Versabank Stock Buy Hold or Sell Recommendation
| VBNK Stock | USD 17.59 0.47 2.75% |
Given the investment horizon of 90 days and your typical level of risk aversion, our recommendation regarding VersaBank is 'Strong Buy'. The recommendation algorithm takes into account all of VersaBank's available fundamental, technical, and predictive indicators you will find on this site.
Check out VersaBank Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For more information on how to buy VersaBank Stock please use our How to buy in VersaBank Stock guide. Note, we conduct extensive research on individual companies such as VersaBank and provide practical buy, sell, or hold advice based on investors' constraints. VersaBank. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors.
VersaBank |
Execute VersaBank Buy or Sell Advice
The VersaBank recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on VersaBank. Macroaxis does not own or have any residual interests in VersaBank or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute VersaBank's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Strong Buy
Market Performance | Solid | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Responds to the market | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Strong Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
VersaBank Trading Alerts and Improvement Suggestions
| About 39.0% of the company outstanding shares are owned by insiders | |
| On 31st of October 2024 VersaBank paid $ 0.0185 per share dividend to its current shareholders | |
| Latest headline from zacks.com: StoneX Group Inc. Surpasses Q4 Earnings and Revenue Estimates |
VersaBank Returns Distribution Density
The distribution of VersaBank's historical returns is an attempt to chart the uncertainty of VersaBank's future price movements. The chart of the probability distribution of VersaBank daily returns describes the distribution of returns around its average expected value. We use VersaBank price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of VersaBank returns is essential to provide solid investment advice for VersaBank.
| Mean Return | 0.53 | Value At Risk | -2.37 | Potential Upside | 4.72 | Standard Deviation | 2.24 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of VersaBank historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
VersaBank Stock Institutional Investors
| Shares | Greenwich Investment Management Inc | 2024-06-30 | 69.1 K | Pembroke Management Ltd | 2024-09-30 | 50.9 K | Royal Bank Of Canada | 2024-06-30 | 50.4 K | Dimensional Fund Advisors, Inc. | 2024-09-30 | 50.1 K | Morgan Stanley - Brokerage Accounts | 2024-06-30 | 23.6 K | K2 Principal Fund Lp | 2024-09-30 | 15.9 K | Citadel Advisors Llc | 2024-09-30 | 11.4 K | Bank Of America Corp | 2024-06-30 | 11.1 K | Benjamin F. Edwards & Company, Llc | 2024-06-30 | 10.7 K | Alliancebernstein L.p. | 2024-06-30 | 1.6 M | Cibc World Markets Inc. | 2024-06-30 | 1.3 M |
VersaBank Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | 118.5M | 13.9M | (182.9M) | 43.7M | 39.3M | 41.3M | |
| Free Cash Flow | 139.4M | (108.3M) | (33.2M) | 94.4M | 108.5M | 113.9M | |
| Other Non Cash Items | (54.1M) | (60.2M) | 6.5M | 21.9M | 19.8M | 20.7M | |
| Capital Expenditures | 245K | 14K | 581K | 362K | 416.3K | 416.8K | |
| Net Income | 19.4M | 22.4M | 22.7M | 42.2M | 48.5M | 50.9M | |
| End Period Cash Flow | 257.6M | 271.5M | 88.6M | 132.2M | 152.1M | 172.6M | |
| Depreciation | 1.1M | 1.7M | 1.9M | 1.8M | 2.1M | 1.0M | |
| Dividends Paid | 4.3M | 3.8M | 3.7M | 3.6M | 4.1M | 3.5M | |
| Net Borrowings | (24.9M) | 78.8M | (642K) | (700K) | (805K) | (764.8K) | |
| Change To Netincome | 5.3M | 1.9M | 17.9M | 38.3M | 44.1M | 46.3M |
VersaBank Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to VersaBank or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that VersaBank's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a VersaBank stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | 0.36 | |
β | Beta against Dow Jones | 1.31 | |
σ | Overall volatility | 2.14 | |
Ir | Information ratio | 0.18 |
VersaBank Volatility Alert
VersaBank has relatively low volatility with skewness of 0.58 and kurtosis of 0.23. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure VersaBank's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact VersaBank's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.VersaBank Fundamentals Vs Peers
Comparing VersaBank's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze VersaBank's direct or indirect competition across all of the common fundamentals between VersaBank and the related equities. This way, we can detect undervalued stocks with similar characteristics as VersaBank or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of VersaBank's fundamental indicators could also be used in its relative valuation, which is a method of valuing VersaBank by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare VersaBank to competition |
| Fundamentals | VersaBank | Peer Average |
| Return On Equity | 0.12 | -0.31 |
| Return On Asset | 0.011 | -0.14 |
| Profit Margin | 0.41 % | (1.27) % |
| Operating Margin | 0.50 % | (5.51) % |
| Current Valuation | 314.9 M | 16.62 B |
| Shares Outstanding | 26 M | 571.82 M |
| Shares Owned By Insiders | 38.73 % | 10.09 % |
| Shares Owned By Institutions | 23.02 % | 39.21 % |
| Number Of Shares Shorted | 21.93 K | 4.71 M |
| Price To Earning | 12.09 X | 28.72 X |
| Price To Book | 1.57 X | 9.51 X |
| Price To Sales | 3.91 X | 11.42 X |
| Revenue | 108.03 M | 9.43 B |
| Gross Profit | 108.03 M | 27.38 B |
| EBITDA | 59.43 M | 3.9 B |
| Net Income | 42.16 M | 570.98 M |
| Cash And Equivalents | 84.21 M | 2.7 B |
| Cash Per Share | 3.07 X | 5.01 X |
| Total Debt | 110.62 M | 5.32 B |
| Book Value Per Share | 15.23 X | 1.93 K |
| Cash Flow From Operations | 94.72 M | 971.22 M |
| Short Ratio | 0.85 X | 4.00 X |
| Earnings Per Share | 1.26 X | 3.12 X |
| Target Price | 17.0 | |
| Number Of Employees | 119 | 18.84 K |
| Beta | 1.06 | -0.15 |
| Market Capitalization | 445.16 M | 19.03 B |
| Total Asset | 4.2 B | 29.47 B |
| Retained Earnings | 146.04 M | 9.33 B |
| Annual Yield | 0 % | |
| Net Asset | 4.2 B | |
| Last Dividend Paid | 0.1 |
VersaBank Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as VersaBank . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About VersaBank Buy or Sell Advice
When is the right time to buy or sell VersaBank? Buying financial instruments such as VersaBank Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
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Check out VersaBank Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For more information on how to buy VersaBank Stock please use our How to buy in VersaBank Stock guide.You can also try the Volatility Analysis module to get historical volatility and risk analysis based on latest market data.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of VersaBank. If investors know VersaBank will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about VersaBank listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.04) | Dividend Share 0.1 | Earnings Share 1.26 | Revenue Per Share 4.385 | Quarterly Revenue Growth 0.012 |
The market value of VersaBank is measured differently than its book value, which is the value of VersaBank that is recorded on the company's balance sheet. Investors also form their own opinion of VersaBank's value that differs from its market value or its book value, called intrinsic value, which is VersaBank's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because VersaBank's market value can be influenced by many factors that don't directly affect VersaBank's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between VersaBank's value and its price as these two are different measures arrived at by different means. Investors typically determine if VersaBank is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, VersaBank's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.