VersaBank (VBNK) Stock Score, Valuation & Financial Research
VersaBank is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 33/100.
Quick answer for VBNK
VersaBank currently has a Wall Street Score of 33/100. The stored market price is $22.62. Its financial score is 38/100. Its valuation score is 10/100. These figures are a research snapshot, not a buy or sell recommendation.
What VersaBank does
VersaBank, a federally regulated financial institution (Schedule I chartered bank) operating across Canada, delivers a diverse array of banking and lending solutions. Clients can choose from various deposit products, including Guaranteed Investment Certificates (GICs), Registered Retirement Savings Plans (RRSPs), Daily Interest Savings Accounts (DISAs), and Tax-Free Savings Accounts (TFSAs), all complemented by deposit protection. The bank also provides comprehensive lending services. This includes point-of-sale financing, where it acquires loan and lease receivables from other finance companies across numerous industries. Additionally, its commercial banking division supports sectors such as commercial real estate, public sector and infrastructure projects, condominium financing, and residential mortgages. Established in 1979, the institution was initially known as Pacific & Western Ban
VBNK financial snapshot
- Wall Street Score:
- 33/100
- Current price:
- $22.62
- Market capitalization:
- $728.3M
- Revenue:
- $231.0M
- Net income:
- $21.6M
- Free cash flow:
- $30.9M
- Cash:
- $403.5M
- Total debt:
- $74.1M
- EPS:
- 0.64
- P/E ratio:
- 35.4x
- Financial score:
- 38/100
- Valuation score:
- 10/100
- Revenue score:
- 31/100
What stands out
- Reported year-over-year revenue growth is +1.7%.
- Free cash flow is $30.9M, showing positive cash generation.
- The balance sheet shows $403.5M of cash versus $74.1M of total debt, leaving more cash than debt.
What the numbers mean
Its current valuation score is 10/100, which Wall Street Score classifies as weak within the model's valuation framework.
The financial score is 38/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research VBNK
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.