VersaBank (VBNK.TO)
Company Info
| ISIN | CA92512J1066 |
|---|---|
| CUSIP | 92512J106 |
| Sector | Financial Services |
| Industry | Banks - Regional |
Highlights
| Market Cap | CA$595.72M |
|---|---|
| EPS (TTM) | CA$1.76 |
| PE Ratio | 13.02 |
| Total Revenue (TTM) | CA$172.07M |
| Gross Profit (TTM) | CA$145.08M |
| EBITDA (TTM) | CA$385.00K |
| Year Range | CA$10.16 - CA$23.73 |
| Target Price | CA$19.67 |
| Short Ratio | 1.22 |
Share Price Chart
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Popular comparisons: VBNK.TO vs. CEU.TO
Performance
Performance Chart
The chart shows the growth of an initial investment of CA$10,000 in VersaBank, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.
Returns By Period
VersaBank had a return of 59.22% year-to-date (YTD) and 118.00% in the last 12 months. Over the past 10 years, VersaBank had an annualized return of 16.52%, outperforming the S&P 500 benchmark which had an annualized return of 11.31%.
| Period | Return | Benchmark |
|---|---|---|
| Year-To-Date | 59.22% | 24.72% |
| 1 month | 11.87% | 2.30% |
| 6 months | 75.71% | 12.31% |
| 1 year | 118.00% | 32.12% |
| 5 years (annualized) | 28.46% | 13.81% |
| 10 years (annualized) | 16.52% | 11.31% |
Monthly Returns
The table below presents the monthly returns of VBNK.TO, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | 5.41% | 4.90% | -10.84% | -4.65% | -2.72% | 11.17% | 13.22% | 8.83% | -0.28% | 15.99% | 59.22% | ||
| 2023 | 3.52% | -2.20% | -2.06% | -0.55% | -5.24% | 6.38% | 15.89% | -0.52% | -7.39% | -2.49% | 4.25% | 34.63% | 45.24% |
| 2022 | -1.97% | -0.81% | -0.82% | -10.05% | -10.98% | -18.55% | 0.06% | 4.56% | -1.62% | -3.88% | -3.34% | 12.58% | -32.29% |
| 2021 | 24.09% | 46.22% | -3.39% | -3.03% | -5.86% | 5.34% | -10.62% | 2.86% | 2.23% | 5.87% | 9.07% | -6.58% | 70.94% |
| 2020 | -1.13% | -8.20% | -22.11% | 5.23% | 16.34% | -2.01% | 9.73% | 1.30% | -4.70% | -1.27% | 13.20% | 19.04% | 19.52% |
| 2019 | 3.41% | 2.29% | -3.03% | 1.97% | -3.33% | -1.65% | -0.85% | -2.27% | 1.60% | -5.87% | 13.70% | 1.07% | 5.89% |
| 2018 | 18.31% | -1.12% | 1.97% | -2.34% | 3.54% | -4.11% | -1.57% | 2.18% | 4.98% | -4.35% | 7.38% | -4.89% | 19.31% |
| 2017 | -5.10% | 3.10% | -2.41% | -3.49% | -5.11% | 4.71% | -3.64% | 5.33% | 16.24% | 5.26% | 5.86% | -1.14% | 19.02% |
| 2016 | -14.29% | -3.75% | 25.32% | -5.01% | 1.09% | 5.22% | -5.13% | 4.32% | -6.74% | -5.56% | 0.59% | -0.59% | -8.93% |
| 2015 | -5.16% | 4.21% | 3.03% | -4.25% | -1.02% | -6.90% | -6.48% | 1.78% | -15.76% | 31.41% | -11.78% | 11.55% | -6.82% |
| 2014 | -7.01% | -4.77% | -0.16% | 5.50% | -4.91% | 1.61% | -9.21% | 0.53% | -2.61% | 0.18% | 9.80% | -2.43% | -14.02% |
| 2013 | -6.34% | 7.52% | -9.09% | 7.54% | -1.55% |
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
The current risk-adjusted rank of VBNK.TO is 96, placing it in the top 4% of stocks on our website in terms of risk-adjusted performance. This ranking is based on the combined values of the indicators listed below.
Risk-Adjusted Performance Indicators
The charts below present risk-adjusted performance metrics for VersaBank (VBNK.TO) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.
Dividends
Dividend History
VersaBank provided a 0.43% dividend yield over the last twelve months, with an annual payout of CA$0.10 per share. The company has been increasing its dividends for 5 consecutive years.
| Period | TTM | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|
| Dividend | CA$0.10 | CA$0.10 | CA$0.10 | CA$0.10 | CA$0.10 | CA$0.07 | CA$0.04 |
Dividend yield | 0.43% | 0.69% | 0.99% | 0.66% | 1.13% | 0.93% | 0.56% |
Monthly Dividends
The table displays the monthly dividend distributions for VersaBank. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | CA$0.03 | CA$0.00 | CA$0.00 | CA$0.03 | CA$0.00 | CA$0.00 | CA$0.03 | CA$0.00 | CA$0.00 | CA$0.03 | CA$0.00 | CA$0.10 | |
| 2023 | CA$0.03 | CA$0.00 | CA$0.00 | CA$0.03 | CA$0.00 | CA$0.00 | CA$0.03 | CA$0.00 | CA$0.00 | CA$0.03 | CA$0.00 | CA$0.00 | CA$0.10 |
| 2022 | CA$0.03 | CA$0.00 | CA$0.00 | CA$0.03 | CA$0.00 | CA$0.00 | CA$0.03 | CA$0.00 | CA$0.00 | CA$0.03 | CA$0.00 | CA$0.00 | CA$0.10 |
| 2021 | CA$0.03 | CA$0.00 | CA$0.03 | CA$0.00 | CA$0.00 | CA$0.03 | CA$0.00 | CA$0.00 | CA$0.03 | CA$0.00 | CA$0.00 | CA$0.00 | CA$0.10 |
| 2020 | CA$0.03 | CA$0.00 | CA$0.00 | CA$0.03 | CA$0.00 | CA$0.00 | CA$0.03 | CA$0.00 | CA$0.00 | CA$0.03 | CA$0.00 | CA$0.00 | CA$0.10 |
| 2019 | CA$0.02 | CA$0.00 | CA$0.00 | CA$0.02 | CA$0.00 | CA$0.00 | CA$0.02 | CA$0.00 | CA$0.00 | CA$0.02 | CA$0.00 | CA$0.00 | CA$0.07 |
| 2018 | CA$0.01 | CA$0.00 | CA$0.00 | CA$0.01 | CA$0.00 | CA$0.00 | CA$0.01 | CA$0.00 | CA$0.00 | CA$0.01 | CA$0.00 | CA$0.00 | CA$0.04 |
Dividend Yield & Payout
Dividend Yield
Payout Ratio
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
Worst Drawdowns
The table below displays the maximum drawdowns of the VersaBank. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the VersaBank was 46.93%, occurring on May 5, 2023. Recovery took 299 trading sessions.
The current VersaBank drawdown is 1.75%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -46.93% | Nov 15, 2021 | 364 | May 5, 2023 | 299 | Jul 16, 2024 | 663 |
| -43.86% | Oct 29, 2013 | 409 | Sep 22, 2015 | 552 | Jan 10, 2018 | 961 |
| -41.41% | Feb 21, 2018 | 518 | Mar 18, 2020 | 180 | Dec 9, 2020 | 698 |
| -22.2% | Mar 1, 2021 | 142 | Sep 21, 2021 | 34 | Nov 9, 2021 | 176 |
| -13.38% | Sep 4, 2013 | 34 | Oct 22, 2013 | 2 | Oct 24, 2013 | 36 |
Volatility
Volatility Chart
The current VersaBank volatility is 9.67%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Financials
Financial Performance
Historical P/E Ratio Chart
The chart below displays the historical trend of the price-to-earnings (P/E) ratio for VersaBank.
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Income Statement
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