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VBNK

VersaBank

Financial Services · $726M market cap

Verdict

Share price

$22.40

close of Oct 3, 2026

Fair value

$7.54

Sticker Price

Payback Price

$3.02

buy price

Overpriced

VBNK is Overpriced: at $22.40 it trades 197% above its fair value of $7.54. Its buy price (Payback Price) is $3.02, 87% below today's price. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

1 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth1.3% a year✗
Equity per share growth9.7% a year✗
Sales growth6.0% a year✗
Free cash flow growth14.3% a year✓
Return on invested capital5.0%✗

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About VersaBank

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…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works