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VersaBank (VBNK)

(Real Time Quote from BATS)

$11.30 USD

11.30
15,857

-0.65 (-5.44%)

Updated Jul 22, 2024 01:00 PM ET

Zacks Rank:

This is our short term rating system that serves as a timeliness indicator for stocks over the next 1 to 3 months. How good is it? See rankings and related performance below.

Zacks Rank Definition Annualized Return
1Strong Buy24.15%
2Buy17.88%
3Hold9.47%
4Sell5.14%
5Strong Sell2.57%
S&P50011.11%

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5-Strong Sell of 5         5

Style Scores:

The Style Scores are a complementary set of indicators to use alongside the Zacks Rank. It allows the user to better focus on the stocks that are the best fit for his or her personal trading style.

The scores are based on the trading styles of Value, Growth, and Momentum. There's also a VGM Score ('V' for Value, 'G' for Growth and 'M' for Momentum), which combines the weighted average of the individual style scores into one score.

Value Score A
Growth Score A
Momentum Score A
VGM Score A

Within each Score, stocks are graded into five groups: A, B, C, D and F. As you might remember from your school days, an A, is better than a B; a B is better than a C; a C is better than a D; and a D is better than an F.

As an investor, you want to buy stocks with the highest probability of success. That means you want to buy stocks with a Zacks Rank #1 or #2, Strong Buy or Buy, which also has a Score of an A or a B in your personal trading style.

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C Value B Growth A Momentum B VGM

Industry Rank:

The Zacks Industry Rank assigns a rating to each of the 265 X (Expanded) Industries based on their average Zacks Rank.

An industry with a larger percentage of Zacks Rank #1's and #2's will have a better average Zacks Rank than one with a larger percentage of Zacks Rank #4's and #5's.

The industry with the best average Zacks Rank would be considered the top industry (1 out of 265), which would place it in the top 1% of Zacks Ranked Industries. The industry with the worst average Zacks Rank (265 out of 265) would place in the bottom 1%.

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Top 19% (48 out of 250)

Industry: Banks - Foreign

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Balance Sheet

Research for VBNK

The Zacks Equity Research reports, or ZER for short, are our in-house, independently produced research reports.

The ever popular one-page Snapshot reports are generated for virtually every single Zacks Ranked stock. It's packed with all of the company's key stats and salient decision making information. Including the Zacks Rank, Zacks Industry Rank, Style Scores, the Price, Consensus & Surprise chart, graphical estimate analysis and how a stocks stacks up to its peers.

The detailed multi-page Analyst report does an even deeper dive on the company's vital statistics. In addition to all of the proprietary analysis in the Snapshot, the report also visually displays the four components of the Zacks Rank (Agreement, Magnitude, Upside and Surprise); provides a comprehensive overview of the company business drivers, complete with earnings and sales charts; a recap of their last earnings report; and a bulleted list of reasons to buy or sell the stock. It also includes an industry comparison table to see how your stock compares to its expanded industry, and the S&P 500.

Researching stocks has never been so easy or insightful as with the ZER Analyst and Snapshot reports.

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Fiscal Year End for VersaBank falls in the month of October.

All items in Millions except Per Share data.

10/31/2023 10/31/2022 10/31/2021 10/31/2020 10/31/2019
Assets          
Cash & Equivalents 98 69 216 192 105
Receivables 2,855 2,324 1,673 1,231 1,200
Notes Receivable 0 0 0 0 0
Inventories 0 0 0 0 0
Other Current Assets 0 0 0 0 0
Total Current Assets 2,953 2,393 1,889 1,423 1,304
Net Property & Equipment 0 0 0 0 0
Investments & Advances 125 110 0 0 8
Other Non-Current Assets 0 0 0 0 0
Deferred Charges 0 0 0 0 0
Intangibles 0 0 0 0 0
Deposits & Other Assets 38 34 32 23 32
Total Assets 3,115 2,537 1,921 1,446 1,343
Liabilities & Shareholders Equity 10/31/2023 10/31/2022 10/31/2021 10/31/2020 10/31/2019
Notes Payable 79 82 76 10 29
Accounts Payable 2,620 2,064 1,474 1,166 1,053
Current Portion Long-Term Debt 0 0 0 0 0
Current Portion Capital Leases 0 0 0 0 0
Accrued Expenses 0 0 0 0 0
Income Taxes Payable 0 0 0 0 0
Other Current Liabilities 0 0 0 0 0
Total Current Liabilities 2,699 2,146 1,550 1,176 1,082
Mortgages 0 0 0 0 0
Deferred Taxes/Income 0 0 0 0 0
Convertible Debt 0 0 0 0 0
Long-Term Debt 0 0 0 0 0
Non-Current Capital Leases 0 0 0 0 0
Other Non-Current Liabilities 137 119 107 80 81
Minority Interest (Liabilities) 0 0 0 0 0
Total Liabilities 2,835 2,264 1,657 1,256 1,163
Shareholders Equity 10/31/2023 10/31/2022 10/31/2021 10/31/2020 10/31/2019
Preferred Stock 0 0 0 0 0
Common Stock (Par) 169 186 192 135 137
Capital Surplus 2 1 0 0 0
Retained Earnings 108 85 72 54 44
Other Equity 0 0 0 0 0
Treasury Stock 0 0 0 0 0
Total Shareholder's Equity 280 272 264 190 181
Total Liabilities & Shareholder's Equity 3,115 2,537 1,921 1,446 1,343
Total Common Equity 280 272 264 190 181
Shares Outstanding 25.90 27.20 27.40 NA NA
Book Value Per Share 10.80 10.01 9.64 0.00 0.00

Fiscal Year End for VersaBank falls in the month of October.

All items in Millions except Per Share data.

4/30/2024 1/31/2024 10/31/2023 7/31/2023 4/30/2023
Assets          
Cash & Equivalents 146 94 98 66 168
Receivables 2,960 2,949 2,855 2,744 2,573
Notes Receivable 0 0 0 0 0
Inventories 0 0 0 0 0
Other Current Assets 0 0 0 0 0
Total Current Assets 3,106 3,043 2,953 2,809 2,741
Net Property & Equipment 0 0 0 0 0
Investments & Advances 76 98 125 137 30
Other Non-Current Assets 0 0 0 0 0
Deferred Charges 0 0 0 0 0
Intangibles 0 0 0 0 0
Deposits & Other Assets 50 48 38 36 35
Total Assets 3,232 3,190 3,115 2,983 2,806
Liabilities & Shareholders Equity 4/30/2024 1/31/2024 10/31/2023 7/31/2023 4/30/2023
Notes Payable 74 76 79 76 79
Accounts Payable 2,720 2,693 2,620 2,494 2,339
Current Portion Long-Term Debt 0 0 0 0 0
Current Portion Capital Leases 0 0 0 0 0
Accrued Expenses 0 0 0 0 0
Income Taxes Payable 0 0 0 0 0
Other Current Liabilities 0 0 0 0 0
Total Current Liabilities 2,795 2,769 2,699 2,570 2,417
Mortgages 0 0 0 0 0
Deferred Taxes/Income 0 0 0 0 0
Convertible Debt 0 0 0 0 0
Long-Term Debt 0 0 0 0 0
Non-Current Capital Leases 0 0 0 0 0
Other Non-Current Liabilities 143 137 140 120
Minority Interest (Liabilities) 0 0 0 0 0
Total Liabilities 2,937 2,902 2,835 2,709 2,538
Shareholders Equity 4/30/2024 1/31/2024 10/31/2023 7/31/2023 4/30/2023
Preferred Stock 0 0 0 0 0
Common Stock (Par) 168 169 169 171 172
Capital Surplus 2 2 2 2 2
Retained Earnings 124 117 108 101 94
Other Equity 0 0 0 0 0
Treasury Stock 0 0 0 0 0
Total Shareholder's Equity 295 288 280 274 268
Total Liabilities & Shareholder's Equity 3,232 3,190 3,115 2,983 2,806
Total Common Equity 295 288 280 274 268
Shares Outstanding 25.90 25.90 25.90 25.90 26.00
Book Value Per Share 11.38 11.12 10.80 10.56 10.32