VersaBank combines strong 28% growth, high margins and a cheap PEG with a share price already above the analyst target and only average business quality, which limits further upside.
Thesis pillars
- High Margins No Moat→Stable
- Strong Earnings Growth→Stable
- Price Above Analyst Target→Stable
- +2 more pillars — see the Why tab for full reasoning
Pillars as of Oct 24, 2026
VersaBank (VBNK) Stock Analysis
Inst Constrain edge
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $21.71, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=4.6).
VersaBank provides various banking products and services in Canada and the United States. The company operates through four segments: Digital Banking Canada, Digital Banking USA, DRTC (Cybersecurity), and Digital Meteor. It offers deposit products, such as guaranteed investment... Read more
Hold if already holding. Not a fresh buy at $21.71, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=4.6). Chart setup: No clear chart pattern; technical signals are mixed. Mixed signals. Hold existing position. Score 6.3/10, moderate confidence.
Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 35d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.
Recent developments
No fresh coverage since Sep 1, 2026
Recent Developments — VersaBank
Latest news
- NEWS VersaBank - Baystreet.ca — Baystreet.ca Sep 1, 2026 neutral
- NEWS VersaBank - baystreet.ca — baystreet.ca Sep 1, 2026 neutral
- NEWS Stocks in play: VersaBank - The Globe and Mail — The Globe and Mail Sep 1, 2026 neutral
- NEWS VersaBank Launches First U.S. Real-Time Structured Receivable Program with ECN Capital - TipRanks — TipRanks Sep 1, 2026 positive
- NEWS VersaBank Launches First U.S. Real-Time Structured Receivable Program with ECN Capital - tipranks.com — tipranks.com Sep 1, 2026 positive
Latest item Sep 1, 2026 · Generated 2026-11-03T11:34:09Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
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Rating Breakdown
2 floor-breakers·1 ceiling hit
Momentum below the gate floor. Component breakdown shows what dragged the score down.static
Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $21.71, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=4.6). Chart setup: No clear chart pattern; technical signals are mixed. Mixed signals. Hold existing position. Analyst target $21.68 reached (−0.2%), stop $20.86 (−4.1%), A.R:R -0.0:1. Score 6.3/10, moderate confidence.
Analyst target $21.68 reached (−0.2% from $21.71); no take-profit level is published. Analyst target $21.68 reached (−0.2%), stop $20.86 (−4.1%), A.R:R -0.0:1. Stop-loss: $20.86.
Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=4.6); Negative momentum.
VersaBank trades at a P/E of 28.6 (forward 12.5). TrendMatrix value score: 7.9/10. Verdict: Hold.
8 analysts rate VBNK, with a consensus score of 4.1/5. 2 analysts publish price targets averaging $26.
What does VersaBank do?VersaBank provides various banking products and services in Canada and the United States. The company operates through...
VersaBank provides various banking products and services in Canada and the United States. The company operates through four segments: Digital Banking Canada, Digital Banking USA, DRTC (Cybersecurity), and Digital Meteor. It offers deposit products, such as guaranteed investment certificates, registered retirement savings plans, and tax-free savings accounts, as well as deposit insurance products. The company also provides lending services, including point of sale financing that covers purchasing loan and lease receivables from finance companies operating in various industries; commercial real estate mortgages and loans, public sector, leases, and other financing. In addition, it provides cybersecurity services. The company was formerly known as Pacific & Western Bank of Canada and changed its name to VersaBank in May 2016. VersaBank was incorporated in 1979 and is headquartered in London, Canada.