VersaBank Valuation
| VBNK Stock | 24.40 0.70 2.95% |
At this time, the company appears to be undervalued. VersaBank has a current Real Value of USD26.6 per share. The regular price of the company is USD24.4. Our model measures the value of VersaBank from inspecting the company fundamentals such as Shares Outstanding of 26 M, return on equity of 0.12, and Operating Margin of 0.50 % as well as reviewing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting VersaBank's valuation include:
Price Book 1.5588 | Enterprise Value 485.7 M | Price Sales 5.4145 | Forward PE 10.0806 | Trailing PE 13.4659 |
Undervalued
Today
Please note that VersaBank's price fluctuation is very steady at this time. Calculation of the real value of VersaBank is based on 3 months time horizon. Increasing VersaBank's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since VersaBank is currently traded on the exchange, buyers and sellers on that exchange determine the market value of VersaBank Stock. However, VersaBank's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 24.4 | Real 26.6 | Hype 24.44 | Naive 24.7 |
The intrinsic value of VersaBank's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence VersaBank's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of VersaBank helps investors to forecast how VersaBank stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of VersaBank more accurately as focusing exclusively on VersaBank's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use VersaBank's intrinsic value based on its ongoing forecasts of VersaBank's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against VersaBank's closest peers.
VersaBank Cash |
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VersaBank Valuation Trend
Knowing VersaBank's actual value is paramount for traders when making sound investment determinations. Using both VersaBank's enterprise value as well as its market capitalization is the best way to estimate the value of the company and is usually enough for investors to make market timing decisions.
VersaBank Total Value Analysis
VersaBank is at this time estimated to have takeover price of 485.74 M with market capitalization of 616.26 M, debt of 110.62 M, and cash on hands of . Please note that takeover price may be misleading and is a subject to mistakes in financial statements. We encourage investors to thoroughly investigate all of the VersaBank fundamentals before making investing decisions based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
485.74 M | 616.26 M | 110.62 M |
VersaBank Investor Information
About 39.0% of the company outstanding shares are owned by insiders. The company has Price to Book (P/B) ratio of 1.56. Historically many companies with similar price-to-book (P/B) ratio do better than the market in the long run. VersaBank last dividend was issued on the 4th of October 2024. Based on the analysis of VersaBank's profitability, liquidity, and operating efficiency, VersaBank is not in a good financial situation at this time. It has a very high probability of going through financial hardship in December.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.26 | 0.28 |
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| Operating Income | 49 M | 66.3 M |
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VersaBank Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. VersaBank has an asset utilization ratio of 2.59 percent. This suggests that the Company is making USD0.0259 for each dollar of assets. An increasing asset utilization means that VersaBank is more efficient with each dollar of assets it utilizes for everyday operations.VersaBank Ownership Allocation
VersaBank shows a total of 26 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.VersaBank Profitability Analysis
The company reported the revenue of 108.64 M. Net Income was 42.16 M with profit before overhead, payroll, taxes, and interest of 81.94 M.VersaBank Past Distributions to stockholders
About VersaBank Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of VersaBank. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of VersaBank based exclusively on its fundamental and basic technical indicators. By analyzing VersaBank's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of VersaBank's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of VersaBank. We calculate exposure to VersaBank's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of VersaBank's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 124.9 M | 131.2 M | |
| Pretax Profit Margin | 0.22 | 0.27 | |
| Operating Profit Margin | 0.28 | 0.26 | |
| Net Profit Margin | 0.16 | 0.21 | |
| Gross Profit Margin | 0.90 | 0.80 |
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 board of governors. To learn how to invest in VersaBank Stock, please use our How to Invest in VersaBank guide.You can also try the CEOs Directory module to screen CEOs from public companies around the world.