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VersaBank(VBNK)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for VBNK
10/14/2026: VBNK (4-star) is a REGULAR-BUY. BUY for 26 days. Simulated Profits (0.92%). Updated daily EoD!
VersaBank is a specialized, branchless digital bank that focuses on niche lending, such as Point-of-Sale financing, alongside a unique cybersecurity arm. Its primary strength lies in its efficient, low-overhead digital model that enables it to compete in markets without a traditional branch network. The main investment story centers on the company’s ability to successfully expand its digital-first lending platform into the larger US market. However, investors face risks related to intense competition from larger financial institutions, sensitivity to interest rate fluctuations, and the execution challenges of international growth. VersaBank may best suit investors looking for exposure to niche fintech-banking models who can tolerate small-cap volatility.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | VersaBank offers growth potential via digital banking expansion but lacks the rapid scaling of high-growth tech firms. |
| Momentum investor | Weak fit | The stock often lacks the high-volume trading and sustained breakout signals typically required by momentum strategies. |
| Value investor | Strong fit | VersaBank often trades at valuations that may appeal to value investors looking for growth in a banking niche. |
| Dividend investor | Mixed fit | While it may pay a dividend, it is not primarily structured as a high-yield income stock for conservative dividend investors. |
| Low-risk investor | Weak fit | As a small-cap specialized bank, it carries higher volatility and regulatory risk than large-cap 'Big Five' financial institutions. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Small-cap banking stocks often experience greater price fluctuations compared to major financial indices. |
| Valuation risk | Medium | Investors must assess whether the stock's premium or discount is justified by its niche growth prospects. |
| Competition risk (traditional and fintech) | Medium / high | The bank faces pressure from well-capitalized traditional banks and emerging fintech disruptors. |
| Business quality | Medium | While the digital model is efficient, the franchise lacks the massive scale and market dominance of major banks. |
| Dividend income | Low | Dividend payouts are secondary to reinvestment and growth objectives for the bank. |
| Execution risk | Medium | The success of the US expansion strategy remains critical to long-term valuation appreciation. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 178.36% | Avg. Invested days 63 | Today’s Advisory Regular Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 10/14/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 734.29M USD | Price to earnings Ratio 29.8 | 1Y Target Price 25.5 |
Price to earnings Ratio 29.8 | 1Y Target Price 25.5 | ||
Volume (30-day avg) 158.0K shares | Beta 1 | 52 Weeks Range 11.21 - 25.01 | Updated Date 10/14/2026 |
52 Weeks Range 11.21 - 25.01 | Updated Date 10/14/2026 | ||
Dividends yield (FY) 0.11% | Basic EPS (TTM) 0.76 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Point-of-Sale (POS) Financing | Interest and fees generated from consumer financing partnerships. | The bank earns money by providing the backend funding for retail point-of-sale purchases. |
| Commercial Lending | Interest income from business and corporate loans. | A significant portion of earnings comes from interest on loans to small and mid-sized companies. |
| Cybersecurity Services | Fees from security software and consulting provided by DRT Cyber. | This adds a non-banking revenue stream centered on technical security consulting. |
Valuation
Trailing PE 29.8 | Forward PE 11.61 | Enterprise Value 349.22M | Price to Sales(TTM) 5.01 |
Enterprise Value 349.22M | Price to Sales(TTM) 5.01 | ||
Enterprise Value to Revenue 7.77 | Enterprise Value to EBITDA - | Shares Outstanding 32.42M | Shares Floating 20.93M |
Shares Outstanding 32.42M | Shares Floating 20.93M | ||
Percent Insiders 37.2 | Percent Institutions 38.14 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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