VBNK Stock Forecast, Price Targets, Chart, Dividends & Analysis

Dividend Per Share TTM ($)	0.10
Forward Annual Dividend Yield	0.48%
Ex Dividend Date (MM/DD/YYYY)	1/10/2025
Dividend Pay Date (MM/DD/YYYY)	10/31/2024
Dividend Yield (TTM)	0.76%
Forward Annual Dividend Rate ($)	0.07
Dividend Payout Ratio	-7.68
Dividend Per Share 5 Year CAGR	0.00%

Analyst Estimates

EPS Estimate Current Year ($)	1.4
EPS Estimate Next Year ($)	1.7
EPS Estimate Next Quarter ($)	0.38
EPS Estimate Current Quarter ($)	0.34
Current Target Price ($)	12.21
Next 5 Year Growth Rate (%)
1 week Ago Target Price ($)	12.21
2 week Ago Target Price ($)	12.21
3 week Ago Target Price ($)	12.21

Financial Health

Cash Flow Per Share TTM ($)	7.37
Current Ratio	0.00
Quick Ratio	0.00
Debt to Equity Ratio (Last Quarter)	0.00
Long term debt per share (Last Quarter)
F Score	5.0

Technicals

RSI (14 Day)	27.91
14 Day SMA ($)	15.92
14 Day EMA ($)	15.31
Money Flow Index	94.83
Average True Range	0.84
50 Day SMA ($)	15.89
200 Day SMA ($)	12.35
ADX	0.00
MACD	-0.14

Growth

Free Cash Flow QoQ Growth	0.00%
Free Cash Flow YoY Growth	0.00%
Revenue YoY Growth	0.00%
EPS QoQ Growth	0.00%
Revenue QoQ Growth	0.00%
EPS YoY Growth	0.00%

Profitability

Return on Assets TTM (%)	1.09
Profit Margin TTM (%)	0.0
Return on Equity TTM (%)	11.94
Return on Capital TTM (%)	0.0
Interest Coverage Ratio	0.00
Gross Margin TTM (%)

Peers

Stock	Dividend	Market Cap (B)	PE	Price ($)

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Financials

Income Statement

Balance Sheet

Cash Flow

VBNK Income Statement

Annual

	Oct-14	Oct-15	Oct-16	Oct-17	Oct-18	Oct-19	Oct-20	Oct-21	Oct-22	Oct-23
Basic EPS from continuing operations	0.29	0.33	0.32	0.83	0.75	0.85	0.82	0.96	0.79	1.57
Basic EPS total	0.29	0.33	0.32	0.83	0.75	0.85	0.82	0.96	0.79	1.57
Basic weighted shares outstanding	19 M	19 M	20 M	21 M	21 M	21 M	21 M	22 M	27 M	26 M
CreditCard	1 M	1 M	1 M	-214000.0
CreditLossesProvision	-919000.0	-2 M	-871000.0	125000.0	-334000.0	298000.0	344000.0	438000.0	451000.0	609000.0
Diluted EPS total	0.29	0.33	0.32	0.83	0.75	0.85	0.82	0.96	0.79	1.57
Diluted normalized net income/share	0.29	0.33	0.32	0.83	0.75	0.85	0.82	0.96	0.79	1.57
Diluted weighted shares outstanding	19 M	19 M	20 M	21 M	21 M	21 M	21 M	22 M	27 M	26 M
Dividends paid per share					0.04	0.07	0.1	0.1	0.12	0.12
FeesAndCommissions	1 M	1 M	1 M	-214000.0
GeneralAndAdministrativeExpense	21 M	23 M	24 M	25 M	24 M	24 M	25 M	31 M	19 M	15 M
Income before tax	6 M	9 M	12 M	15 M	25 M	28 M	27 M	31 M	33 M	58 M
Income restructuring and M&A	434000.0		1 M	2 M
Income taxes	531000.0	821000.0	3 M	-5 M	7 M	8 M	7 M	8 M	10 M	15 M
Interest expense	30 M	30 M	31 M	28 M	29 M	34 M	32 M	29 M	50 M	129 M
InterestExpenseForDeposit	29 M	29 M	30 M	26 M	29 M	34 M	31 M	26 M	45 M	123 M
InterestExpenseForLongTermDebt									6 M	6 M
InterestExpenseForLongTermDebtAndCapitalSecurities	2 M	1 M	1 M	1 M	858000.0	755000.0	508000.0	3 M	6 M	6 M
InterestIncome	58 M	64 M	70 M	72 M	81 M	88 M	86 M	89 M	127 M	229 M
InterestIncomeAfterProvisionForLoanLoss	27 M	32 M	38 M	44 M	51 M	54 M	54 M	61 M	76 M	99 M
InterestIncomeFromLoans	55 M	63 M	68 M	70 M	79 M	85 M	83 M	88 M	123 M	216 M
InterestIncomeFromLoansAndLease	55 M	63 M	68 M	70 M	79 M	85 M	83 M	88 M	123 M	216 M
InterestIncomeFromSecurities	3 M	1 M	1 M
Net income from total operations	6 M	8 M	8 M	19 M	18 M	20 M	19 M	22 M	23 M	42 M
NetIncomeCommonStockholders	6 M	8 M	6 M	17 M	16 M	18 M	17 M	21 M	22 M	41 M
NetIncomeContinuousOperations	6 M	8 M	8 M	19 M	18 M	20 M	19 M	22 M	23 M	42 M
NetInterestIncome	28 M	34 M	38 M	44 M	51 M	54 M	54 M	60 M	77 M	100 M
NonInterestExpense	23 M	25 M	26 M	27 M	26 M	26 M	28 M	35 M	49 M	50 M
NonInterestIncome	3 M	1 M	1 M	-141000.0	186000.0	22000.0	60000.0	5 M	6 M	9 M
Normalized income	5 M	7 M	10 M	12 M	18 M	20 M	20 M	23 M	24 M	42 M
OccupancyAndEquipment	2 M	2 M	2 M	2 M	2 M	2 M	2 M	4 M	4 M	4 M
OtherGandA	21 M	23 M	24 M	25 M	24 M	24 M	25 M	31 M	19 M	15 M
OtherInterestIncome			1 M	1 M	2 M	3 M	3 M	1 M	4 M	14 M
OtherNonInterestIncome	57000.0	86000.0	39000.0	-141000.0	186000.0	22000.0	60000.0	5 M	6 M	9 M
OtherunderPreferredStockDividend			2 M	2 M	2 M	2 M	2 M	2 M
PreferredStockDividends			2 M	2 M	2 M	2 M	2 M	2 M
SalariesAndWages	11 M	13 M	14 M	14 M	14 M	15 M	17 M	20 M	27 M	31 M
Selling Gen & administrative expense	21 M	23 M	24 M	25 M	24 M	24 M	25 M	31 M	46 M	46 M
Special income/charges	434000.0		1 M	2 M
Total common shares outstanding	26 M	26 M	26 M	21 M	21 M	21 M	21 M	27 M	21 M
Total net income	6 M	8 M	8 M	19 M	18 M	20 M	19 M	22 M	23 M	42 M
Total ordinary shares	26 M	26 M	26 M	26 M	26 M	26 M	26 M	26 M	26 M	26 M
Total revenues	31 M	35 M	40 M	44 M	52 M	54 M	54 M	65 M	82 M	109 M
TotalRevenue	31 M	35 M	40 M	44 M	52 M	54 M	54 M	65 M	82 M	109 M

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VBNK Stock Forecast, Price Targets, Chart, Dividends & Analysis

VersaBank.

Sector: Finance and Insurance

Industry: Commercial Banking

Stock Rankings

Valuation

Price per Sales TTM ($)

Price per Book TTM ($)

PE Ratio (TTM)

Book Value per Share ($)

5 Year PE Range

Returns

7 Day Return

1 Month Return

3 Month Return

1 Year Return

3 Year Return

5 Year Return

YTD Return

Risk

Custom Beta One Year

Custom Beta Three Years

Beneish M Score

Altman Z Score

Ranks

MarketXLS Value Score

MarketXLS Quality Score

MarketXLS Technical Score

MarketXLS Rank

Dividends

Dividend Per Share TTM ($)

Forward Annual Dividend Yield

Ex Dividend Date (MM/DD/YYYY)

Dividend Pay Date (MM/DD/YYYY)

Dividend Yield (TTM)

Forward Annual Dividend Rate ($)

Dividend Payout Ratio

Dividend Per Share 5 Year CAGR

Analyst Estimates

EPS Estimate Current Year ($)

EPS Estimate Next Year ($)

EPS Estimate Next Quarter ($)

EPS Estimate Current Quarter ($)

Current Target Price ($)

Next 5 Year Growth Rate (%)

1 week Ago Target Price ($)

2 week Ago Target Price ($)

3 week Ago Target Price ($)

Financial Health

Cash Flow Per Share TTM ($)

Current Ratio

Quick Ratio

Debt to Equity Ratio (Last Quarter)

Long term debt per share (Last Quarter)

F Score

Technicals

RSI (14 Day)

14 Day SMA ($)

14 Day EMA ($)

Money Flow Index

Average True Range

50 Day SMA ($)

200 Day SMA ($)

ADX

MACD

Growth

Free Cash Flow QoQ Growth

Free Cash Flow YoY Growth

Revenue YoY Growth

EPS QoQ Growth

Revenue QoQ Growth

EPS YoY Growth

Profitability

Return on Assets TTM (%)

Profit Margin TTM (%)

Return on Equity TTM (%)

Return on Capital TTM (%)

Interest Coverage Ratio

Gross Margin TTM (%)

Peers