VersaBank (VBNK) is a Banks - Regional company in the Financial Services sector, currently trading at $16.30. It has a SharesGrow Score of 64/100, indicating a above average investment profile with 3 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of VBNK = $24.20 (+48.5% from the current price, the stock appears undervalued). Analyst consensus target is VBNK = $13 (-20.2% upside).
Valuation: VBNK trades at a trailing Price-to-Earnings (P/E) of 22.5 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 0.38.
Financials: revenue is $120M, +14.1%/yr average growth. Net income is $28M, growing at +17.3%/yr. Net profit margin is 23.7% (strong). Gross margin is 100% (+0 pp trend).
Balance sheet: total debt is $109M against $533M equity (Debt-to-Equity (D/E) ratio 0.2, conservative). Current ratio is 0.13 (tight liquidity). Debt-to-assets is 1.9%. Total assets: $5.8B.
Analyst outlook: 1 / 2 analysts rate VBNK as buy (50%) — moderate consensus.
SharesGrow 7-Criteria breakdown: Value 59/100 (Partial), Growth 80/100 (Pass), Past 100/100 (Pass), Health 33/100 (Fail), Moat 60/100 (Partial), Future 28/100 (Fail), Income 85/100 (Pass).
