VersaBank logo

VersaBank(TSX) VBNK

Market CapCA$1.01BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2017)+500%
5 Year+119%
1 Year+79%
1 Month+1%
CA$31.24
-1.54%
-0.49Today
VersaBank last closing stock price
MetricPriceDate
Last closeCAD 31.242026-10-07
VersaBank stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.14%CAD 31.602026-09-30
1 month+1.3%CAD 30.842026-09-04
3 month+0.82%CAD 30.992026-07-09
Year to date+52.86%CAD 20.442025-12-31
1 year+79.33%CAD 17.422025-10-07
3 year+208.15%CAD 10.142023-10-06
5 year+118.74%CAD 14.282021-10-08
Since inception+499.59%CAD 5.212017-02-02

VersaBank Financials at a Glance

Market Cap

CA$1.01BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

CA$341.23M

Net Income (TTM)

CA$33.86M

EPS (TTM)

CA$1.06

P/E Ratio

29.60

Dividend

CA$0.10

Beta (Volatility)

0.54 (Low)

Price

CA$31.24

Volume

19,192

Open

CA$31.08

Previous Close

CA$31.24

Daily Range

CA$30.90 - CA$31.45

52-Week Range

CA$15.80 - CA$34.00

Estimated Earnings Date

Dec 16, 2026

VBNK News

No articles available.

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About VersaBank

VersaBank operates as a Schedule I chartered bank in Canada, providing a comprehensive suite of financial products and services. Founded in 1979 and based in London, Canada, the bank specializes in deposit solutions and lending services, particularly in point-of-sale financing.

Products and Services
  • Guaranteed investment certificates (GICs) and savings accounts
  • Registered retirement savings plans (RRSPs) and tax-free savings accounts (TFSAs)
  • Commercial banking services for real estate and infrastructure projects
Growth Outlook
  • Recent quarterly revenue reached CAD 91.77 million, indicating strong performance
  • Net income for Q3 2026 was CAD 10.06 million, reflecting effective cost management
  • Consistent growth in cash flow from operating activities supports future expansion
Financial Highlights
  • Trailing twelve-month revenue of CAD 3.57 million, showcasing steady income generation
  • Net profit margin of 9.92% indicates efficient operations and profitability
  • Cash and cash equivalents totaled CAD 490.05 million, providing liquidity for growth initiatives
VersaBank's diverse offerings and strategic focus on point-of-sale financing position it well within the Canadian banking sector. The recent financial performance demonstrates resilience and potential for continued growth, making it an intriguing option for investors interested in the regional banking industry. The bank's strong liquidity and effective cost management further enhance its attractiveness as a financial institution.
AI Generated • Sep 20, 2026

Industry

Banks

Employees

131

CEO

Susan T. McGovern

Headquarters

London, ON N6A 5P2, CA

VBNK Financials

Key Financial Metrics (TTM)

Gross Margin

42.93%

Operating Margin

14.48%

Net Income Margin

9.92%

Return on Equity

6.17%

Return on Capital

6.47%

Return on Assets

0.49%

Earnings Yield

3.38%

Dividend Yield

0.32%

Payout Ratio

9.49%

Stock Overview

Market Cap

CA$1.01BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

32.42M

Volume

19.19K

Avg. Volume

34.40K

Financials (TTM)

Gross Profit

CA$146.49M

Operating Income

CA$49.43M

EBITDA

CA$52.21M

Operating Cash Flow

CA$109.19M

Capital Expenditure

-CA$6.13M

Free Cash Flow

CA$103.07M

Cash & ST Invst.

CA$490.05M

Total Debt

CA$107.24M

VersaBank Performance Analysis

VersaBank annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-10-31CAD 132,999,00040.0%
20232023-10-31CAD 237,918,00078.9%
20242024-10-31CAD 294,397,00023.7%
20252025-10-31CAD 304,153,0003.3%
VersaBank sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42025-10-315.5%
Q12026-01-314.9%
Q22026-04-302.2%
Q32026-07-317.1%
VersaBank annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-10-31CAD 0.79-17.4%
20232023-10-31CAD 1.5798.3%
20242024-10-31CAD 1.49-4.7%
20252025-10-31CAD 0.90-39.5%
VersaBank sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42025-10-31-20.0%
Q12026-01-31118.7%
Q22026-04-30-34.3%
Q32026-07-3134.8%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q3 2026YOY CHG

Revenue

CA$91.77M

+21.1%

Gross Profit

CA$39.04M

+28.4%

Gross Margin

42.54%

N/A

Market Cap

CA$1.01BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

CA$7.73M

N/A

Employees

131

N/A

Net Income

CA$10.06M

+52.8%

EBITDA

CA$13.88M

+46.4%

Quarterly Fundamentals

Name
Q3 2026YOY CHG

Total Cash

CA$490.05M

-21.1%

Total Debt

CA$107.24M

+2.1%

Accounts Receivable

CA$28.22M

-15.4%

Inventory

CA$0.00

N/A

Long Term Debt

CA$107.24M

+2.1%

Short Term Debt

CA$0.00

N/A

Return on Assets

0.49%

N/A

Return on Invested Capital

5.13%

N/A

Free Cash Flow

CA$35.22M

-80.8%

Operating Cash Flow

CA$35.41M

-80.7%

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Questions About VBNK

What is the current price of VersaBank?

VersaBank is trading at CA$31.24 per share.

What is the 52-week range for VersaBank?

Over the past 52 weeks, VersaBank has traded between CA$15.80 and CA$34.00.

How much debt does VersaBank have?

As of the most recent reporting period, VersaBank reported total debt of CA$107.24M.

How much cash does VersaBank have on hand?

VersaBank does not have cash on hand data available.

What is VersaBank’s dividend yield?

VersaBank currently has a dividend yield of 0.32%.

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