Is VersaBank (VBNK) Overvalued?
We dive into why VersaBank (VBNK) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Rosalio Madrigal
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COMPANY SUMMARY
VersaBank provides various banking products and services in Canada and the United States. The company operates through four segments: Digital Banking Canada, Digital Banking USA, DRTC (Cybersecurity), and Digital Meteor. It offers deposit products, such as guaranteed investment certificates, registered retirement savings plans, and tax-free savings accounts, as well as deposit insurance products. The company also provides lending services, including point of sale financing that covers purchasing loan and lease receivables from finance companies operating in various industries; commercial real estate mortgages and loans, public sector, leases, and other financing. In addition, it provides cybersecurity services. 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.
Commentary & Analysis
Why VersaBank’s (VBNK) Stock Is Down 5.50%
As of Thursday, July 02, VersaBank’s VBNK share price has dipped by 5.50%, which has investors questioning if this is right time to buy.Rosalio Madrigal
Why VersaBank’s (VBNK) Stock Is Up 6.11%
As of Tuesday, June 30, VersaBank’s VBNK share price has surged by 6.11%, which has investors questioning if this is right time to sell.Rosalio Madrigal
Why VersaBank’s (VBNK) Stock Is Up 13.10%
As of Tuesday, June 30, VersaBank’s VBNK share price has surged by 13.10%, which has investors questioning if this is right time to sell.Omar Beirat
Why VersaBank’s (VBNK) Stock Is Down 5.63%
As of Thursday, June 04, VersaBank’s VBNK share price has dipped by 5.63%, which has investors questioning if this is right time to buy.Rosalio Madrigal
Financial Summary
| Share Statistics | VBNK | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $642.0 | $746.4 | 39% |
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| Shares Out (Mil) | 23.6 | 15.0 | 33% |
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| Institutional Ownership | 77.4% | 83.5% | 47% |
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| Float (Mil) | 21.0 | 21.8 | 29% |
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| Beta | 1.14 | 0.45 | 68% |
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| Avg Daily Volume (000s) | 83 | 48 | 34% |
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| Price Change (52-week) |
76.7% | 94.2% | 88% |
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| Growth | VBNK | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 15.9% | 7.7% | 74% |
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| Net Income (5yr) | 6.8% | 11.1% | 50% |
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| EPS (5yr) | 0.9% | 10.1% | 32 |
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| Dividends (5yr) | (1.0%) | 3.7% | 55% |
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| Cash Flow (5yr) | 15.1% | (17.1%) | 73% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 3 | 3 | 3 | |
| Current EPS | $0.296 | $1.139 | $1.691 | |
| Month Ago EPS | $0.305 | $1.149 | $1.703 | |
| # Rev Up | 0 | 0 | 1 | |
| # Rev Down | 1 | 1 | 0 | |
| Three Months Ago EPS | $0.325 | $1.248 | $1.838 | |
| Year/Year Chg | 75.1% | 77.4% | na | |
| Financials | VBNK | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $101 | $195 | 26% |
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| Net Income (TTM) (Mil) | $22 | $55 | 49% |
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| EPS (TTM) | $0.694 | $2.600 | 57% |
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| Operating Cash Flow (TTM) (Mil) | ($783) | $33 | 2% |
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| Net Cash Flow (TTM) (Mil) | $164 | $1 | 82% |
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| Long-Term Debt (Q1) (Mil) | $77 | $98 | 42% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | VBNK | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.57 | 1.24 | 40% |
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| P/E | 28.6 | 12.4 | 67% |
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| Dividend Yield | 0.5% | 2.2% | 62% |
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| PEG (5yr hist) | 31.8 | 1.1 | 99% |
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| Ratios | VBNK | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 22.0% | 29.2% | 81% |
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| ROA | 0.5% | 1.1% | 41% |
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| ROE | 5.7% | 11.3% | 45% |
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| Liabilities to Assets | 91.4% | 89.7% | 88% |
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| F-Score | 2 | 4 | 7% |
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VersaBank did not pass any screens on 8/28/2026.
