VersaBank stock
VBNKNASDAQFinancial ServicesISIN CA92512J1066
60Score 60 out of 100, Neutral
Price and trend
90 / 100
Price history
+106% in one yearThe chart shows daily closes over 9 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 26% above it.
Since October 2025 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 55).
The price is 3.2% below its 52-week high. Largest decline in 9 years: 51% (November 2021 to May 2023).
Chart figures for advanced users
- SMA 50$22.62
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$19.10
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)55
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$11.26
- The lowest closing price of the last twelve months.
- Resistance$24.76
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- VersaBank belongs to the Banks (Regional) industry (Canada) and, with a market value of $777.09M, is number 322 of 420 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $84.38M (up 7.7% year on year) and earnings of $19.97M (down 28.4%).
- MEQIRI Score 60 out of 100 (Neutral): rank 733 of 975 in Financial Services, median 68.
Show more
- The P/E is 32.4 (Banks (Regional) median 12.2, own median of recent years 8.7).
- Our model puts fair value at $8.38, with the price 186% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Analysts expect strong earnings growthUp 47.6% a year through 2027 (estimates from 2 analysts).Growth 72
- Growing faster than its industryRevenue up 17.3% a year since 2020, Banks (Regional) median 7.5%.Growth 72
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 71
Weaknesses
- DilutionShare count up 49% since 2020.Capital allocation 27
- Above fair valuePrice 186% above the fair value of $8.38.Valuation 25
- Richly valuedP/E 32.4, Banks (Regional) median 12.2, own median 8.7.Valuation 25
Its standout strengths are momentum and technical analysis, while capital allocation and valuation hold the score back.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among smaller stocks.
From 2016 to 2025, 20 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- price up very strongly over the past year
- high price swings
What lowers it
- price near its 52-week high
- stable momentum
Valuation
Valuation signal
Significantly overvaluedIn our model the price counts as cheap below $5.99 and expensive above $13.97 (uncertainty high, based on the price swings of the past year).
The two parts of the fair value come to $7.71 (excess return model) and $9.06 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is above both.
Calculated with a cost of equity of 8.2%. At 9.2% the fair value would be $7.74, at 7.2% it would be $9.35.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 31 Jul 2026, revenue rose 27.5% on the twelve months before. Revenue has grown solidly since 2011, at about 11% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 35%, net 24%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 7 Jan 2027in 55 days
- Last reported
- 3 Sep 2026EPS reported 0.27 (expected 0.34)below expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- 2.69+0.5%
- Revenue
- $148.88M+0.5%
- Earnings per share
- 3.46+0.5%
- Revenue
- $178.96M+0.5%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook mixed
Share price after the results: +16.2%Growth is expected to accelerate further next year, but the net interest margin is expected to trend back to the 2.3% range.
“Much of this is due to the higher than typical liquidity levels, and we therefore expect NIM to trend back to the 2.3% range going forward.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 3 Sep 2026 (fiscal Q3 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases or sales in the last 6 months.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at VersaBank
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 60
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- Peapack-Gladstone FinancialPGC $816.06M68
- Independent BankIBCP $807.63M70
- South Plains FinancialSPFI $806.31M67
- Financial InstitutionsFISI $784.82M67
- Southern Missouri BancorpSMBC $775.2M69
- Shore BancsharesSHBI $756.4M69
- HomeTrust BancsharesHTB $746.85M74
- Washington Trust BancorpWASH $743.68M62
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Oct 2025
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 12 Nov 2026 ($1 = CA$1.4249)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 13 Dec 2024)
- Valuation signal Overvalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.