Analysis updated on Nov. 6, 2026 (UTC) · Alpha · vs marketSwitch to Total · Nasdaq
Our AI scores Versabank every trading day against every stock it covers. Create a free account and follow it to see its rating and price target.
Versabank is a small-cap company with a market capitalization of $713M. It ranks number 20 by market capitalization among the 20 Commercial Banks, NEC issuers in our coverage with a current forecast.
For VBNK, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 6.0%, measured on 357 forecast dates between 2022-08-19 and 2026-08-07 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 7.0%, measured on 400 forecast dates between 2022-08-19 and 2026-10-07. Across our coverage, the out-of-sample test on 4629 stocks from 2025-01-06 to 2026-08-04 produced a positive net return in 92.9% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
Expected return relative to the market over the horizon: a positive alpha means the model expects the stock to beat the market, whatever the market does. Ratings: strong buy ≥ +3.1%, buy ≥ +1.5%, sell < -0.5%, strong sell < -1.8% (top 15%, next 20%, middle 30%, next 20%, bottom 15% of the 2026-11-06 signals)
A free account shows the exact forecast, rating and rank of 3 tickers you follow, VBNK included.
90D Alpha forecasts of every company scored, cut into five relative ratings at the 15th, 35th, 65th and 85th percentiles (dashed lines).
Trailing twelve months. The industry median and the rank (1 = highest) are taken over the Commercial Banks, NEC peers listed below that report each metric. Statement values were filed in CAD and are shown converted to USD (flows at the trailing twelve-month average rate, balances at the balance-sheet date rate).
| Metric | VBNK | Rank |
|---|---|---|
| Market Cap | $713M | 20/20 |
| Revenue/Share | $5.03 | – |
| FCF/Share | $-2.16 | – |
| Metric | VBNK | Rank |
|---|---|---|
| ROE | 10.1% | 10/12 |
| ROA | 0.9% | 13/15 |
| Net Margin | 24.5% | 7/12 |
| EBT Margin | 34.7% | 7/14 |
| Tax Rate | 29.3% | – |
| Metric | VBNK | Rank |
|---|---|---|
| D/E Ratio | 10.32x | 14/17 |
| Financial Leverage | 11.32x | 14/17 |
| Metric | VBNK | Rank |
|---|---|---|
| Operating Cash Flow | -$67M | 15/20 |
| Free Cash Flow | -$69M | 7/11 |
| Capital Spending | -$2M | 2/11 |
| OCF Growth YoY | -127.8% | 13/16 |
| FCF/Sales | -43.0% | 7/7 |
| CapEx/Sales | 1.1% | 4/7 |
| Metric | VBNK | Rank |
|---|---|---|
| Asset Turnover | 0.04x | 9/13 |
| Fixed Assets Turnover | 9.6x | 7/8 |
| Metric | VBNK | Rank |
|---|---|---|
| Total Revenue | $160M | 12/13 |
| Net Income | $39M | 15/15 |
| Metric | VBNK | Rank |
|---|---|---|
| Shares Outstanding | 32M | – |
| Net Income Growth | -21.3% | 11/12 |
| Cash & Short-term Investments | $461M | |
| Total Liabilities | $4.11B |
Companies classified under the same SEC industry code as Versabank (Commercial Banks, NEC): 22 common-stock issuers with a forecast this week, one row per issuer, largest first. This is a classification match, not a curated list of competitors.
Reveal all forecasts · See exact % predictions for all competitors
Sign up free| Company | 90-Day AI Forecast (Alpha) | Market Cap |
|---|---|---|
| VBNK Versabank | $713M | |
| RY Royal Bank Of Canada | $281.75B | |
| MUFG Mitsubishi Ufj Financial Group Inc | $248.87B | |
| TD Toronto Dominion Bank | $206.79B | |
| SAN Banco Santander, S.A. | $172.45B | |
| SMFG Sumitomo Mitsui Financial Group, Inc. | $150.91B | |
| BBVA Banco Bilbao Vizcaya Argentaria, S.A. | $143.01B | |
| HDB Hdfc Bank Ltd | $128.12B | |
| BMO Bank Of Montreal /Can/ | $121.32B | |
| CM Canadian Imperial Bank Of Commerce /Can/ | $106.73B | |
| ING Ing Groep Nv | $92.36B | |
| LYG Lloyds Banking Group Plc | $77.02B | |
| BCS Barclays Plc | $75.97B | |
| NWG Natwest Group Plc | $62.64B | |
| BSBR Banco Santander (Brasil) S.A. | $17.38B | |
| BSAC Banco Santander Chile | $15.23B | |
| GGAL Grupo Financiero Galicia Sa | $4.92B | |
| NTB Bank Of N.T. Butterfield & Son Ltd | $2.18B | |
| ESQ Esquire Financial Holdings, Inc. | $1.56B | |
| PGC Peapack Gladstone Financial Corp | $814M | |
| DJP Barclays Bank Plc | N/A | |
| WBKCY Westpac Banking Corp | N/A |
At the Meeting, the Shareholders also approved the appointment of Ernst & Young LLP as auditors of the Bank and an administrative by-law amendment to allow for the roles of President and Chief ...
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VersaBank operates as a specialized lender, primarily serving financial companies rather than traditional retail consumers. VBNK’s Receivable Purchase Program is a key growth engine, enabling ...
Our AI scores Versabank every trading day against every stock it covers. Create a free account and follow it to see its rating and price target.
For VBNK, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 6.0%, measured on 357 forecast dates between 2022-08-19 and 2026-08-07 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 7.0%, measured on 400 forecast dates between 2022-08-19 and 2026-10-07. Across our coverage, the out-of-sample test on 4629 stocks from 2025-01-06 to 2026-08-04 produced a positive net return in 92.9% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
Versabank forecasts are refreshed on trading days as the daily model run completes. The forecast on this page was produced on Nov. 6, 2026.
22 issuers in our coverage, VBNK included, share the SEC industry code Commercial Banks, NEC. The largest are: Royal Bank Of Canada (RY), Mitsubishi Ufj Financial Group Inc (MUFG), Toronto Dominion Bank (TD), Banco Santander, S.A. (SAN), Sumitomo Mitsui Financial Group, Inc. (SMFG), Banco Bilbao Vizcaya Argentaria, S.A. (BBVA).
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.
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