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VBNK (Versabank) Stock Analysis
Buy, Hold or Sell?

Let's analyze Versabank together

I guess you are interested in VersaBank. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

  • πŸ“Š Fundamental Analysis (FA) – Versabank’s Financial Insights
  • πŸ“ˆ Technical Analysis (TA) – Versabank’s Price Targets

I'm going to help you getting a better view of VersaBank. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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1. Quick Overview

1.1. Quick analysis of Versabank (30 sec.)










1.2. What can you expect buying and holding a share of Versabank? (30 sec.)

How much money do you get?

How much money do you get?
C$0.08
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
C$16.25
Expected worth in 1 year
C$20.19
How sure are you?
92.5%

+ What do you gain per year?

Total Gains per Share
C$4.05
Return On Investment
25.5%

For what price can you sell your share?

Current Price per Share
C$15.88
Expected price per share
C$11.49 - C$17.28
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Versabank (5 min.)




Live pricePrice per Share (EOD)
C$15.88
Intrinsic Value Per Share
C$-195.03 - C$-16.21
Total Value Per Share
C$-178.78 - C$0.04

2.2. Growth of Versabank (5 min.)




Is Versabank growing?

Current yearPrevious yearGrowGrow %
How rich?$388.3m$281.4m$59.9m17.6%

How much money is Versabank making?

Current yearPrevious yearGrowGrow %
Making money$5.8m$8.6m-$2.7m-47.4%
Net Profit Margin28.4%28.5%--

How much money comes from the company's main activities?

2.3. Financial Health of Versabank (5 min.)




2.4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Versabank?

Welcome investor! Versabank's management wants to use your money to grow the business. In return you get a share of Versabank.

First you should know what it really means to hold a share of Versabank. And how you can make/lose money.

Speculation

The Price per Share of Versabank is C$15.88. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Versabank.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Versabank, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is C$16.25. Based on the TTM, the Book Value Change Per Share is C$0.99 per quarter. Based on the YOY, the Book Value Change Per Share is C$0.34 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is C$0.03 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Versabank.

How much money are you going to get?

 MRQTTMYOY3Y5Y10Y
 C$% of Price per ShareC$% of Price per ShareC$% of Price per ShareC$% of Price per ShareC$% of Price per ShareC$% of Price per Share
Usd Eps0.191.2%0.181.1%0.261.7%0.211.3%0.171.1%0.130.8%
Usd Book Value Change Per Share0.161.0%0.724.6%0.251.6%0.352.2%0.322.0%0.201.3%
Usd Dividend Per Share0.020.1%0.020.1%0.020.1%0.020.1%0.020.1%0.020.1%
Usd Total Gains Per Share0.181.1%0.744.7%0.271.7%0.372.3%0.342.1%0.221.4%
Usd Price Per Share11.24-13.37-9.34-9.96-9.48-6.97-
Price to Earnings Ratio14.57-19.81-8.88-13.19-15.67-15.14-
Price-to-Total Gains Ratio63.55-11.89-35.44-41.11-43.02-53.25-
Price to Book Ratio0.94-1.30-1.08-1.10-1.20-1.04-
Price-to-Total Gains Ratio63.55-11.89-35.44-41.11-43.02-53.25-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share11.673388
Number of shares85
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.020.02
Usd Book Value Change Per Share0.720.32
Usd Total Gains Per Share0.740.34
Gains per Quarter (85 shares)63.2328.68
Gains per Year (85 shares)252.91114.72
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
172462437108105
21349349614215220
32073974921323335
426985100228430450
5331232125536538565
6391478150843646680
7461724176150753795
8531971201457861910
95922172267649681025
1066246325207110761140

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%40.00.00.0100.0%51.03.00.094.4%
Book Value Change Per Share3.01.00.075.0%11.01.00.091.7%18.02.00.090.0%36.04.00.090.0%47.05.02.087.0%
Dividend per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%40.00.00.0100.0%42.00.012.077.8%
Total Gains per Share3.01.00.075.0%11.01.00.091.7%18.02.00.090.0%37.03.00.092.5%48.04.02.088.9%
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3.2. Key Performance Indicators

The key performance indicators of VersaBank compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-3Y+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.2160.986-78%0.335-36%0.479-55%0.431-50%0.274-21%
Book Value Per Share--16.24614.282+14%11.773+38%12.281+32%10.869+49%10.868+49%
Current Ratio----0%13.393-100%14.806-100%12.869-100%7.169-100%
Debt To Asset Ratio--0.8950.904-1%0.909-2%0.903-1%0.891+0%0.843+6%
Debt To Equity Ratio--8.5539.564-11%10.023-15%9.424-9%8.415+2%7.547+13%
Dividend Per Share--0.0250.026-5%0.028-9%0.027-9%0.028-12%0.025-2%
Enterprise Value---4021614548.000-3787482028.000-6%-3386786802.000-16%-3252178567.000-19%-2474865723.600-38%-1766508329.000-56%
Eps--0.2620.245+7%0.359-27%0.281-7%0.229+15%0.177+48%
Ev To Sales Ratio---33.359-33.748+1%-20.585-38%-26.902-19%-24.326-27%-23.470-30%
Free Cash Flow Per Share---3.0350.375-910%-0.266-91%0.533-669%-0.080-97%0.152-2092%
Free Cash Flow To Equity Per Share---3.0751.116-376%0.848-463%1.104-379%0.456-774%0.373-924%
Gross Profit Margin--1.0001.0000%0.849+18%0.950+5%0.970+3%0.982+2%
Intrinsic Value_10Y_max---16.209----------
Intrinsic Value_10Y_min---195.027----------
Intrinsic Value_1Y_max--1.592----------
Intrinsic Value_1Y_min---2.832----------
Intrinsic Value_3Y_max--2.331----------
Intrinsic Value_3Y_min---23.032----------
Intrinsic Value_5Y_max--0.116----------
Intrinsic Value_5Y_min---58.997----------
Market Cap516398544.000+4%497212452.000591516972.000-16%413313948.000+20%440819433.000+13%419590076.400+18%308359521.000+61%
Net Profit Margin--0.2830.2840%0.285-1%0.297-5%0.310-9%0.323-12%
Operating Margin----0%0.271-100%0.536-100%0.696-100%0.983-100%
Operating Ratio----0%-0.2030%0.045-100%0.001-100%0.037-100%
Pb Ratio0.977+4%0.9411.303-28%1.077-13%1.095-14%1.203-22%1.039-9%
Pe Ratio15.137+4%14.57419.807-26%8.885+64%13.190+10%15.669-7%15.142-4%
Price Per Share15.880+4%15.29018.190-16%12.710+20%13.556+13%12.903+18%9.483+61%
Price To Free Cash Flow Ratio-1.308-4%-1.259-0.084-93%-5.473+335%-0.844-33%-0.882-30%-0.395-69%
Price To Total Gains Ratio66.002+4%63.55011.894+434%35.442+79%41.114+55%43.020+48%53.249+19%
Quick Ratio----0%6.035-100%12.554-100%11.518-100%6.494-100%
Return On Assets--0.0020.002+2%0.003-39%0.002-25%0.002-26%0.002-26%
Return On Equity--0.0160.017-7%0.031-47%0.024-31%0.022-25%0.020-20%
Total Gains Per Share--0.2411.012-76%0.363-34%0.506-52%0.459-48%0.300-20%
Usd Book Value--388357740.600341415173.475+14%281421640.950+38%293582645.283+32%259814148.305+49%259800034.385+49%
Usd Book Value Change Per Share--0.1580.725-78%0.246-36%0.352-55%0.316-50%0.202-21%
Usd Book Value Per Share--11.94310.499+14%8.654+38%9.028+32%7.990+49%7.989+49%
Usd Dividend Per Share--0.0180.019-5%0.020-9%0.020-9%0.021-12%0.019-2%
Usd Enterprise Value---2956288854.235-2784178038.783-6%-2489626978.150-16%-2390676464.602-19%-1819273793.418-38%-1298560272.648-56%
Usd Eps--0.1930.180+7%0.264-27%0.206-7%0.168+15%0.130+48%
Usd Free Cash Flow---72560250.8008958479.925-910%-6366884.691-91%12749451.945-669%-1912399.368-97%3643008.598-2092%
Usd Free Cash Flow Per Share---2.2310.275-910%-0.196-91%0.392-669%-0.059-97%0.112-2092%
Usd Free Cash Flow To Equity Per Share---2.2600.820-376%0.624-463%0.812-379%0.335-774%0.274-924%
Usd Market Cap379604569.694+4%365500873.465434824126.117-16%303827083.175+20%324046365.198+13%308440665.162+18%226675083.887+61%
Usd Price Per Share11.673+4%11.24013.371-16%9.343+20%9.965+13%9.485+18%6.971+61%
Usd Profit--6269667.9005861136.075+7%8639078.975-27%6783196.508-8%5613774.925+12%4295079.035+46%
Usd Revenue--22155178.90020628192.425+7%36958806.475-40%25204741.250-12%19841304.630+12%14250942.640+55%
Usd Total Gains Per Share--0.1770.744-76%0.267-34%0.372-52%0.337-48%0.220-20%
 EOD+5 -3MRQTTM+16 -18YOY+11 -273Y+13 -265Y+16 -2310Y+16 -23

3.3 Fundamental Score

Let's check the fundamental score of VersaBank based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1515.137
Price to Book Ratio (EOD)Between0-10.977
Net Profit Margin (MRQ)Greater than00.283
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.895
Debt to Equity Ratio (MRQ)Less than18.553
Return on Equity (MRQ)Greater than0.150.016
Return on Assets (MRQ)Greater than0.050.002
Total3/10 (30.0%)

3.4 Technical Score

Let's check the technical score of VersaBank based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5056.674
Ma 20Greater thanMa 5015.383
Ma 50Greater thanMa 10015.538
Ma 100Greater thanMa 20015.570
OpenGreater thanClose15.760
Total1/5 (20.0%)

4. In-depth Analysis

4.1 About VersaBank

VersaBank provides various banking products and services in Canada and the United States. The company operates through three segments: Digital Banking Canada, Digital Banking USA, and DRTC (cybersecurity services and banking and financial technology development). 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 offers 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.

Fundamental data was last updated by Penke on 2025-06-27 07:20:03.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
Liquidity Details
 Compared to previous yearCompared to industry
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is fair priced.
Based on how much money comes from the company's main activities, the company is expensive.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profitΒ Versabank earns for each $1 of revenue.

  • Above 10% is considered healthy but always compareΒ Versabank to theΒ Banks - Regional industry mean.
  • A Net Profit Margin of 28.3%Β means thatΒ $0.28 for each $1Β in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of VersaBank:

  • The MRQ is 28.3%. The company is making a huge profit. +2
  • The TTM is 28.4%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ28.3%TTM28.4%-0.1%
TTM28.4%YOY28.5%0.0%
TTM28.4%5Y31.0%-2.6%
5Y31.0%10Y32.3%-1.3%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ28.3%41.9%-13.6%
TTM28.4%31.1%-2.7%
YOY28.5%29.6%-1.1%
3Y29.7%29.0%+0.7%
5Y31.0%25.7%+5.3%
10Y32.3%22.1%+10.2%
4.3.1.2. Return on Assets

Shows howΒ efficientΒ Versabank is using its assets to generate profit.

  • Above 5% is considered healthyΒ but always compareΒ Versabank to theΒ Banks - Regional industry mean.
  • 0.2% Return on Assets means thatΒ Versabank generatedΒ $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of VersaBank:

  • The MRQ is 0.2%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.2%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.2%TTM0.2%+0.0%
TTM0.2%YOY0.3%-0.1%
TTM0.2%5Y0.2%-0.1%
5Y0.2%10Y0.2%+0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.2%0.2%0.0%
TTM0.2%0.2%0.0%
YOY0.3%0.2%+0.1%
3Y0.2%0.2%+0.0%
5Y0.2%0.2%+0.0%
10Y0.2%0.2%+0.0%
4.3.1.3. Return on Equity

Shows how efficient Versabank is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compareΒ Versabank to theΒ Banks - Regional industry mean.
  • 1.6% Return on Equity means Versabank generated $0.02Β for eachΒ $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of VersaBank:

  • The MRQ is 1.6%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 1.7%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ1.6%TTM1.7%-0.1%
TTM1.7%YOY3.1%-1.3%
TTM1.7%5Y2.2%-0.4%
5Y2.2%10Y2.0%+0.1%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ1.6%2.8%-1.2%
TTM1.7%2.2%-0.5%
YOY3.1%2.6%+0.5%
3Y2.4%2.5%-0.1%
5Y2.2%2.4%-0.2%
10Y2.0%2.6%-0.6%
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4.3.2. Operating Efficiency of VersaBank.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

MeasuresΒ how efficient Versabank is operatingΒ .

  • Measures how much profit Versabank makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compareΒ Versabank to theΒ Banks - Regional industry mean.
  • An Operating Margin of 0.0%Β means the company generated $0.00 Β for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of VersaBank:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY27.1%-27.1%
TTM-5Y69.6%-69.6%
5Y69.6%10Y98.3%-28.7%
4.3.2.2. Operating Ratio

Measures how efficient Versabank is keepingΒ operating costsΒ low.

  • Below 1 is considered healthy (always compare toΒ Banks - Regional industry mean).
  • An Operation Ratio of 0.00 means that the operating costs are $0.00 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of VersaBank:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.203+0.203
TTM-5Y0.001-0.001
5Y0.00110Y0.037-0.036
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4.4.3. Liquidity of VersaBank.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Versabank is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare toΒ Banks - Regional industry mean).
  • A Current Ratio of 0.00Β means the company has $0.00 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of VersaBank:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY13.393-13.393
TTM-5Y12.869-12.869
5Y12.86910Y7.169+5.700
4.4.3.2. Quick Ratio

Measures if Versabank is able to pay off Short-term Debt but only usingΒ theΒ most liquid assets.

  • Above 1 is considered healthy butΒ always compareΒ Versabank to theΒ Banks - Regional industry mean.
  • A Quick Ratio of 0.00Β means the company can pay off $0.00 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of VersaBank:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY6.035-6.035
TTM-5Y11.518-11.518
5Y11.51810Y6.494+5.024
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4.5.4. Solvency of VersaBank.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much %Β of VersabankΒ assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compareΒ Versabank to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.90Β means that Versabank assets areΒ financed with 89.5% credit (debt) and the remaining percentage (100% - 89.5%)Β is financed by its owners/shareholders.Β 

Let's take a look of the Debt to Asset Ratio trends of VersaBank:

  • The MRQ is 0.895. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.904. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.895TTM0.904-0.009
TTM0.904YOY0.909-0.005
TTM0.9045Y0.891+0.013
5Y0.89110Y0.843+0.048
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8950.912-0.017
TTM0.9040.914-0.010
YOY0.9090.331+0.578
3Y0.9030.655+0.248
5Y0.8910.761+0.130
10Y0.8430.845-0.002
4.5.4.2. Debt to Equity Ratio

Measures ifΒ Versabank is able toΒ pay off its debts by usingΒ shareholders equity.

  • Below 2 is considered healthy butΒ always compareΒ Versabank to theΒ Banks - Regional industry mean.
  • A Debt to Equity ratio of 855.3% means that company has $8.55 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of VersaBank:

  • The MRQ is 8.553. The company is unable to pay all its debts with equity. -1
  • The TTM is 9.564. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ8.553TTM9.564-1.010
TTM9.564YOY10.023-0.459
TTM9.5645Y8.415+1.149
5Y8.41510Y7.547+0.868
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ8.55310.416-1.863
TTM9.56410.683-1.119
YOY10.0234.228+5.795
3Y9.4247.922+1.502
5Y8.4159.283-0.868
10Y7.54711.348-3.801
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

MeasuresΒ how much money you payΒ for each share forΒ every $1 in earnings Versabank generates.

  • Above 15 is considered overpriced butΒ always compareΒ Versabank to theΒ Banks - Regional industry mean.
  • A PE ratio of 14.57 means the investor is paying $14.57Β for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of VersaBank:

  • The EOD is 15.137. Based on the earnings, the company is fair priced.
  • The MRQ is 14.574. Based on the earnings, the company is underpriced. +1
  • The TTM is 19.807. Based on the earnings, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD15.137MRQ14.574+0.562
MRQ14.574TTM19.807-5.232
TTM19.807YOY8.885+10.922
TTM19.8075Y15.669+4.138
5Y15.66910Y15.142+0.526
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD15.1374.337+10.800
MRQ14.5743.875+10.699
TTM19.8076.132+13.675
YOY8.8854.741+4.144
3Y13.1905.925+7.265
5Y15.6698.400+7.269
10Y15.1429.118+6.024
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of VersaBank:

  • The EOD is -1.308. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -1.259. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -0.084. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-1.308MRQ-1.259-0.049
MRQ-1.259TTM-0.084-1.175
TTM-0.084YOY-5.473+5.389
TTM-0.0845Y-0.882+0.798
5Y-0.88210Y-0.395-0.487
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD-1.3080.376-1.684
MRQ-1.2590.336-1.595
TTM-0.0840.632-0.716
YOY-5.473-1.072-4.401
3Y-0.8442.007-2.851
5Y-0.8820.284-1.166
10Y-0.3950.095-0.490
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price ofΒ Versabank is to cheap or to expensiveΒ compared to its book value.

  • At or below 1 is considered healthyΒ (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.94 means the investor is paying $0.94Β for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of VersaBank:

  • The EOD is 0.977. Based on the equity, the company is cheap. +2
  • The MRQ is 0.941. Based on the equity, the company is cheap. +2
  • The TTM is 1.303. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD0.977MRQ0.941+0.036
MRQ0.941TTM1.303-0.362
TTM1.303YOY1.077+0.225
TTM1.3035Y1.203+0.100
5Y1.20310Y1.039+0.163
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.9770.483+0.494
MRQ0.9410.432+0.509
TTM1.3030.446+0.857
YOY1.0770.149+0.928
3Y1.0950.355+0.740
5Y1.2030.578+0.625
10Y1.0390.801+0.238
4.6.2. Total Gains per Share
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6. Financial Statements




6.1. Latest Balance Sheet

Balance Sheet of 2025-04-30. Currency in CAD. All numbers in thousands.

Summary
Total Assets5,047,133
Total Liabilities4,518,827
Total Stockholder Equity528,306
 As reported
Total Liabilities 4,518,827
Total Stockholder Equity+ 528,306
Total Assets = 5,047,133

Assets

Total Assets5,047,133
Total Current Assets0
Long-term Assets0
Total Current Assets
Cash And Cash Equivalents 340,186
Short-term Investments 105,760
Net Receivables 29,792
Total Current Assets  (as reported)0
Total Current Assets  (calculated)475,738
+/- 475,738
Long-term Assets
Property Plant Equipment 27,167
Goodwill 12,301
Long Term Investments 105,760
Intangible Assets 11,159
Long-term Assets  (as reported)0
Long-term Assets  (calculated)156,387
+/- 156,387

Liabilities & Shareholders' Equity

Total Current Liabilities0
Long-term Liabilities0
Total Stockholder Equity528,306
Total Current Liabilities
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)0
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)0
+/-0
Total Stockholder Equity
Retained Earnings 196,284
Total Stockholder Equity (as reported)528,306
Total Stockholder Equity (calculated)196,284
+/- 332,022
Other
Capital Stock329,799
Common Stock Shares Outstanding 32,519
Net Invested Capital 630,150
Property Plant and Equipment Gross 27,167



6.2. Balance Sheets Structured

Currency in CAD. All numbers in thousands.

 Trend2025-04-302025-01-312024-10-312024-07-312024-04-302024-01-312023-10-312023-07-312023-04-302023-01-312022-10-312022-07-312022-04-302022-01-312021-10-312021-07-312021-04-302021-01-312020-10-312020-07-312020-04-302020-01-312019-10-312019-07-312019-04-302019-01-312018-10-312018-07-312018-04-302018-01-312017-10-312017-07-312017-04-302017-01-312016-10-312016-07-312016-04-302016-01-312015-10-312015-07-312015-04-302015-01-312014-10-312014-07-312014-04-302014-01-312013-10-312013-07-312013-04-302013-01-312012-10-312012-07-312012-04-302012-01-312011-10-312011-07-31
> Total Assets 
0
1,485,734
0
0
1,538,769
1,534,168
1,433,585
1,390,015
1,407,342
1,404,608
1,437,288
1,386,038
1,355,087
1,445,860
1,518,795
1,525,619
1,563,102
1,625,806
1,702,015
1,698,305
1,685,294
1,704,400
1,773,004
1,688,852
1,684,523
1,725,049
1,706,613
1,750,697
1,815,234
1,809,130
1,746,278
1,796,192
1,776,659
1,785,381
1,854,765
1,966,369
1,930,256
1,943,885
2,044,976
2,139,757
2,285,771
2,415,086
2,415,346
2,692,146
3,075,343
3,264,386
3,531,690
3,729,393
3,980,845
4,201,610
4,309,635
4,388,320
4,516,436
4,838,484
4,971,732
5,047,133
5,047,1334,971,7324,838,4844,516,4364,388,3204,309,6354,201,6103,980,8453,729,3933,531,6903,264,3863,075,3432,692,1462,415,3462,415,0862,285,7712,139,7572,044,9761,943,8851,930,2561,966,3691,854,7651,785,3811,776,6591,796,1921,746,2781,809,1301,815,2341,750,6971,706,6131,725,0491,684,5231,688,8521,773,0041,704,4001,685,2941,698,3051,702,0151,625,8061,563,1021,525,6191,518,7951,445,8601,355,0871,386,0381,437,2881,404,6081,407,3421,390,0151,433,5851,534,1681,538,769001,485,7340
   > Total Current Assets 
0
193,593
0
0
193,800
132,852
100,129
82,896
98,759
184,827
213,238
202,792
101,136
151,218
165,460
133,648
139,707
133,730
153,103
124,247
147,253
101,235
142,197
99,911
103,323
166,223
91,170
150,789
129,547
137,167
102,500
129,042
116,384
146,305
142,419
347,852
360,332
264,451
221,617
280,581
305,960
282,361
166,813
211,512
100,628
88,581
220,412
243,621
109,591
156,781
131,658
226,429
0
0
0
0
0000226,429131,658156,781109,591243,621220,41288,581100,628211,512166,813282,361305,960280,581221,617264,451360,332347,852142,419146,305116,384129,042102,500137,167129,547150,78991,170166,223103,32399,911142,197101,235147,253124,247153,103133,730139,707133,648165,460151,218101,136202,792213,238184,82798,75982,896100,129132,852193,80000193,5930
       Cash And Cash Equivalents 
0
188,994
0
0
193,800
129,466
95,846
78,539
94,370
176,323
209,210
198,980
97,017
145,140
160,915
129,084
134,883
127,078
147,982
119,091
142,048
93,964
135,606
99,911
103,323
159,909
84,658
144,220
122,257
129,781
95,203
122,090
108,299
139,145
134,253
340,326
353,794
257,644
212,016
272,428
297,005
271,523
155,239
198,157
84,214
88,581
201,372
223,661
87,726
132,242
127,509
198,808
247,983
225,254
386,693
340,186
340,186386,693225,254247,983198,808127,509132,24287,726223,661201,37288,58184,214198,157155,239271,523297,005272,428212,016257,644353,794340,326134,253139,145108,299122,09095,203129,781122,257144,22084,658159,909103,32399,911135,60693,964142,048119,091147,982127,078134,883129,084160,915145,14097,017198,980209,210176,32394,37078,53995,846129,466193,80000188,9940
       Short-term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
953
953
953
-397,616
953
953
159,499
105,760
105,760159,499953953-397,616953953953000000000000000000000000000000000000000000000000
       Net Receivables 
0
4,599
0
0
0
3,386
4,283
4,357
4,389
8,504
4,028
3,812
4,119
6,078
4,545
4,564
4,824
6,652
5,121
5,156
5,205
7,271
6,591
0
0
6,314
6,512
6,569
7,290
7,386
7,297
6,952
8,085
7,160
8,166
7,526
6,538
6,807
9,601
8,153
8,955
10,838
11,574
13,355
16,414
18,476
19,040
19,960
21,865
24,539
25,649
27,621
27,415
32,495
30,337
29,792
29,79230,33732,49527,41527,62125,64924,53921,86519,96019,04018,47616,41413,35511,57410,8388,9558,1539,6016,8076,5387,5268,1667,1608,0856,9527,2977,3867,2906,5696,5126,314006,5917,2715,2055,1565,1216,6524,8244,5644,5456,0784,1193,8124,0288,5044,3894,3574,2833,3860004,5990
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
280,581
305,960
274,166
158,177
201,907
221,640
92,355
204,778
226,731
90,903
156,781
131,658
226,429
0
0
0
0
0000226,429131,658156,78190,903226,731204,77892,355221,640201,907158,177274,166305,960280,581000000000000000000000000000000000000000
   > Long-term Assets 
0
122,864
0
0
57,727
171,886
135,963
88,614
88,479
44,562
62,503
51,384
48,642
53,307
22,774
22,737
22,474
26,782
22,440
22,443
9,980
14,288
6,943
1,588,941
1,581,200
8,282
13,468
13,744
10,973
18,407
18,358
18,242
18,040
17,972
33,224
14,027
13,844
19,075
22,619
23,137
22,691
22,240
21,782
21,462
154,949
141,564
76,827
67,242
210,494
187,401
4,177,977
4,161,891
0
0
0
0
00004,161,8914,177,977187,401210,49467,24276,827141,564154,94921,46221,78222,24022,69123,13722,61919,07513,84414,02733,22417,97218,04018,24218,35818,40710,97313,74413,4688,2821,581,2001,588,9416,94314,2889,98022,44322,44026,78222,47422,73722,77453,30748,64251,38462,50344,56288,47988,614135,963171,88657,72700122,8640
       Property Plant Equipment 
0
5,186
0
0
0
4,659
0
0
18,300
4,671
16,400
15,600
15,300
4,507
16,300
15,100
15,100
4,349
19,500
0
0
4,330
6,600
7,353
7,625
8,020
8,033
8,096
7,999
8,390
8,368
8,203
8,029
7,911
10,915
10,763
10,549
10,446
12,980
12,626
12,262
11,892
11,548
11,342
11,261
10,990
10,646
10,608
10,289
9,963
27,435
27,253
27,148
26,619
27,667
27,167
27,16727,66726,61927,14827,25327,4359,96310,28910,60810,64610,99011,26111,34211,54811,89212,26212,62612,98010,44610,54910,76310,9157,9118,0298,2038,3688,3907,9998,0968,0338,0207,6257,3536,6004,3300019,5004,34915,10015,10016,3004,50715,30015,60016,4004,67118,300004,6590005,1860
       Goodwill 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5,753
5,754
5,754
5,754
5,754
5,754
5,754
5,754
5,754
5,754
5,754
5,754
5,754
5,754
5,754
12,301
12,301
12,301
12,30112,30112,3015,7545,7545,7545,7545,7545,7545,7545,7545,7545,7545,7545,7545,7545,7545,75300000000000000000000000000000000000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
953
953
953
134,635
141,564
50,800
40,605
183,897
168,893
133,958
104,722
153,979
300,253
159,499
105,760
105,760159,499300,253153,979104,722133,958168,893183,89740,60550,800141,564134,63595395395300000000000000000000000000000000000000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3,886
3,804
3,722
3,641
3,527
3,413
3,299
3,185
9,627
10,275
10,554
2,791
2,692
2,594
2,495
12,054
11,714
11,159
11,15911,71412,0542,4952,5942,6922,79110,55410,2759,6273,1853,2993,4133,5273,6413,7223,8043,88600000000000000000000000000000000000000
       Earning Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
8,629
0
953
953
953
953
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000095395395395308,6290000000000000000000000000000000000000
       Other Assets 
0
1,169,277
0
0
1,287,242
1,229,430
1,197,493
1,218,505
1,220,104
1,175,219
1,161,547
1,131,862
1,205,309
1,241,335
1,330,561
1,369,234
1,400,921
1,465,294
1,526,472
1,551,615
1,528,061
1,588,877
1,623,864
0
0
1,550,544
1,601,975
1,586,164
1,674,714
1,653,556
1,625,420
1,648,908
1,642,235
1,621,104
1,679,122
1,604,490
1,556,080
1,660,359
1,800,740
1,836,039
1,957,120
2,110,485
2,226,751
2,459,172
2,819,766
3,034,241
3,234,451
3,418,530
3,660,760
3,857,428
0
0
0
0
0
0
0000003,857,4283,660,7603,418,5303,234,4513,034,2412,819,7662,459,1722,226,7512,110,4851,957,1201,836,0391,800,7401,660,3591,556,0801,604,4901,679,1221,621,1041,642,2351,648,9081,625,4201,653,5561,674,7141,586,1641,601,9751,550,544001,623,8641,588,8771,528,0611,551,6151,526,4721,465,2941,400,9211,369,2341,330,5611,241,3351,205,3091,131,8621,161,5471,175,2191,220,1041,218,5051,197,4931,229,4301,287,242001,169,2770
> Total Liabilities 
0
1,389,158
0
0
1,444,780
1,441,064
1,339,351
1,265,877
1,282,328
1,271,475
1,303,119
1,250,637
1,218,705
1,293,341
1,364,821
1,354,156
1,390,692
1,451,184
1,525,641
1,515,672
1,500,757
1,518,516
1,570,421
47,354
43,181
1,516,508
1,494,861
1,535,450
1,596,070
1,585,563
1,518,568
1,564,453
1,540,929
1,545,218
1,610,531
1,718,056
1,678,644
1,688,597
1,785,468
1,892,391
2,033,739
2,082,980
2,078,395
2,350,732
2,728,695
2,915,323
3,180,513
3,372,874
3,615,802
3,824,452
3,920,601
3,988,217
4,107,451
4,439,281
4,450,437
4,518,827
4,518,8274,450,4374,439,2814,107,4513,988,2173,920,6013,824,4523,615,8023,372,8743,180,5132,915,3232,728,6952,350,7322,078,3952,082,9802,033,7391,892,3911,785,4681,688,5971,678,6441,718,0561,610,5311,545,2181,540,9291,564,4531,518,5681,585,5631,596,0701,535,4501,494,8611,516,50843,18147,3541,570,4211,518,5161,500,7571,515,6721,525,6411,451,1841,390,6921,354,1561,364,8211,293,3411,218,7051,250,6371,303,1191,271,4751,282,3281,265,8771,339,3511,441,0641,444,780001,389,1580
   > Total Current Liabilities 
0
3,901
0
0
0
5,633
0
0
0
2,521
0
0
0
39,481
0
51,480
57,610
64,578
71,500
80,083
85,070
87,104
92,585
0
0
92,515
93,128
94,044
97,309
99,635
98,629
95,312
98,090
100,984
107,826
104,223
92,183
100,297
106,008
107,716
108,959
117,657
6,155
5,849
8,317
7,662
5,482
4,045
7,265
9,681
9,969
24,918
0
0
0
0
000024,9189,9699,6817,2654,0455,4827,6628,3175,8496,155117,657108,959107,716106,008100,29792,183104,223107,826100,98498,09095,31298,62999,63597,30994,04493,12892,5150092,58587,10485,07080,08371,50064,57857,61051,480039,4810002,5210005,6330003,9010
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
669
0
0
0
708
0
0
0
735
0
0
0
0
0
0
00000073500070800066900000000000000000000000000000000000000000
       Accounts payable 
0
3,901
0
0
0
5,633
0
0
0
2,521
0
0
0
39,481
0
51,480
57,610
64,578
71,500
80,083
85,070
87,104
92,585
0
0
92,515
93,128
94,044
97,309
99,635
98,629
95,312
98,090
100,984
107,826
104,223
92,183
100,297
106,008
107,716
108,959
117,657
6,155
5,849
8,317
7,662
5,482
4,045
7,265
9,681
7,543
20,816
9,252
0
0
0
0009,25220,8167,5439,6817,2654,0455,4827,6628,3175,8496,155117,657108,959107,716106,008100,29792,183104,223107,826100,98498,09095,31298,62999,63597,30994,04493,12892,5150092,58587,10485,07080,08371,50064,57857,61051,480039,4810002,5210005,6330003,9010
       Other Current Liabilities 
0
-3,901
0
0
0
-5,633
0
0
0
-2,521
0
0
0
-39,481
0
-51,480
-57,610
-64,578
-71,500
-80,083
-85,070
-87,104
-92,585
0
0
-92,515
-93,128
-94,044
-97,309
-99,635
-98,629
-95,312
-98,090
-100,984
-107,826
-104,223
-92,183
-100,297
-106,008
-107,716
-108,959
-117,657
-6,155
-5,849
-8,317
-7,662
-5,482
-4,045
-7,265
-9,681
2,426
4,102
0
0
0
0
00004,1022,426-9,681-7,265-4,045-5,482-7,662-8,317-5,849-6,155-117,657-108,959-107,716-106,008-100,297-92,183-104,223-107,826-100,984-98,090-95,312-98,629-99,635-97,309-94,044-93,128-92,51500-92,585-87,104-85,070-80,083-71,500-64,578-57,610-51,4800-39,481000-2,521000-5,633000-3,9010
   > Long-term Liabilities 
0
3,901
0
0
1,444,780
5,633
1,339,351
1,265,877
1,282,328
2,521
1,303,119
1,250,637
1,218,705
39,481
1,364,821
51,480
57,610
64,578
71,500
80,083
85,070
87,104
92,585
47,354
43,181
92,515
93,128
94,044
97,309
99,635
98,629
95,312
98,090
100,984
107,826
104,223
92,183
100,297
106,008
107,716
108,959
117,657
6,155
5,849
8,317
2,915,323
5,482
109,333
106,188
111,352
3,910,632
3,963,299
0
0
0
0
00003,963,2993,910,632111,352106,188109,3335,4822,915,3238,3175,8496,155117,657108,959107,716106,008100,29792,183104,223107,826100,98498,09095,31298,62999,63597,30994,04493,12892,51543,18147,35492,58587,10485,07080,08371,50064,57857,61051,4801,364,82139,4811,218,7051,250,6371,303,1192,5211,282,3281,265,8771,339,3515,6331,444,780003,9010
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
112,782
110,086
202,040
203,590
211,149
217,155
211,196
230,397
235,532
239,836
250,411
265,677
0
0
0
0
0
0
0
0000000265,677250,411239,836235,532230,397211,196217,155211,149203,590202,040110,086112,7820000000000000000000000000000000000000
       Other Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
8,785
6,107
6,645
11,761
8,792
7,914
7,427
10,316
0
0
0
0
0
0
0
000000010,3167,4277,9148,79211,7616,6456,1078,78500000000000000000000000000000000000000000
       Deferred Long Term Liability 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6,600
7,300
7,700
0
0
0
0
0
0
0
00000007,7007,3006,6000000000000000000000000000000000000000000000000
> Total Stockholder Equity
0
96,576
0
0
93,989
93,104
94,234
124,138
125,014
133,133
134,169
135,401
136,382
152,519
153,974
171,463
172,410
174,622
176,374
182,633
184,537
185,884
202,583
204,139
206,267
208,541
211,752
215,247
219,164
223,567
227,710
231,739
235,730
240,163
244,234
248,313
251,612
255,288
259,508
247,366
252,032
332,106
336,951
341,414
346,648
349,063
351,177
356,519
365,043
377,158
389,034
400,103
408,985
399,203
521,295
528,306
528,306521,295399,203408,985400,103389,034377,158365,043356,519351,177349,063346,648341,414336,951332,106252,032247,366259,508255,288251,612248,313244,234240,163235,730231,739227,710223,567219,164215,247211,752208,541206,267204,139202,583185,884184,537182,633176,374174,622172,410171,463153,974152,519136,382135,401134,169133,133125,014124,13894,23493,10493,9890096,5760
   Common Stock
0
0
0
0
0
103,965
103,965
133,965
133,965
142,224
142,224
142,224
142,224
142,224
142,224
142,224
142,224
142,224
142,224
147,224
147,224
147,224
152,612
152,612
152,612
152,612
152,612
152,612
152,612
152,612
152,612
152,612
152,612
152,612
152,612
152,612
152,612
152,612
152,612
152,612
152,612
227,674
227,674
227,674
227,674
238,017
218,865
215,233
214,544
214,824
214,824
214,824
0
0
0
0
0000214,824214,824214,824214,544215,233218,865238,017227,674227,674227,674227,674152,612152,612152,612152,612152,612152,612152,612152,612152,612152,612152,612152,612152,612152,612152,612152,612152,612152,612152,612147,224147,224147,224142,224142,224142,224142,224142,224142,224142,224142,224142,224142,224133,965133,965103,965103,96500000
   Retained Earnings Total Equity00000000000000000000000000000000000000000000000000000000
   Accumulated Other Comprehensive Income 
0
7,368
0
0
51
72
87
30
28
24
67
73
19
19
46
33
25
13
4
6
4
6
3
5
1
4
0
0
0
0
0
0
0
0
0
0
0
0
0
-3
2
-4
13
43
67
99
72
94
52
131
73
139
0
0
0
0
00001397313152947299674313-42-30000000000000415364641325334619197367242830877251007,3680
   Capital Surplus 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
145
145
145
145
145
341
765
1,189
1,612
1,955
2,147
2,339
0
0
0
0
0
0
0
00000002,3392,1471,9551,6121,1897653411451451451451450000000000000000000000000000000000000
   Treasury Stock00000000000000000000000000000000000000000000000000000000
   Other Stockholders Equity 
0
103,965
0
0
103,965
103,965
0
0
0
54
72
90
108
122
128
134
141
145
145
145
145
145
145
145
145
145
145
145
145
145
145
145
145
145
145
145
145
145
145
145
145
145
341
765
1,189
-12,035
1,955
2,147
2,339
2,513
2,645
2,717
0
0
0
0
00002,7172,6452,5132,3392,1471,955-12,0351,189765341145145145145145145145145145145145145145145145145145145145145145145145145145141134128122108907254000103,965103,96500103,9650



6.3. Balance Sheets

Currency in CAD. All numbers in thousands.




6.4. Cash Flows

Currency in CAD. All numbers in thousands.




6.5. Income Statements

Currency in CAD. All numbers in thousands.


6.6. Latest Income Statement

Income Statement (annual), 2024-10-31. Currency in CAD. All numbers in thousands.

Gross Profit (+$)
totalRevenue111,633
Cost of Revenue-0
Gross Profit0111,633
 
Operating Income (+$)
Gross Profit0
Operating Expense-0
Operating Income00
 
Operating Expense (+$)
Research Development0
Selling General Administrative51,953
Selling And Marketing Expenses0
Operating Expense051,953
 
Net Interest Income (+$)
Interest Income285,419
Interest Expense-182,764
Other Finance Cost-0
Net Interest Income102,655
 
Pretax Income (+$)
Operating Income0
Net Interest Income102,655
Other Non-Operating Income Expenses0
Income Before Tax (EBT)54,7930
EBIT - interestExpense = -182,764
39,748
222,512
Interest Expense182,764
Earnings Before Interest and Taxes (EBIT)0237,557
Earnings Before Interest and Taxes (EBITDA)0
 
After tax Income (+$)
Income Before Tax54,793
Tax Provision-15,045
Net Income From Continuing Ops39,74839,748
Net Income39,748
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses0
Total Other Income/Expenses Net0-102,655
 

Technical Analysis of Versabank
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Versabank. The general trend of Versabank is BEARISH with 28.6% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Versabank's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (-28.6%) Bearish trend (28.6%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Versabank Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

SupportΒ is a price level at which demand for an asset is strong enough to prevent the price from falling further.
ResistanceΒ is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of VersaBank.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 16.56 < 16.56 < 17.28.

The bearish price targets are: 14.18 > 12.18 > 11.49.

Know someone who trades $VBNK? Share this with them.πŸ‘‡

VersaBank Daily Support & Resistance Chart
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2. Trend Indicators

2.1 Moving Averages

Shows theΒ moving averageΒ of the selected period.

  • Moving averages are laggingΒ trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of VersaBank. The current mas is .

The long score for the Moving Averages is 5/14.
The longshort score for the Moving Averages is -4/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 < MA 200: The MA 20 is lower than the MA 200. -1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 < MA 200: The MA 50 is lower than the MA 200. -1
  • MA 100 trending down: The MA 100 is trending down. -1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 < MA 200: The MA 100 is lower than the MA 200. -1
  • MA 200 trending down: The MA 200 is trending down. -1
  • Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

VersaBank Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows theΒ momentumΒ of theΒ selected period based on two moving averages.

  • MACD is aΒ lagging momentumΒ indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of VersaBank. The current macd is 0.11423592.

The long score for the Moving Average Convergence/Divergence (MACD) is 4/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 4/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Versabank price going up in the near term. +2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Versabank. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Versabank price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
VersaBank Daily Moving Average Convergence/Divergence (MACD) ChartVersaBank Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of VersaBank. The current adx is 11.24.

The long score for the Directional Movement Index (DMI) is 1/7.
The longshort score for the Directional Movement Index (DMI) is 1/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Versabank shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX < 25 && ADX trending down: The ADX is below 25 and indicates a weak or no trend. Also, the ADX is declining so there is no trend indication.
VersaBank Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • ShowsΒ the current trend.
  • ShowsΒ potential entry signals.
  • ShowsΒ Β potential exit signals.
  • Can be used to placeΒ trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of VersaBank. The current sar is 15.04.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
VersaBank Daily Parabolic SAR Chart
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3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentumΒ indicator, meaning the signals are instant.
  • RangesΒ between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of VersaBank. The current rsi is 56.67. The current phase is Correction in bear market.

The long score for the Relative Strength Index (RSI) is 4/13.
The longshort score for the Relative Strength Index (RSI) is 4/(-13 +13).

  • Correction in bear market: Extended price decline in a downtrend, significant pullback. Consider reducing exposure, wait for signs of trend reversal.
  • Trending up: The RSI is trending up. +1
VersaBank Daily Relative Strength Index (RSI) ChartVersaBank Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

ComparesΒ a certain price to multiple prices ranging over time.

  • LeadingΒ momentumΒ indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • RangesΒ between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of VersaBank. The current phase is Overbought in bear market.

The long score for the Stochastic Oscillator is 4/6.
The longshort score for the Stochastic Oscillator is 2/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH > 80: The STOCH %K is above 80 and overbought. +2
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Versabank price going down in the near term. -2
  • Trending up: The STOCH %K is trending up. +1
VersaBank Daily Stochastic Oscillator ChartVersaBank Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero,Β the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of VersaBank. The current cci is 121.68.

The long score for the Commodity Channel Index (CCI) is 1/1.
The longshort score for the Commodity Channel Index (CCI) is 1/(-1 +1).

  • CCI > 100: The CCI is above 100, it indicates that the price is significantly above its average, suggesting a potential overbought condition. +1
VersaBank Daily Commodity Channel Index (CCI) ChartVersaBank Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of VersaBank. The current cmo is 21.25.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
VersaBank Daily Chande Momentum Oscillator (CMO) ChartVersaBank Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

Β Shows the current price relative to the highest high over the last 14 days.
Β 

  • Lagging momentum indicator
  • Ranging between 0 andΒ -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of VersaBank. The current willr is -11.95652174.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
VersaBank Daily Williams %R ChartVersaBank Daily Williams %R Chart
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4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversoldΒ 

Score

Let's take a look at the Bollinger Bands of VersaBank.

VersaBank Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of VersaBank. The current atr is 0.38804345.

VersaBank Daily Average True Range (ATR) ChartVersaBank Daily Average True Range (ATR) Chart
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5. Volume Indicators

5.1 On-Balance Volume (OBV)

Β Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of VersaBank. The current obv is -526,750.

VersaBank Daily On-Balance Volume (OBV) ChartVersaBank Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of VersaBank. The current mfi is 65.13.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
VersaBank Daily Money Flow Index (MFI) ChartVersaBank Daily Money Flow Index (MFI) Chart
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6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for VersaBank.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2025-02-12DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2025-02-13DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2025-02-18MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-02-19STOCH SHORT EXITThe %K line crosses above the %D line.
2025-02-20STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-02-21BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2025-02-24STOCH SHORT EXITThe %K line crosses above the %D line.
2025-02-25RSI LONG ENTRY SHORT CLOSE30 crossover to upside
2025-02-27STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-03-03ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-03-04STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-05STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-03-06STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-10STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-11MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2025-03-14STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-17SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2025-03-18STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-03-19RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-20MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-03-21STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-03-24RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-26STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-27WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-03-28SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-03-31RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-04-02STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-03CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-07MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-08STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-04-09MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-04-10MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-11MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-04-14STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-15SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2025-04-16STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-17DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-04-21CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-04-22STOCH LONG EXITThe %K line crosses below the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-04-24STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-25STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-29STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-04-30STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-01STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-05-05STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-08STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-09STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-12STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-13CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-05-14STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-20STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2025-05-21STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-22STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-05-26WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2025-05-28STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-30MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-06-02DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-06-03DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-06-04DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-06-06STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-09ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-12STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-16STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-18SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-06-20MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2025-06-24WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-06-25STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-26WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-07-02STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-07-03STOCH LONG EXITThe %K line crosses below the %D line.

6.3. Candlestick Patterns

VersaBank Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of VersaBank based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5056.674
Ma 20Greater thanMa 5015.383
Ma 50Greater thanMa 10015.538
Ma 100Greater thanMa 20015.570
OpenGreater thanClose15.760
Total1/5 (20.0%)
Penke
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