VersaBank.
VBNK 
NGS
Sector: Finance and Insurance
Industry: Commercial Banking
9.75
USD
-0.26
(-2.60%)
Optionable: No Market Cap: 250 M 90-day average vol: 31,742
Previous close: 10.01 Open: 10.04 Bid: 3.94 Ask: 15.53
52 week range
6.37 12.19
Peers
Last updated: Friday 19th April 2024
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Valuation
Price per Sales TTM ($) | 2.30 |
Price per Book TTM ($) | 0.88 |
PE Ratio (TTM) | 8.00 |
Book Value per Share ($) | 14.53 |
5 Year PE Range | NA , NA |
Returns
7 Day Return | -4.88% | |
1 Month Return | -11.69% | |
3 Month Return | -11.69% | |
1 Year Return | 28.69% | |
3 Year Return | -17.09% | |
5 Year Return | 82.97% | |
YTD Return | -10.96% |
Risk
Financial Health
Technicals
RSI (14 Day) | 37.02 |
14 Day SMA ($) | 10.21 |
14 Day EMA ($) | 10.15 |
Money Flow Index | 51.68 |
Average True Range | 0.34 |
50 Day SMA ($) | 10.80 |
200 Day SMA ($) | 9.19 |
ADX | 0.00 |
MACD | 0.17 |
Growth
Free Cash Flow QoQ Growth | 0.00% |
Free Cash Flow YoY Growth | 0.00% |
Revenue YoY Growth | 0.00% |
EPS QoQ Growth | 0.00% |
Revenue QoQ Growth | 0.00% |
EPS YoY Growth | 0.00% |
Peers
| Stock | Dividend | Market Cap (B) | PE | Price ($) |
|---|
Financials
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 | 0.1 | |||||
| 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 | 23 M | 42 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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