VBNK
Versabank
$19.61
▼ 1.7%Updated Today 11:10 AM ET
VBNK at a glance — five pillars scored 0–100 from real filed financials.
Overall: Unrated · 0/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
Market Cap
$0.00
P/E
—
Forward P/E (est.)
—
ROE
—
Revenue Growth
—
EPS Growth
—
Profit Margin
—
FCF Yield
—
Debt / Equity
—
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
—
Implied Growth (rev. DCF)
—
Rating Score
0/100
Versabank (VBNK) is a small-cap company in the Banking industry, part of the Financials sector of the S&P 500.
In its latest reported year it generated about $90.99M in revenue and $20.77M in net profit.
Our model rates VBNK Unrated (0/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
4Y CAGR
17.5%
Revenue moved from $39.56M in 2020 to $90.99M in 2025, a 18.1% compound annual growth rate. The most recent year was roughly steady year over year. Slower, mature growth is common for established businesses.
Gross Margin
—
Operating Margin
—
Net Margin
22.8%
ROE
—
Total Debt
—
Net Debt
—
Net Debt / EBITDA
—
Debt / Equity
—
Leverage: debt-to-equity is n/a. Detailed balance-sheet leverage is limited for this name.
Operating CF
$32.45M
Free Cash Flow
$31.75M
FCF Margin
34.9%
In the latest year Versabank produced about $32.45M of operating cash flow and $31.75M of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The dividend is being paid, but coverage or consistency is thinner than an income investor should rely on without a closer look.
Per share (latest FY)
$0.07
Total paid (latest FY)
$2.36M
History on record
6 years
dividend uses 7% of free cash flow
11% of net income paid out
no current raise streak
payout was cut at least once in the last 6 years
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
—
P/S
—
P/B
—
EV / EBITDA
—
VBNK trades at n/a trailing earnings. With no positive trailing earnings, value it on sales, cash flow, or growth rather than P/E.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$20.97
Current price
$19.61
Starting FCF (latest 10-K)
$31.75M
Growth, years 1–5
4.0%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where VBNK sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How VBNK stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), VBNK ranks #278 of 289 by our overall rating.
P/E vs sector
—
median 15.6x
ROE vs sector
—
median 13.6%
Growth vs sector
—
median 15.9%
Sector rank
#278
of 289 by rating
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $19.61 today · expected CAGR -6% – 4%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $98.27M | $106.13M | $114.62M | $123.79M | $133.69M |
| Net income | $22.60M | $24.41M | $26.36M | $28.47M | $30.75M |
| EPS | $0.87 | $0.94 | $1.01 | $1.09 | $1.18 |
| Share price (low) | $10.43 | $11.26 | $12.17 | $13.14 | $14.19 |
| Share price (high) | $17.38 | $18.77 | $20.28 | $21.90 | $23.65 |
| CAGR (low–high) | -47% / -11% | -24% / -2% | -15% / 1% | -10% / 3% | -6% / 4% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for VBNK:
- As an established S&P 500 member in Financials, it brings scale and a long operating history.
The case against VBNK:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the picture is mixed: Versabank is a small-cap financials business growing at a mature pace, with modest profitability, and a heavier debt load to watch. It trades at n/a earnings, which our model scores Unrated (0/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Latest SEC Filings
VBNK's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
VBNK — frequently asked questions
Is VBNK a good stock to buy?
We don't give buy or sell advice. Review Versabank's fundamentals, valuation, and 5-year financials on this page, then make your own decision — and consider a licensed professional.
Where does VBNK's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Versabank's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for VBNK calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this VBNK analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell VBNK. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.