/VBNK
VBNK Stock - VersaBank
Financial Services|Banks - RegionalNASDAQ
$15.07+1.55%
+$0.23 (+1.55%) • Dec 19
56
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.93
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).23
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.76
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+-13.7%upside
Target: $13.01
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ENTRY ZONE$14.92 – $15.22
TARGET (TP)$13.00
STOP LOSS$13.86
RISK/REWARD1:-1.7
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta1.09
52W High$15.24
52W Low$8.51
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $120.23M | $111.63M | $237.92M | $132.54M | $94.69M |
| Gross Profit | $120.23M | $111.63M | $108.03M | $81.94M | $65.80M |
| Gross Margin | 100.0% | 100.0% | 45.4% | 61.8% | 69.5% |
| Operating Income | $41.49M | $54.79M | $57.65M | $32.55M | $30.79M |
| Net Income | $28.46M | $39.75M | $42.16M | $22.66M | $22.38M |
| Net Margin | 23.7% | 35.6% | 17.7% | 17.1% | 23.6% |
| EPS | $0.90 | $1.49 | $1.53 | $0.79 | $0.96 |
Company Overview
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.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
4
80%
Hold / Neutral
1
20%
Sell / Underperform
0%
Analyst Consensus🟢 Bullish
4 Bullish1 Neutral/Bearish
Price Targets
$12
Average Target
↓ 17.3% Downside
Now
$9
Low
$12
Average
$18
High
Based on 3 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| March 6th 2025 | ROTH MKM | Downgrade | Neutral | $10.4← $22 |
| September 27th 2024 | ROTH MKM | Initiation | Buy | $18 |
| August 28th 2024 | Keefe Bruyette | Initiation | Outperform | - |
| December 19th 2022 | Raymond James | Resumed | Outperform | $9 |
| November 29th 2022 | Keefe Bruyette | Initiation | Outperform | - |
Earnings History & Surprises
VBNKBeat Rate
37%
Last 19 quarters
Avg Surprise
-1.4%
EPS vs Estimate
Beats / Misses
7/11
1 met exactly
Latest EPS
$0.24
Q4 2025
EPS Surprise History
Q1 24
+5.1%
$0.36vs$0.34
Q2 24
-2.2%
$0.33vs$0.33
Q3 24
-21.6%
$0.26vs$0.33
Q4 24
+42.3%
$0.28vs$0.20
Q1 25
-31.0%
$0.20vs$0.29
Q2 25
-14.3%
$0.18vs$0.21
Q3 25
+10.0%
$0.22vs$0.20
Q4 25
0.0%
$0.24vs$0.24
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q1 2026 | Mar 4, 2026 | $0.27 | — | — | — |
Q4 2025 | Dec 10, 2025 | $0.24 | $0.24 | 0.0% | = MET |
Q3 2025 | Sep 4, 2025 | $0.20 | $0.22 | +10.0% | ✓ BEAT |
Q2 2025 | Jun 4, 2025 | $0.21 | $0.18 | -14.3% | ✗ MISS |
Q1 2025 | Mar 5, 2025 | $0.29 | $0.20 | -31.0% | ✗ MISS |
Q4 2024 | Dec 9, 2024 | $0.20 | $0.28 | +42.3% | ✓ BEAT |
Q3 2024 | Sep 5, 2024 | $0.33 | $0.26 | -21.6% | ✗ MISS |
Q2 2024 | Jun 5, 2024 | $0.33 | $0.33 | -2.2% | ✗ MISS |
Q1 2024 | Mar 6, 2024 | $0.34 | $0.36 | +5.1% | ✓ BEAT |
Q4 2023 | Dec 13, 2023 | $0.30 | $0.34 | +12.8% | ✓ BEAT |
Q3 2023 | Aug 30, 2023 | $0.31 | $0.29 | -5.8% | ✗ MISS |
Q2 2023 | Jun 7, 2023 | $0.26 | $0.28 | +8.6% | ✓ BEAT |
Q1 2023 | Mar 8, 2023 | $0.20 | $0.26 | +25.9% | ✓ BEAT |
Q4 2022 | Dec 7, 2022 | $0.25 | $0.17 | -32.0% | ✗ MISS |
Q3 2022 | Aug 31, 2022 | $0.17 | $0.16 | -9.1% | ✗ MISS |
Q2 2022 | Jun 1, 2022 | $0.17 | $0.13 | -20.9% | ✗ MISS |
Q1 2022 | Mar 2, 2022 | $0.23 | $0.19 | -17.4% | ✗ MISS |
Q4 2021 | Dec 1, 2021 | $0.20 | $0.19 | -7.7% | ✗ MISS |
Q3 2021 | Sep 1, 2021 | $0.26 | $0.35 | +34.6% | ✓ BEAT |
Q2 2021 | May 27, 2021 | $0.22 | $0.21 | -3.9% | ✗ MISS |
Latest News
Roth Capital Maintains Neutral on VersaBank, Raises Price Target to $13
➖ NeutralBenzinga•Dec 11, 2025, 05:15 PM
VersaBank Q4 Adj. EPS $0.33 Beats $0.30 Estimate, Sales $35.092M Beat $30.025M Estimate
📈 PositiveBenzinga•Dec 10, 2025, 01:11 PM
VersaBank Q4 Adj. EPS $0.24 Beats $0.23 Estimate, Sales $25.488M Beat $24.270M Estimate
📈 PositiveBenzinga•Dec 10, 2025, 12:03 PM
VersaBank Q3 Adj. EPS $0.22 Beats $0.20 Estimate, Sales $22.987M Miss $23.120M Estimate
➖ NeutralBenzinga•Sep 4, 2025, 11:02 AM
Frequently Asked Questions about VBNK
What is VBNK's current stock price?
VersaBank (VBNK) is currently trading at $15.07 per share. The stock has moved +1.55% today.
What is the analyst price target for VBNK?
The average analyst price target for VBNK is $13.00, based on 1 analyst.
What sector is VersaBank in?
VersaBank operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the NASDAQ exchange.
What is VBNK's market cap?
VersaBank has a market capitalization of $0.48 billion, making it a small-cap company.
Does VBNK pay dividends?
No, VersaBank does not currently pay a dividend to shareholders.
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