V

    VersaBank (VBNK)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $19.20
    -0.64 (-3.25%)

    Market Cap: $643.13M

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

    Beat Rate
    53%(20/38)
    Avg Surprise
    -3.22%
    Streak
    4 Q

    Upcoming Estimates

    Jul 31, 2026
    EPS Consensus$0.30
    Range$0.23 - $0.35
    3 analysts
    EPS RevisionsNo revisions (7d)
    2
    1
    30d
    EPS Estimate Drift
    90d ago$0.33+10.2%
    60d ago$0.33+10.2%
    30d ago$0.34+11.6%
    7d ago$0.30-0.1%
    Current$0.30
    Revenue Consensus
    $41M
    Range$41M - $41M
    2 analysts
    Oct 31, 2026
    EPS Consensus$0.31
    Range$0.09 - $0.45
    3 analysts
    Revenue Consensus
    $45M
    Range$44M - $47M
    3 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Oct 26EST
    		-$0.31---
    Jul 26EST
    		-$0.30---
    Apr 26
    		$0.28$0.27+3.70%Beat+47.4%
    Jan 26
    		$0.28$0.25+12.00%Beat+47.4%
    Oct 25
    		$0.24$0.24+0.00%Beat+71.4%
    Jul 25
    		$0.22$0.18+22.22%Beat-18.5%
    Apr 25
    		$0.19$0.21-9.52%Miss-42.4%
    Jan 25
    		$0.19$0.27-29.63%Miss-45.7%
    Oct 24
    		$0.14N/A-51.72%Miss-60.0%
    Jul 24
    		$0.27$0.34-20.59%Miss-3.6%
    Apr 24
    		$0.33$0.34-2.94%Miss+17.9%
    Jan 24
    		$0.35$0.34+2.94%Beat+40.0%
    Oct 23
    		$0.35$0.31+12.90%Beat+105.9%
    Jul 23
    		$0.28$0.30-6.67%Miss+86.7%
    Apr 23
    		$0.28$0.27+3.70%Beat+115.4%
    Jan 23
    		$0.25$0.20+25.00%Beat+66.7%
    Oct 22
    		$0.17$0.16+6.25%Beat-10.5%
    Jul 22
    		$0.15$0.18-16.67%Miss-25.0%
    Apr 22
    		$0.13$0.17-23.53%Miss-38.1%
    Jan 22
    		$0.15$0.18-16.67%Miss-16.7%
    Oct 21
    		$0.19$0.19+0.00%Beat-5.0%
    Jul 21
    		$0.20$0.21-4.76%Miss+50.9%
    Apr 21
    		$0.21$0.21+0.00%Beat+32.7%
    Jan 21
    		$0.18$0.17+5.88%Beat+8.8%
    Oct 20
    		$0.20$0.18+11.11%Beat+15.2%
    Jul 20
    		$0.13$0.19-30.26%Miss-15.8%
    Apr 20
    		$0.16$0.25-36.68%Miss+2.5%
    Jan 20
    		$0.17$0.26-36.38%Miss+6.1%
    Oct 19
    		$0.17$0.27-35.70%Miss+8.5%
    Jul 19
    		$0.16$0.24-34.46%Miss+4.9%
    Apr 19
    		$0.15$0.24-35.63%Miss+10.4%
    Jan 19
    		$0.16N/AN/ABeat+29.9%
    Oct 18
    		$0.16$0.14+14.29%Beat-5.9%
    Jul 18
    		$0.15$0.13+15.38%Beat+87.5%
    Apr 18
    		$0.14$0.13+7.69%Beat+7.7%
    Jan 18
    		$0.12$0.11+9.09%Beat-14.3%
    Oct 17
    		$0.17$0.10+70.00%Beat+88.9%
    Jul 17
    		$0.08$0.10-20.00%Miss-
    Apr 17
    		$0.13$0.10+30.00%Beat-
    Jan 17
    		$0.14$0.09+55.56%Beat-
    Oct 16
    		$0.09$0.11-18.18%Miss-

    Dividends

    Dividend Metrics

    Yield0.38%
    Annual/Share$0.07
    Payout Ratio7.67%
    Pay MonthsJan, Apr, Jul, Oct

    Growth

    3Y CAGR-2.57%
    View VBNK's full dividend history

    Key Metrics

    Valuation
    P/E Ratio25.87EV/EBITDAN/A
    Price/FCF2.64xFCF Yield37.87%
    Profitability
    Profit Margin22.00%Operating Margin27.40%
    ROE5.62%ROIC4.61%
    Financial Health
    Debt/Equity0.18xInterest Coverage0.24x
    Current Ratio0.13xQuick Ratio0.13x
    Trading Statistics
    Beta1.10Avg Volume94.76K
    52-Week High$25.0352-Week Low$10.80

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$19.70
    SMA 20$19.63
    SMA 50$20.24
    SMA 200$16.85
    EMA 10$19.71
    EMA 20$19.75
    EMA 50$19.70
    EMA 200$17.28

    MACD

    Line: -0.07Signal: -0.10Hist: 0.02

    ADX

    ADX: 16.0+DI: 24.3-DI: 20.4

    Aroon & PSAR

    Aroon Up56.0
    Aroon Down40.0
    PSAR$20.52

    Bollinger Bands

    Upper Band$20.47
    Lower Band$18.78
    %B Position863%(Upper)
    Band Width0.25

    RSI (14-Day)

    Neutral
    43.5

    Momentum Oscillators

    Stoch %K53.5
    Stoch %D62.9
    Williams %R-88.6
    ROC (10d)-4.0%
    Momentum-0.80
    CCI (20d)-56.0
    MFI (14d)50.3

    Volatility Measures

    ATR (14d)$0.64(3.3%)
    StdDev (20d)0.42
    Hist Vol31.3%(Moderate)

    Volume Flow

    VWAP$19.35
    OBV1.8M
    AD Line-6.9M
    CMF (20d)0.071

    Volume Metrics

    Avg Vol (20d)95.8K
    Vol Ratio0.9x
    VWMA (20d)$19.65

    Pivot Points

    R3$21.05
    R2$20.71
    R1$20.27
    Pivot Point$19.93
    S1$19.49
    S2$19.15
    S3$18.71

    Advanced Oscillators

    TSI-3.61
    Ultimate Osc53.7
    KST-32.98

    Financial Data

    QuarterApr 2026Jan 2026Oct 2025Jul 2025Apr 2025Jan 2025Oct 2024Jul 2024Apr 2024Jan 2024Oct 2023Jul 2023
    Total Revenue$85.65M$83.98M$79.93M$75.79M$73.08M$75.35M$75.62M$73.70M$73.50M$71.58M$69.02M$62.02M
    Cost of Revenue$47.79M$48.11M$46.16M$45.39M$43.83M$48.55M$48.18M$46.70M$45.02M$42.60M$39.67M$35.33M
    Gross Profit$37.85M$35.87M$33.77M$30.40M$29.25M$26.80M$27.44M$27.00M$28.48M$28.98M$29.36M$26.69M
    Operating Expenses$27.48M$20.58M$23.87M$21.65M$17.52M$15.70M$19.36M$13.53M$12.19M$12.02M$12.44M$12.88M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$13.08M$12.20M$11.80M$19.82M$15.88M$14.10M$17.78M$12.34M$10.97M$10.87M$11.45M$11.90M
    Operating Income$10.38M$15.29M$9.90M$8.75M$11.73M$11.10M$8.08M$13.46M$16.30M$16.95M$16.92M$13.81M
    Interest Income$83.06M$81.22M$77.47M$73.99M$70.98M$73.25M$73.24M$71.65M$71.24M$69.29M$66.09M$60.09M
    Interest Expense$47.37M$47.41M$44.84M$44.21M$42.94M$47.52M$48.34M$46.70M$45.00M$42.72M$39.85M$35.16M
    Income Before Tax$10.38M$15.29M$9.90M$8.75M$11.73M$11.10M$8.08M$13.46M$16.30M$16.95M$16.92M$13.81M
    Income Tax Expense$2.85M$4.21M$4.70M$2.17M$3.21M$2.96M$2.56M$3.76M$4.47M$4.25M$4.44M$3.81M
    Net Income$7.52M$11.09M$5.20M$6.58M$8.53M$8.14M$5.52M$9.71M$11.83M$12.70M$12.48M$10.00M
    EBITDA$11.33M$16.23M$10.80M$9.48M$12.46M$11.85M$8.92M$14.05M$16.93M$17.53M$17.35M$14.24M
    EBIT$10.38M$15.29M$9.90M$8.75M$11.73M$11.10M$8.08M$13.46M$16.30M$16.95M$16.92M$13.81M
    * Some calculated fields are derived from available data when not provided by source

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    Frequently Asked Questions About VBNK

    What is VBNK's current dividend yield?
    VersaBank (VBNK) has a current dividend yield of 0.38%.
    Does VBNK pay dividends?
    Yes, VersaBank pays dividends with a current yield of 0.38%.
    What is VBNK's P/E ratio?
    VersaBank has a price-to-earnings (P/E) ratio of 25.87.
    What is VBNK's market cap?
    VersaBank (VBNK) has a market capitalization of $643.13M with a current stock price of $19.20.

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