VersaBank (VBNK)
VersaBank Statistics
Share Statistics
VersaBank has 32.52M shares outstanding. The number of shares has increased by 25.24% in one year.
| Shares Outstanding | 32.52M |
| Shares Change (YoY) | 25.24% |
| Shares Change (QoQ) | 25.06% |
| Owned by Institutions (%) | n/a |
| Shares Floating | 20.48M |
| Failed to Deliver (FTD) Shares | 14 |
| FTD / Avg. Volume | 0.01% |
Short Selling Information
The latest short interest is 58.87K, so 0.18% of the outstanding shares have been sold short.
| Short Interest | 58.87K |
| Short % of Shares Out | 0.18% |
| Short % of Float | 0.29% |
| Short Ratio (days to cover) | 1 |
Valuation Ratios
The PE ratio is 14.18 and the forward PE ratio is 3.24. VersaBank's PEG ratio is -2.41.
| PE Ratio | 14.18 |
| Forward PE | 3.24 |
| PS Ratio | 5.05 |
| Forward PS | 1.6 |
| PB Ratio | 1.41 |
| P/FCF Ratio | 2.22 |
| PEG Ratio | -2.41 |
Enterprise Valuation
VersaBank has an Enterprise Value (EV) of 446.81M.
| EV / Sales | 4 |
| EV / EBITDA | 0 |
| EV / EBIT | 1.64 |
| EV / FCF | 1.76 |
Financial Position
The company has a current ratio of 0, with a Debt / Equity ratio of 0.27.
| Current Ratio | 0 |
| Quick Ratio | 0 |
| Debt / Equity | 0.27 |
| Debt / EBITDA | - |
| Debt / FCF | 0.43 |
| Interest Coverage | 0 |
Financial Efficiency
Return on Equity is 9.96% and Return on Invested Capital is 0%.
| Return on Equity | 9.96% |
| Return on Assets | 0.82% |
| Return on Invested Capital | 0% |
| Revenue Per Employee | $922.59K |
| Profits Per Employee | $328.5K |
| Employee Count | 121 |
| Asset Turnover | 0.02 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 15.04M |
| Effective Tax Rate | 27.46% |
Stock Price Statistics
The stock price has increased by 0.94% in the last 52 weeks. The beta is 1.13, so VersaBank's price volatility has been higher than the market average.
| Beta | 1.13 |
| 52-Week Price Change | 0.94% |
| 50-Day Moving Average | 11.38 |
| 200-Day Moving Average | 13.1 |
| Relative Strength Index (RSI) | 43.7 |
| Average Volume (20 Days) | 100.06K |
Income Statement
In the last 12 months, VersaBank had revenue of 111.63M and earned 39.75M in profits. Earnings per share was 1.44.
| Revenue | 111.63M |
| Gross Profit | 111.63M |
| Operating Income | 0 |
| Net Income | 39.75M |
| EBITDA | 0 |
| EBIT | -2.63M |
| Earnings Per Share (EPS) | 1.44 |
Balance Sheet
The company has 225.25M in cash and 108.58M in debt, giving a net cash position of 116.67M.
| Cash & Cash Equivalents | 225.25M |
| Total Debt | 108.58M |
| Net Cash | 116.67M |
| Retained Earnings | 181.24M |
| Total Assets | 4.97B |
| Working Capital | 546.19M |
Cash Flow
In the last 12 months, operating cash flow was 272.7M and capital expenditures -18.58M, giving a free cash flow of 254.13M.
| Operating Cash Flow | 272.7M |
| Capital Expenditures | -18.58M |
| Free Cash Flow | 254.13M |
| FCF Per Share | 9.43 |
Margins
Gross margin is 100%, with operating and profit margins of 0% and 35.61%.
| Gross Margin | 100% |
| Operating Margin | n/a |
| Pretax Margin | 49.08% |
| Profit Margin | 35.61% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 227.65% |
Dividends & Yields
VBNK pays an annual dividend of $0.09, which amounts to a dividend yield of 0.78%.
| Dividend Per Share | $0.09 |
| Dividend Yield | 0.78% |
| Dividend Growth (YoY) | -7.44% |
| Payout Ratio | 9.89% |
| Earnings Yield | 7.05% |
| FCF Yield | 45.1% |
Analyst Forecast
The average price target for VBNK is $18, which is 85.6% higher than the current price. The consensus rating is "Buy".
| Price Target | $18 |
| Price Target Difference | 85.6% |
| Analyst Consensus | Buy |
| Analyst Count | 3 |
Scores
| Altman Z-Score | 0.26 |
| Piotroski F-Score | 4 |