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VersaBank VB.TO TSX

Toronto Stock Exchan • Financial Services • Banks - Regional • CA • CAD

SharesGrow Score
77/100
4/6 Pass
SharesGrow Intrinsic Value
N/A
Negative cash flow

VersaBank (VB.TO) reported total assets of $2.42B and total liabilities of $2.08B for fiscal year 2021, resulting in total equity of $332.11M.

The company held $271.52M in cash and short-term investments. Total debt stood at $100.39M, with net debt of $-171.14M. The Debt-to-Equity (D/E) ratio was 0.3 (conservative).

Current ratio is 20.34, indicating strong short-term liquidity. Interest coverage is 2x (weak).

Criteria supported by this page:

  • HEALTH (67/100, Partial) — some metrics are adequate but not all reach ideal thresholds
  • MOAT (46/100) — Total assets $2.42B and equity $332.11M support the company's competitive scale
  • VALUE (85/100) — Debt-to-Equity 0.3 contributes to the overall valuation risk assessment

Overall SharesGrow Score: 75/100 with 4/7 criteria passed.

SharesGrow 7-Criteria Score
77/100
SG Score
View full scorecard →
VALUE
85/100
Price-to-Earnings & upside
→ Valuation
FUTURE
N/A
No coverage
PAST
100/100
→ Income
~
HEALTH
67/100
Debt-to-Equity & liquidity
Proven by this page
~
MOAT
46/100
→ Income
GROWTH
65/100
→ Income
INCOME
100/100
→ Income
VersaBank Balance Sheet History
Metric FY2021 FY2020 FY2019 FY2018
Total Assets $2.42B$1.94B$1.79B$1.81B
Total Liabilities $2.08B$1.69B$1.55B$1.59B
Total Debt $100.39M$16.72M$38.25M$43.15M
Cash & Investments $271.52M$257.64M$139.15M$129.78M
Total Stockholders Equity $332.11M$255.29M$240.16M$223.57M
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