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About the company
VersaBank is a Canadian Schedule I chartered bank. It offers a receivable purchase program (RPP) funding solution for point-of-sale finance companies. It also owns DRT Cyber Inc., which provides the provision of cybersecurity services designed to address the growing volume of cyber threats challenging financial institutions, multinational corporations, and government entities. Its segment consists of Digital Banking Canada, Digital Banking USA and DRTC. Under Digital Banking Canada, the Bank employs a branchless business-to-business (partner-based) model using its financial technology to address underserved segments in the Canadian and U.S. banking markets. Under Digital Banking USA, the Bank intends to adopt a business-to-business model, to address underserved segments of the U.S. banking market. Under VersaBank USA, it plans to acquire deposits and deliver the majority of its loans and leases electronically through deposit and lending solutions tailored for financial intermediaries.
- Revenue in CAD (TTM)295.68m
- Net income in CAD28.46m
- Incorporated1979
- Employees131.00
- LocationVersabank140 Fullarton Street, Suite 2002LONDON N6A 5P2CanadaCAN
- Phone+1 (519) 645-1919
- Fax+1 (519) 675-4219
- Websitehttps://ca.versabank.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Orange County Bancorp Inc | 183.82m | 56.67m | 642.74m | 225.00 | 10.63 | 1.66 | 15.44 | 3.71 | 3.32 | 3.32 | 10.18 | 21.27 | -- | -- | -- | -- | 1.61 | 1.25 | -- | -- | -- | -- | 32.71 | 28.96 | -- | -- | -- | 19.69 | 6.10 | 20.35 | 49.25 | 28.93 | -- | 7.34 |
| Home Bancorp Inc | 263.88m | 62.73m | 652.36m | 471.00 | 10.41 | 1.10 | 12.62 | 3.22 | 5.87 | 5.87 | 18.95 | 55.56 | -- | -- | -- | -- | 1.33 | 1.29 | -- | -- | -- | -- | 30.97 | 30.75 | -- | -- | -- | 21.05 | 4.87 | 13.23 | 26.45 | 13.21 | -- | 6.04 |
| Midland States Bancorp Inc | -136.18bn | -136.18bn | 662.20m | 864.00 | -- | 0.8599 | -- | -- | -- | -- | -- | 26.71 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Dacotah Banks Inc | 335.57m | 64.03m | 667.25m | 186.00 | 10.43 | 1.07 | 9.40 | 2.67 | 4.22 | 4.22 | 16.46 | 40.98 | -- | -- | -- | -- | 1.02 | 0.9186 | -- | -- | -- | -- | 25.61 | 23.24 | -- | -- | -- | 21.96 | 29.33 | 13.69 | 13.61 | -0.6369 | -22.48 | 2.51 |
| Sierra Bancorp | 233.39m | 57.64m | 673.70m | 476.00 | 11.95 | 1.36 | 15.71 | 3.19 | 3.12 | 3.12 | 11.42 | 27.49 | -- | -- | -- | -- | 1.14 | 1.09 | -- | -- | -- | -- | 27.26 | 26.80 | -- | -- | -- | 34.64 | -0.557 | 9.23 | 4.36 | 3.61 | -- | 4.56 |
| Civista Bancshares Inc | 300.94m | 62.66m | 673.82m | 523.00 | 9.00 | 0.9105 | 12.33 | 2.87 | 2.65 | 2.65 | 9.90 | 26.20 | -- | -- | -- | -- | 1.10 | 1.11 | -- | -- | -- | -- | 26.78 | 26.57 | -- | -- | -- | 24.26 | 6.91 | 17.22 | 48.48 | 7.49 | -- | 9.10 |
| West Coast Community Bancorp | 227.61m | 68.67m | 685.22m | -- | 10.07 | 1.34 | -- | 3.61 | 4.77 | 4.77 | 13.16 | 35.95 | -- | -- | -- | -- | 1.81 | 1.66 | -- | -- | -- | -- | 36.21 | 35.93 | -- | -- | -- | 15.50 | 39.71 | 26.45 | 70.49 | 23.50 | -- | 43.16 |
| Farmers National Banc Corp | 318.38m | 74.34m | 689.15m | 682.00 | 9.27 | 1.04 | 11.25 | 2.68 | 1.45 | 1.45 | 5.01 | 12.90 | -- | -- | -- | -- | 1.05 | 1.16 | -- | -- | -- | -- | 28.95 | 31.13 | -- | -- | -- | 43.64 | 2.66 | 15.79 | 18.80 | 5.44 | -- | 9.10 |
| First Foundation Inc | 736.72m | -211.29m | 704.32m | 551.00 | -- | 0.6263 | -- | 2.20 | -1.88 | -1.88 | 2.84 | 11.01 | -- | -- | -- | -- | -1.26 | -0.3866 | -- | -- | -- | -- | -66.09 | -17.79 | -- | -- | -- | -- | -11.46 | 17.27 | -67.91 | -- | -- | -- |
| Capital Bancorp Inc | 355.25m | 77.85m | 709.16m | 389.00 | 9.32 | 1.30 | 11.88 | 2.12 | 3.41 | 3.41 | 14.62 | 24.54 | -- | -- | -- | -- | 1.68 | 1.67 | -- | -- | -- | -- | 23.32 | 22.01 | -- | -- | -- | 11.37 | 22.30 | 21.82 | 84.59 | 17.23 | -- | -- |
| VersaBank | 295.68m | 28.46m | 712.14m | 131.00 | 24.44 | 1.33 | 22.57 | 5.71 | 0.9079 | 0.9079 | 3.95 | 16.67 | -- | -- | -- | -- | 0.5346 | 0.8356 | -- | -- | -- | -- | 22.83 | 31.54 | -- | -- | -- | 8.92 | 3.60 | 27.99 | -26.58 | 10.55 | 31.24 | 1.03 |
| Bridgewater Bancshares Inc | 383.82m | 57.24m | 725.45m | 325.00 | 12.86 | 1.18 | 16.50 | 3.72 | 1.49 | 1.49 | 5.09 | 18.63 | -- | -- | -- | -- | 0.8801 | 1.01 | -- | -- | -- | -- | 32.15 | 35.41 | -- | -- | -- | -- | 14.62 | 19.67 | 46.10 | 9.10 | -- | -- |
| ACNB Corp | 222.26m | 50.46m | 743.16m | 391.00 | 14.81 | 1.30 | 17.48 | 3.60 | 3.55 | 3.55 | 14.76 | 40.49 | -- | -- | -- | -- | 1.32 | 1.26 | -- | -- | -- | -- | 24.42 | 29.00 | -- | -- | -- | 32.03 | 51.87 | 13.86 | 16.34 | 15.03 | -- | 6.65 |
| Flushing Financial Corp | 640.65m | -47.06m | 766.80m | 571.00 | -- | 0.7917 | -- | 3.51 | -1.18 | -1.18 | 4.81 | 21.06 | -- | -- | -- | -- | -0.3789 | 0.4651 | -- | -- | -- | -- | -21.45 | 18.38 | -- | -- | -- | 68.51 | 15.91 | 10.78 | -209.31 | -- | -11.32 | 0.9347 |
| Arrow Financial Corp | 286.18m | 59.86m | 776.44m | 554.00 | 13.00 | 1.32 | 16.73 | 3.44 | 2.67 | 2.67 | 10.03 | 26.26 | -- | -- | -- | -- | 1.00 | 0.9853 | -- | -- | -- | -- | 26.54 | 27.64 | -- | -- | -- | 43.82 | 7.77 | 13.43 | 47.95 | 1.49 | -- | 4.13 |
| Red River Bancshares Inc | 204.11m | 58.24m | 796.19m | 375.00 | 13.92 | 1.60 | 17.20 | 4.66 | 6.39 | 6.39 | 18.73 | 55.52 | -- | -- | -- | -- | 1.32 | 1.17 | -- | -- | -- | -- | 34.07 | 33.38 | -- | -- | -- | 6.76 | 9.22 | 14.14 | 24.91 | 8.73 | -- | 17.61 |
Data as of Feb 13 2026. Currency figures normalised to Versabank's reporting currency: Canadian Dollar CAD
27.46%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| AllianceBernstein LPas of 31 Dec 2024 | 2.71m | 8.48% |
| CIBC World Markets, Inc.as of 31 Dec 2025 | 1.18m | 3.70% |
| Mendon Capital Advisors Corp.as of 30 Sep 2025 | 1.03m | 3.23% |
| Curi Capital LLCas of 30 Sep 2025 | 800.00k | 2.50% |
| Pembroke Management Ltd.as of 31 Dec 2025 | 736.22k | 2.31% |
| TCW Asset Management Co. LLCas of 30 Sep 2025 | 623.38k | 1.95% |
| Pacific Ridge Capital Partners LLCas of 31 Dec 2025 | 585.12k | 1.83% |
| Wellington Management Co. LLPas of 30 Sep 2025 | 470.18k | 1.47% |
| Kennedy Capital Management LLCas of 31 Dec 2025 | 354.59k | 1.11% |
| CSM Advisors LLCas of 31 Dec 2025 | 280.59k | 0.88% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
