VBNK

Company Overview — What Does VersaBank Do?

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. VersaBank (VBNK) is classified as a small-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO David R. Taylor and employs approximately 100 people. With a market capitalization of $487M, VBNK is one of the notable companies in the Financials sector.

VersaBank (VBNK) Stock Rating — Hold (April 2026)

As of April 2026, VersaBank receives a Hold rating with a composite score of 52.2/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.VBNK ranks #293 out of 4,446 stocks in our coverage universe. Within the Financials sector, VersaBank ranks #167 of 892 stocks, placing it in the top quartile of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

VBNK Stock Price and 52-Week Range

VersaBank (VBNK) currently trades at $17.05. The stock gained $0.25 (1.5%) in the most recent trading session. The 52-week high for VBNK is $17.47, which means the stock is currently trading -2.4% from its annual peak. The 52-week low is $8.51, putting the stock 100.3% above its annual trough. Recent trading volume was 27K shares, suggesting relatively thin trading activity.

Is VBNK Overvalued or Undervalued? — Valuation Analysis

VersaBank (VBNK) carries a value factor score of 52/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The price-to-book ratio stands at 1.42x, versus the sector average of 1.26x. The price-to-sales ratio is 2.01x, compared to 0.93x for the average Financials stock. On an enterprise value basis, VBNK trades at 1.03x EV/EBITDA, versus 3.37x for the sector.

Overall, VBNK's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

VersaBank Profitability — ROE, Margins, and Quality Score

VersaBank (VBNK) earns a quality factor score of 45/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 21.4%, compared to the Financials sector average of 8.5%, which demonstrates strong shareholder value creation. Return on assets (ROA) comes in at 2.0% versus the sector average of 1.2%.

On a margin basis, VersaBank reports gross margins of 100.0%. The operating margin is 0.0% (sector: 21.9%). Net profit margin stands at 30.3%, versus 17.7% for the average Financials stock. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

VBNK Debt, Balance Sheet, and Financial Health

VersaBank has a debt-to-equity ratio of 0.0%, compared to the Financials sector average of 121.0%. The low leverage indicates a conservative balance sheet with significant financial flexibility. Total debt on the balance sheet is $0. Cash and equivalents stand at $415M.

VBNK has a beta of 0.99, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for VersaBank is 59/100, reflecting average volatility within the normal range for its sector.

VersaBank Revenue and Earnings History — Quarterly Trend

In TTM 2026, VersaBank reported revenue of $67M. Net income for the quarter was $20M. Gross margin was 100.0%. Operating income came in at $0.

In FY 2025, VersaBank reported revenue of $67M. Net income for the quarter was $20M. Gross margin was 100.0%. Revenue grew 13.9% year-over-year compared to FY 2024. Operating income came in at $0.

In FY 2024, VersaBank reported revenue of $59M. Net income for the quarter was $29M. Gross margin was 100.0%. Revenue grew -5.4% year-over-year compared to FY 2023. Operating income came in at $0.

In FY 2023, VersaBank reported revenue of $62M. Net income for the quarter was $30M. Gross margin was 100.0%. Revenue grew 7.8% year-over-year compared to FY 2022. Operating income came in at $0.

Over the past 6 quarters, VersaBank has demonstrated a growth trajectory, with revenue expanding from $39M to $67M. Investors analyzing VBNK stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

VBNK Dividend Yield and Income Analysis

VersaBank (VBNK) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

VBNK Momentum and Technical Analysis Profile

VersaBank (VBNK) has a momentum factor score of 74/100, indicating strong price momentum with the stock outperforming the majority of the market over recent periods. Stocks with high momentum scores have historically tended to continue their outperformance in the near term. The investment factor score is 44/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 22/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

VBNK vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, VersaBank (VBNK) ranks #167 out of 892 stocks based on the Blank Capital composite score. This places VBNK in the top quartile of all Financials stocks in our coverage universe. Key competitors and sector peers include OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.7/100, PARKE BANCORP, INC. (PKBK) with a score of 60.6/100, Orange County Bancorp, Inc. /DE/ (OBT) with a score of 59.3/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, and MANULIFE FINANCIAL CORP (MFC) with a score of 64.7/100.

Comparing VBNK against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full VBNK vs S&P 500 (SPY) comparison to assess how VersaBank stacks up against the broader market across all factor dimensions.

VBNK Next Earnings Date

No upcoming earnings date has been announced for VersaBank (VBNK) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy VBNK? — Investment Thesis Summary

VersaBank presents a balanced picture with arguments on both sides. Price momentum is positive at 74/100, suggesting the trend favors buyers.

In summary, VersaBank (VBNK) earns a Hold rating with a composite score of 52.2/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on VBNK stock.

Related Resources for VBNK Investors

Explore more research and tools: VBNK vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare VBNK head-to-head with peers: VBNK vs OPY, VBNK vs PKBK, VBNK vs OBT.