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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#2176
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$0
David R. Taylor
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. It also provides lending services, including point of sale financing that involves purchasing loan and lease receivables from finance companies.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = VBNK ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$VBNK VersaBank | 49 | 32 | 35 | 83 | - | 1.0x | 21.4% | 2.0% | 100.0% | 0.0% | 30.3% | - | - | 0.0x | $0 | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
VersaBank (VBNK) receives a "Reduce" rating with a composite score of 48.9/100. It ranks #2176 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Outperforming peers — winners tend to keep winning over 3-12 months
Expensive relative to fundamentals — limited margin of safety
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
No analyst ratings for VBNK.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 32 | 50 | -18DRAG |
| MOMENTUM | 83 | 91 | -8DRAG |
| VALUATION | 35 | 33 | +2NEUTRAL |
| INVESTMENT | 44 | 84 | -40DRAG |
| STABILITY | 36 | 29 | +7ALPHA |
| SHORT INT | 33 | 24 | +9ALPHA |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROE proxy 21.4% (sector 9.0%)
GM 100% vs sector 78%, OM 0% vs sector 18%
Capital turnover N/A
Rev growth N/A, 4yr history
Interest coverage 0.0x, Net debt/EBITDA -13.8x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate VersaBank (VBNK) as a Reduce with a composite score of 48.9/100 at a current price of $16.46. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
VersaBank holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 48.9/100 places it at rank #2176 in our full universe.
Narrow
Medium
Exemplary
Fair Value
Gross margins of 100% signal strong pricing power.
Returns on equity of 21.4% exceed cost of capital.
Positive momentum indicates institutional accumulation.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
VersaBank represents a reduce based on multi-factor quantitative performance.
VersaBank receives a Reduce rating from our analysis, with a composite score of 48.9/100 and 2 out of 5 stars, ranking #2176 out of 7,333 stocks. VBNK's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
VBNK's quality score of 32/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 21.4% (sector avg: 9.0%), gross margins of 100.0% (sector avg: 77.7%), net margins of 30.3% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 35/100, VBNK appears somewhat expensive relative to its fundamentals. Key valuation metrics include an EV/EBITDA of 0.99x, a P/B ratio of 1.41x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
With an investment score of 44/100, VBNK exhibits moderate growth-oriented spending. Key growth metrics include a return on assets of 2.0% (sector: 1.3%). The company appears to be balancing growth investments with capital returns, though the pace of investment may not be enough to accelerate top-line growth meaningfully.
VBNK shows strong momentum characteristics with a score of 83/100. The stock has been trending above key moving averages, indicating solid demand from institutional buyers. Revenue growth data is not currently available, while a beta of 0.94 reflects its sensitivity to broader market moves. This level of momentum typically signals sustained investor confidence and favorable near-term price action.
VBNK's stability score of 36/100 signals elevated volatility and/or leverage concerns. Key stability metrics include a beta of 0.94 and a debt-to-equity ratio of 0.00x (sector avg: 0.5x). Investors should be prepared for wider-than-average price swings and consider position sizing accordingly to manage portfolio risk.
VersaBank's short interest score of 33/100 reveals significant bearish positioning, suggesting institutional investors are actively betting against the stock. Specific risk factors include micro-cap liquidity risk. At $0 (micro-cap), VBNK carries meaningful risk and is best suited for investors with high risk tolerance who have thoroughly evaluated the bear thesis.
VersaBank is a micro-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #2176 of 7,333 overall (70th percentile). Key comparisons include ROE of 21.4% exceeding the 9.0% sector median and operating margins of 0.0% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While VBNK currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
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Improvement in Quality (32) would have the largest impact on the composite score.
EV/EBITDA 87% BELOW SECTOR MEDIAN (FAVORABLE)
ROE 137% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 29% ABOVE SECTOR MEDIAN (FAVORABLE)
VersaBank (VBNK) gets the Fed's approval to acquire Stearns Bank Holdingford. The deal will enable the company to broadly introduce its Receivable Purchase Program (RPP) in the United States.
VersaBank ("VersaBank" or the "Bank") (TSX: VBNK) (NASDAQ: VBNK) will report its first quarter 2026 financial results and host a conference call to discuss those results on Wednesday, March 4, 2026. The conference call/webcast is scheduled for 9:00 a.m. ET and is expected to last approximately 60 minutes. The conference call/webcast will include a presentation by David Taylor, President and Nicolas Ospina, Global CFO, followed by a question and answer period. The Bank will report its financial r
VersaBank (NASDAQ:VBNK) outlined its approach to digital assets and tokenized banking services during a presentation at OTC Markets’ Virtual Investor Conferences Digital Asset Conference, emphasizing that the company views blockchain-based products as an extension of its long-running, fully digital
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Above 50MA
37.18%
Net New Highs
+51081