| Indicators | Browse All

VersaBank (VBNK)

Financial Services | Banks - Regional | London, Canada | NasdaqGS
19.84 USD -0.65 (-3.172%) ⇩ (Aug. 28, 2026, 4 p.m. EDT)
After hours: 19.84
Short-term:★★★⯪☆Long-term:★★⯪☆☆Dividends:★★☆☆☆
Hot Take ↕ | Aug. 22, 2026, 5:29 a.m. EDT

The immediate outlook is cautiously constructive, driven by a sharp divergence between fundamentals and recent price action. While the company posted a -11.5% earnings decline and faces a pending corporate reorganization vote that introduces execution risk, the stock has rallied nearly 90% over the last four years, trading at a forward P/E of roughly 12x. This valuation compression suggests the market has already priced in the worst-case scenarios regarding the restructuring. The recent price action shows resilience, bouncing off the 200-day average despite a flat-to-negative statistical forecast for the next 45 days. Options flow confirms this sentiment, with traders aggressively buying call volume at strikes above the current price while paying a premium for put protection, indicating a belief that the reorganization will unlock value rather than destroy it. However, the lack of analyst coverage and the pending shareholder vote create a binary event risk that prevents a full bullish conviction until the vote clears.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.047419
AutoETS0.049017
AutoARIMA0.049019
AutoTheta0.049654

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 46%
H-stat 0.82
Ljung-Box p 0.000
Jarque-Bera p 0.035
Excess Kurtosis -0.09
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-07-09
Last Dividend Date 2026-07-09
Revenue per Share 4.289
Market Cap 643,133,632
Trailing P/E 30.06
Forward P/E 11.73
Beta 1.10
Profit Margins 22.04%
Website https://www.versabank.com

As of Aug. 22, 2026, 5:29 a.m. EDT: Speculators are positioning for a moderate upside move, evidenced by heavy open interest in out-of-the-money calls (22.5 strike) compared to puts. Implied volatility is significantly elevated for puts (150%) versus calls (50-70%), suggesting a 'crash protection' hedge is being bought cheaply while traders bet on a recovery or continued rally via call buying.

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.08% 0.34% 0.57% —
Dividend History
Date Dividend Yield %
2026-07-10 0.018 0.082721
2026-04-10 0.018 0.107143
2025-10-10 0.018 0.150754
2025-07-07 0.018 0.154905
2025-04-04 0.018 0.195865
2025-01-10 0.017 0.126582
2024-10-04 0.018 0.135338
2024-07-05 0.018 0.168382
2024-04-04 0.018 0.174757
2024-01-04 0.019 0.169340
2023-10-05 0.018 0.235294
2023-07-06 0.019 0.258503
2023-04-05 0.019 0.253773
2023-01-05 0.019 0.251656
2022-10-06 0.018 0.251748
2022-07-07 0.019 0.264993
2022-04-07 0.020 0.171233
2022-01-06 0.020 0.164204
2021-09-29 0.020 0.178571
Additional Data
dividendRate 0.07
dividendYield 0.35
exDividendDate 2026-07-10
trailingAnnualDividendRate 0.1
trailingAnnualDividendYield 0.0048804297
lastDividendValue 0.018
lastDividendDate 2026-07-10
dividendDate 2026-07-31

Info Dump

Attribute Value
52 Week Change 0.8593466
Address1 140 Fullarton Street
Address2 Suite 2002
All Time High 25.05
All Time Low 6.365
Ask 25.38
Ask Size 2
Audit Risk 8
Average Analyst Rating 1.7 - Buy
Average Daily Volume10 Day 81,130
Average Daily Volume3 Month 116,717
Average Volume 116,717
Average Volume10Days 81,130
Beta 1.097
Bid 14.53
Bid Size 2
Board Risk 7
Book Value 12.294241
City London
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 5
Country Canada
Crypto Tradeable 0
Currency USD
Current Price 19.84
Custom Price Alert Confidence HIGH
Date Short Interest 1,786,665,600
Day High 20.36
Day Low 19.58
Dividend Date 1,785,456,000
Dividend Rate 0.07
Dividend Yield 0.35
Earnings Call Timestamp End 1,788,465,600
Earnings Call Timestamp Start 1,788,465,600
Earnings Growth -0.115
Earnings Quarterly Growth -0.118
Earnings Timestamp 1,788,438,600
Earnings Timestamp End 1,788,438,600
Earnings Timestamp Start 1,788,438,600
Ebitda Margins 0.0
Enterprise To Revenue 1.232
Enterprise Value 169,770,624
Eps Current Year 1.13867
Eps Forward 1.691
Eps Trailing Twelve Months 0.66
Esg Populated 0
Ex Dividend Date 1,783,641,600
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 20.236
Fifty Day Average Change -0.3959999
Fifty Day Average Change Percent -0.01956908
Fifty Two Week Change Percent 85.93466
Fifty Two Week High 25.05
Fifty Two Week High Change -5.209999
Fifty Two Week High Change Percent -0.207984
Fifty Two Week Low 10.85
Fifty Two Week Low Change 8.99
Fifty Two Week Low Change Percent 0.8285714
Fifty Two Week Range 10.85 - 25.05
Financial Currency CAD
First Trade Date Milliseconds 1,630,071,000,000
Five Year Avg Dividend Yield 0.72
Float Shares 20,820,313
Forward Eps 1.691
Forward P E 11.732703
Full Exchange Name NasdaqGS
Full Time Employees 131
Fullday Change -0.65
Fullday Change Percent -3.17228
Fullday Price 19.84
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,785,542,400
Gross Margins 0.0
Gross Profits 137,854,000
Has Pre Post Market Data 1
Held Percent Insiders 0.37361
Held Percent Institutions 0.38377
Implied Shares Outstanding 32,416,007
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Ipo Expected Date 2,021-09-22
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,783,641,600
Last Dividend Value 0.018
Last Fiscal Year End 1,761,868,800
Long Business Summary VersaBank provides various banking products and services in Canada and the United States. The company operates through four segments: Digital Banking Canada, Digital Banking USA, DRTC (Cybersecurity), and Digital Meteor. It offers deposit products, such as guaranteed investment certificates, registered retirement savings plans, and tax-free savings accounts, as well as deposit insurance products. The company also provides lending services, including point of sale financing that covers purchasing loan and lease receivables from finance companies operating in various industries; commercial real estate mortgages and loans, public sector, leases, and other financing. In addition, it provides cybersecurity services. The company was formerly known as Pacific & Western Bank of Canada and changed its name to VersaBank in May 2016. VersaBank was incorporated in 1979 and is headquartered in London, Canada.
Long Name VersaBank
Market us_market
Market Cap 643,133,632
Market State CLOSED
Max Age 86,400
Message Board Id finmb_6571807
Most Recent Quarter 1,777,507,200
Net Income To Common 30,380,000
Next Fiscal Year End 1,793,404,800
Non Diluted Market Cap 657,367,231
Number Of Analyst Opinions 2
Open 20.36
Operating Cashflow -1,065,206,976
Operating Margins 0.27411
Overall Risk 6
Payout Ratio 0.106400006
Phone 519 645 1919
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 19.84
Post Market Time 1,787,959,806
Previous Close 20.49
Price Eps Current Year 17.423838
Price Hint 2
Price To Book 1.6137637
Price To Sales Trailing12 Months 4.665324
Profit Margins 0.22038001
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 1.66667
Region US
Regular Market Change -0.65
Regular Market Change Percent -3.17228
Regular Market Day High 20.36
Regular Market Day Low 19.58
Regular Market Day Range 19.58 - 20.36
Regular Market Open 20.36
Regular Market Previous Close 20.49
Regular Market Price 19.84
Regular Market Time 1,787,947,201
Regular Market Volume 100,326
Return On Assets 0.00529
Return On Equity 0.05623
Revenue Growth 0.295
Revenue Per Share 4.289
Sand P52 Week Change 0.20504117
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 3
Shares Outstanding 32,416,007
Shares Percent Shares Out 0.0063
Shares Short 176,969
Shares Short Previous Month Date 1,784,073,600
Shares Short Prior Month 225,212
Short Name VersaBank
Short Ratio 1.96
Source Interval 15
State ON
Symbol VBNK
Target High Price 25.0
Target Low Price 23.0
Target Mean Price 24.0
Target Median Price 24.0
Total Cash 573,315,008
Total Cash Per Share 17.807
Total Debt 104,323,000
Total Revenue 137,854,000
Tradeable 0
Trailing Annual Dividend Rate 0.1
Trailing Annual Dividend Yield 0.0048804297
Trailing Eps 0.66
Trailing P E 30.060606
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 16.795124
Two Hundred Day Average Change 3.044876
Two Hundred Day Average Change Percent 0.18129525
Type Disp Equity
Volume 100,326
Website https://www.versabank.com
Zip N6A 5P2