VersaBank

NASDAQ
VBNK
Stock
Yield per half year: -22.32%
Dividend yield: 0.6067%
Sector: Financials

Reporting VersaBank

Capitalization

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM Average for 5 years CAGR 5
Capitalization, bln $
0.0841 0.116 0.1167 0.1077 0.3144 0.239 0.2017 0.1959 11.56
Revenue, bln $
0.0397 0.0438 0.0517 0.0539 0.0542 0.0654 0.0824 0.1086 0.1116 0.1116 0.0844 15.54
Net profit, bln $
0.0085 0.0195 0.0181 0.0202 0.0194 0.0224 0.0227 0.0422 0.0397 0.0397 0.0293 15.40
EV, bln $
0.0276 0.007 -0.1276 0.1389 0.269 0.2573 0.4188 0.4188 0.1913 -226.83
EBIT, bln $
0.009 0.0118 0.0147 0.0544 0.0278 0.0268 0.0308 0.0827 0.0576 0.0576 0.0451 15.68
EBITDA, bln $
0.0094 0.0125 0.0153 0.0551 0.0285 0.0279 0.0325 0.0846 0.0594 0.0594 0.0466 15.82
OIBDA $
0.0352 0.0409 0.1447 0.0749 0.0739 20.78
Book value, bln $
0.1859 0.2085 0.2236 0.2402 0.2553 0.3321 0.3491 0.3772 0.3992 0.3992 0.3426 9.35
FCF, bln $
-0.047 0.0756 -0.0159 0.0195 0.1394 -0.1083 -0.0332 0.0944 0.2541 0.2541 0.0693 12.76
Operating Cash Flow, bln $
-0.0467 0.0779 -0.0149 0.0198 0.1396 -0.1083 -0.0327 0.0947 0.2727 0.2727 0.0732 14.33
Operating profit, bln $
0.009 0.0118 0.0147 0.0544 0.0278 0.0268 0.0308 0.0827 0.0576 0.0576 0.0451 15.68
Operating expenses, bln $
0.0033 -0.0013 0.0027 -0.0261 -0.0274 -0.0346 0.000307 0.0504 0.1116 0.1116 0.0201 -232.43
CAPEX, bln $
0.000246 0.0022 0.000993 0.000242 0.000245 0.0000 0.000581 0.000362 0.0186 0.0186 0.0040 138.31


Balance sheet

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM Average for 5 years CAGR 5
Cash, bln $
0.094 0.1599 0.1298 0.1391 0.2576 0.2715 0.0886 0.1322 0.2253 0.2253 0.1950 -2.64
Short-Term Investments $
0.000953 0.000953 0.000953 0.000953 0.000953 0.0010 0.00
Long-Term Investments $
0.01 0.0101 0.0086 0.000953 0.1416 0.1689 0.0660 75.66
Accounts Receivable $
0.0073 0.0063 0.0074 0.0072 0.0068 0.0108 0.0185 0.0245 0.0325 0.0325 0.0186 36.73
Total Current Assets $
0.1012 0.1662 0.1372 0.1463 0.2645 0.2824 0.0886 0.1322 0.2262 0.2262 0.1988 -3.08
Net assets, bln $
0.008 0.0084 0.0079 0.0104 0.0119 0.011 0.01 0.01 0.0102 4.83
Assets, bln $
1.7 1.73 1.81 1.79 1.94 2.42 3.26 4.2 4.84 4.84 3.33 20.06
Short-Term Debt $
0.0087 0.000669 0.000708 0.000735 0.000735 0.0027 -46.09
Long-Term Debt $
0.0432 0.0382 0.0136 0.0953 0.105 0.1069 0.1025 0.1025 0.0847 49.77
Liabilities, bln $
1.52 1.52 1.59 1.55 1.69 2.08 2.92 3.82 4.44 4.44 2.99 21.31
Net debt, bln $
-0.0363 -0.1169 -0.0866 -0.1009 -0.2409 -0.1711 0.0164 -0.0216 -0.1167 -0.1167 -0.1068 -13.49
Debt, bln $
0.043 0.0382 0.0224 0.0959 0.105 0.1106 0.1086 0.1086 0.0885 37.12
Interest Income $
0.0809 0.0883 0.0861 0.0895 0.0767 0.2293 0.1140 21.03
Interest Expense, bln $
0.0313 0.0278 0.0294 0.0344 0.032 0.0293 0.0502 0.1293 0.1828 0.1828 0.0847 41.70
Net interest income, bln $
0.0515 0.0539 0.0541 0.0602 0.0767 0.1001 0.1705 0.0690 13.18
Goodwill $
0.0058 0.0058 0.0058 0.0058 0.00
Amortization, bln $
0.000776 0.000553 0.000623 0.000721 0.0011 0.0017 0.0019 0.0018 0.0026 0.0026 0.0018 18.77
Cost of production, bln $
-0.000609 -0.0006 0.00
Inventory $
-0.1396 -0.2579 -0.2742 0.1108 0.1568 0.1568 -0.0808 -202.35


Share

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Average for 5 years CAGR 5
EPS 0.35 0.48 0.75 0.6413 0.6562 0.96 0.8262 1.6 1.53 1.53 1.11 18.45
Share price 4.43 5.17 5.7 5.37 11.9 7.53 10.95 13.85 11.03 11.03 11.05 -1.51
Number of shares, mln 20.1 21.12 21.12 21.12 21.12 27.44 27.43 26.27 25.96 25.96 25.64 4.21
FCF/share -2.34 3.58 -0.7526 0.9249 6.6 -3.95 -1.21 3.59 9.79 9.79 2.96 8.21


Efficiency

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average Average for 5 years CAGR 5
ROE, % 4.56 9.34 8.08 8.41 7.6 6.74 6.65 11.61 10.24 10.24 -47.34 8.57 6.14
ROA, % 0.4969 1.13 0.999 1.13 0.9983 0.9267 0.7979 1.13 0.8794 0.8794 10.67 0.9465 -2.50
ROIC, % 8.79 8.53 6.13 5.78 9.38 6.57 7.72 1.31
ROS, % 44.41 34.97 37.46 35.81 34.24 27.5 38.81 35.61 35.61 35.61 26.44 34.35 0.79
ROCE, % 6.33 7.06 24.35 11.58 10.48 9.27 2.54 1.38 14.44 14.44 -61.28 7.62 6.62
EBIT margin 51.6 49.37 47.11 100.37 53.06 51.64 51.64 33.41 60.31 0.90
EBITDA margin 31.59 34.86 106.51 52.93 51.49 49.75 102.72 54.7 53.24 53.24 37.49 62.38 0.67
Net margin 21.35 44.41 34.97 37.46 35.81 34.24 27.5 38.81 35.61 35.61 26.43 34.39 -0.11
Operational efficiency, % 33.6 105.31 51.6 49.37 47.11 100.37 53.06 53.06 51.64 51.64 31.91 61.05 1.85
FCF yield, % 89.91 -13.71 16.75 129.42 -34.45 -13.91 46.77 28.92 22.80


Coefficients

IFRS
Reporting Annual Quarterly
2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average Average for 5 years CAGR 5
P/E
4.32 6.42 5.78 5.55 14.05 11.15 6.61 13.47 13.47 25.86 10.17 19.40
P/BV
0.4034 0.5187 0.4858 0.4218 0.9468 0.7238 0.7394 1.34 1.34 -12.42 0.8344 26.01
P/S
1.92 2.24 2.16 1.99 4.81 3.07 2.57 4.8 4.8 6.65 3.45 19.26
P/FCF
1.11 -7.29 5.97 0.7727 -2.9 -7.19 2.14 0 0 0 19.35 -0.2415 -18.55
E/P
0.2315 0.1559 0.1731 0.1802 0.0712 0.0948 0.209 0 0 0 0.05 0.1457 3.84
EV/EBIT
1.48 -3.27 4.97 3.25 4.46 4.32 7.26 7.26 20.36 4.85 7.87
EV/EBITDA
0.5021 0.111 -4.57 4.27 3.18 4.33 4.19 17.58 1.46 108.08
EV/S
0.755 -2.35 2.12 3.27 2.37 3.75 3.75 3.75 6.87 3.05 12.08
EV/FCF
2.08 -0.9156 -1.28 -8.09 2.73 1.65 1.65 1.65 24.70 -0.6680 -205.21
Debt/EBITDA
0.7839 0.6076 0.8021 2.95 1.24 1.86 1.81 1.83 1.83 1.93 1.94 -9.11
Netdebt/Ebitda
-7.65 -1.57 -3.54 -8.64 -5.26 0.1934 -0.3638 -0.3638 -1.96 -1.96 0.97 -1.5508 -17.92
Debt/Ratio
0.0214 0.0115 0.0397 0.0322 0.0263 0.0224 0.0224 0.0224 0.40 0.0286 -10.82
Debt/Equity
0.1593 0.0877 0.2889 0.3007 0.2933 0.272 11.12 11.12 -1.48 2.45 107.53
Debt/Net Income
1.89 1.15 4.29 4.63 2.62 2.73 2.73 2.73 3.28 3.40 -8.64
PEG
-20.6 -20.6 2.52 -20.6000 0.00
Beta
1.43 0.3025 0.187 0.187 0.56 0.6398 -49.24
Altman Index
0.0878 0.1618 0.1302 0.1297 0.199 0.6112 -0.1323 -0.2142 0.0024 0.0024 42.85 0.0932 -58.67


Dividends

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average Average for 5 years CAGR 5
Div. payout, bln
0.0018 0.0022 0.0022 0.003 0.0037 0.0043 0.0038 0.0036 0.0036 0.0028 0.0038 -0.55
Dividend
0.0109 0.0312 0.0527 0.0742 0.0795 0.076 0.0742 0.0725 0.0359 0.0899 0.0676 -14.70
Dividend yield, %
0.1804 0.5679 0.9533 1.46 0.6938 0.9726 0.6709 0.5288 0.6491 0.6067 1.81 0.7030 -1.32
Dividends / profit, %
25.99 11.3 16.84 18.21 22.06 17.18 16.46 8.54 9.03 9.03 56.58 14.65 -16.36
Dividend coverage ratio
14.2 14.2 32.92 14.20 0.00


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Other

IFRS
Reporting Annual Quarterly
2020 2021 2022 2023 2024 LTM CAGR 5
CAPEX/Revenue, %
0.4522 0.0214 0.7052 0.3332 16.64 16.64 105.67
Staff, people
110 119 4.01