/VBNK.TO

VBNK.TO Stock - VersaBank

Q: What is the analyst price target for VBNK.TO?

Analyst price target information is not currently available for VBNK.TO.

Q: What is VBNK.TO's market cap?

Market capitalization information is not currently available for VBNK.TO.

Financial Services|Banks - Regional|TSX

$21.20+1.34%

+$0.28 (+1.34%) • Dec 22

GoAI Score

Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.

BUY

Medium Confidence

Momentum

Momentum Score

Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.

Sentiment

Sentiment Score

Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).

Risk Score

Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.

Price Target

Average analyst price target from the last quarter. Shows expected upside/downside from current price.

+10.0%upside

Target: $23.32

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Financial Statements

Revenue & Profitability Trend

FY2021

FY2022

FY2023

FY2024

FY2025

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Revenue

Net Income (Profit)

Net Loss

Key Metrics

Market CapN/A

P/E RatioN/A

Beta1.09

52W High$21.20

52W Low$12.18

Avg VolumeN/A

Income Statement (Fiscal Year)

Metric	FY2025	FY2024	FY2023	FY2022	FY2021
Revenue	$304.15M	$294.40M	$237.92M	$132.54M	$94.69M
Gross Profit	$120.23M	$111.63M	$108.03M	$81.94M	$65.80M
Gross Margin	39.5%	37.9%	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	9.4%	13.5%	17.7%	17.1%	23.6%
EPS	$0.90	$1.49	$1.57	$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.

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Earnings History & Surprises

VBNK.TO

Beat Rate

21%

Last 19 quarters

Avg Surprise

-12.1%

EPS vs Estimate

Beats / Misses

4/14

1 met exactly

Latest EPS

$0.16

Q4 2025

EPS Surprise History

Q1 24

+4.3%

$0.48vs$0.46

Q2 24

0.0%

$0.45vs$0.45

Q3 24

-23.4%

$0.36vs$0.47

Q4 24

-52.4%

$0.20vs$0.42

Q1 25

-28.2%

$0.28vs$0.39

Q2 25

-7.1%

$0.26vs$0.28

Q3 25

-40.2%

$0.20vs$0.34

Q4 25

-54.8%

$0.16vs$0.36

Beat Estimate

Missed Estimate

Quarterly EPS Details

Period	Report Date	Estimated EPS	Actual EPS	Surprise	Result
Q1 2026	Mar 4, 2026	$0.35	—	—	—
Q4 2025	Dec 10, 2025	$0.36	$0.16	-54.8%	✗ MISS
Q3 2025	Sep 4, 2025	$0.34	$0.20	-40.2%	✗ MISS
Q2 2025	Jun 3, 2025	$0.28	$0.26	-7.1%	✗ MISS
Q1 2025	Mar 4, 2025	$0.39	$0.28	-28.2%	✗ MISS
Q4 2024	Dec 11, 2024	$0.42	$0.20	-52.4%	✗ MISS
Q3 2024	Sep 5, 2024	$0.47	$0.36	-23.4%	✗ MISS
Q2 2024	Jun 5, 2024	$0.45	$0.45	0.0%	= MET
Q1 2024	Mar 6, 2024	$0.46	$0.48	+4.3%	✓ BEAT
Q4 2023	Dec 13, 2023	$0.42	$0.47	+11.9%	✓ BEAT
Q3 2023	Aug 30, 2023	$0.40	$0.38	-5.0%	✗ MISS
Q2 2023	Jun 7, 2023	$0.36	$0.38	+5.6%	✓ BEAT
Q1 2023	Mar 8, 2023	$0.26	$0.34	+30.8%	✓ BEAT
Q4 2022	Dec 7, 2022	$0.25	$0.23	-8.0%	✗ MISS
Q3 2022	Aug 31, 2022	$0.21	$0.20	-4.8%	✗ MISS
Q2 2022	Jun 1, 2022	$0.23	$0.17	-26.1%	✗ MISS
Q1 2022	Mar 2, 2022	$0.23	$0.19	-17.4%	✗ MISS
Q4 2021	Dec 1, 2021	$0.26	$0.24	-7.7%	✗ MISS
Q3 2021	Sep 1, 2021	$0.26	$0.25	-3.8%	✗ MISS
Q2 2021	May 27, 2021	$0.26	$0.25	-3.8%	✗ MISS