VersaBank Net Worth
VersaBank Net Worth Breakdown | VBNK |
VersaBank Net Worth Analysis
VersaBank's net worth analysis, or its valuation, is the process of determining the total value of the company. This involves assessing a range of factors, including VersaBank's financial performance, assets, liabilities, and potential for growth. The ultimate goal is to provide a clear understanding of VersaBank's overall worth, which can help investors make informed investment decisions. There are several methods that can be used to perform VersaBank's net worth analysis. One common approach is to calculate VersaBank's market capitalization.Another approach is to use the price-to-earnings ratio (P/E ratio), which compares VersaBank's stock price to its earnings per share (EPS). Discounted cash flow (DCF) analysis is another popular method for assessing VersaBank's net worth. This approach calculates the present value of VersaBank's future cash flows, taking into account factors such as growth rate, profitability, and risk. By comparing the present value of VersaBank's cash flows to its current stock price, investors can gain a better understanding of the company's overall value. Finally, investors may use comparable company analysis to evaluate VersaBank's net worth. This involves comparing VersaBank's financial metrics to similar companies in the same industry. By identifying companies with similar financial characteristics, investors can gain insight into VersaBank's net worth relative to its peers.
To determine if VersaBank is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding VersaBank's net worth research are outlined below:
| VersaBank had very high historical volatility over the last 90 days | |
| VersaBank is unlikely to experience financial distress in the next 2 years | |
| VersaBank has a poor financial position based on the latest SEC disclosures | |
| About 31.0% of the company outstanding shares are owned by insiders | |
| Latest headline from thelincolnianonline.com: VersaBank Plans Quarterly Dividend of 0.03 |
VersaBank Quarterly Good Will |
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VersaBank uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in VersaBank. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to VersaBank's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 13th of March 2024 Upcoming Quarterly Report | View | |
| 5th of June 2024 Next Financial Report | View | |
| 31st of January 2024 Next Fiscal Quarter End | View | |
| 11th of December 2024 Next Fiscal Year End | View | |
| 31st of October 2023 Last Quarter Report | View | |
| 31st of October 2023 Last Financial Announcement | View |
VersaBank Target Price Consensus
VersaBank target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. VersaBank's target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
| 4 | Buy |
Most VersaBank analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand VersaBank stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of VersaBank, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice Exposure ValuationVersaBank Target Price Projection
VersaBank's current and average target prices are 11.60 and 12.70, respectively. The current price of VersaBank is the price at which VersaBank is currently trading. On the other hand, VersaBank's target price is what analysts think the stock is worth or could sell for in the future. The more significant the discrepancy between the two prices, the more it stimulates investors to act.Target Price
Analyst Consensus On VersaBank Target Price
Know VersaBank's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as VersaBank is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading VersaBank backward and forwards among themselves. VersaBank's institutional investor refers to the entity that pools money to purchase VersaBank's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | John W. Rosenthal Capital Management, Inc. | 2025-03-31 | 200.2 K | Cox Capital Co Llc | 2025-03-31 | 183.7 K | Stifel Financial Corp | 2025-03-31 | 173.7 K | Elco Management Co., Llc | 2025-03-31 | 129.4 K | Bank Of America Corp | 2025-03-31 | 124.9 K | Td Waterhouse Canada Inc | 2025-03-31 | 123.6 K | Marshall Wace Asset Management Ltd | 2025-03-31 | 110.3 K | Renaissance Technologies Corp | 2025-03-31 | 97.3 K | Mt Lucas Management Lp | 2025-03-31 | 85 K | Alliancebernstein L.p. | 2025-03-31 | 2.8 M | Cibc World Markets Inc. | 2025-03-31 | 1.3 M |
Follow VersaBank's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 380.38 M.Project VersaBank's profitablity
The company has Profit Margin (PM) of 0.29 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.4 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.4.When accessing VersaBank's net worth, it's important to look at multiple sources and consider different scenarios. For example, gross profit margin measures VersaBank's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of VersaBank's profitability and make more informed investment decisions.
Evaluate VersaBank's management efficiency
At this time, VersaBank's Liabilities And Stockholders Equity is quite stable compared to the past year. Non Current Liabilities Total is expected to rise to about 4.6 B this year, although the value of Total Current Liabilities will most likely fall to about 10.6 M. VersaBank's management efficiency ratios could be used to measure how well VersaBank manages its routine affairs as well as how well it operates its assets and liabilities.Leadership effectiveness at VersaBank is a strong indicator of its financial stability. We analyze various metrics to provide insights into the stock's investment viability.
Enterprise Value Revenue 5.512 | Revenue | Quarterly Revenue Growth 0.027 | Revenue Per Share 3.895 | Return On Equity |
VersaBank Earnings Estimation Breakdown
The calculation of VersaBank's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of VersaBank is estimated to be 0.19 with the future projection ranging from a low of 0.183 to a high of 0.197. Please be aware that this consensus of annual earnings estimates for VersaBank is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
0.18 Lowest | Expected EPS | 0.20 Highest |
VersaBank Earnings Projection Consensus
Suppose the current estimates of VersaBank's value are higher than the current market price of the VersaBank stock. In this case, investors may conclude that VersaBank is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and VersaBank's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 31st of July 2025 | Current EPS (TTM) | |
| 3 | 68.07% | 0.19 | 0.19 | 0.81 |
VersaBank Earnings History
Earnings estimate consensus by VersaBank analysts from Wall Street is used by the market to judge VersaBank's stock performance. Investors also use these earnings estimates to evaluate and project the stock performance into the future in order to make their investment decisions. However, we recommend analyzing not only VersaBank's upcoming profit reports and earnings-per-share forecasts but also comparing them to our different valuation methods.VersaBank Quarterly Gross Profit |
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VersaBank Earnings per Share Projection vs Actual
Actual Earning per Share of VersaBank refers to what the company shows during its earnings calls or quarterly reports. The Expected EPS is what analysts covering VersaBank predict the company's earnings will be in the future. The higher the earnings per share of VersaBank, the better is its profitability. While calculating the Earning per Share, we use the weighted ratio, as the number of shares outstanding can change over time.VersaBank Estimated Months Earnings per Share
For an investor who is primarily interested in generating an income out of investing in entities such as VersaBank, the EPS ratio can tell if the company is intending to increase its current dividend. Although EPS is an essential tool for investors, it should not be used in isolation. EPS of VersaBank should always be considered in relation to other companies to make a more educated investment decision.VersaBank Quarterly Analyst Estimates and Surprise Metrics
Earnings surprises can significantly impact VersaBank's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2025-06-04 | 2025-04-30 | 0.21 | 0.19 | -0.02 | 9 | ||
2025-03-05 | 2025-01-31 | 0.27 | 0.19 | -0.08 | 29 | ||
2024-12-09 | 2024-10-31 | 0.29 | 0.14 | -0.15 | 51 | ||
2024-09-05 | 2024-07-31 | 0.34 | 0.27 | -0.07 | 20 | ||
2024-06-05 | 2024-04-30 | 0.34 | 0.33 | -0.01 | 2 | ||
2024-03-06 | 2024-01-31 | 0.34 | 0.35 | 0.01 | 2 | ||
2023-12-13 | 2023-10-31 | 0.31 | 0.35 | 0.04 | 12 | ||
2023-08-30 | 2023-07-31 | 0.3 | 0.28 | -0.02 | 6 | ||
2023-06-07 | 2023-04-30 | 0.27 | 0.28 | 0.01 | 3 | ||
2023-03-08 | 2023-01-31 | 0.2 | 0.25 | 0.05 | 25 | ||
2022-12-07 | 2022-10-31 | 0.16 | 0.17 | 0.01 | 6 | ||
2022-08-31 | 2022-07-31 | 0.21 | 0.2 | -0.01 | 4 | ||
2022-06-01 | 2022-04-30 | 0.17 | 0.13 | -0.04 | 23 | ||
2022-03-02 | 2022-01-31 | 0.18 | 0.15 | -0.03 | 16 | ||
2021-12-01 | 2021-10-31 | 0.19 | 0.19 | 0.0 | 0 | ||
2021-09-01 | 2021-07-31 | 0.21 | 0.2 | -0.01 | 4 | ||
2021-05-27 | 2021-04-30 | 0.21 | 0.21 | 0.0 | 0 | ||
2021-02-24 | 2021-01-31 | 0.17 | 0.18 | 0.01 | 5 | ||
2020-11-25 | 2020-10-31 | 0.18 | 0.2 | 0.02 | 11 | ||
2020-08-26 | 2020-07-31 | 0.19 | 0.1325 | -0.0575 | 30 | ||
2020-05-27 | 2020-04-30 | 0.25 | 0.1583 | -0.0917 | 36 | ||
2020-02-26 | 2020-01-31 | 0.26 | 0.1654 | -0.0946 | 36 | ||
2019-11-27 | 2019-10-31 | 0.27 | 0.1736 | -0.0964 | 35 | ||
2019-08-28 | 2019-07-31 | 0.24 | 0.1573 | -0.0827 | 34 | ||
2019-05-29 | 2019-04-30 | 0.24 | 0.1545 | -0.0855 | 35 | ||
2018-11-28 | 2018-10-31 | 0.14 | 0.16 | 0.02 | 14 | ||
2018-08-29 | 2018-07-31 | 0.13 | 0.15 | 0.02 | 15 | ||
2018-05-30 | 2018-04-30 | 0.13 | 0.14 | 0.01 | 7 | ||
2018-02-28 | 2018-01-31 | 0.11 | 0.12 | 0.01 | 9 | ||
2017-11-29 | 2017-10-31 | 0.1 | 0.17 | 0.07 | 70 | ||
2017-08-30 | 2017-07-31 | 0.1 | 0.08 | -0.02 | 20 | ||
2017-05-31 | 2017-04-30 | 0.1 | 0.13 | 0.03 | 30 | ||
2017-03-17 | 2017-01-31 | 0.09 | 0.14 | 0.05 | 55 | ||
2016-11-30 | 2016-10-31 | 0.11 | 0.09 | -0.02 | 18 | ||
2016-08-31 | 2016-07-31 | 0.09 | 0.09 | 0.0 | 0 | ||
2016-06-01 | 2016-04-30 | 0.04 | 0.08 | 0.04 | 100 | ||
2016-03-02 | 2016-01-31 | 0.07 | 0.09 | 0.02 | 28 | ||
2015-12-03 | 2015-10-31 | 0.12 | 0.11 | -0.01 | 8 | ||
2015-08-27 | 2015-07-31 | 0.1 | 0.05 | -0.05 | 50 | ||
2015-01-14 | 2014-10-31 | 0.06 | 0.13 | 0.07 | 116 | ||
2014-08-28 | 2014-07-31 | 0.11 | 0.05 | -0.06 | 54 | ||
2014-06-05 | 2014-04-30 | 0.06 | 0.06 | 0.0 | 0 | ||
2014-03-05 | 2014-01-31 | 0.08 | 0.07 | -0.01 | 12 |
VersaBank Corporate Management
| BA BA | VP Fin | Profile | |
| LLB BA | Chief Officer | Profile | |
| David Thoms | Senior Financing | Profile | |
| MBA MEng | Chief Officer | Profile | |
| BCom MBA | Chief Officer | Profile | |
| Terri Wilson | VP Control | Profile |
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 Transaction History module to view history of all your transactions and understand their impact on performance.
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 (0.42) | Dividend Share 0.1 | Earnings Share 0.81 | Revenue Per Share 3.895 | Quarterly Revenue Growth 0.027 |
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.