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    VersaBank (VBNK)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $22.39
    +0.51 (+2.33%)

    Market Cap: $734.29M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    51%(20/39)
    Avg Surprise
    -3.66%

    Upcoming Estimates

    Period ending Oct 31, 2026
    EPS Consensus$0.36
    Range$0.34 - $0.40
    3 analysts
    Revenue Consensus
    $42M
    Range$41M - $44M
    3 analysts
    Period ending Jan 31, 2027
    EPS Consensus$0.38
    Range$0.37 - $0.38
    3 analysts
    EPS Revisions
    1
    0
    7d
    1
    1
    30d
    EPS Estimate DriftChange to current
    90d ago$0.36+6.2%
    60d ago$0.36+6.0%
    30d ago$0.34+11.5%
    7d ago$0.38-1.0%
    Current$0.38
    Revenue Consensus
    $46M
    Range$45M - $49M
    3 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Jan 27EST
    		-$0.38---
    Oct 26EST
    		-$0.36---
    Jul 26
    Reported Sep 3
    		$0.27$0.34-20.59%Miss+22.7%
    Apr 26
    Reported Jun 3
    		$0.28$0.27+3.70%Beat+47.4%
    Jan 26
    Reported Mar 4
    		$0.28$0.25+12.00%Beat+47.4%
    Oct 25
    Reported Dec 10
    		$0.24$0.24+0.00%Beat+71.4%
    Jul 25
    Reported Sep 4
    		$0.22$0.18+22.22%Beat-18.5%
    Apr 25
    Reported Jun 4
    		$0.19$0.21-9.52%Miss-42.4%
    Jan 25
    Reported Mar 5
    		$0.19$0.27-29.63%Miss-45.7%
    Oct 24
    Reported Dec 9
    		$0.14N/A-51.72%Miss-60.0%
    Jul 24
    Reported Sep 5
    		$0.27$0.34-20.59%Miss-3.6%
    Apr 24
    Reported Jun 5
    		$0.33$0.34-2.94%Miss+17.9%
    Jan 24
    Reported Mar 6
    		$0.35$0.34+2.94%Beat+40.0%
    Oct 23
    Reported Dec 13
    		$0.35$0.31+12.90%Beat+105.9%
    Jul 23
    Reported Aug 30
    		$0.28$0.30-6.67%Miss+86.7%
    Apr 23
    Reported Jun 7
    		$0.28$0.27+3.70%Beat+115.4%
    Jan 23
    Reported Mar 8
    		$0.25$0.20+25.00%Beat+66.7%
    Oct 22
    Reported Dec 7
    		$0.17$0.16+6.25%Beat-10.5%
    Jul 22
    Reported Aug 31
    		$0.15$0.18-16.67%Miss-25.0%
    Apr 22
    Reported Jun 1
    		$0.13$0.17-23.53%Miss-38.1%
    Jan 22
    Reported Mar 2
    		$0.15$0.18-16.67%Miss-16.7%
    Oct 21
    Reported Dec 1
    		$0.19$0.19+0.00%Beat-5.0%
    Jul 21
    Reported Sep 1
    		$0.20$0.21-4.76%Miss+50.9%
    Apr 21
    Reported May 27
    		$0.21$0.21+0.00%Beat+32.7%
    Jan 21
    Reported Feb 24
    		$0.18$0.17+5.88%Beat+8.8%
    Oct 20
    Reported Nov 25
    		$0.20$0.18+11.11%Beat+15.2%
    Jul 20
    Reported Aug 26
    		$0.13$0.19-30.26%Miss-15.8%
    Apr 20
    Reported May 27
    		$0.16$0.25-36.68%Miss+2.5%
    Jan 20
    Reported Feb 26
    		$0.17$0.26-36.38%Miss+6.1%
    Oct 19
    Reported Nov 27
    		$0.17$0.27-35.70%Miss+8.5%
    Jul 19
    Reported Aug 28
    		$0.16$0.24-34.46%Miss+4.9%
    Apr 19
    Reported May 29
    		$0.15$0.24-35.63%Miss+10.4%
    Jan 19
    Reported Feb 27
    		$0.16N/AN/ABeat+29.9%
    Oct 18
    Reported Nov 28
    		$0.16$0.14+14.29%Beat-5.9%
    Jul 18
    Reported Aug 29
    		$0.15$0.13+15.38%Beat+87.5%
    Apr 18
    Reported May 30
    		$0.14$0.13+7.69%Beat+7.7%
    Jan 18
    Reported Feb 28
    		$0.12$0.11+9.09%Beat-14.3%
    Oct 17
    Reported Nov 29
    		$0.17$0.10+70.00%Beat+88.9%
    Jul 17
    Reported Aug 30
    		$0.08$0.10-20.00%Miss-
    Apr 17
    Reported May 31
    		$0.13$0.10+30.00%Beat-
    Jan 17
    Reported Mar 17
    		$0.14$0.09+55.56%Beat-
    Oct 16
    Reported Nov 30
    		$0.09$0.11-18.18%Miss-

    Dividends

    Dividend Metrics

    Forward Yield0.32%
    Forward Annual Dividend$0.07
    Payout Ratio6.74%
    Pay MonthsJan, Apr, Jul, Oct

    Growth

    3Y CAGR-2.57%
    VBNK dividend history and ex-dividend datesRun VBNK in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio28.86EV/EBITDA6.18x
    Price/FCFN/AFCF YieldN/A
    Profitability
    Profit Margin23.10%Operating Margin35.50%
    ROE6.19%ROIC5.14%
    Financial Health
    Debt/Equity0.18xInterest Coverage0.26x
    Current Ratio0.09xQuick Ratio0.09x
    Trading Statistics
    Beta1.00Avg Volume150.42K
    52-Week High$25.0152-Week Low$11.21

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$22.24
    SMA 20$22.49
    SMA 50$21.28
    SMA 200$18.32
    EMA 10$22.30
    EMA 20$22.23
    EMA 50$21.58
    EMA 200$18.58

    MACD

    Line: 0.18Signal: 0.29Hist: -0.10

    ADX

    ADX: 24.6+DI: 28.5-DI: 21.2

    Aroon & PSAR

    Aroon Up44.0
    Aroon Down84.0
    PSAR$21.61

    Bollinger Bands

    Upper Band$23.44
    Lower Band$21.55
    %B Position841%(Upper)
    Band Width0.45

    RSI (14-Day)

    Neutral
    53.1

    Momentum Oscillators

    Stoch %K33.9
    Stoch %D36.1
    Williams %R-57.9
    ROC (10d)1.3%
    Momentum0.30
    CCI (20d)-31.3
    MFI (14d)45.2

    Volatility Measures

    ATR (14d)$0.74(3.3%)
    StdDev (20d)0.47
    Hist Vol28.5%(Moderate)

    Volume Flow

    VWAP$22.35
    OBV4.3M
    AD Line-6.0M
    CMF (20d)-0.230

    Volume Metrics

    Avg Vol (20d)148.7K
    Vol Ratio0.7x
    VWMA (20d)$22.55

    Pivot Points

    R3$23.07
    R2$22.75
    R1$22.32
    Pivot Point$22.00
    S1$21.57
    S2$21.25
    S3$20.82

    Advanced Oscillators

    TSI7.54
    Ultimate Osc46.5
    KST45.44

    Financial Data

    QuarterJul 2026Apr 2026Jan 2026Oct 2025Jul 2025Apr 2025Jan 2025Oct 2024Jul 2024Apr 2024Jan 2024Oct 2023
    Total Revenue$39.04M$85.65M$83.98M$79.93M$75.79M$73.08M$75.35M$75.62M$73.70M$73.50M$71.58M$69.02M
    Cost of Revenue$52.73M$47.79M$48.11M$46.16M$45.39M$43.83M$48.55M$48.18M$46.70M$45.02M$42.60M$39.67M
    Gross Profit$39.04M$37.85M$35.87M$33.77M$30.40M$29.25M$26.80M$27.44M$27.00M$28.48M$28.98M$29.36M
    Operating Expenses$25.16M$27.48M$20.58M$23.87M$21.65M$17.52M$15.70M$19.36M$13.53M$12.19M$12.02M$12.44M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$14.62M$13.08M$12.20M$11.80M$19.82M$15.88M$14.10M$17.78M$12.34M$10.97M$10.87M$11.45M
    Operating Income$13.88M$10.38M$15.29M$9.90M$8.75M$11.73M$11.10M$8.08M$13.46M$16.30M$16.95M$16.92M
    Interest Income$89.74M$83.06M$81.22M$77.47M$73.99M$70.98M$73.25M$73.24M$71.65M$71.24M$69.29M$66.09M
    Interest Expense$53.55M$47.37M$47.41M$44.84M$44.21M$42.94M$47.52M$48.34M$46.70M$45.00M$42.72M$39.85M
    Income Before Tax$13.88M$10.38M$15.29M$9.90M$8.75M$11.73M$11.10M$8.08M$13.46M$16.30M$16.95M$16.92M
    Income Tax Expense$3.82M$2.85M$4.21M$4.70M$2.17M$3.21M$2.96M$2.56M$3.76M$4.47M$4.25M$4.44M
    Net Income$10.06M$7.52M$11.09M$5.20M$6.58M$8.53M$8.14M$5.52M$9.71M$11.83M$12.70M$12.48M
    EBITDA$15.11M$11.33M$16.23M$10.80M$9.48M$12.46M$11.85M$8.92M$14.05M$16.93M$17.53M$17.35M
    EBIT$13.88M$10.38M$15.29M$9.90M$8.75M$11.73M$11.10M$8.08M$13.46M$16.30M$16.95M$16.92M
    * Some calculated fields are derived from available data when not provided by source

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    VBNK Valuation and Fair Value

    P/E
    28.9x
    Forward P/E
    11.6x
    EV/EBITDA
    6.2x
    P/B
    1.3x
    See GNG's fair value

    VBNK Profitability: Margins, ROIC and FCF

    Gross margin
    50.6%
    Operating margin
    35.5%
    Net margin
    23.1%
    ROIC
    5.1%
    ROE
    6.2%
    FCF margin
    4.8%

    VBNK Competitors

    CompanyTicker
    Vinci Partners Investments LtdVINP
    MainStay CBRE Global Infrastructure Megatrends FundMEGI
    Shore Bancshares IncSHBI
    Amark PreciAMRK
    PRA Group IncPRAA
    Carlyle Secured Lending IncCGBD
    Customers Bancorp, Inc 5.375% SCUBB
    Independent Bank CorporationIBCP

    Sector: Financial Services

    VBNK Analyst Ratings

    Consensus
    Strong Buy
    Analysts
    3
    Strong Buy
    2
    Buy
    1
    Hold
    0
    Sell
    0
    Strong Sell
    0

    VBNK Bull Case vs Bear Case

    Bull case

    • VBNK has a 23.1% net profit margin.
    • VBNK grew quarterly revenue 28.4% year over year.

    Bear case

    • VBNK beat EPS estimates in 37.5% of its last 8 reported quarters.

    VBNK Earnings: Beat Rate and Next Report

    Beat rate
    3 of 8 quarters (37.5%)
    Average surprise
    -9.2%
    EPS estimate (fiscal period ending Oct 31, 2026)
    $0.36

    VBNK Dividend

    Forward yield
    0.3%
    Payout ratio
    6.7%
    3Y DPS growth
    -2.6%
    Pay months
    Jan, Apr, Jul, Oct
    VBNK dividend history

    Frequently Asked Questions About VBNK

    What is VBNK's current dividend yield?

    VersaBank (VBNK) has a forward dividend yield of 0.32%.

    Does VBNK pay dividends?

    Yes, VersaBank pays dividends with a forward dividend yield of 0.32%.

    What is VBNK's P/E ratio?

    VersaBank has a price-to-earnings (P/E) ratio of 28.86.

    What is VBNK's market cap?

    VersaBank (VBNK) has a market capitalization of $734.29M with a current stock price of $22.39.

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