Versabank (VBNK.TO) Stock Price

Versabank Price

TSX·CLOSED
26.73CAD-0.42 (-1.54 %)
Market closed

Revenue has compounded at 14.7% per year over the past 15 years to 124.64 M CAD. Earnings per share have grown at 23.8% per year over the last 15 years. Versabank's net margin stands at 22.8%, down from 34.2% several years earlier. Versabank currently offers a dividend yield of about 0.37%. The payout ratio is around 11% of earnings. The dividend has grown at 14.0% per year over the past 7 years. Analysts set a median price target of 17.85 CAD, implying 33.2% below the current price. Of 8 analysts, 7 rate the stock a buy — an overall Buy consensus. The stock trades about 92% above its 52-week low.

Versabank stock price

Volume
Ex-Dividend
Details

Stock Price

ⓘ

How to Read This Chart

This chart tracks the historical stock price of Versabank over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Versabank stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Versabank's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Versabank Stock Price History
DateVersabank Price
8/6/202626.73 CAD
8/5/202627.15 CAD
8/4/202627.72 CAD
7/31/202627.05 CAD
7/30/202627.26 CAD
7/29/202627.59 CAD
7/27/202627.95 CAD
7/23/202627.89 CAD
7/22/202628.35 CAD
7/21/202629.16 CAD
7/20/202629.18 CAD
7/17/202629.56 CAD
7/16/202630.28 CAD
7/15/202629.76 CAD
7/14/202629.90 CAD
7/13/202631.37 CAD
7/10/202630.70 CAD
7/9/202631.01 CAD
7/8/202630.74 CAD
7/7/202630.90 CAD
7/6/202631.94 CAD
7/3/202631.10 CAD
7/2/202631.77 CAD
6/30/202633.00 CAD
6/29/202628.96 CAD
6/26/202627.29 CAD
6/25/202627.02 CAD
6/24/202627.41 CAD
6/23/202626.91 CAD
6/22/202626.72 CAD
6/19/202626.62 CAD
6/18/202627.34 CAD
6/17/202627.33 CAD
6/16/202627.47 CAD
6/15/202627.15 CAD
6/12/202627.70 CAD
6/11/202627.07 CAD
6/10/202627.31 CAD
6/9/202627.54 CAD
6/8/202627.26 CAD
6/5/202626.99 CAD
6/4/202626.30 CAD
6/3/202628.06 CAD
6/2/202625.02 CAD
6/1/202624.55 CAD
5/29/202624.95 CAD
5/28/202625.04 CAD
5/27/202624.75 CAD
5/26/202624.76 CAD
5/25/202624.79 CAD
5/22/202624.53 CAD
5/21/202624.25 CAD
5/20/202624.50 CAD
5/19/202623.90 CAD
5/15/202623.30 CAD
5/14/202623.98 CAD
5/13/202623.64 CAD
5/12/202624.55 CAD
5/11/202624.69 CAD
5/8/202625.80 CAD
5/7/202625.50 CAD
5/6/202625.36 CAD
5/5/202624.84 CAD
5/4/202624.44 CAD
5/1/202624.55 CAD
4/30/202624.27 CAD
4/29/202624.41 CAD
4/28/202625.15 CAD
4/27/202625.15 CAD
4/24/202625.00 CAD
4/23/202624.44 CAD
4/22/202624.83 CAD
4/21/202624.57 CAD
4/20/202624.05 CAD
4/17/202621.85 CAD
4/16/202622.03 CAD
4/15/202622.48 CAD
4/14/202622.55 CAD
4/13/202623.53 CAD
4/10/202623.40 CAD
4/9/202622.99 CAD
4/8/202621.03 CAD
4/7/202620.29 CAD
4/6/202620.26 CAD
4/2/202620.24 CAD
3/27/202619.34 CAD
3/26/202619.12 CAD
3/25/202619.20 CAD
3/24/202619.09 CAD
3/23/202618.90 CAD
3/20/202618.44 CAD
3/19/202618.55 CAD
3/18/202618.55 CAD
3/17/202619.02 CAD
3/16/202619.16 CAD
3/13/202619.01 CAD
3/12/202619.31 CAD
3/11/202619.96 CAD
3/10/202619.87 CAD
3/9/202619.47 CAD
3/6/202619.51 CAD
3/5/202619.79 CAD
2/26/202623.21 CAD
2/25/202622.95 CAD
2/24/202622.73 CAD
2/23/202622.52 CAD
2/20/202623.03 CAD
2/19/202622.97 CAD
2/18/202622.90 CAD
2/16/202622.76 CAD
2/12/202622.19 CAD
2/11/202621.74 CAD
2/10/202622.15 CAD
2/9/202622.70 CAD
2/8/202622.42 CAD
2/5/202622.59 CAD
2/4/202622.00 CAD
2/3/202622.32 CAD
2/2/202621.84 CAD
2/1/202621.60 CAD
1/29/202621.14 CAD
1/28/202621.28 CAD
1/27/202621.13 CAD
1/26/202621.24 CAD
1/25/202621.44 CAD
1/22/202621.53 CAD
1/21/202622.30 CAD
1/20/202622.06 CAD
1/19/202621.47 CAD
1/18/202621.77 CAD
1/15/202621.71 CAD
1/14/202622.12 CAD
1/13/202621.46 CAD
1/12/202621.37 CAD
1/11/202621.41 CAD
1/8/202621.03 CAD
1/7/202620.83 CAD
1/6/202620.46 CAD
1/5/202620.62 CAD
1/4/202620.52 CAD
1/1/202620.58 CAD
12/30/202520.50 CAD
12/29/202520.51 CAD
12/28/202520.52 CAD
12/23/202520.56 CAD
12/22/202520.49 CAD
12/21/202520.56 CAD
12/18/202520.92 CAD
12/17/202520.45 CAD
12/16/202519.82 CAD
12/15/202519.74 CAD
12/14/202519.59 CAD
12/11/202519.90 CAD
12/10/202519.78 CAD
12/9/202517.85 CAD
12/8/202517.26 CAD
12/7/202517.07 CAD
12/4/202517.02 CAD
12/3/202517.35 CAD
12/2/202517.39 CAD
12/1/202516.91 CAD
11/30/202517.00 CAD
11/27/202516.54 CAD
11/26/202517.00 CAD
11/25/202516.87 CAD
11/24/202516.88 CAD
11/23/202516.37 CAD
11/20/202516.43 CAD
11/19/202516.10 CAD
11/18/202515.82 CAD
11/17/202516.00 CAD
11/16/202516.01 CAD
11/13/202516.59 CAD
11/12/202516.40 CAD
11/11/202516.31 CAD
11/10/202516.36 CAD
11/9/202516.30 CAD
11/6/202516.45 CAD
11/5/202516.69 CAD
11/4/202516.82 CAD
11/3/202516.48 CAD
11/2/202516.74 CAD
10/30/202516.74 CAD
10/29/202516.64 CAD
10/28/202516.63 CAD
10/27/202516.74 CAD
10/26/202516.73 CAD
10/23/202516.56 CAD
10/22/202516.64 CAD
10/21/202516.53 CAD
10/20/202516.50 CAD
10/19/202516.81 CAD
10/16/202516.81 CAD
10/15/202517.12 CAD
10/14/202517.46 CAD
10/13/202517.28 CAD
10/9/202516.65 CAD
10/8/202517.01 CAD
10/7/202517.07 CAD
10/6/202517.50 CAD
10/5/202517.48 CAD
10/2/202517.35 CAD
10/1/202517.18 CAD
9/30/202517.03 CAD
9/29/202517.00 CAD
9/28/202517.48 CAD
9/25/202517.66 CAD
9/24/202517.43 CAD
9/23/202517.69 CAD
9/22/202517.55 CAD
9/21/202517.27 CAD
9/18/202517.43 CAD
9/17/202517.46 CAD
9/16/202517.10 CAD
9/15/202516.88 CAD
9/14/202516.76 CAD
9/11/202516.44 CAD
9/10/202516.76 CAD
9/9/202516.82 CAD
9/8/202516.70 CAD
9/7/202516.24 CAD
9/4/202516.69 CAD
9/3/202516.46 CAD
9/2/202515.68 CAD
9/1/202514.86 CAD
8/28/202514.98 CAD
8/27/202515.03 CAD
8/26/202515.44 CAD
8/25/202515.02 CAD
8/24/202514.70 CAD
8/21/202515.02 CAD
8/20/202514.87 CAD
8/19/202514.81 CAD
8/18/202514.74 CAD
8/17/202514.60 CAD
8/14/202514.82 CAD
8/13/202514.56 CAD
8/12/202514.55 CAD
8/11/202514.31 CAD
8/10/202513.94 CAD
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Versabank Revenue, Pre-Provision Profit, Net Income

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  • 25 Years

  • Max

Revenue
Pre-Provision Profit
Net Income
Details
Date
Revenue
Pre-Provision Profit
Net Income
Jan 1, 2020
54.19 M CAD
26.41 M CAD
19.41 M CAD
Jan 1, 2021
65.36 M CAD
30.35 M CAD
22.38 M CAD
Jan 1, 2022
132.54 M CAD
83.15 M CAD
22.66 M CAD
Jan 1, 2023
108.64 M CAD
58.25 M CAD
42.16 M CAD
Jan 1, 2024
111.63 M CAD
54.53 M CAD
39.75 M CAD
Jan 1, 2025
124.64 M CAD
45.91 M CAD
28.46 M CAD
Jan 1, 2026 (e)
159.03 M CAD
0.00 CAD
55.56 M CAD
Jan 1, 2027 (e)
205.31 M CAD
0.00 CAD
82.19 M CAD

Versabank Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 9, 2026, 9:24 AM
 
REVENUEM CAD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEM CAD
Net Interest IncomeM CAD
Non-Interest IncomeM CAD
Loan Loss ProvisionsM CAD
Pre-Provision Profit (PPOP)M CAD
NET INCOMEM CAD
NET INCOME GROWTH%
DIV.CAD
DIV. GROWTH%
SHARESM
201220132014201520162017201820192020202120222023202420252026e2027e
32.0063.0060.0065.0070.0071.0081.0088.0086.0094.00132.00237.00111.00120.00159.00205.00
10.3496.88-4.768.337.691.4314.088.64-2.279.3040.4379.55-53.168.1132.5028.93
100.0042.8648.3350.7754.2960.5662.9661.3662.7969.1561.3645.57100.00100.00100.00100.00
32.0027.0029.0033.0038.0043.0051.0054.0054.0065.0081.00108.00111.00120.00159.00205.00
19.6125.6627.8733.9738.4043.9851.5053.9054.1360.1676.67100.05102.66116.17––
13.292.322.631.391.27-0.140.190.020.065.2055.888.588.988.47––
0.460.520.921.550.87-0.130.33-0.30-0.34-0.440.450.61-0.274.41––
8.563.037.1210.5812.6214.6025.3527.5226.4130.3583.1558.2554.5345.91––
3.001.005.008.008.0019.0018.0020.0019.0022.0022.0042.0039.0028.0055.0082.00
-57.14-66.67400.0060.00–137.50-5.2611.11-5.0015.79–90.91-7.14-28.2196.4349.09
––––––0.040.070.100.100.100.160.120.100.100.10
–––––––75.0042.86––60.00-25.00-16.67––
17.3918.7819.4419.4420.1021.1321.9721.1221.1223.6026.8825.9625.9731.9531.9531.95
Details

Income Statement Key Figures

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Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Versabank generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Versabank retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Versabank's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Versabank has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Versabank's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Versabank stock margins

The Versabank margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Versabank. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Versabank.

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Cost-Income Ratio
Profit margin
Details
Date
Cost-Income Ratio
Profit margin
Jan 1, 2020
51.27 %
35.81 %
Jan 1, 2021
53.57 %
34.24 %
Jan 1, 2022
37.27 %
17.09 %
Jan 1, 2023
46.38 %
38.81 %
Jan 1, 2024
51.16 %
35.61 %
Jan 1, 2025
63.17 %
22.83 %
Jan 1, 2026 (e)
0.00 %
34.94 %
Jan 1, 2027 (e)
0.00 %
40.03 %

Versabank Revenue per Share, Earnings per Share

The Versabank earnings per share therefore indicates how much revenue Versabank has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

  • 3 Years

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  • Max

Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2020
2.57 CAD
0.92 CAD
Jan 1, 2021
2.77 CAD
0.95 CAD
Jan 1, 2022
4.93 CAD
0.84 CAD
Jan 1, 2023
4.18 CAD
1.62 CAD
Jan 1, 2024
4.30 CAD
1.53 CAD
Jan 1, 2025
3.90 CAD
0.89 CAD
Jan 1, 2026 (e)
5.05 CAD
1.76 CAD
Jan 1, 2027 (e)
6.52 CAD
2.61 CAD

Versabank business model & stock analysis

VersaBank is a Canadian bank that was founded in 1979. Originally started as City Savings and Trust Company in London, Ontario, it later merged into City Savings Credit Union. In 1993, the bank was renamed VersaBank and focused on providing online banking services to small and medium-sized businesses, as well as retail customers. An important feature of their business model is their focus on niche areas where other banks are not active or do not offer specialized services in order to differentiate themselves from competition. VersaBank is divided into several divisions, each specializing in different customer groups and services. The first division is the bank itself, which focuses on providing online banking services. The bank has a powerful internet platform through which customers can order and process a variety of banking products. Their offerings include online deposit accounts, mortgages, loans, and checking accounts. VersaBank emphasizes efficiency in processing banking transactions, allowing them to offer higher interest rates on deposits compared to traditional banks. Another division of the bank is VersaVault Inc., which specializes in developing secure digital storage for digital assets. VersaVault offers a solution for the secure storage of cryptocurrencies and other digital assets, where users maintain full control of their assets at all times. For example, VersaVault provides customers with a vault room where their digital assets are securely stored. This is particularly appealing to businesses that require high security when managing cryptocurrencies. Another division of VersaBank is Pegasus Fintech Inc., which focuses on providing lending and payment services to small and medium-sized businesses. This includes transaction processing and transfer services, as well as lending through a specialized online platform. VersaBank is a company that focuses on innovation and specialization. By focusing on niche areas and utilizing technology, the bank seeks to differentiate themselves from other market participants and gain competitive advantages. The different divisions complement each other effectively, providing a wide range of services that cater to customers of all kinds.

Versabank SWOT Analysis

Strengths

VersaBank has a strong financial position and a solid balance sheet, allowing it to withstand economic downturns and financial crises. The bank has a wide range of products and services, catering to the needs of both individual and corporate clients. VersaBank also boasts a comprehensive network of branches and ATMs, providing convenient access to banking services for customers.

Weaknesses

One weakness of VersaBank is its limited brand awareness compared to larger, more established banks. This can make it challenging for VersaBank to attract new customers and compete for market share. Additionally, the bank may face difficulties in expanding its operations globally due to unfamiliarity with international markets and competition from established foreign banks.

Opportunities

VersaBank has an opportunity to leverage advancements in technology to enhance its digital banking capabilities. By investing in innovative digital solutions, the bank can attract tech-savvy customers and gain a competitive edge in the market. Furthermore, VersaBank can explore strategic partnerships and collaborations with fintech companies to expand its product offerings and tap into new customer segments.

Threats

One major threat for VersaBank is the increasing regulatory scrutiny and compliance requirements imposed on the banking industry. Non-compliance can lead to substantial fines and reputational damage. Additionally, intense competition from larger banks puts pressure on VersaBank to continually improve its offerings and differentiate itself in the market. Economic instability and fluctuations also pose risks to the bank's profitability and growth.

Versabank Eulerpool Fair Value

Details

Fair Value Estimate

ⓘ

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Versabank historical P/E ratio, EBIT multiple, and P/S ratio

Versabank annual returns

Details

Annual Return

ⓘ

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Versabank shares outstanding

The number of shares of Versabank was 31.95 M in 2025. This indicates how many shares Versabank is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

  • 3 Years

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  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2020
21.12 M Stocks
Jan 1, 2021
23.60 M Stocks
Jan 1, 2022
26.88 M Stocks
Jan 1, 2023
25.96 M Stocks
Jan 1, 2024
25.97 M Stocks
Jan 1, 2025
31.95 M Stocks
Jan 1, 2026 (e)
31.95 M Stocks
Jan 1, 2027 (e)
31.95 M Stocks

Versabank Dividend History

9 years of dividend payments

YearAnnual DividendYoY ChangePayments
20260.05CADYTD—2×
Jan 9, 20260.03CAD 0.0%1/2
Apr 10, 20260.03CAD 0.0%2/2
20250.10CAD↓ 16.7%4×
Jan 10, 20250.03CAD 0.0%1/4
Apr 4, 20250.03CAD 0.0%2/4
Jul 4, 20250.03CAD 0.0%3/4
Oct 10, 20250.03CAD 0.0%4/4
20240.12CAD↓ 25.0%5×
20230.16CAD↑ 60.0%7×
20220.10CAD 0.0%4×
20210.10CAD 0.0%4×
20200.10CAD↑ 42.9%4×
20190.07CAD↑ 75.0%4×
20180.04CAD—4×

Versabank dividend history and estimates

In 2025, Versabank paid a dividend amounting to 0.10 CAD. Dividend means that Versabank distributes a portion of its profits to its owners.

  • 3 Years

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  • Max

Dividend
Dividend (Estimate)
Details
Date
Dividend
Dividend (Estimate)
Jan 1, 2020
0.10 CAD
0.00 CAD
Jan 1, 2021
0.10 CAD
0.00 CAD
Jan 1, 2022
0.10 CAD
0.00 CAD
Jan 1, 2023
0.16 CAD
0.00 CAD
Jan 1, 2024
0.12 CAD
0.00 CAD
Jan 1, 2025
0.10 CAD
0.00 CAD
Jan 1, 2026 (e)
0.05 CAD
0.05 CAD
Jan 1, 2027 (e)
0.00 CAD
0.10 CAD

Versabank dividend payout ratio

In 2025, Versabank had a payout ratio of 11.23%. The payout ratio indicates the percentage of the company's profits that Versabank distributes as dividends.

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Payout ratio
Details
Date
Payout ratio
Jan 1, 2020
10.89 %
Jan 1, 2021
10.54 %
Jan 1, 2022
11.86 %
Jan 1, 2023
6.16 %
Jan 1, 2024
6.53 %
Jan 1, 2025
11.23 %
Jan 1, 2026 (e)
5.67 %
Jan 1, 2027 (e)
3.83 %

Current Versabank forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
0.00 %
Buy
87.50 % (7)
Hold
12.50 % (1)
Sell
0.00 % (0)
12M Price Target
17.85
Last Price
26.51
Currency
CAD
12M Return Potential
-32.67 %
LTM Return
0 %

Versabank Analyst Rating Actions

DateFirmActionRatingReliability
6/30/2026
Roth Capital
Roth Capital
UpgradeNeutralBuy–
12/11/2025
Roth Capital
Roth Capital
MaintainedNeutral–
6/5/2025
Raymond James
Raymond James
MaintainedOutperform74
11/8/2024
Raymond James
Raymond James
MaintainedOutperform74
12/31/2021
Raymond James
Raymond James
DowngradeStrong BuyBuy74
10/26/2021
Raymond James
Raymond James
DowngradeStrong BuyBuy74

Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.

Versabank Earnings Calls

Versabank Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
6/5/20240.45CAD-29.78 MCAD-2024 Q2
3/6/20240.43CAD-29.07 MCAD-2024 Q1

EESG©

Eulerpool ESG Scorecard© for the Versabank stock

31/100
36
Environment
21
Social
37
Governance
E

Environment

20
Scope 1 - Direct Emissions—
Scope 2 - Indirect emissions from purchased energy—
Scope 3 - Indirect emissions within the value chain—
Total CO₂ emissions—
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather—
Pesticides—
Palm Oil—
Tobacco
Genetically modified organisms
Climate concept—
Sustainable forestry—
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees—
Percentage of women in management—
Percentage of Asian employees—
Share of Asian management—
Percentage of Hispanic/Latino employees—
Hispano/Latino Management share—
Percentage of Black employees—
Black Management Share—
Percentage of white employees—
White Management Share—
Adult content
Alcohol
Weapons—
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept—
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Versabank shareholder structure

% Name
9.01594%
AllianceBernstein L.P.
AllianceBernstein L.P.
4.11503%
CIBC World Markets Inc.
CIBC World Markets Inc.
3.34104%
Mendon Capital Advisors Corp.
Mendon Capital Advisors Corp.
2.59286%
Rhino Investment Partners, Inc.
Rhino Investment Partners, Inc.
2.53914%
Curi RMB Capital, LLC
Curi RMB Capital, LLC
1.95640%
Pacific Ridge Capital Partners, LLC
Pacific Ridge Capital Partners, LLC

Versabank Beneficial Ownership Filings (SEC 13D/G)

Free Float
62.2%
Float Shares
-
Shares Outstanding
-

Versabank Executives and Management Board

20 members · avg. age 67 · 15 % women

DT

Mr. David Taylor (67)

President, Chief Executive Officer, Director · since 1993

3.11 M CAD

Management

SC

Mr. Shawn Clarke

Chief Operating Officer

1.07 M CAD
JA

Mr. John Asma

Chief Financial Officer

974,719.00 CAD
NK

Mr. Nick Kristo

Senior Vice President

862,021.00 CAD
JT

Mr. Jonathan Taylor

Chief Human Resources Officer · since 2020

674,079.00 CAD
BH

Mr. Brent Hodge

Senior Vice President, Chief Compliance Officer, General Counsel, Corporate Secretary

–
DT

Mr. David Thoms

Senior Vice President - Point of Sale Financing

–

Board of Directors

SM

Ms. Susan Mcgovern

Independent Vice Chairman of the Board

124,300.00 CAD
RB

Mr. Robbert-Jan Brabander

Independent Director

123,435.00 CAD
RJ

Mr. Richard Jankura

Independent Director

117,093.00 CAD
PI

Mr. Peter Irwin

Independent Director

112,930.00 CAD
PO

Mr. Paul Oliver

Independent Director

86,410.00 CAD
GB

Ms. Gabrielle Bochynek

Independent Director

84,325.00 CAD

Frequently asked questions about Versabank

VersaBank is a Canadian financial institution that operates with a unique business model focused on digital banking solutions. The bank primarily specializes in providing innovative financial services through the implementation of advanced technology and secure online platforms. VersaBank aims to deliver efficient banking solutions, including personal and commercial banking, mortgages, and financing services, with an emphasis on cybersecurity. With its customer-centric approach and state-of-the-art digital infrastructure, VersaBank strives to offer convenient and secure banking experiences for clients.

VersaBank is primarily active in the financial services industry.

The main competitors of VersaBank in the market include other banks and financial institutions such as Royal Bank of Canada (RBC), Toronto-Dominion Bank (TD Bank), Bank of Montreal (BMO), and Canadian Imperial Bank of Commerce (CIBC). These established banking institutions are actively engaged in providing a range of financial services similar to VersaBank's offerings. They compete with VersaBank in areas like retail and commercial banking, loans, mortgages, investment services, and wealth management. Despite facing tough competition, VersaBank distinguishes itself through its innovative approach, digital banking solutions, and focus on serving niche markets.

VersaBank, founded in 1979, is a leading Canadian digital bank that offers innovative financial solutions. With its headquarters in London, Ontario, VersaBank provides a range of digital banking services, including personal and commercial banking, as well as lending and deposit products. As a pioneer in digital banking, VersaBank has constantly evolved to meet the changing needs of its customers. Its secure online platform and advanced technology enable customers to conveniently manage their finances anytime, anywhere. VersaBank's commitment to providing exceptional digital banking experiences has positioned it as a trusted and reliable choice for individuals and businesses seeking modern banking solutions.

VersaBank, a leading Canadian financial institution, has achieved several significant milestones that highlight its success and growth. Over the years, the company has continuously expanded its product offerings and geographic reach, cementing its position as a reputable player in the industry. VersaBank proudly stands as the world's first fully digital bank, operating exclusively online, and offering innovative banking solutions to its customers. In addition, VersaBank has consistently delivered robust financial results, showcasing its strong performance and ability to generate sustainable profits. Through its unwavering commitment to innovation, VersaBank has successfully established itself as a trusted and forward-thinking financial institution.

VersaBank primarily operates in Canada, serving clients nationwide.

VersaBank represents values and a corporate philosophy centered on innovation, customer focus, and financial stability. As a premier digital bank, VersaBank embraces cutting-edge technology to provide secure, efficient, and convenient banking solutions to its clients. With a keen emphasis on customer satisfaction, VersaBank aims to deliver personalized services and foster long-term relationships. Additionally, the bank prioritizes financial stability, leveraging its expertise and sound risk management practices to ensure the security and growth of its clients' assets. VersaBank's commitment to innovation, customer-centricity, and financial stability sets it apart in the banking industry and makes it a preferred choice for individuals and businesses alike.

Analysts currently set an average price target of 17.85 CAD for the Versabank stock (median: 17.85 CAD), implying -32.7 % versus the latest price. The consensus is based on 8 analyst ratings.

Versabank Analyst Price Targets 2026

8 analysts currently rate the Versabank stock: 7 recommend buying, 1 holding and 0 selling. For 2026, analysts expect Versabank to generate revenue of 159.03 M CAD and earnings per share of 1.74 CAD.

Versabank Analyst Price Targets 2026

Converted at the current exchange rate, the Versabank share trades at 16.58 EUR (26.73 CAD).

The Versabank share (VBNK.TO) is listed on 4 stock exchanges, including: NASDAQ (VBNK), Frankfurt (VEW.F), München (VEW.MU), Toronto (VBNK.TO).

VersaBank is a Canadian business bank that specializes in innovative financial technology solutions. The bank's business model is based on three pillars: digital banking, mortgage banking, and payment services. VersaBank's digital bank focuses on deposits and loans for businesses and individuals, offering various types of accounts that can be opened and managed online. The bank also provides mortgages for residential properties, commercial properties, and agricultural lands, using an online model with automated loan application processing. In terms of payment services, VersaBank offers transaction settlement services using blockchain technology through its VersaVault system, which provides secure digital storage for assets such as cryptocurrencies. Overall, VersaBank's business model aims to provide innovative and efficient banking services, leveraging modern technologies such as blockchain. The bank caters to the different needs of its customers, both private and business, and aims to create value for them in the future.

The expected revenue of Versabank is 159.03 M CAD. This figure is based on current financial data and reflects the company's business performance.

The expected profit of Versabank is 55.56 M CAD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of Versabank is currently 15.37. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Versabank stock.

The price-to-sales ratio (P/S) of Versabank is currently 5.37. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Versabank stock.

The Eulerpool Quality Score for Versabank is 6/10.

The ISIN of Versabank is CA92512J1066. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of Versabank is A2DLL7. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of Versabank is VBNK.TO. The ticker symbol is used to trade Versabank shares on the stock exchange.

Over the past 12 months, Versabank paid a dividend of 0.10 CAD . This corresponds to a dividend yield of about 0.37 %. For the coming 12 months, Versabank is expected to pay a dividend of 0.10 CAD.

The current dividend yield of Versabank is 0.37 %.

Versabank pays a dividend, distributed in the months of , , , .

Versabank paid dividends every year for the past 8 years.

For the upcoming 12 months, dividends amounting to 0.10 CAD are expected. This corresponds to a dividend yield of 0.37 %.

Versabank is assigned to the 'Finance' sector.

In the year 2025, Versabank distributed 0.12 CAD as dividends.

The dividends of Versabank are distributed in CAD.

All fundamentals and in-depth analysis of Versabank

Our stock analysis for Versabank stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Versabank. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.

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