Versabank Stock Today

VBNK Stock   20.62  0.10  0.49%   

Performance

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Odds Of Distress

Tiny

 
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VersaBank is selling at 20.62 as of the 6th of January 2026; that is 0.49 percent up since the beginning of the trading day. The stock's open price was 20.52. VersaBank has under 5 % chance of experiencing financial distress over the next 2 years and had a good performance during the last 90 days. The performance scores are derived for the period starting the 7th of December 2025 and ending today, the 6th of January 2026. Click here to learn more.
Business Domain
Banks
Category
Financial Services
Classification
Financials
VersaBank is entity of Canada. It is traded as Stock on TO exchange. The company has 31.95 M outstanding shares of which 44.09 K shares are at this time shorted by private and institutional investors with about 2.18 days to cover all short positions. More on VersaBank

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VersaBank Stock Highlights

Most reasonable investors view market volatility as an opportunity to invest at a favorable price or to sell short against a bearish trend. VersaBank's investment highlights are automatically generated signals that are significant enough to either complement your investing judgment regarding VersaBank or challenge it. These highlights can help you better understand the position you are entering and avoid costly mistakes.
Executive PresidentLLB BA
Thematic IdeaBanks (View all Themes)
Business ConcentrationRegional Banks, Banks - Regional, Financial Services, Banks, Financials, Banks, Banks-Regional, Financial Services (View all Sectors)
VersaBank's financial strength is of vital concern to both outside investors and internal stakeholders. Efficiency and cost control are keys to VersaBank's success, along with its ability to generate sufficient cash flow to pay bills, repay debt, and make a consistent year-to-year profit.
Debt Levels
VersaBank can leverage the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand VersaBank's financial leverage. It provides some insight into what part of VersaBank's total assets is financed by creditors.
Liquidity
VersaBank cash flow analysis is essential to understand how it generates and spends money over a specific period. It can also help you figure out where your money is going and how much cash you have available at a given moment. VersaBank has accumulated 106.18 M in total debt. Debt can assist VersaBank until it has trouble settling it off, either with new capital or with free cash flow. So, VersaBank's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like VersaBank sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for VersaBank to invest in growth at high rates of return. When we think about VersaBank's use of debt, we should always consider it together with cash and equity.

Other Non Cash Items

(104.92 Million)
VersaBank (VBNK) is traded on Toronto Exchange in Canada and employs 131 people. VersaBank is listed under Regional Banks category by Fama And French industry classification. The company currently falls under 'Small-Cap' category with a current market capitalization of 657.44 M. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate VersaBank's market, we take the total number of its shares issued and multiply it by VersaBank's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and those looking for more risk prefer small-cap and mid-cap equities. VersaBank operates under Banks sector and is part of Financials industry. The entity has 31.95 M outstanding shares of which 44.09 K shares are at this time shorted by private and institutional investors with about 2.18 days to cover all short positions. VersaBank generates positive cash flow from operations, but has no cash available
Check VersaBank Probability Of Bankruptcy
Ownership Allocation
VersaBank shows a total of 31.95 Million outstanding shares. VersaBank maintains significant amount of outstanding shares owned by insiders. An insider is usually defined as a CEO, other corporate executive, director, or institutional investor who own at least 10% of the company's outstanding shares. Since such a large part of the company is owned by insiders, it is advisable to analyze if each of these insiders have been buying or selling the stock in recent months. Please note that no matter how many assets the company owns, if the real value of the company is less than the current market value, you may not be able to make money on it.
Check VersaBank Ownership Details

VersaBank Historical Income Statement

At this time, VersaBank's Income Tax Expense is very stable compared to the past year. As of the 6th of January 2026, Depreciation And Amortization is likely to grow to about 3.7 M, while Operating Income is likely to drop about 30.4 M. View More Fundamentals

VersaBank Stock Against Markets

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VersaBank Corporate Management

Elected by the shareholders, the VersaBank's board of directors comprises two types of representatives: VersaBank inside directors who are chosen from within the company, and outside directors, selected externally and held independent of VersaBank. The board's role is to monitor VersaBank's management team and ensure that shareholders' interests are well served. VersaBank's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, VersaBank's outside directors are responsible for providing unbiased perspectives on the board's policies.
BA BAVP FinProfile
David ThomsSenior FinancingProfile
MBA MEngChief OfficerProfile
BCom MBAChief OfficerProfile
Terri WilsonVP ControlProfile
When determining whether VersaBank is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if VersaBank Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Versabank Stock. Highlighted below are key reports to facilitate an investment decision about Versabank Stock:
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in 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 employment.
To learn how to invest in VersaBank Stock, please use our How to Invest in VersaBank guide.
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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.