VBNK VersaBank - Common Shares
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Dec 10, 2025
$22.40
· of 52w range
· above low
· to high
$11.2552w low
$25.0552w high
Revenue
$125M
your badges
52W Range
$11–$25
Analyst Rating
BUY
Price Target
$26
P/E
·
ROE
6.1%
Net Profit Margin
22.8%
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VBNK Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$22.40
Revenue
$125M
ROE
6.1%
52W Range
$11–$25
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue$125M2020-10-31 → 2025-10-31
Free Cash Flow$43M2021-10-31 → 2025-10-31
Net margin22.8%2021-10-31 → 2025-10-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | VBNK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | 33.3%5Y avg ≈44.4% | ≈44.4% | · | · | |
| Net Profit Margin | 22.8%5Y avg ≈31.8% | ≈31.8% | · | · | |
| ROA | 0.53%5Y avg ≈0.87% | ≈0.87% | · | · | |
| ROE | 6.1%5Y avg ≈8.4% | ≈8.4% | · | · |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | VBNK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | · | · | |
| Revenue / Employee | ≈$951.5K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Payout Ratio11.4%
Annualized Payout≈$0.07
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Jul 10, 2026 | $0.02 | USD | ≈0.25% |
| Apr 10, 2026 | $0.02 | USD | ≈0.32% |
| Oct 10, 2025 | $0.02 | USD | ≈0.59% |
| Jul 7, 2025 | $0.02 | USD | ≈0.61% |
| Apr 4, 2025 | $0.02 | USD | ≈0.77% |
| Jan 10, 2025 | $0.02 | USD | ≈0.53% |
| Oct 4, 2024 | $0.02 | USD | ≈0.55% |
| Jul 5, 2024 | $0.02 | USD | ≈0.68% |
| Apr 4, 2024 | $0.02 | USD | ≈0.72% |
| Jan 4, 2024 | $0.02 | USD | ≈0.67% |
| Oct 5, 2023 | $0.02 | USD | ≈0.98% |
| Jul 6, 2023 | $0.02 | USD | ≈1.0% |
| Apr 5, 2023 | $0.02 | USD | ≈1.0% |
| Jan 5, 2023 | $0.02 | USD | ≈1.0% |
| Oct 6, 2022 | $0.02 | USD | ≈1.1% |
| Jul 7, 2022 | $0.02 | USD | ≈1.1% |
| Apr 7, 2022 | $0.02 | USD | ≈0.51% |
| Jan 6, 2022 | $0.02 | USD | ≈0.33% |
| Sep 29, 2021 | $0.02 | USD | ≈0.18% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-23.8%
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| Sept. 30, 2026 | $0.31 | $0.37 | -15.6% | |
| June 30, 2026 | $0.23 | $0.29 | -20.4% | |
| March 31, 2026 | $0.35 | $0.40 | -13.1% | |
| Dec. 31, 2025 | $0.17 | $0.31 | -45.4% | |
| Sept. 30, 2025 | $0.20 | $0.32 | -37.8% | |
| June 30, 2025 | $0.26 | $0.29 | -10.6% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Revenue | $125M | $112M | $109M | $82M | $65M | |
| SG&A Expense | $34M | $19M | $15M | $19M | $11M | |
| Interest Expense | $180M | $183M | $129M | $50M | $29M | |
| Interest Income | $296M | $285M | $229M | $127M | $89M | |
| Pretax Income | $41M | $55M | $58M | $33M | $31M | |
| Income Tax | $13M | $15M | $15M | $10M | $8M | |
| Net Income | $28M | $40M | $42M | $23M | $22M | |
| EPS (Basic) | $0.90 | $1.49 | $1.57 | $0.79 | $0.96 | |
| Shares (Basic) | 31,506,701 | 25,965,724 | 26,273,739 | 27,425,479 | 21,752,930 |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $582M | $225M | $132M | $89M | $272M | |
| PP&E (Net) | $24M | $24M | $7M | $7M | $7M | |
| Goodwill | $12M | $12M | $6M | $6M | $6M | |
| Intangibles | $11M | $12M | $3M | $3M | $4M | |
| Total Assets | $5.81B | $4.84B | $4.20B | $3.27B | $2.42B | |
| Total Liabilities | $5.28B | $4.44B | $3.82B | $2.92B | $2.08B | |
| Retained Earnings | $204M | $181M | $146M | $109M | $91M | |
| Stockholders' Equity | $533M | $399M | $377M | $351M | $332M |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $44M | $273M | $95M | $-33M | $-108M | |
| CapEx | $954.0K | $19M | $362.0K | $581.0K | $14.0K | |
| Investing Cash Flow | $212M | $-158M | $-28M | $-142M | $-8M | |
| Dividends Paid | $3M | $4M | $4M | $4M | $4M | |
| Financing Cash Flow | $102M | $-23M | $-17M | $-6M | $131M | |
| Free Cash Flow | $43M | $254M | $94M | $-33M | $-108M | |
| Levered FCF | $-80M | $122M | $-203.6K | $-68M | $-130M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Net Margin | 22.8% | 35.6% | 38.8% | 27.5% | 34.2% | |
| Pretax Margin | 33.3% | 49.1% | 53.1% | 39.5% | 47.1% | |
| ROA | 0.53% | 0.88% | 1.1% | 0.80% | 1.0% | |
| ROE | 6.1% | 10.2% | 11.6% | 6.6% | 7.6% |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Revenue TTM | $125M | $112M | $109M | $82M | $65M | |
| Net Income TTM | $28M | $40M | $42M | $23M | $22M | |
| Payout Ratio | 11.4% | 9.0% | 8.5% | 16.5% | 17.2% | |
| Annual Payout | $3M | $4M | $4M | $4M | $4M |
Valuation (TTM)
| Metric | Trend | Q4 2024 |
|---|---|---|
| Revenue TTM | $112M | |
| Net Income TTM | $40M | |
| Annual Payout | $4M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-10-31 | 2024-10-31 | 2023-10-31 | 2022-10-31 | 2021-10-31 |
|---|---|---|---|---|---|
| Revenue | $125M | $112M | $109M | $82M | $65M |
| Net Income | $28M | $40M | $42M | $23M | $22M |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-10-31 | 2024-10-31 | 2023-10-31 | 2022-10-31 | 2021-10-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $43M | $254M | $94M | $-33M | $-108M |
Institutional owners (13F) 52 filers · $234.2M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
52
Value held
$234.2M
New positions
13
Exited positions
3
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 13 (+11 vs prior Q) | 3 (-5 vs prior Q) | 17 (0 vs prior Q) | 13 (-4 vs prior Q) | +165K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| ALLIANCEBERNSTEIN L.P. | $41,509,924 | 2,929,423 | 17.72% | Shares |
| CIBC WORLD MARKET INC. | $26,781,075 | 1,151,992 | 11.43% | Shares |
| MENDON CAPITAL ADVISORS CORP | $18,126,569 | 780,981 | 7.74% | Shares |
| Pembroke Management, LTD | $17,636,583 | 759,870 | 7.53% | Shares |
| TCW GROUP INC | $16,736,197 | 721,077 | 7.15% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $16,363,669 | 703,971 | 6.99% | Shares |
| Curi Capital, LLC | $15,782,800 | 680,000 | 6.74% | Shares |
| Pacific Ridge Capital Partners, LLC | $13,589,826 | 585,516 | 5.80% | Shares |
| TD Asset Management Inc | $11,476,441 | 493,400 | 4.90% | Shares |
| WELLINGTON MANAGEMENT GROUP LLP | $6,171,052 | 265,879 | 2.63% | Shares |
| KENNEDY CAPITAL MANAGEMENT LLC | $4,773,740 | 205,676 | 2.04% | Shares |
| Mudita Advisors LLP | $4,709,889 | 202,925 | 2.01% | Shares |
| TD Waterhouse Canada Inc. | $4,428,917 | 187,323 | 1.89% | Shares |
| Cox Capital Mgt LLC | $4,213,100 | 181,521 | 1.80% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $3,576,661 | 154,100 | 1.53% | Shares |
| NATIONAL BANK OF CANADA /FI/ | $3,463,450 | 149,794 | 1.48% | Shares |
| Rosenthal | Henry Capital Advisors, Inc. | $3,050,397 | 131,426 | 1.30% | Shares |
| MORGAN STANLEY | $2,947,484 | 126,992 | 1.26% | Shares |
| STIFEL FINANCIAL CORP | $2,175,618 | 93,736 | 0.93% | Shares |
| ROYAL BANK OF CANADA | $1,941,000 | 83,623 | 0.83% | Shares |
| JANE STREET GROUP, LLC | $1,826,883 | 78,711 | 0.78% | Shares |
| BRASADA CAPITAL MANAGEMENT, LP | $1,605,877 | 69,189 | 0.69% | Shares |
| LPL Financial LLC | $1,480,728 | 63,797 | 0.63% | Shares |
| CORSAIR CAPITAL MANAGEMENT, L.P. | $1,384,917 | 59,669 | 0.59% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $1,177,543 | 50,912 | 0.50% | Shares |
| BANK OF AMERICA CORP /DE/ | $1,132,648 | 48,800 | 0.48% | Shares |
| MILLENNIUM MANAGEMENT LLC | $941,887 | 40,555 | 0.40% | Shares |
| TWO SIGMA INVESTMENTS, LP | $839,923 | 36,188 | 0.36% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $543,206 | 23,404 | 0.23% | Shares |
| XTX Topco Ltd | $511,618 | 22,043 | 0.22% | Shares |
| BANK OF MONTREAL /CAN/ | $403,344 | 17,352 | 0.17% | Shares |
| SEI INVESTMENTS CO | $392,110 | 16,894 | 0.17% | Shares |
| GOLDMAN SACHS GROUP INC | $384,706 | 16,575 | 0.16% | Shares |
| UBS Group AG | $310,225 | 13,366 | 0.13% | Shares |
| CONSULTIVA WEALTH MANAGEMENT, CORP. | $301,730 | 13,000 | 0.13% | Shares |
| CONNORS INVESTOR SERVICES INC | $291,402 | 12,555 | 0.12% | Shares |
| BlackRock, Inc. | $274,018 | 11,806 | 0.12% | Shares |
| FIRST TRUST ADVISORS LP | $263,178 | 11,339 | 0.11% | Shares |
| K2 PRINCIPAL FUND, L.P. | $238,599 | 10,280 | 0.10% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $208,890 | 9,000 | 0.09% | Shares |
| Federation des caisses Desjardins du Quebec | $59,489 | 2,577 | 0.03% | Shares |
| Guardian Partners Inc. | $53,033 | 2,280 | 0.02% | Shares |
| BARCLAYS PLC | $50,830 | 2,190 | 0.02% | Shares |
| Financial Management Professionals, Inc. | $24,138 | 1,040 | 0.01% | Shares |
| SIMPLEX TRADING, LLC | $23,140 | 997 | 0.01% | Shares |
| FIDUCIARY FINANCIAL ADVISORS | $12,394 | 534 | 0.01% | Shares |
| CSM Advisors, LLC | $8,374 | 360,736 | 0.00% | Shares |
| FLAGSHIP WEALTH ADVISORS, LLC | $6,979 | 300 | 0.00% | Shares |
| ACADIAN ASSET MANAGEMENT LLC | $1,046 | 45,185 | 0.00% | Shares |
| HRT FINANCIAL LP | $713 | 30,726 | 0.00% | Shares |
Activists & 5%+ owners 1 position
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Patriot Financial Partners IV, L.P., Patriot Financial Partners GP IV, L.P., Patriot Financial Partners GP IV, LLC, W. Kirk Wycoff, James J. Lynch, James F. Deutsch | Aug. 31, 2022 | · | Initial filing | Passive investment | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
ETF ownership Held by 5 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| DFIS · Dimensional ETF Trust | 0.00% | 8,772 NS | July 31, 2026 | N-PORT |
| DFAX · Dimensional ETF Trust | 0.00% | 7,028 NS | July 31, 2026 | N-PORT |
| DFIC · Dimensional ETF Trust | 0.00% | 6,008 NS | July 31, 2026 | N-PORT |
| DFAI · Dimensional ETF Trust | 0.00% | 16 NS | July 31, 2026 | N-PORT |
| DISV · Dimensional ETF Trust | 0.00% | 92 NS | July 31, 2026 | N-PORT |
VBNK Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 8 analysts
BUY
Median target
$25.50
+13.8%
2 25.0%
Strong Buy
5 62.5%
Buy
1 12.5%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
2 analysts · 2026-09-29Mean target $25.50 +13.8%
← Below all targets
Current price $22.40
Low$23.00
Mean$25.50
High$28.00
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
No open signal right now — no card is filled, and that's honest.
My Metrics Your personal watchlist — selected rows from Full Fundamentals
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Source: SEC 40-F filed Dec 10, 2025