At this time, the company appears to be undervalued. VersaBank has a current Real Value of USD23.94 per share. The regular price of the company is USD21.53. Our model measures the value of VersaBank from inspecting the company fundamentals such as Return On Equity of 0.0611, operating margin of 0.29 %, and Shares Outstanding of 31.95 M as well as reviewing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting VersaBank's valuation include:
Price Book
1.2912
Enterprise Value
212.7 M
Price Sales
5.7207
Forward PE
15.3846
Trailing PE
23.9222
Undervalued
Today 21.53
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 21.53
Real 23.94
Hype 21.52
Naive 22.45
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
702.41 Million
VersaBank Total Value Analysis
VersaBank is at this time estimated to have takeover price of 212.68 M with market capitalization of 687.79 M, debt of 106.18 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
About 32.0% of the company outstanding shares are owned by insiders. The company has Price to Book (P/B) ratio of 1.29. 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 9th of January 2026. VersaBank may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The recent return on assets of VersaBank suggests not a very effective usage of assets in January.
Yuan Drop
Covid
Taking into consideration VersaBank's profitability measurements, VersaBank is performing exceptionally good at this time. It has a great probability to showcase excellent profitability results in February. Profitability indicators assess VersaBank's ability to earn profits and add value for shareholders.
Net Income
First Reported
2011-07-31
Previous Quarter
6.6 M
Current Value
5.2 M
Quarterly Volatility
3.4 M
Yuan Drop
Covid
As of the 25th of January 2026, Gross Profit is likely to grow to about 145.2 M. Also, Pretax Profit Margin is likely to grow to 0.15
For VersaBank profitability analysis, we use financial ratios and fundamental drivers that measure the ability of VersaBank to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well VersaBank utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between VersaBank's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of VersaBank over time as well as its relative position and ranking within its peers.
By analyzing VersaBank's earnings estimates, investors can diagnose different trends across VersaBank's analyst sentiment over time as well as compare current EPS estimates against different timeframes. Please be aware that the consensus of earnings estimates for VersaBank is based on EPS before non-recurring items and includes expenses related to employee stock options.
Yuan Drop
Covid
VersaBank is projected to generate 0.25 in earnings per share on the 31st of January 2026. VersaBank earnings estimates show analyst consensus about projected VersaBank EPS (Earning Per Share). It derives the highest and the lowest estimates based on VersaBank's historical volatility. Many public companies, such as VersaBank, manage the perception of their earnings on a regular basis to make sure that analyst estimates are accurate. Future earnings calculations are also an essential input when attempting to value a firm.
VersaBank Earnings per Share Projection vs Actual
VersaBank 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.
VersaBank Profitability Analysis
The company reported the revenue of 304.15 M. Net Income was 28.46 M with profit before overhead, payroll, taxes, and interest of 120.23 M.
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.
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.You can also try the Transaction History module to view history of all your transactions and understand their impact on performance.
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.