VersaBank's latest earnings report shows strong performance, exceeding expectations and indicating solid growth potential.
Recent earnings trend
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VersaBank
VBNK.TO
VBNK.TO
VersaBank
WealthAwesomeMarket cap
$999.80M
P/E
29.4x
52W high
$33.97
52W low
$15.75
1W change
+12.47%
Beta
1.10
Analyst Price Targets
Based on analyst covering VBNK
Wall Street analysts forecast VBNK stock price to rise 0.5% over the next 12 months.
Consensus
NeutralBased on avg. target vs last close (formal rating unavailable for Canadian listings)
Avg. Target
C$31.00
+0.5% Upside
Current Price
C$30.84
Last close
Analyst ratings and price targets are updated periodically. Not financial advice.
Wealth Awesome Price Forecast
WA ModelStatistical 90-day price range based on VBNK's historical volatility
30-Day Vol
42.0%
Annualized
90-Day Vol
44.9%
Annualized
Trend (90d)
+50.0%
Annualized drift
90d Mean
C$36.87
Expected price
| Horizon | Expected | 68% Range (1ฯ) |
|---|---|---|
| 30 trading days | C$32.73 | C$28.31 โ C$37.84 |
| 60 trading days | C$34.74 | C$28.30 โ C$42.64 |
| 90 trading days | C$36.87 | C$28.68 โ C$47.39 |
Methodology: Range is calculated using 30-day realized volatility via geometric Brownian motion (log-normal model). 68% band = ยฑ1ฯ, 95% band = ยฑ2ฯ. This is a statistical model, not a prediction. Past volatility does not guarantee future results. Not financial advice.
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Analyst coverage: 3 analyst(s) cover this name; upcoming EPS consensus is available.
Beat estimates in 3 of the last 4 comparable quarter(s).
| Fiscal period | Report date | Actual EPS | Estimate | Surprise |
|---|---|---|---|---|
| 2026-07-31 | 2026-09-03 | 0.3800 | 0.3000 | +26.7% |
| 2026-04-30 | 2026-06-03 | 0.3900 | 0.3800 | +2.6% |
| 2026-01-31 | 2026-03-03 | 0.3800 | 0.3500 | +8.6% |
| 2025-10-31 | 2025-12-10 | 0.3300 | 0.3400 | -2.9% |
| 2025-07-31 | 2025-09-04 | 0.3000 | 0.2400 | +25.0% |
| 2025-04-30 | 2025-06-04 | 0.2600 | 0.2800 | -7.1% |
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On September 3, 2026, VersaBank (VBNK.TO) reported its fiscal Q3 earnings, revealing an earnings per share (EPS) of $0.38. This surpassed analysts' estimates of $0.30 by 26.67%. This marks the third time in the last four quarters that the bank has exceeded earnings expectations, highlighting a consistent trend of strong performance.
Investor takeaway: The notable EPS surprise and a positive outlook for future earnings growth suggest that VersaBank is well-positioned in the financial sector. Investors may see this as a strong indicator of the bank's operational effectiveness and market strategy.
EPS of $0.38 Beats Estimates by 26.7%
The EPS surprise of 26.67% reflects the bank's strong operational performance and its ability to navigate market challenges effectively.
Bull case
VersaBank's consistent ability to beat earnings estimates shows strong management and operational efficiency. With an EPS growth estimate of 48.8% year-over-year and a solid revenue growth projection of 24.8%, the bank is set for continued success. The recent price forecast also suggests potential upside, making it an attractive option for investors.
Bear case
Despite the positive earnings report, there are concerns about the bank's relatively high P/E ratio of 29.37, which may indicate overvaluation. Additionally, potential market volatility and economic uncertainties could pose risks to future performance, so it's important for investors to proceed with caution.
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