VBNK
VersaBank
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Buy
+36/100
Last price
22.00
▼ 0.28 (1.23%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
22.18
Prev close
22.28
Day high
22.18
Day low
21.74
Volume
74.48K
Market cap
$713.38M
P/E (TTM)
28.95
52W range
11.25 – 25.05
Day trading desk
Gap from prior close
-0.45%
Prior close 22.28
VWAP
21.83
+0.80% from price
Relative volume
0.49×
Quiet session
Session range
2.02%
21.74 – 22.18
Position in range
60%
Mid range
ATR (14D)
0.69
3.15% of price
Prior day high
22.44
PDH
Prior day low
22.09
PDL
Bid / ask spread
—
Quote not published
Session volume
61.62K
Avg 125.62K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-0.97%
-2.9%
1M
-0.25%
-1.8%
3M
+0.07%
-3.4%
6M
+44.87%
+29.8%
YTD
+46.90%
+32.9%
1Y
+75.41%
+59.6%
3Y
+181.39%
+99.4%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on VBNK open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
12.11M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 28, 26 | Koay (Chong-Wooi) Senior Officer of Issuer |
— | 5.03K | — | Direct |
| Sep 28, 26 | Koay (Chong-Wooi) Senior Officer of Issuer |
— | 5.03K | — | Indirect |
| Sep 22, 26 | Johnston (Joanne Marie) Senior Officer of Issuer |
— | 2.00K | — | Direct |
| Sep 22, 26 | Johnston (Joanne Marie) Senior Officer of Issuer |
— | 2.00K | — | Indirect |
| Sep 21, 26 | Newbould (Francis J.C.) Director of Issuer |
BUY | 1.50K | $34.42K | Indirect |
| Sep 21, 26 | GBH Inc 10% Security Holder of Issuer |
— | 100.00K | — | Indirect |
| Sep 21, 26 | GBH Inc 10% Security Holder of Issuer |
— | 100.00K | — | Indirect |
| Sep 18, 26 | Koay (Chong-Wooi) Senior Officer of Issuer |
EXERCISE | 5.03K | $57.12K | Direct |
| Sep 16, 26 | Johnston (Joanne Marie) Senior Officer of Issuer |
EXERCISE | 2.00K | $22.73K | Direct |
| Sep 16, 26 | Newbould (Francis J.C.) Director of Issuer |
BUY | 1.00K | $22.41K | Indirect |
| Sep 11, 26 | Min, Andrien Young Senior Officer of Issuer |
— | 1.88K | — | Direct |
| Sep 11, 26 | Min, Andrien Young Senior Officer of Issuer |
— | 1.88K | — | Indirect |
| Sep 11, 26 | Min, Andrien Young Senior Officer of Issuer |
SELL | 1.88K | $42.25K | Indirect |
| Sep 11, 26 | Dixon (Michael Richard) Senior Officer of Issuer |
EXERCISE | 12.93K | $148.17K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
Asma,John William |
Senior Officer of Issuer | — | Acquisition or disposition in the public market |
Chamberlain (Lawrence James) |
Senior Officer of Issuer | — | Opening Balance-Initial SEDI Report |
Clarke (Robert Shawn) |
Director or Senior Officer of Insider or Subsidiary of Issuer (other than in 4,5,6) | — | Acquisition or disposition in the public market |
Dixon (Michael Richard) |
Senior Officer of Issuer | 12.93K | Exercise of options |
GBH Inc |
10% Security Holder of Issuer | — | Change in nature of ownership |
Gabrielle (Bochynek) |
Director of Issuer | — | Acquisition or disposition in the public market |
George (Patrick) |
Director or Senior Officer of 10% Security Holder | — | Acquisition or disposition in the public market |
Irwin, Peter Michael |
Director of Issuer | — | Acquisition or disposition in the public market |
Matrundola, Telemaco |
Director or Senior Officer of Insider or Subsidiary of Issuer (other than in 4,5,6) | — | Acquisition or disposition in the public market |
Newbould (Francis J.C.) |
Director of Issuer | — | Acquisition or disposition in the public market |
Fundamentals
Market cap$713.38M
Enterprise value$337.23M
Revenue (TTM)$146.49M
Gross profit$146.49M
EBITDA—
Net income$33.86M
EPS (TTM)$0.76
Free cash flow—
Total cash$492.31M
Total debt$107.24M
Book value / share$12.25
Shares outstanding32.42M
Float20.94M
Short % of float—
Dividend yield0.32%
Beta (5Y)1.00
Valuation & profitability ratios
Trailing P/E28.95
Forward P/E11.21
PEG ratio—
Price / sales—
Price / book1.80
EV / revenue2.30
EV / EBITDA—
Gross margin0.00%
Operating margin35.54%
Profit margin23.11%
Return on equity6.19%
Return on assets0.55%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $124.64M | $111.63M | $108.64M | $82.39M | +11.7% |
| Operating revenue | $124.64M | $111.63M | $108.64M | $82.39M | +11.7% |
| Selling, general & admin | $71.71M | $51.95M | $46.48M | $45.53M | +38.0% |
| Pre-tax income | $41.49M | $54.79M | $57.65M | $32.55M | -24.3% |
| Tax provision | $13.04M | $15.04M | $15.48M | $9.89M | -13.4% |
| Net income | $28.46M | $39.75M | $42.16M | $22.66M | -28.4% |
| Net income to common | $28.46M | $38.76M | $41.17M | $21.67M | -26.6% |
| Basic EPS | 0.90 | 1.49 | 1.57 | 0.79 | -39.6% |
| Diluted EPS | 0.90 | 1.49 | 1.57 | 0.79 | -39.6% |
| Basic shares | 31.51M | 25.97M | 26.27M | 28.68M | +21.3% |
| Diluted shares | 31.51M | 25.97M | 26.27M | 28.68M | +21.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $581.71M | $225.25M | $132.24M | $88.58M | +158.2% |
| Accounts receivable | $30.79M | $32.49M | $24.54M | $18.48M | -5.3% |
| Property, plant & equipment | $26.36M | $26.62M | $9.96M | $10.99M | -1.0% |
| Goodwill & intangibles | $22.86M | $24.36M | $8.54M | $8.94M | -6.1% |
| Total assets | $5.81B | $4.84B | $4.20B | $3.27B | +20.0% |
| Long-term debt | $103.52M | $102.50M | $106.85M | $104.95M | +1.0% |
| Total debt | $108.51M | $108.58M | $110.62M | $109.42M | -0.1% |
| Total liabilities | $5.28B | $4.44B | $3.82B | $2.92B | +18.8% |
| Retained earnings | $203.73M | $181.24M | $146.04M | $109.33M | +12.4% |
| Shareholder equity | $532.67M | $399.20M | $377.16M | $350.68M | +33.4% |
| Net tangible assets | $509.81M | $374.85M | $368.61M | $341.74M | +36.0% |
| Shares issued | 31.95M | 26.00M | 25.96M | 27.25M | +22.9% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $28.46M | $39.75M | $42.16M | $22.66M | -28.4% |
| Depreciation & amortisation | $3.10M | $2.63M | $1.78M | $1.94M | +17.7% |
| Stock-based compensation | $81.00K | $348.00K | $901.00K | $1.47M | -76.7% |
| Change in working capital | $16.55M | $229.86M | $12.44M | -$75.13M | -92.8% |
| Operating cash flow | $44.45M | $272.70M | $94.72M | -$32.65M | -83.7% |
| Capital expenditure | -$954.00K | -$18.58M | -$362.00K | -$581.00K | +94.9% |
| Investing cash flow | $212.26M | -$157.58M | -$28.14M | -$141.61M | +234.7% |
| Share buybacks | -$9.13M | -$14.62M | -$13.29M | -$1.93M | +37.6% |
| Dividends paid | -$3.23M | -$3.59M | -$3.60M | -$3.73M | +9.8% |
| Financing cash flow | $102.04M | -$23.33M | -$17.31M | -$6.30M | +537.4% |
| Free cash flow | $43.50M | $254.13M | $94.36M | -$33.23M | -82.9% |
| End cash position | $581.71M | $225.25M | $132.24M | $88.58M | +158.2% |
| Line item | 2026-07-31 | 2026-04-30 | 2026-01-31 | 2025-10-31 | 2025-07-31 | 2025-04-30 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | $38.81M | $38.29M | $36.51M | $35.09M | $31.58M | — | +1.3% |
| Operating revenue | $38.81M | $38.29M | $36.51M | $35.09M | $31.58M | — | +1.3% |
| Selling, general & admin | $22.79M | $25.60M | $18.75M | $21.92M | $19.82M | — | -11.0% |
| Pre-tax income | $13.88M | $10.38M | $15.27M | $9.90M | $8.75M | — | +33.7% |
| Tax provision | $3.82M | $2.85M | $4.20M | $4.70M | $2.17M | — | +33.7% |
| Net income | $10.06M | $7.53M | $11.07M | $5.20M | $6.58M | — | +33.7% |
| Net income to common | $10.06M | $7.53M | $11.07M | $5.20M | $6.58M | — | +33.7% |
| Basic EPS | 0.31 | 0.23 | 0.35 | — | 0.20 | 0.26 | +34.8% |
| Diluted EPS | 0.31 | 0.23 | 0.35 | — | 0.20 | 0.26 | +34.8% |
| Basic shares | 32.28M | 32.09M | 31.97M | — | 32.37M | 32.52M | +0.6% |
| Diluted shares | 32.28M | 32.09M | 31.97M | — | 32.37M | 32.52M | +0.6% |
| Line item | 2026-07-31 | 2026-04-30 | 2026-01-31 | 2025-10-31 | 2025-07-31 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $490.05M | $568.16M | $628.00M | $581.71M | $460.31M | -13.7% |
| Accounts receivable | $35.98M | $33.55M | $33.12M | $30.79M | $33.37M | +7.2% |
| Property, plant & equipment | $31.45M | $31.48M | $26.72M | $26.36M | $26.70M | -0.1% |
| Goodwill & intangibles | $19.69M | $19.97M | $22.52M | $22.86M | $23.14M | -1.4% |
| Total assets | $6.88B | $6.44B | $6.15B | $5.81B | $5.48B | +6.7% |
| Long-term debt | $103.79M | $100.69M | $100.16M | $103.52M | $102.15M | +3.1% |
| Total debt | $107.24M | $104.32M | $103.97M | $108.51M | $105.01M | +2.8% |
| Total liabilities | $6.31B | $5.89B | $5.60B | $5.28B | $4.95B | +7.2% |
| Retained earnings | $229.97M | $220.72M | $214.00M | $203.73M | $200.41M | +4.2% |
| Shareholder equity | $565.57M | $552.24M | $543.08M | $532.67M | $528.14M | +2.4% |
| Net tangible assets | $545.88M | $532.27M | $520.56M | $509.81M | $505.00M | +2.6% |
| Shares issued | 32.42M | 32.20M | 32.07M | 31.95M | 32.17M | +0.7% |
| Line item | 2026-07-31 | 2026-04-30 | 2026-01-31 | 2025-10-31 | 2025-07-31 | 2025-01-31 | YoY |
|---|---|---|---|---|---|---|---|
| Net income | $10.06M | $7.53M | $11.07M | $5.20M | $6.58M | — | +33.7% |
| Depreciation & amortisation | $1.23M | $947.00K | $939.00K | $902.00K | $727.00K | — | +29.8% |
| Stock-based compensation | $11.00K | $0 | $0 | $6.00K | $0 | — | — |
| Change in working capital | -$45.93M | -$57.04M | $43.73M | $38.94M | $182.32M | — | +19.5% |
| Operating cash flow | -$44.73M | -$44.28M | $55.64M | $49.38M | $183.57M | — | -1.0% |
| Capital expenditure | -$185.00K | -$5.48M | -$170.00K | -$290.00K | — | -$1.45M | +96.6% |
| Investing cash flow | -$31.56M | -$18.23M | -$11.76M | $76.93M | -$57.56M | — | -73.1% |
| Share buybacks | — | — | — | -$3.72M | — | — | — |
| Dividends paid | -$809.00K | -$802.00K | -$799.00K | -$802.00K | -$807.00K | — | -0.9% |
| Financing cash flow | $2.67M | $915.00K | $967.00K | -$4.13M | -$6.42M | — | +192.2% |
| Free cash flow | -$44.91M | -$49.76M | $55.47M | $49.09M | $183.63M | — | +9.7% |
| End cash position | $490.05M | $568.16M | $628.00M | $581.71M | $460.31M | — | -13.7% |
Options analytics
Put / call volume
—
—
Put / call open interest
8.00
Positioning, not flow
Max pain
20.00
-9.1% from spot
ATM implied vol
395.3%
Nearest strike to spot
Skew (10% OTM)
-333.8%
Calls bid over puts
Call volume
0
Contracts, this expiry
Put volume
5
Contracts, this expiry
Heaviest call OI
15.00
3 contracts
Heaviest put OI
17.50
15 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jul 2026 | 0.28 | 0.27 | -1.7% |
| Apr 2026 | 0.27 | 0.28 | +2.9% |
| Jan 2026 | 0.25 | 0.28 | +10.7% |
| Oct 2025 | 0.24 | 0.24 | -2.4% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.34 | 3 | $42.25M | +20.4% |
| Next quarter | 0.38 | 3 | $46.19M | +26.5% |
| Current year | 1.17 | 3 | $155.89M | +25.1% |
| Next year | 1.96 | 3 | $214.78M | +37.8% |
Analyst targets & ownership
Mean target$25.50
High target$28.00
Low target$23.00
Implied upside15.88%
Analyst count2
ConsensusBUY
Strong buy / Buy2 / 1
Hold0
Sell / Strong sell0 / 0
Held by insiders37.35%
Held by institutions38.29%
Institutions holding68
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
22.48
-2.12% from price
SMA 20
22.64
-2.82% from price
SMA 50
20.96
+4.98% from price
SMA 100
20.38
+7.97% from price
SMA 200
18.13
+21.37% from price
EMA 12
22.36
-1.60% from price
EMA 26
22.05
-0.21% from price
EMA 50
21.42
+2.75% from price
RSI (14)
49.8
Neutral
MACD (12,26,9)
0.31
Hist -0.19
ATR (14)
0.69
3.15% of price
Realised vol 30D
43.3%
Annualised
Bollinger upper
23.53
20, 2σ
Bollinger lower
21.76
20, 2σ
50 / 200 cross
Golden
20.96 vs 18.13
Trend bias
Above 200
+21.37%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.77
Less volatile than market
Correlation to SPY
0.25
Largely independent
Realised vol 30D
43.3%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-21.0%
Peak to trough
Max drawdown 5Y
-51.4%
Peak to trough
ATR 14
0.69
3.15% of price
Beta (reported)
1.00
5Y monthly, from filing
Short interest
Shares short
333.73K
Prior 202.11K
Change vs prior
+65.1%
Shorts adding
% of float
—
—
% of shares out
1.03%
Against total outstanding
Days to cover
2.7
Liquid
Float
20.94M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Sep 4, 26 | Roth Capital | MAINTAINED | Buy | Buy |
| Jun 30, 26 | Roth Capital | UPGRADE | Neutral | Buy |
| Dec 11, 25 | Roth Capital | MAINTAINED | Neutral | Neutral |
| Jun 5, 25 | Raymond James | MAINTAINED | Outperform | Outperform |
| Nov 8, 24 | Raymond James | MAINTAINED | Outperform | Outperform |
| Sep 27, 24 | Roth MKM | INITIATED | — | Buy |
| Aug 28, 24 | Keefe, Bruyette & Woods | INITIATED | — | Outperform |
| Aug 27, 24 | Keefe, Bruyette & Woods | INITIATED | — | Outperform |
Dividends & splits
Forward rate$0.07 / yr
Forward yield0.32%
5-year avg yield0.64%
Payout ratio9.52%
Ex-dividend dateOct 9, 2026
Next pay dateOct 31, 2026
Last split—
Split date—
SEC filings
Corporate Changes & Voting Matters
6-K · 2026-10-01
Corporate Changes & Voting Matters
6-K · 2026-09-22
Corporate Changes & Voting Matters
6-K · 2026-09-17
Corporate Changes & Voting Matters
6-K · 2026-09-04
Corporate Changes & Voting Matters
6-K · 2026-09-03
Corporate Changes & Voting Matters
6-K · 2026-09-01
Corporate Changes & Voting Matters
6-K · 2026-08-26
Corporate Changes & Voting Matters
6-K · 2026-08-25
Headlines
Fiserv’s Digital Asset Platform Is Live. The Plumbing Is the Story.
Forkast News · 6d ago
Fiserv’s stablecoin system starts
Payments Dive · 6d ago
VersaBank Significantly Expands Addressable Market for Structured Receivable Program in the U.S. with Launch of Funding to Small Business Sector
TMX Newsfile · 15d ago
VersaBank Shareholders Approve US Corporate Reorganization
MT Newswires · 20d ago
VersaBank Shareholders Approve Proposed Reorganization
TMX Newsfile · 20d ago
VersaBank (VBNK) Q3 2026 Earnings Call Transcript
Motley Fool · 28d ago
VersaBank (VBNK) Surpasses $7 Billion in Total Assets, Targets More US Growth
Insider Monkey · 28d ago
VersaBank (VBNK) (Q3 2026) Earnings Call Highlights: Record Assets Surpass $7 Billion, ...
GuruFocus.com · 31d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.