VERSABANK

VBNKNASDAQ

🏆 #2408 by market capEarnings Sep 3US Equity

$19.26▲ $0.21 (+1.10%)

🌅 Pre-market$19.26▲ 0.00%Regular close · extended-hours price shown

1h—

24h▲ 1.1%

7d▼ 1.8%

14d▲ 0.1%

30d▼ 11.2%

1y▲ 85.0%

🏦Market Cap

$620M

Small Cap

📈Revenue Growth (YoY)

+7.7%

Slowing

📊Gross Margin

42.4%

Healthy

💵FCF Margin

77.3%

Strong

⚖️P/S Ratio

2.7x

Cheap

Otter Score

Fair

Trading Snapshot

Day Range: $19.08 – $19.43
52-Week Range: $10.24 – $25.05
Volume: $2.52B
Avg Volume: $2.37B
Shares Outstanding: 32.2M
Next Earnings: Oct 18, 2026

Fundamentals Snapshot

Annual Revenue: $120M
Last Q Revenue: $86M
P/E Ratio: 28.6
P/S Ratio: 2.7x
EPS (TTM): $0.95
Dividend Yield: 0.37%

Why Investors Own VBNK

✓High-growth profile — revenue up +4.4% YoY with expanding US Equity exposure.
✓Healthy economics — 26% gross margin and 16% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$120M▼ −0.1% YoY

Gross Margin (TTM)

25.6%▲ +2.7% YoY

Operating Income (TTM)

$26M▼ −0.1% YoY

Free Cash Flow (TTM)

$19M▼ −0.1% YoY

About VERSABANK

VersaBank, a federally regulated financial institution (Schedule I chartered bank) operating across Canada, delivers a diverse array of banking and lending solutions. Clients can choose from various deposit products, including Guaranteed Investment Certificates (GICs), Registered Retirement Savings Plans (RRSPs), Daily Interest Savings Accounts (DISAs), and Tax-Free Savings Accounts (TFSAs), all complemented by deposit protection. The bank also provides comprehensive lending services. This includes point-of-sale financing, where it acquires loan and lease receivables from other finance companies across numerous industries. Additionally, its commercial banking division supports sectors such as commercial real estate, public sector and infrastructure projects, condominium financing, and residential mortgages. Established in 1979, the institution was initially known as Pacific & Western Bank of Canada before adopting its current name, VersaBank, in May 2016. The company maintains its headquarters in London, Canada.

🦦