Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone - Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI Summary - About
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
11/13/2026: VBNK (4-star) is a STRONG-BUY. BUY for 48 days. Simulated Profits (9.82%). Updated daily EoD!
VersaBank is a digital-first, branchless Canadian bank known for its high-efficiency operating model and integrated cybersecurity services. Its main strength lies in its ability to maintain low overhead costs while serving niche lending segments like point-of-sale financing. The primary growth story is centered on scaling its proprietary VersaVault technology and expanding its cybersecurity division. However, investors face risks regarding intense competition from larger banks, interest rate volatility, and execution challenges in its niche markets. The stock may suit value-oriented investors who favor operational efficiency, though it is important to monitor the progress of its cybersecurity division and overall loan portfolio health.
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 | The company offers growth potential through its digital-first model, though it is limited by the scale of the Canadian banking market. |
| Momentum investor | Weak fit | The stock often exhibits lower trading volumes, making it less attractive for pure momentum-based strategies. |
| Value investor | Strong fit | Trading at reasonable multiples relative to traditional banks, it attracts value-oriented investors seeking efficiency. |
| Dividend investor | Mixed fit | The dividend yield is modest, as the company prioritizes capital reinvestment over high payouts. |
| Low-risk investor | Mixed fit | While a regulated bank, it is a smaller institution, which entails different risk dynamics than the major diversified banks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Smaller market capitalization often leads to wider price swings. |
| Valuation risk | Medium | Valuation is sensitive to changes in interest rate environments and growth expectations. |
| Competition risk (traditional banking) | High | Intense competition from established players with massive scale limits market share expansion. |
| Business quality | Medium | The branchless model is efficient but requires constant technological maintenance and cybersecurity investment. |
| Dividend income | Low | The company does not prioritize high dividend yields, focusing instead on growth capital. |
| Execution risk | Medium | Success depends on accurately scaling digital operations and managing cybersecurity threats. |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 775.14M USD | Price to earnings Ratio 31.46 | 1Y Target Price 25.5 |
Price to earnings Ratio 31.46 | 1Y Target Price 25.5 | ||
Volume (30-day avg) 99.4K shares | Beta 1.04 | 52 Weeks Range 11.21 - 25.01 | Updated Date 11/13/2026 |
52 Weeks Range 11.21 - 25.01 | Updated Date 11/13/2026 | ||
Dividends yield (FY) 0.10% | Basic EPS (TTM) 0.76 |
Sector & Industry Intelligence
Sector
Financial Services
Constructive- Sentiment
- Bullish
- Momentum
- BUY Breadth Improving
- BUY participation
- 50.4%
- Active BUY / eligible
- 61 / 121
- 30-Day BUY Count Change
- +45
- Market state
- Bullish
More qualifying stocks are receiving or maintaining BUY advisories, indicating improving market participation.
Industry
Banks - Regional
- BUY participation
- 53.8%
- Active BUY / eligible
- 21 / 39
- 30-Day BUY Count Change
- +20
Sector signal summarizes BUY breadth conditions for the sector. It does not override this stock’s BUY, SELL, or PASS advisory.
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 202.91% | Avg. Invested days 67 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 11/13/2026 |
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
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Digital Lending | Commercial loans, point-of-sale financing, and institutional lending. | The primary source of revenue is interest earned from loans issued to businesses and specialized consumer segments. |
| Cybersecurity Services | DRT Cyber services and digital security audits. | This is a smaller, high-growth area focused on providing security to other financial and critical institutions. |
Valuation
Trailing PE 31.46 | Forward PE 11.74 | Enterprise Value 392.01M | Price to Sales(TTM) 5.29 |
Enterprise Value 392.01M | Price to Sales(TTM) 5.29 | ||
Enterprise Value to Revenue 8.13 | Enterprise Value to EBITDA - | Shares Outstanding 32.42M | Shares Floating 20.69M |
Shares Outstanding 32.42M | Shares Floating 20.69M | ||
Percent Insiders 37.19 | Percent Institutions 38.57 |
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.