VersaBank announces Q3 adjusted earnings per share of C$0.30, down from C$0.36 a year ago.
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Sep 04 2025
0mins
Q3 Financial Performance: VersaBank reported Q3 revenue of C$31.58M, an increase from C$27M last year, driven by the growth of their Receivable Purchase Program in the U.S. and improved credit asset growth in Canada.
Digital Banking Operations: The financial results for Canadian Digital Banking operations indicate strong efficiency and profitability potential, with plans to realign the corporate structure to a standard U.S. bank framework to enhance shareholder value and showcase operational efficiency.
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Analyst Views on VBNK
Wall Street analysts forecast VBNK stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for VBNK is 13.70 USD with a low forecast of 13.00 USD and a high forecast of 14.40 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Analyst Rating
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 15.710
Low
13.00
Averages
13.70
High
14.40
Current: 15.710
Low
13.00
Averages
13.70
High
14.40
About VBNK
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.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- 1x1 Meeting Requests: Selected companies are accepting 1x1 management meeting requests until January 30, providing investors with direct engagement opportunities with company executives, thereby improving investor relations management.
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