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VersaBank VB.TO TSX

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

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

VersaBank (VB.TO) is a Banks - Regional company in the Financial Services sector, currently trading at $14.64. It has a SharesGrow Score of 75/100, indicating a strong investment profile with 4 out of 7 criteria passed.

Financials: revenue is $65M, +8.5%/yr average growth. Net income is $22M, growing at +7.7%/yr. Net profit margin is 34.2% (strong). Gross margin is 100% (+0 pp trend).

Balance sheet: total debt is $100M against $332M equity (Debt-to-Equity (D/E) ratio 0.3, conservative). Current ratio is 20.34 (strong liquidity). Debt-to-assets is 4.2%. Total assets: $2.4B.

SharesGrow 7-Criteria breakdown: Value 85/100 (Pass), Growth 65/100 (Pass), Past 100/100 (Pass), Health 67/100 (Partial), Moat 46/100 (Partial), Future ?/100 (Fail), Income 100/100 (Pass).

VB.TO SharesGrow Score Overview

77/100

SharesGrow Score

Strong investment profile

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VALUE 85/100

Valuation — P/E, PEG, Forward PEG

GROWTH 65/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 67/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 46/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 100/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — VB.TO

VB.TO trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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VB.TO: +8.5%/yr revenue is, +7.7%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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VB.TO: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet VB.TO: Debt-to-Equity (D/E) ratio 0.3 (conservative), Current ratio is 20.34 (strong liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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VB.TO: Gross margin is 100% (+0 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 46/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

VB.TO: Net profit margin is 34.2%. strong (≥30%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range13.65-14.79

Volume39.44K

Avg Volume (30D)13.15K

Beta (1Y)1.06

Dividend Yield$0.3350

Share Statistics

EPS (TTM)1.06

Shares Outstanding$21.12M

IPO Date2013-08-27

Employees145

CEODavid Taylor

Financial Highlights & Ratios

Revenue (TTM)$65.36M

Gross Profit$65.36M

EBITDA$61.85M

Net Income$22.38M

Operating Income$60.12M

Total Cash$271.52M

Total Debt$100.39M

Net Debt$-171.14M

Total Assets$2.42B

Price / Earnings (P/E)13.8

Analyst Forecast

Company Info

CountryCA

ExchangeToronto Stock Exchan

CurrencyCAD

Price Chart

VB.TO

VersaBank ↗ · Toronto Stock Exchan

Financial Services • Banks - Regional

13.65 52WK RANGE 14.79

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