VersaBank
VBNKFinancial ServicesNASDAQBanks - Regional
Scan Results
Daily timeframeVersaBank provides various banking products and services in Canada and the United States. At a $580.3M market cap, VersaBank ranks as a small-cap company within financial services. The company operates through Digital Banking Canada; Digital Banking USA; and DRTC (cybersecurity services and banking and financial technology development) segments.
Market Cap
$580.3M
Beta
1.11
P/E (TTM)
25.77
P/E (Fwd)
9.58
EPS (TTM)
$0.70
EPS (Fwd)
$1.88
ROE
5.9%
ROA
0.6%
Cash
$628.0M
Total Debt
$105.2M
Free CF
—
52W Change
60.1%
Annual Financials
Cash vs Debt
With $628.0M in cash and $105.2M in debt, VBNK maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. Return on equity stands at 5.9%, which is modest for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 0.6% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $82.4M (2022) to $124.6M (2025), reflecting a 51% increase over the period.
With cash comfortably exceeding debt, VBNK has financial flexibility that may help navigate uncertain periods. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for VersaBank and its sector.