VersaBank (VBNK) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
VersaBank stock (VBNK) is currently trading at $13.83. VersaBank PE ratio is 19.48. VersaBank PS ratio (Price-to-Sales) is 3.43. Analyst consensus price target for VBNK is $15.50. WallStSmart rates VBNK as Moderate Buy.
- VBNK PE ratio analysis and historical PE chart
- VBNK PS ratio (Price-to-Sales) history and trend
- VBNK intrinsic value — DCF, Graham Number, EPV models
- VBNK stock price prediction 2025 2026 2027 2028 2029 2030
- VBNK fair value vs current price
- VBNK insider transactions and insider buying
- Is VBNK undervalued or overvalued?
- VersaBank financial analysis — revenue, earnings, cash flow
- VBNK Piotroski F-Score and Altman Z-Score
- VBNK analyst price target and Smart Rating
VersaBank
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VBNK Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · VersaBank (VBNK)
VBNK trades at a significant discount to its Graham intrinsic value of $31.75, offering a 49% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
VersaBank (VBNK) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
VersaBank (VBNK) Key Strengths (5)
Keeps $43 of every $100 in revenue after operating costs
Revenue surging 33.60% year-over-year
Keeps $24 of every $100 in revenue as net profit
Trading at 1.09x book value, attractively priced
Strong earnings growth at 23.70% per year
Supporting Valuation Data
VersaBank (VBNK) Areas to Watch (4)
Low profitability relative to shareholder equity
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 3.43x sales
Moderate institutional interest at 36.24%
Supporting Valuation Data
VersaBank (VBNK) Detailed Analysis Report
Overall Assessment
This company scores 67/100 in our Smart Analysis, earning a B- grade. Out of 9 metrics analyzed, 5 register as strengths (avg 9.2/10) while 4 fall into concern territory (avg 5.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Revenue Growth, Profit Margin. Valuation metrics including Price/Book (1.09) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 42.60%, Profit Margin at 24.30%. Growth metrics are encouraging with Revenue Growth at 33.60%, EPS Growth at 23.70%.
The Bear Case
The primary concerns are Return on Equity, Market Cap, Price/Sales. Some valuation metrics including Price/Sales (3.43) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 5.90%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 5.90% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 33.60% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Revenue Growth) and negatives (Return on Equity, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
VBNK Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
VBNK's Price-to-Sales ratio of 3.43x sits near its historical average of 3.73x (14th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 22% below its historical high of 4.38x set in Mar 2026, and 3% above its historical low of 3.32x in Mar 2026. Over the past 12 months, the PS ratio has compressed from ~4.4x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for VersaBank (VBNK) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
VersaBank is a strong growth company balancing expansion with improving profitability. Revenue reached 129M with 34% growth year-over-year. Profit margins are strong at 24.3%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 34% YoY, reaching 129M. This pace significantly outperforms most BANKS - REGIONAL peers.
Profit margin of 24.3% and operating margin of 42.6% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Growth sustainability: can VersaBank maintain 34%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact VersaBank.
Bottom Line
VersaBank offers an attractive blend of growth (34% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 10:12:48 AM
About VersaBank(VBNK)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
VersaBank (VBNK) is a leading digital bank based in London, Ontario, distinguished by its innovative approach to banking through advanced technology solutions. The bank specializes in commercial and residential lending, leveraging a robust cloud-based infrastructure that enables cost-effective operations and a secure banking experience for its clients. With a strong emphasis on cybersecurity, VersaBank is positioned to capitalize on the ongoing digital transformation in the financial services sector, adapting to evolving consumer demands and enhancing its comprehensive suite of financial products. As a pioneer in the Canadian digital banking landscape, VersaBank is well-equipped to navigate the complexities of modern finance and seize emerging market opportunities.