.51M | 38.29M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - |
| Interest Expense | - | 42.94M | 44.21M | 44.84M | 47.34M | 47.38M |
| Pretax Income | - | 11.73M | 8.75M | 9.90M | 15.27M | 10.38M |
| Tax Provision | - | 3.21M | 2.17M | 4.70M | 4.20M | 2.85M |
| Net Income | - | 8.53M | 6.58M | 5.20M | 11.07M | 7.53M |
| Diluted EPS | 0.28 | 0.26 | 0.20 | - | 0.35 | 0.23 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Oct 2021 | Oct 2022 | Oct 2023 | Oct 2024 | Oct 2025 |
|---|---|---|---|---|---|
| Revenue | - | 82.39M | 108.64M | 111.63M | 124.64M |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 50.15M | 129.28M | 182.76M | 179.51M |
| Pretax Income | - | 32.55M | 57.65M | 54.79M | 41.49M |
| Tax Provision | - | 9.89M | 15.48M | 15.04M | 13.04M |
| Net Income | - | 22.66M | 42.16M | 39.75M | 28.46M |
| Diluted EPS | - | 0.79 | 1.57 | 1.49 | 0.90 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Oct 2021 | Oct 2022 | Oct 2023 | Oct 2024 | Oct 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 3.27B | 4.20B | 4.84B | 5.81B |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 88.58M | 132.24M | 225.25M | 581.71M |
| Inventory | - | - | - | - | - |
| Receivables | - | 18.48M | 24.54M | 32.49M | 30.79M |
| Total Liabilities | - | 2.92B | 3.82B | 4.44B | 5.28B |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | 104.95M | 106.85M | 102.50M | 103.52M |
| Total Debt | - | 109.42M | 110.62M | 108.58M | 108.51M |
| Total Equity | - | 350.68M | 377.16M | 399.20M | 532.67M |
| Shares Outstanding | - | 27.25M | 25.96M | 26.00M | 31.95M |
Cash Flows (Annual)
Figures in USD.
| Metric | Oct 2021 | Oct 2022 | Oct 2023 | Oct 2024 | Oct 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | -32.65M | 94.72M | 272.70M | 44.45M |
| Investing Cash Flow | - | -141.61M | -28.14M | -157.58M | 212.26M |
| Financing Cash Flow | - | -6.30M | -17.31M | -23.33M | 102.04M |
| Capital Expenditure | - | -581.00K | -362.00K | -18.58M | -954.00K |
| Free Cash Flow | - | -33.23M | 94.36M | 254.13M | 43.50M |
| Net Change in Cash | - | -180.57M | 49.27M | 91.79M | 358.75M |
Ratios (Annual)
Figures in %.
| Metric | Oct 2021 | Oct 2022 | Oct 2023 | Oct 2024 | Oct 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 27.5% | 38.8% | 35.6% | 22.8% |
| ROE % | - | 6.5% | 11.2% | 10.0% | 5.3% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Alliancebernstein L.P. | 9.06% | 2.93M | $66.76M |
| 2 | Pembroke Management, LTD | 4.70% | 1.52M | $34.63M |
| 3 | CIBC World Market, Inc. | 3.56% | 1.15M | $26.25M |
| 4 | Mendon Capital Advisors Corp | 2.42% | 780.98K | $17.80M |
| 5 | TCW Group, Inc. | 2.23% | 721.08K | $16.43M |
| 6 | Connor Clark & Lunn Investment Management Ltd | 2.18% | 703.97K | $16.04M |
| 7 | Curi Capital LLC | 2.10% | 680.00K | $15.50M |
| 8 | Pacific Ridge Capital Partners, LLC | 1.81% | 585.52K | $13.34M |
| 9 | TD Asset Management, Inc | 1.53% | 493.40K | $11.24M |
| 10 | CSM Advisors, LLC | 1.12% | 360.74K | $8.22M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for VBNK
VersaBank (VBNK) Misses Q3 Earnings and Revenue Estimates - finance.yahoo.com
<a href="https://news.google.com/rss/articles/CBMinwFBVV95cUxPb0F1ZjVhQlhwMVNMbmlXV2N0NWtnZ3I2bmxWRVNySlVzZDM5Um1kdUU3ZlljOURwSml0My1QUEE3c0F3YS0zUVUwd1pxR3A0VHZKSHpWVlZjY0dFV3FudUx0ZGxQb3lXZU5oOWJTS3hPdWVkbmNQWWdUVVNCRk01YkMzYnhaX0pGenotcm…
Investor meetings with VersaBank (NASDAQ: VBNK) set at Raymond James bank and tech event - Stock Titan
<a href="https://news.google.com/rss/articles/CBMiqgFBVV95cUxOcXNrTENITnR3WGxVR2FyNUVRYVB6aElEWG9ZU2hLVHR6Y09XNEpXQzBWOVVpVUdMemhUOC1QY05idG9aUkstZzBuVjJiTWpNMlljOFBkQTRCMHMyR1Rkbi05YTdRUlk3cXZzUGpra1duTFA1U1JSeE5yOXpDOVB0YUd3ZWh4d3V6V2s0al…
VersaBank 2026 Q3 - Results - Earnings Call Presentation (TSX:VBNK:CA) 2026-09-07 - Seeking Alpha
<a href="https://news.google.com/rss/articles/CBMiugFBVV95cUxQcVFnYmxCZnRsRzBkYTBfRVhDbExuUHF1OGludG1KQ25nb1ltb2txN1RBNmdGSTl3NUVqVVRoU2JZNzFoQW1FNE9Od1V2eVBIRzFFMXY3enhrWTExQS15MENVU2JRUDNsbWNwRTJOMFlGYlB4YjJiQWF6TjJDUVh3Wm9aeEFKZDAzaDg2aE…
Why Did VersaBank (TSX:VBNK) Stock Surge 8.975% on 4 September 2026? - kalkine.ca
<a href="https://news.google.com/rss/articles/CBMinAFBVV95cUxQeXZMRjZKNlVFY3U3ejc0RlJVZ2pGZDFHVUtDUWwzWFZxM1lvR0FmVkRRelU0eU5DMzlqVE9XR3JEakp5djM3cEdJVmZEOUhDMkZZOHNaM291ZExwM1NBMHM2VGlLZXlHclEzYlRQVnhLS0dyU2hpdzJDd3lhbV83Qi1oSzRXbng3LVF1aT…
Toronto Stock Exchange:VBNK Stock Quote - The Chronicle-Journal
<a href="https://news.google.com/rss/articles/CBMiiAFBVV95cUxNZXFVeXB1LXJicTFrZVZoX0FSQkZ3SFdpWndpeGdfdlAzeEdmUFNLQjFQeXQ1SXI0WWFVM2FxV0NrMV9qbFlDd0lDcGd6SHk0ejhndGJTdUdDWWFWdVN6cE12bzc1QXFwQk4wX054T0hvOWdyXzNmeURXc3VOUHdhaTJISTNMRU85?oc=5"…
Behavioral Patterns of VBNK and Institutional Flows - Stock Traders Daily
<a href="https://news.google.com/rss/articles/CBMizAFBVV95cUxOVTU4NGtRREdyUTNSWkMtd0xQaE1YUGRZbkF6cTh5TnVQWXREVjJTS3hDblJPTTkxaFNMcDlmbVlHZHJ1TVNHVDlWSGg2Z2JlaExYTXdGVHkzLXJJRHRqdndHSDJDUWpub0NHYThYTThDQS1iSW5JZVJjMFAzS2w3TmJMcExxLVlGN2dYX2…
VBNK — Frequently Asked Questions
What is the current share price of VersaBank (VBNK)?
As of 2026-09-19 21:16 PDT, VersaBank (VBNK) trades at $22.06 on NasdaqGS. Its 52-week range is $10.50 to $23.70.
What is the market capitalisation of VBNK?
VersaBank (VBNK) has a market capitalisation of $715.16M on NasdaqGS.
What is the P/E ratio of VBNK?
VBNK trades at a trailing price-to-earnings (P/E) ratio of 29.41. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 1.82.
Does VBNK pay a dividend?
VersaBank (VBNK) currently offers a dividend yield of 0.31%.
What is the return on equity (ROE) of VBNK?
VBNK has a return on equity (ROE) of 6.19%.
Is VBNK a good stock to buy?
This page provides a data-driven analysis of VersaBank (VBNK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.