VBNK Valuation

Versabank

Add to Watchlist

Advanced Chart

11.360

+0.34(3.085%)1D

Overview
Forecast
Valuation
Earnings

VBNK Relative Valuation

VBNK's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, VBNK is overvalued; if below, it's undervalued.

Historical Valuation

Versabank (VBNK) is now in the Fair zone, suggesting that its current forward PE ratio of 10.75 is considered Fairly compared with the five-year average of 9.66. The fair price of Versabank (VBNK) is between 8.41 to 14.37 according to relative valuation methord.

Relative Value

Fair Zone

8.41-14.37

Current Price：11.02

Fair

11.15

Trailing

Forward

0.00

EV/EBITDA

Versabank. (VBNK) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Versabank. (VBNK) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

3.31

Versabank. (VBNK) has a current PS of 3.31. The 5-year average PS is 3.37. The thresholds are as follows: Strongly Undervalued below 1.43, Undervalued between 1.43 and 2.40, Fairly Valued between 4.34 and 2.40, Overvalued between 4.34 and 5.31, and Strongly Overvalued above 5.31. The current Forward PS of 3.31 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Versabank. (VBNK) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Versabank. (VBNK) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Versabank (VBNK) has a current Price-to-Book (P/B) ratio of 0.93. Compared to its 3-year average P/B ratio of 0.95 , the current P/B ratio is approximately -1.49% higher. Relative to its 5-year average P/B ratio of 1.00, the current P/B ratio is about -7.02% higher. Versabank (VBNK) has a Forward Free Cash Flow (FCF) yield of approximately -79.11%. Compared to its 3-year average FCF yield of -186.00%, the current FCF yield is approximately -57.47% lower. Relative to its 5-year average FCF yield of -147.71% , the current FCF yield is about -46.44% lower.

0.97

P/B

Median3y

0.95

Median5y

1.00

-79.75

FCF Yield

Median3y

-186.00

Median5y

-147.71

Competitors Valuation Multiple

The average P/S ratio for VBNK's competitors is 2.55, providing a benchmark for relative valuation. Versabank Corp (VBNK) exhibits a P/S ratio of 3.31, which is 29.42% above the industry average. Given its robust revenue growth of 6.82%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Flushing Financial Corp

ChoiceOne Financial Services Inc

2.72

94.53%

459.16M

Performance Decomposition

Market capitalization of VBNK decreased by 16.90% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 13.13 to 14.28.

The secondary factor is the Revenue Growth, contributed 6.82%to the performance.

Overall, the performance of VBNK in the past 1 year is driven by P/E Change. Which is more unsustainable.

6.82%

26.24M → 28.03M

Revenue Growth

-32.48%

45.07 → 30.43

Margin Expansion

8.76%

13.13 → 14.28

P/E Change

-16.90%