VBNK VersaBank - Common Shares
NASDAQ · Banking · Lihat di SEC EDGAR ↗ tutup Okt 2, 2026 10-K/10-Q Des 10, 2025
$22,40
· % dari rentang 52 mgg
· di atas terendah
· ke tinggi
$11,25rendah 52m
$25,05tinggi 52m
Pendapatan
$125M
lencana Anda
Rentang 52M
$11–$25
Peringkat Analis
BUY
Target Harga
$26
P/E
·
ROE
6.1%
Margin Laba Bersih
22.8%
Strip lencana Anda kosong — sematkan metrik di mana saja di halaman ini.
VBNK Cuplikan Saham Harga, kapitalisasi pasar, P/E, EPS, ROE, utang/ekuitas, kisaran 52 minggu
Harga
$22.40
Pendapatan
$125M
ROE
6.1%
Rentang 52M
$11–$25
VBNK Grafik Harga Saham OHLCV harian dengan indikator teknis — geser, perbesar, dan sesuaikan tampilan Anda
rentang
batang
Granularitas batang menyesuaikan dengan periode yang dipilih — arahkan kursor ke bagan untuk melihat buka/tinggi/rendah/tutup untuk sebuah batang.
Kinerja 10 Tahun Tren Pendapatan, laba bersih, margin, dan EPS
Pendapatan$125M2020-10-31 → 2025-10-31
Arus Kas Bebas$43M2021-10-31 → 2025-10-31
Margin bersih22.8%2021-10-31 → 2025-10-31
Valuasi & Rasio
Valuasi Rasio P/E, P/S, P/B, EV/EBITDA — apakah sahamnya mahal atau murah?
Belum ada data untuk grup rasio ini
Data fundamental belum cukup untuk menghitung grup rasio ini.
Profitabilitas Margin kotor, operasional, dan bersih; ROE, ROA, ROIC
| Metrik | Tren 5 Tahun | VBNK | rata-rata 5T | Median Rekan | Kesimpulan |
|---|---|---|---|---|---|
| Pretax Margin (Margin Sebelum Pajak) | 33.3%rata-rata 5T ≈44.4% | ≈44.4% | · | · | |
| Net Profit Margin (Margin Laba Bersih) | 22.8%rata-rata 5T ≈31.8% | ≈31.8% | · | · | |
| ROA | 0.53%rata-rata 5T ≈0.87% | ≈0.87% | · | · | |
| ROE | 6.1%rata-rata 5T ≈8.4% | ≈8.4% | · | · |
Kesehatan Keuangan Utang, likuiditas, solvabilitas — kekuatan neraca
Belum ada data untuk grup rasio ini
Data fundamental belum cukup untuk menghitung grup rasio ini.
Pertumbuhan Pertumbuhan Pendapatan, EPS, dan Laba Bersih: YoY, CAGR 3T, CAGR 5T
Belum ada data untuk grup rasio ini
Data fundamental belum cukup untuk menghitung grup rasio ini.
Efisiensi Modal Perputaran aset, perputaran persediaan, perputaran piutang
| Metrik | Tren 5 Tahun | VBNK | rata-rata 5T | Median Rekan | Kesimpulan |
|---|---|---|---|---|---|
| Asset Turnover (Perputaran Aset) | 0.0rata-rata 5T ≈0.0 | ≈0.0 | · | · | |
| Revenue / Employee (Pendapatan Tahunan ÷ karyawan (jumlah karyawan, yfinance). Turunan — bukan konsep SEC-XBRL yang tersimpan.) | ≈$951.5K | · | · | · |
nilai · ≈ rata-rata 5T · median industri · penilaian relatif terhadap median
Dividen Yield, rasio pembayaran, riwayat dividen, CAGR 5 tahun
Rasio Pembayaran Dividen11.4%
Pembayaran Tahunan≈$0.07
| Tanggal ex-dividen | Jumlah | Mata Uang | Imbal Hasil |
|---|---|---|---|
| Jul 10, 2026 | $0,02 | USD | ≈0.25% |
| Apr 10, 2026 | $0,02 | USD | ≈0.32% |
| Okt 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% |
| Okt 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% |
| Okt 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% |
| Okt 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% |
Riwayat Pendapatan EPS aktual vs perkiraan, kejutan %, tingkat keberhasilan, tanggal pendapatan berikutnya
Kejutan Rata-rata
-23.8%
| Periode | Laporan | EPS Aktual | EPS Estimasi | Kejutan |
|---|---|---|---|---|
| 30 Sep. 2026 | $0.31 | $0.37 | -15.6% | |
| 30 Juni 2026 | $0.23 | $0.29 | -20.4% | |
| 31 Maret 2026 | $0.35 | $0.40 | -13.1% | |
| 31 Des. 2025 | $0.17 | $0.31 | -45.4% | |
| 30 Sep. 2025 | $0.20 | $0.32 | -37.8% | |
| 30 Juni 2025 | $0.26 | $0.29 | -10.6% |
Fundamental Lengkap Semua metrik per tahun — laporan laba rugi, neraca, arus kas
Laporan Laba Rugi
| Metrik | Tren | 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 |
Neraca
| Metrik | Tren | 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 |
Arus Kas
| Metrik | Tren | 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 |
Profitabilitas
| Metrik | Tren | 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% |
Efisiensi
| Metrik | Tren | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Valuasi (TTM)
| Metrik | Tren | 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 |
Valuasi (TTM)
| Metrik | Tren | Q4 2024 |
|---|---|---|
| Revenue TTM | $112M | |
| Net Income TTM | $40M | |
| Annual Payout | $4M |
Periode terbaru di sebelah kiri · nilai null ditampilkan sebagai ·
Laporan Keuangan Laporan laba rugi, neraca, arus kas — tahunan, 5 tahun terakhir
| Metrik | 2025-10-31 | 2024-10-31 | 2023-10-31 | 2022-10-31 | 2021-10-31 |
|---|---|---|---|---|---|
| Pendapatan | $125M | $112M | $109M | $82M | $65M |
| Laba Bersih | $28M | $40M | $42M | $23M | $22M |
Tidak ada data untuk laporan ini
Data fundamental belum cukup untuk membuat laporan ini.
| Metrik | 2025-10-31 | 2024-10-31 | 2023-10-31 | 2022-10-31 | 2021-10-31 |
|---|---|---|---|---|---|
| Arus Kas Bebas | $43M | $254M | $94M | $-33M | $-108M |
Pemilik institusional (13F) 52 pengaju · $234.2M total · Per tanggal 30 Juni 2026
Institusi yang melaporkan kepemilikan saham ini dalam SEC Form 13F triwulanan mereka. Hanya posisi panjang; satu pengaju dapat muncul dua kali untuk leg opsi terpisah. Kaki put/call offset yang besar biasanya mencerminkan pembuatan pasar atau inventaris yang dilindungi, bukan keyakinan arah.
Pemegang
52
Nilai yang dipegang
$234.2M
Posisi baru
13
Posisi yang keluar
3
Aktivitas institusional — Q2 2026 vs kuartal sebelumnya
| Posisi baru | Posisi yang keluar | Meningkat | Menurun | Perubahan bersih saham |
|---|---|---|---|---|
| 13 (+11 vs Kuartal sebelumnya) | 3 (-5 vs Kuartal sebelumnya) | 17 (0 vs Kuartal sebelumnya) | 13 (-4 vs Kuartal sebelumnya) | +165K |
Dibandingkan dengan Q1 2026. Pengajuan Formulir 13F SEC jatuh tempo dalam waktu 45 hari setelah akhir kuartal ditambah kelonggaran singkat untuk pengaju terlambat — kuartal yang masih dalam jangka waktu tersebut dilewati demi pasangan terakhir yang dilaporkan sepenuhnya.
| Institusi | Nilai | Saham | % dari 13F yang dilacak | Tipe |
|---|---|---|---|---|
| ALLIANCEBERNSTEIN L.P. | $41.509.924 | 2.929.423 | 17,72% | Saham |
| CIBC WORLD MARKET INC. | $26.781.075 | 1.151.992 | 11,43% | Saham |
| MENDON CAPITAL ADVISORS CORP | $18.126.569 | 780.981 | 7,74% | Saham |
| Pembroke Management, LTD | $17.636.583 | 759.870 | 7,53% | Saham |
| TCW GROUP INC | $16.736.197 | 721.077 | 7,15% | Saham |
| Connor, Clark & Lunn Investment Management Ltd. | $16.363.669 | 703.971 | 6,99% | Saham |
| Curi Capital, LLC | $15.782.800 | 680.000 | 6,74% | Saham |
| Pacific Ridge Capital Partners, LLC | $13.589.826 | 585.516 | 5,80% | Saham |
| TD Asset Management Inc | $11.476.441 | 493.400 | 4,90% | Saham |
| WELLINGTON MANAGEMENT GROUP LLP | $6.171.052 | 265.879 | 2,63% | Saham |
| KENNEDY CAPITAL MANAGEMENT LLC | $4.773.740 | 205.676 | 2,04% | Saham |
| Mudita Advisors LLP | $4.709.889 | 202.925 | 2,01% | Saham |
| TD Waterhouse Canada Inc. | $4.428.917 | 187.323 | 1,89% | Saham |
| Cox Capital Mgt LLC | $4.213.100 | 181.521 | 1,80% | Saham |
| RENAISSANCE TECHNOLOGIES LLC | $3.576.661 | 154.100 | 1,53% | Saham |
| NATIONAL BANK OF CANADA /FI/ | $3.463.450 | 149.794 | 1,48% | Saham |
| Rosenthal | Henry Capital Advisors, Inc. | $3.050.397 | 131.426 | 1,30% | Saham |
| MORGAN STANLEY | $2.947.484 | 126.992 | 1,26% | Saham |
| STIFEL FINANCIAL CORP | $2.175.618 | 93.736 | 0,93% | Saham |
| ROYAL BANK OF CANADA | $1.941.000 | 83.623 | 0,83% | Saham |
| JANE STREET GROUP, LLC | $1.826.883 | 78.711 | 0,78% | Saham |
| BRASADA CAPITAL MANAGEMENT, LP | $1.605.877 | 69.189 | 0,69% | Saham |
| LPL Financial LLC | $1.480.728 | 63.797 | 0,63% | Saham |
| CORSAIR CAPITAL MANAGEMENT, L.P. | $1.384.917 | 59.669 | 0,59% | Saham |
| DIMENSIONAL FUND ADVISORS LP | $1.177.543 | 50.912 | 0,50% | Saham |
| BANK OF AMERICA CORP /DE/ | $1.132.648 | 48.800 | 0,48% | Saham |
| MILLENNIUM MANAGEMENT LLC | $941.887 | 40.555 | 0,40% | Saham |
| TWO SIGMA INVESTMENTS, LP | $839.923 | 36.188 | 0,36% | Saham |
| GEODE CAPITAL MANAGEMENT, LLC | $543.206 | 23.404 | 0,23% | Saham |
| XTX Topco Ltd | $511.618 | 22.043 | 0,22% | Saham |
| BANK OF MONTREAL /CAN/ | $403.344 | 17.352 | 0,17% | Saham |
| SEI INVESTMENTS CO | $392.110 | 16.894 | 0,17% | Saham |
| GOLDMAN SACHS GROUP INC | $384.706 | 16.575 | 0,16% | Saham |
| UBS Group AG | $310.225 | 13.366 | 0,13% | Saham |
| CONSULTIVA WEALTH MANAGEMENT, CORP. | $301.730 | 13.000 | 0,13% | Saham |
| CONNORS INVESTOR SERVICES INC | $291.402 | 12.555 | 0,12% | Saham |
| BlackRock, Inc. | $274.018 | 11.806 | 0,12% | Saham |
| FIRST TRUST ADVISORS LP | $263.178 | 11.339 | 0,11% | Saham |
| K2 PRINCIPAL FUND, L.P. | $238.599 | 10.280 | 0,10% | Saham |
| MERCER GLOBAL ADVISORS INC /ADV | $208.890 | 9.000 | 0,09% | Saham |
| Federation des caisses Desjardins du Quebec | $59.489 | 2.577 | 0,03% | Saham |
| Guardian Partners Inc. | $53.033 | 2.280 | 0,02% | Saham |
| BARCLAYS PLC | $50.830 | 2.190 | 0,02% | Saham |
| Financial Management Professionals, Inc. | $24.138 | 1.040 | 0,01% | Saham |
| SIMPLEX TRADING, LLC | $23.140 | 997 | 0,01% | Saham |
| FIDUCIARY FINANCIAL ADVISORS | $12.394 | 534 | 0,01% | Saham |
| CSM Advisors, LLC | $8.374 | 360.736 | 0,00% | Saham |
| FLAGSHIP WEALTH ADVISORS, LLC | $6.979 | 300 | 0,00% | Saham |
| ACADIAN ASSET MANAGEMENT LLC | $1.046 | 45.185 | 0,00% | Saham |
| HRT FINANCIAL LP | $713 | 30.726 | 0,00% | Saham |
Aktivis & pemilik 5%+ 1 saham
Investor yang mengajukan Jadwal 13D SEC — kepemilikan manfaat di atas 5% dengan niat untuk memengaruhi penerbit (kepemilikan aktivis, kampanye dewan, M&A). Setiap baris menunjukkan status terbaru yang diketahui dari posisi pengaju tersebut.
| Pengaju | Diajukan | Kepemilikan | Status | Tujuan | Pengajuan |
|---|---|---|---|---|---|
| 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 | 31 Agu 2022 | · | Pengajuan awal | Investasi pasif | 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.
Kepemilikan ETF Dimiliki oleh 5 ETF
Bobot mencerminkan kepemilikan ekuitas langsung (N-PORT) saja; dana berbasis leverage atau derivatif mungkin memiliki eksposur swap tambahan yang tidak ditampilkan.
| Dana | Bobot | Unit | Per tanggal | Sumber |
|---|---|---|---|---|
| DFIS · Dimensional ETF Trust | 0,00% | 8.772 NS | 31 Juli 2026 | N-PORT |
| DFAX · Dimensional ETF Trust | 0,00% | 7.028 NS | 31 Juli 2026 | N-PORT |
| DFIC · Dimensional ETF Trust | 0,00% | 6.008 NS | 31 Juli 2026 | N-PORT |
| DFAI · Dimensional ETF Trust | 0,00% | 16 NS | 31 Juli 2026 | N-PORT |
| DISV · Dimensional ETF Trust | 0,00% | 92 NS | 31 Juli 2026 | N-PORT |
VBNK Konsensus Analis Opini analis bullish dan bearish, target harga 12 bulan, potensi kenaikan
peringkat · 8 analis
BELI
Target median
$25.50
+13,8%
2 25,0%
Beli Kuat
5 62,5%
Beli
1 12,5%
Tahan
0 0,0%
Jual
0 0,0%
Jual Kuat
Target Harga 12 Bulan
2 analis · 2026-09-29Target rata-rata $25.50 +13,8%
← Di bawah semua target
Harga saat ini $22.40
Rendah$23.00
Rata-rata$25.50
Tinggi$28.00
Sinyal Perdagangan Sinyal beli/jual terbaru dengan harga masuk dan rasio risiko/imbalan
Tidak ada sinyal terbuka saat ini — tidak ada kartu yang terisi, dan itu jujur.
Metrik Saya Daftar pantauan pribadi Anda — baris yang dipilih dari Fundamental Lengkap
Pilih metrik yang penting bagi Anda — klik + di sebelah baris mana pun di Fundamental Lengkap di atas.
Pilihan Anda disimpan dan mengikuti Anda di semua ticker.
Sumber: SEC 40-F diajukan Des 10, 2025