VersaBank Historical Financial Ratios

VBNK Stock

USD 17.94 0.46 2.63%

VersaBank is promptly reporting on over 86 different financial statement accounts. To analyze all of these accounts together requires a lot of time and effort. However, using these accounts to derive some meaningful and actionable indicators such as Price To Sales Ratio of 3.55, Dividend Yield of 0.0212, PTB Ratio of 0.84 or Days Sales Outstanding of 72.38 will help investors to properly organize and evaluate VersaBank financial condition quickly.

Quick Ratio Current Ratio

Check out World Market Map to better understand how to build diversified portfolios, which includes a position in VersaBank. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors.

For more information on how to buy VersaBank Stock please use our How to buy in VersaBank Stock guide.

About VersaBank Financial Ratios Analysis

VersaBankFinancial ratios are relationships based on a company's financial information. They can serve as useful tools to evaluate VersaBank investment potential. Financial ratio analysis can also be defined as the process of presenting financial ratios, which are mathematical indicators calculated by comparing key financial information appearing on VersaBank financial statements. Financial ratios are useful tools that help investors analyze and compare relationships between different pieces of financial information across VersaBank history.

VersaBank Financial Ratios Chart

At this time, VersaBank's Operating Cash Flow Per Share is quite stable compared to the past year. PB Ratio is expected to rise to 0.84 this year, although the value of Capex To Depreciation will most likely fall to 0.22.

Price To Sales Ratio Dividend Yield Ptb Ratio Days Sales Outstanding Pe Ratio

Add Fundamental

Price To Sales Ratio

Price to Sales Ratio is figured by comparing VersaBank stock price to its revenues. An advantage to using Price to Sales ratio is that it is based on VersaBank sales, a figure that is much harder to manipulate than other VersaBank multiples. Because sales tend to be more stable P/S ratio can be a good tool for screening cyclical companies fluctuating earnings patterns. A valuation ratio that compares a company's stock price to its revenues, calculated by dividing the company's market cap by its total sales or revenue over a 12-month period.

Dividend Yield

Dividend Yield is VersaBank dividend as a percentage of VersaBank stock price. VersaBank dividend yield is a measure of VersaBank stock productivity, which can be interpreted as interest rate earned on an VersaBank investment. A financial ratio that shows how much a company pays out in dividends each year relative to its stock price, calculated as annual dividends per share divided by price per share.

Ptb Ratio

Price-to-Book ratio, a financial valuation metric used to compare a company's current market price to its book value. It provides insight into the value that market participants place on the company's equity relative to its net asset value.

Most ratios from VersaBank's fundamentals are interrelated and interconnected. However, analyzing fundamentals ratios one by one will only give a small insight into VersaBank current financial condition. On the other hand, looking into the entire matrix of fundamentals ratios, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in VersaBank. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors.

For more information on how to buy VersaBank Stock please use our How to buy in VersaBank Stock guide.At this time, VersaBank's Operating Cash Flow Per Share is quite stable compared to the past year. PB Ratio is expected to rise to 0.84 this year, although the value of Capex To Depreciation will most likely fall to 0.22.

	2021	2022	2023	2024 (projected)
Dividend Yield	0.0146	0.0132	0.0152	0.0212
Price To Sales Ratio	3.09	2.52	2.9	3.55

Dividend Yield Price To Sales Ratio

VersaBank fundamentals Correlations

	Price To Sales Ratio	Dividend Yield	Ptb Ratio	Days Sales Outstanding	Book Value Per Share	Free Cash Flow Yield	Operating Cash Flow Per Share	Capex To Depreciation	Pb Ratio	Ev To Sales	Free Cash Flow Per Share	Roic	Net Income Per Share	Payables Turnover	Average Inventory	Capex To Revenue	Cash Per Share	Pocfratio	Interest Coverage	Payout Ratio	Capex To Operating Cash Flow	Pfcf Ratio	Days Payables Outstanding	Income Quality	Roe	Ev To Operating Cash Flow
Price To Sales Ratio		-0.51	0.66	0.48	-0.13	-0.53	-0.65	-0.26	0.66	0.08	-0.66	0.02	-0.28	-0.06	-0.14	-0.26	0.63	-0.29	0.03	0.16	-0.03	-0.3	-0.06	-0.51	-0.48	-0.04
Dividend Yield	-0.51		-0.52	-0.39	-0.1	0.49	0.47	0.05	-0.52	-0.57	0.49	-0.17	0.02	-0.08	0.33	0.04	0.15	0.34	-0.08	0.25	0.04	0.34	-0.08	0.24	0.03	0.13
Ptb Ratio	0.66	-0.52		0.46	-0.37	-0.3	-0.33	-0.31	1.0	0.03	-0.34	0.16	-0.2	0.11	-0.17	-0.3	0.43	-0.46	-0.09	0.06	-0.05	-0.47	0.11	-0.23	-0.22	0.02
Days Sales Outstanding	0.48	-0.39	0.46		-0.46	-0.59	-0.49	-0.27	0.46	0.12	-0.5	0.07	-0.47	0.11	-0.01	-0.24	0.09	-0.21	-0.1	0.22	0.01	-0.22	0.11	-0.81	-0.74	0.02
Book Value Per Share	-0.13	-0.1	-0.37	-0.46		0.32	0.22	-0.07	-0.37	0.42	0.22	-0.68	0.66	0.13	-0.46	-0.11	-0.17	0.35	-0.26	-0.48	0.05	0.36	0.13	0.29	0.59	-0.04
Free Cash Flow Yield	-0.53	0.49	-0.3	-0.59	0.32		0.96	0.32	-0.3	-0.27	0.96	-0.14	0.64	0.27	-0.24	0.3	0.07	0.44	-0.38	-0.53	0.35	0.44	0.27	0.68	0.67	0.28
Operating Cash Flow Per Share	-0.65	0.47	-0.33	-0.49	0.22	0.96		0.24	-0.33	-0.2	1.0	-0.09	0.67	0.39	-0.3	0.23	-0.1	0.48	-0.47	-0.57	0.32	0.49	0.39	0.66	0.64	0.38
Capex To Depreciation	-0.26	0.05	-0.31	-0.27	-0.07	0.32	0.24		-0.31	-0.2	0.25	0.56	0.04	-0.14	0.28	1.0	-0.1	0.03	0.45	-0.29	0.14	0.03	-0.14	0.17	0.3	-0.06
Pb Ratio	0.66	-0.52	1.0	0.46	-0.37	-0.3	-0.33	-0.31		0.03	-0.34	0.16	-0.2	0.11	-0.17	-0.3	0.43	-0.46	-0.09	0.06	-0.05	-0.47	0.11	-0.23	-0.22	0.02
Ev To Sales	0.08	-0.57	0.03	0.12	0.42	-0.27	-0.2	-0.2	0.03		-0.22	-0.31	0.4	0.3	-0.67	-0.22	-0.62	-0.08	-0.08	-0.46	-0.16	-0.07	0.3	0.08	0.07	-0.24
Free Cash Flow Per Share	-0.66	0.49	-0.34	-0.5	0.22	0.96	1.0	0.25	-0.34	-0.22		-0.08	0.65	0.37	-0.27	0.24	-0.09	0.47	-0.45	-0.54	0.32	0.48	0.37	0.67	0.64	0.36
Roic	0.02	-0.17	0.16	0.07	-0.68	-0.14	-0.09	0.56	0.16	-0.31	-0.08		-0.37	-0.12	0.33	0.59	0.01	-0.29	0.5	0.09	-0.01	-0.29	-0.12	-0.07	-0.11	-0.01
Net Income Per Share	-0.28	0.02	-0.2	-0.47	0.66	0.64	0.67	0.04	-0.2	0.4	0.65	-0.37		0.55	-0.77	-0.01	-0.18	0.53	-0.58	-0.88	0.18	0.55	0.55	0.57	0.75	0.39
Payables Turnover	-0.06	-0.08	0.11	0.11	0.13	0.27	0.39	-0.14	0.11	0.3	0.37	-0.12	0.55		-0.73	-0.16	-0.14	0.33	-0.55	-0.56	0.14	0.35	1.0	0.18	0.24	0.45
Average Inventory	-0.14	0.33	-0.17	-0.01	-0.46	-0.24	-0.3	0.28	-0.17	-0.67	-0.27	0.33	-0.77	-0.73		0.3	0.16	-0.27	0.57	0.75	-0.13	-0.28	-0.73	-0.24	-0.3	-0.23
Capex To Revenue	-0.26	0.04	-0.3	-0.24	-0.11	0.3	0.23	1.0	-0.3	-0.22	0.24	0.59	-0.01	-0.16	0.3		-0.11	0.0	0.48	-0.25	0.16	0.0	-0.16	0.14	0.26	-0.09
Cash Per Share	0.63	0.15	0.43	0.09	-0.17	0.07	-0.1	-0.1	0.43	-0.62	-0.09	0.01	-0.18	-0.14	0.16	-0.11		0.02	-0.16	0.25	0.19	0.01	-0.14	-0.22	-0.2	0.28
Pocfratio	-0.29	0.34	-0.46	-0.21	0.35	0.44	0.48	0.03	-0.46	-0.08	0.47	-0.29	0.53	0.33	-0.27	0.0	0.02		-0.7	-0.41	0.68	1.0	0.33	0.11	0.35	0.76
Interest Coverage	0.03	-0.08	-0.09	-0.1	-0.26	-0.38	-0.47	0.45	-0.09	-0.08	-0.45	0.5	-0.58	-0.55	0.57	0.48	-0.16	-0.7		0.45	-0.51	-0.7	-0.55	-0.1	-0.24	-0.77
Payout Ratio	0.16	0.25	0.06	0.22	-0.48	-0.53	-0.57	-0.29	0.06	-0.46	-0.54	0.09	-0.88	-0.56	0.75	-0.25	0.25	-0.41	0.45		-0.21	-0.44	-0.56	-0.37	-0.65	-0.35
Capex To Operating Cash Flow	-0.03	0.04	-0.05	0.01	0.05	0.35	0.32	0.14	-0.05	-0.16	0.32	-0.01	0.18	0.14	-0.13	0.16	0.19	0.68	-0.51	-0.21		0.66	0.14	0.1	0.13	0.55
Pfcf Ratio	-0.3	0.34	-0.47	-0.22	0.36	0.44	0.49	0.03	-0.47	-0.07	0.48	-0.29	0.55	0.35	-0.28	0.0	0.01	1.0	-0.7	-0.44	0.66		0.35	0.12	0.37	0.76
Days Payables Outstanding	-0.06	-0.08	0.11	0.11	0.13	0.27	0.39	-0.14	0.11	0.3	0.37	-0.12	0.55	1.0	-0.73	-0.16	-0.14	0.33	-0.55	-0.56	0.14	0.35		0.18	0.24	0.45
Income Quality	-0.51	0.24	-0.23	-0.81	0.29	0.68	0.66	0.17	-0.23	0.08	0.67	-0.07	0.57	0.18	-0.24	0.14	-0.22	0.11	-0.1	-0.37	0.1	0.12	0.18		0.68	0.04
Roe	-0.48	0.03	-0.22	-0.74	0.59	0.67	0.64	0.3	-0.22	0.07	0.64	-0.11	0.75	0.24	-0.3	0.26	-0.2	0.35	-0.24	-0.65	0.13	0.37	0.24	0.68		0.27
Ev To Operating Cash Flow	-0.04	0.13	0.02	0.02	-0.04	0.28	0.38	-0.06	0.02	-0.24	0.36	-0.01	0.39	0.45	-0.23	-0.09	0.28	0.76	-0.77	-0.35	0.55	0.76	0.45	0.04	0.27

Click cells to compare fundamentals

VersaBank Account Relationship Matchups

VersaBank fundamentals Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Dividend Yield	0.0307	0.0119	0.0146	0.0132	0.0152	0.0212
Ptb Ratio	0.55	0.97	0.73	0.72	0.83	0.84
Days Sales Outstanding	52.16	48.47	45.85	60.53	69.61	72.38
Book Value Per Share	12.09	15.27	12.73	14.35	12.92	8.16
Free Cash Flow Yield	1.0	(0.34)	(0.13)	0.35	0.31	0.33
Operating Cash Flow Per Share	6.61	(4.98)	(1.19)	3.98	3.58	3.76
Capex To Depreciation	0.21	0.008097	0.3	0.2	0.23	0.22
Pb Ratio	0.55	0.97	0.73	0.72	0.83	0.84
Free Cash Flow Per Share	6.6	(4.98)	(1.21)	3.59	3.23	3.39
Net Income Per Share	0.92	1.03	0.83	1.6	1.44	1.52
Capex To Revenue	0.004522	2.14E-4	0.007052	0.003351	0.003854	0.003661
Cash Per Share	12.2	12.53	3.26	5.03	5.79	8.71
Pocfratio	1.0	(2.98)	(7.8)	2.6	2.34	2.46
Interest Coverage	0.84	1.05	1.65	0.45	0.51	0.49
Capex To Operating Cash Flow	0.001755	(1.29E-4)	(0.0178)	0.003463	0.003116	0.003272
Pfcf Ratio	1.0	(2.98)	(7.67)	2.88	2.6	2.73
Income Quality	7.19	(4.84)	(1.44)	2.48	2.23	2.34
Roe	0.076	0.0674	0.0649	0.11	0.1	0.0518
Pe Ratio	7.17	14.42	11.24	6.46	7.42	7.05
Return On Tangible Assets	0.0114	0.0101	0.009303	0.00696	0.00905	0.005644
Intangibles To Total Assets	0.007166	0.00389	0.002738	0.002034	0.00183	0.001464
Net Debt To E B I T D A	(8.64)	(5.26)	0.47	(0.36)	(0.33)	(0.34)
Current Ratio	2.64	2.4	11.56	0.0373	0.0429	0.0407
Tangible Book Value Per Share	11.43	14.84	12.4	14.03	12.63	8.06
Receivables Turnover	7.0	7.53	7.96	6.03	5.43	4.74
Graham Number	15.81	18.8	15.38	22.77	20.49	21.51
Shareholders Equity Per Share	12.09	15.27	12.73	14.35	12.92	8.16
Debt To Equity	0.16	0.0534	0.29	0.3	0.28	0.39
Capex Per Share	0.0116	6.44E-4	0.0212	0.0138	0.0158	0.031
Graham Net Net	(73.61)	(89.16)	(105.06)	(140.53)	(161.61)	(169.69)
Revenue Per Share	2.55	2.57	3.0	4.11	3.7	1.9

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When determining whether VersaBank is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if VersaBank Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Versabank Stock. Highlighted below are key reports to facilitate an investment decision about Versabank Stock:

How To Invest In VersaBank

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Is VersaBank Stock a good investment?

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What is VersaBank's Net Worth?

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Largest Banks - Regional Companies

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For more information on how to buy VersaBank Stock please use our How to buy in VersaBank Stock guide.

You can also try the Portfolio Volatility module to check portfolio volatility and analyze historical return density to properly model market risk.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of VersaBank. If investors know VersaBank will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about VersaBank listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.04)

Dividend Share

0.1

Earnings Share

1.25

Revenue Per Share

4.385

Quarterly Revenue Growth

0.012

The market value of VersaBank is measured differently than its book value, which is the value of VersaBank that is recorded on the company's balance sheet. Investors also form their own opinion of VersaBank's value that differs from its market value or its book value, called intrinsic value, which is VersaBank's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because VersaBank's market value can be influenced by many factors that don't directly affect VersaBank's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between VersaBank's value and its price as these two are different measures arrived at by different means. Investors typically determine if VersaBank is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, VersaBank's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Price To Sales Ratio	Dividend Yield
Ptb Ratio	Days Sales Outstanding
Book Value Per Share	Free Cash Flow Yield
Invested Capital	Operating Cash Flow Per Share
Average Payables	Stock Based Compensation To Revenue
Capex To Depreciation	Pb Ratio
Ev To Sales	Free Cash Flow Per Share
Roic	Inventory Turnover
Net Income Per Share	Days Of Inventory On Hand
Payables Turnover	Sales General And Administrative To Revenue
Average Inventory	Research And Ddevelopement To Revenue
Capex To Revenue	Cash Per Share
Pocfratio	Interest Coverage
Payout Ratio	Capex To Operating Cash Flow
Pfcf Ratio	Days Payables Outstanding
Net Current Asset Value	Income Quality
Roe	Tangible Asset Value
Ev To Operating Cash Flow	Pe Ratio
Return On Tangible Assets	Ev To Free Cash Flow
Earnings Yield	Intangibles To Total Assets
Net Debt To E B I T D A	Current Ratio
Tangible Book Value Per Share	Receivables Turnover
Graham Number	Shareholders Equity Per Share
Debt To Equity	Capex Per Share
Graham Net Net	Average Receivables
Revenue Per Share	Interest Debt Per Share
Debt To Assets	Enterprise Value Over E B I T D A
Short Term Coverage Ratios	Price Earnings Ratio
Operating Cycle	Price Book Value Ratio
Price Earnings To Growth Ratio	Days Of Payables Outstanding
Dividend Payout Ratio	Price To Operating Cash Flows Ratio
Price To Free Cash Flows Ratio	Pretax Profit Margin
Ebt Per Ebit	Operating Profit Margin
Effective Tax Rate	Company Equity Multiplier
Long Term Debt To Capitalization	Total Debt To Capitalization
Return On Capital Employed	Debt Equity Ratio
Ebit Per Revenue	Quick Ratio
Dividend Paid And Capex Coverage Ratio	Net Income Per E B T
Cash Ratio	Cash Conversion Cycle
Operating Cash Flow Sales Ratio	Days Of Inventory Outstanding
Days Of Sales Outstanding	Free Cash Flow Operating Cash Flow Ratio
Cash Flow Coverage Ratios	Price To Book Ratio
Fixed Asset Turnover	Capital Expenditure Coverage Ratio
Price Cash Flow Ratio	Enterprise Value Multiple
Debt Ratio	Cash Flow To Debt Ratio
Price Sales Ratio	Return On Assets
Asset Turnover	Net Profit Margin
Gross Profit Margin	Price Fair Value
Return On Equity

VersaBank Historical Financial Ratios

About VersaBank Financial Ratios Analysis

VersaBank Financial Ratios Chart

Price To Sales Ratio

Dividend Yield

Ptb Ratio

VersaBank fundamentals Correlations

VersaBank Account Relationship Matchups

High Positive Relationship

High Negative Relationship

VersaBank fundamentals Accounts

Building efficient market-beating portfolios requires time, education, and a lot of computing power!

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Pb Ratio	+ 1.0	Ptb Ratio
Free Cash Flow Per Share	+ 1.0	Operating Cash Flow Per Share
Capex To Revenue	+ 1.0	Capex To Depreciation
Days Payables Outstanding	+ 1.0	Payables Turnover
Pfcf Ratio	+ 1.0	Pocfratio
Operating Cash Flow Per Share	+ 0.96	Free Cash Flow Yield

Payout Ratio	- 0.88	Net Income Per Share
Income Quality	- 0.81	Days Sales Outstanding
Ev To Operating Cash Flow	- 0.77	Interest Coverage
Average Inventory	- 0.77	Net Income Per Share
Roe	- 0.74	Days Sales Outstanding
Days Payables Outstanding	- 0.73	Average Inventory