VersaBank Statistics
Share Statistics
VersaBank has 26.00M shares outstanding. The number of shares has increased by 0.15% in one year.
| Shares Outstanding | 26.00M |
| Shares Change (YoY) | n/a |
| Shares Change (QoQ) | 0% |
| Owned by Institutions (%) | n/a |
| Shares Floating | 14.09M |
| Failed to Deliver (FTD) Shares | 345 |
| FTD / Avg. Volume | 0.85% |
Short Selling Information
The latest short interest is 21.93K, so 0.08% of the outstanding shares have been sold short.
| Short Interest | 21.93K |
| Short % of Shares Out | 0.08% |
| Short % of Float | 0.16% |
| Short Ratio (days to cover) | 0.85 |
Valuation Ratios
The PE ratio is 13.67 and the forward PE ratio is 9.69.
| PE Ratio | 13.67 |
| Forward PE | 9.69 |
| PS Ratio | 4.87 |
| Forward PS | 2.8 |
| PB Ratio | 1.36 |
| P/FCF Ratio | 2.14 |
| PEG Ratio | n/a |
Enterprise Valuation
VersaBank has an Enterprise Value (EV) of -.
| EV / Earnings | null |
| EV / Sales | null |
| EV / EBITDA | null |
| EV / EBIT | null |
| EV / FCF | null |
Financial Position
The company has a current ratio of 0, with a Debt / Equity ratio of 0.26.
| Current Ratio | 0 |
| Quick Ratio | 0 |
| Debt / Equity | 0.26 |
| Total Debt / Capitalization | 20.43 |
| Cash Flow / Debt | 2.66 |
| Interest Coverage | 0 |
Financial Efficiency
Return on equity (ROE) is 0.1% and return on capital (ROIC) is 0%.
| Return on Equity (ROE) | 0.1% |
| Return on Assets (ROA) | 0.01% |
| Return on Capital (ROIC) | 0% |
| Revenue Per Employee | 938.09K |
| Profits Per Employee | 334.02K |
| Employee Count | 119 |
| Asset Turnover | 0.02 |
| Inventory Turnover | 0 |
Taxes
| Income Tax | 15.04M |
| Effective Tax Rate | 0.27 |
Stock Price Statistics
The stock price has increased by 52.42% in the last 52 weeks. The beta is 1.06, so VersaBank's price volatility has been higher than the market average.
| Beta | 1.06 |
| 52-Week Price Change | 52.42% |
| 50-Day Moving Average | 15.81 |
| 200-Day Moving Average | 12.29 |
| Relative Strength Index (RSI) | 42.01 |
| Average Volume (20 Days) | 40.68K |
Income Statement
In the last 12 months, VersaBank had revenue of $111.63M and earned $39.75M in profits. Earnings per share was $0.
| Revenue | 111.63M |
| Gross Profit | 111.63M |
| Operating Income | 0 |
| Net Income | 39.75M |
| EBITDA | 0 |
| EBIT | 0 |
| Earnings Per Share (EPS) | 0 |
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 | 4.84B |
| Working Capital | 226.21M |
Cash Flow
In the last 12 months, operating cash flow was $272.70M and capital expenditures -$18.58M, giving a free cash flow of $254.13M.
| Operating Cash Flow | 272.70M |
| Capital Expenditures | -18.58M |
| Free Cash Flow | 254.13M |
| FCF Per Share | 9.79 |
Margins
Gross margin is 100%, with operating and profit margins of 0% and 35.61%.
| Gross Margin | 100% |
| Operating Margin | 0% |
| Pretax Margin | 49.08% |
| Profit Margin | 35.61% |
| EBITDA Margin | 0% |
| EBIT Margin | 0% |
| FCF Margin | 227.65% |
Dividends & Yields
VBNK pays an annual dividend of $0.07, which amounts to a dividend yield of 0.45%.
| Dividend Per Share | $0.07 |
| Dividend Yield | 0.45% |
| Dividend Growth (YoY) | -4% |
| Payout Ratio | 6.67% |
| Earnings Yield | 0% |
| FCF Yield | 63.28% |
Analyst Forecast
The average price target for VBNK is $18, which is 16.6% higher than the current price. The consensus rating is "Buy".
| Price Target | $18 |
| Price Target Difference | 16.6% |
| Analyst Consensus | Buy |
| Analyst Count | 3 |
Scores
| Altman Z-Score | 0.2 |
| Piotroski F-Score | 7 |