VersaBank Valuation
| VBNK Stock | USD 17.59 0.47 2.75% |
At this time, the company appears to be overvalued. VersaBank has a current Real Value of $15.44 per share. The regular price of the company is $17.59. Our model measures the value of VersaBank from inspecting the company fundamentals such as Shares Outstanding of 26 M, operating margin of 0.50 %, and Return On Equity of 0.12 as well as reviewing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting VersaBank's valuation include:
Price Book 1.5743 | Enterprise Value 314.9 M | Price Sales 3.9112 | Forward PE 10.1833 | Trailing PE 13.5873 |
Overvalued
Today
Please note that VersaBank's price fluctuation is not too volatile 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.
VersaBank's intrinsic value may or may not be the same as its current market price of 17.59, 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 17.59 | Real 15.44 | Target 11.6 | Hype 17.61 | Naive 17.84 |
The intrinsic value of VersaBank's stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence VersaBank's stock price.
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 valuation of 314.9 M with market capitalization of 445.16 M, debt of 110.62 M, and cash on hands of 84.21 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the VersaBank fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
314.9 M | 445.16 M | 110.62 M | 84.21 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 1.57. 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 may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| 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 | 69.6 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 2.57 percent. This suggests that the Company is making $0.0257 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. 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 previous year's revenue of 108.03 M. Net Income was 42.16 M with profit before overhead, payroll, taxes, and interest of 108.03 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 |
A single share of VersaBank represents a small ownership stake in the entity. As a stockholder of VersaBank, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
VersaBank Dividends Analysis For Valuation
At this time, VersaBank's Dividend Yield is quite stable compared to the past year. Dividend Paid And Capex Coverage Ratio is expected to rise to 22.59 this year, although the value of Dividends Paid will most likely fall to about 3.5 M. . At this time, VersaBank's Retained Earnings are quite stable compared to the past year. Price Earnings To Growth Ratio is expected to rise to 0.08 this year, although the value of Earnings Yield will most likely fall to 0.07.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 4.1 M | 3.5 M | |
| Dividend Yield | 0.02 | 0.02 | |
| Dividend Payout Ratio | 0.10 | 0.09 | |
| Dividend Paid And Capex Coverage Ratio | 21.52 | 22.59 |
There are various types of dividends VersaBank can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of VersaBank shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from VersaBank directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When VersaBank pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of VersaBank by the value of the dividends paid out.
VersaBank Growth Indicators
Investing in growth stocks can be very risky. If the company such as VersaBank does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 26.3 M | |
| Quarterly Earnings Growth Y O Y | -0.042 | |
| Forward Price Earnings | 10.1833 |
VersaBank Current Valuation Indicators
VersaBank's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final VersaBank's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as VersaBank, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use VersaBank's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes VersaBank's worth.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 board of governors. For more information on how to buy VersaBank Stock please use our How to buy in VersaBank Stock guide.You can also try the Portfolio Manager module to state of the art Portfolio Manager to monitor and improve performance of your invested capital.
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.