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XNASVBNK
Market cap345mUSD
Dec 24, Last price  
13.32USD
1D
-1.55%
1Q
0.15%
IPO
277.02%
Name

VersaBank

Chart & Performance

D1W1MN
XNAS:VBNK chart
P/E
12.52
P/S
4.46
EPS
1.53
Div Yield, %
1.04%
Shrs. gr., 5y
4.21%
Rev. gr., 5y
15.67%
Revenues
112m
+2.76%
29,233,00032,895,00027,975,00030,507,00035,368,00039,677,00043,842,00051,685,00053,919,00054,185,00065,357,00082,392,000108,635,000111,633,000
Net income
40m
-5.73%
7,570,0003,824,0001,764,0005,676,0008,218,0008,470,00019,472,00018,074,00020,196,00019,405,00022,380,00022,658,00042,162,00039,748,000
CFO
273m
P
-20,230,000-10,206,000-88,532,000-29,021,000-57,437,000-46,719,00077,880,000-14,904,00019,780,000139,595,000-108,305,000-32,654,000-745,846,000272,705,000
Dividend
Oct 04, 20240.018505 USD/sh
Earnings
Mar 04, 2025

Profile

VersaBank, a schedule I chartered bank, provides various banking products and services in Canada. The company offers deposit products, such as guaranteed investment certificates, registered retirement savings plans, daily interest savings accounts, and tax-free savings accounts, as well as deposit insurance products. It also provides lending services, including point of sale financing that involves purchasing loan and lease receivables from finance companies operating in various industries; and commercial banking services comprising commercial real estate, public sector/infrastructure financing, condominium financing, and residential mortgages. 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.
URL
https://www.versabank.com/
IPO date
Aug 27, 2013
Employees
110
Domiciled in
CA
Incorporated in
CA

Valuation

Title
CAD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2024‑102023‑102022‑102021‑102020‑102019‑102018‑102017‑102016‑102015‑10
Income
Revenues
111,633
2.76%
108,635
31.85%
82,392
26.06%
Cost of revenue
51,953
49,772
45,528
Unusual Expense (Income)
NOPBT
59,680
58,863
36,864
NOPBT Margin
53.46%
54.18%
44.74%
Operating Taxes
15,045
15,483
9,890
Tax Rate
25.21%
26.30%
26.83%
NOPAT
44,635
43,380
26,974
Net income
39,748
-5.73%
42,162
86.08%
22,658
1.24%
Dividends
(3,588)
(3,600)
(3,729)
Dividend yield
0.66%
1.32%
1.46%
Proceeds from repurchase of equity
(14,008)
(13,012)
(1,930)
BB yield
2.58%
4.78%
0.76%
Debt
Debt current
708
Long-term debt
114,655
114,392
109,422
Deferred revenue
2,914,537
Other long-term liabilities
(108,720)
3,713,831
(104,951)
Net debt
(411,805)
(186,743)
(120,015)
Cash flow
Cash from operating activities
272,705
(745,846)
(32,654)
CAPEX
(18,578)
(362)
(581)
Cash from investing activities
(157,583)
(28,140)
(141,612)
Cash from financing activities
(23,332)
823,251
(6,301)
FCF
34,552
36,941
27,876
Balance
Cash
226,207
132,242
88,581
Long term investments
300,253
168,893
141,564
Excess cash
520,878
295,703
226,025
Stockholders' equity
396,718
374,645
361,098
Invested Capital
4,441,625
3,905,907
3,024,824
ROIC
1.07%
1.25%
1.07%
ROCE
1.23%
1.40%
1.13%
EV
Common stock shares outstanding
25,964
26,274
27,425
Price
20.93
102.03%
10.36
11.52%
9.29
-37.14%
Market cap
543,435
99.65%
272,196
6.83%
254,783
-20.75%
EV
131,630
99,100
148,415
EBITDA
62,314
60,646
38,802
EV/EBITDA
2.11
1.63
3.82
Interest
182,764
129,283
50,151
Interest/NOPBT
306.24%
219.63%
136.04%