Ratings VersaBank

Equities

VBNK

CA92512J1066

Market Closed - Toronto S.E. Other stock markets 03:59:53 2024-05-17 pm EDT			5-day change	1st Jan Change
13.13 ^CAD	0.00%		-0.76%	-9.70%

Apr. 17	Transcript : VersaBank - Shareholder/Analyst Call
Mar. 07	News Highlights : Top Financial Services News of the Day - Thursday at 12 AM ET	DJ

Summary

The company has a poor ESG score according to Refinitiv, which ranks companies by sector.

Strengths

Growth is a substantial asset for the company, as anticipated by dedicated analysts. Within the next three years, growth is estimated to reach -99% by 2026.
The company's profit outlook over the next few years is a strong asset.
The group's activity appears highly profitable thanks to its outperforming net margins.
Its low valuation, with P/E ratio at 6.58 and 5.14 for the ongoing fiscal year and 2025 respectively, makes the stock pretty attractive with regard to earnings multiples.
The company appears to be poorly valued given its net asset value.
Analysts have a positive opinion on this stock. Average consensus recommends overweighting or purchasing the stock.
The difference between current prices and the average target price is rather important and implies a significant appreciation potential for the stock.
The average price target of analysts who are interested in the stock has been strongly revised upwards over the last four months.
Considering the small differences between the analysts' various estimates, the group's business visibility is good.
Analysts' price targets are all relatively close, reflecting good visibility on the company's valuation.
Historically, the company has been releasing figures that are above expectations.

Weaknesses

The firm pays small or no dividend to shareholders. For that reason, it is not a yield company.
For the last twelve months, sales expectations have been significantly downgraded, which means that less important sales volumes are expected for the current fiscal year over the previous period.
For the last four months, the sales outlook for the coming years has been revised downwards. No recovery of the group's activities is yet foreseen.

Ratings chart - Surperformance

Chart ESG Refinitiv

Sector: Banks

	1st Jan change	Capi.	ESG Refinitiv
VERSABANK	-9.70%	250M	D+
JPMORGAN CHASE & CO.	+20.43%	583B	C+
BANK OF AMERICA CORPORATION	+16.75%	307B	C+
INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED	+23.30%	254B	C+
WELLS FARGO & COMPANY	+24.18%	213B	C
CHINA CONSTRUCTION BANK CORPORATION	+25.81%	191B	B-
BANK OF CHINA LIMITED	+29.53%	172B	B-
HSBC HOLDINGS PLC	+9.68%	164B	C+
ROYAL BANK OF CANADA	+8.46%	150B	B-
COMMONWEALTH BANK OF AUSTRALIA	+8.26%	137B	C+

Investor Rating

Trading Rating

ESG Refinitiv

Financials

Sales growth

Earnings Growth

EBITDA / Sales

Profitability

Finances

Valuation

P/E ratio

EV / Sales

Price to Book

Price to Free Cash Flow

Yield

Momentum

1 year Revenue revision

4 months Revenue revision

7 days Revenue revision

1 year EPS revision

4 months EPS revision

Consensus

Analyst Opinion

Potential Price Target

4m Target Price Revision

4m Revision of opinion

12m Revision of opinion

Business Predictability

Analyst Coverage

Divergence of Estimates

Divergence of analysts' opinions

Divergence of Target Price

Earnings quality

Environment

Emissions

Innovation

Use of resources

Governance

CSR Strategy

Management

Shareholders

Controversy

Technical analysis

ST Timing

MT Timing

LT Timing

RSI

Bollinger Spread

Unusual volumes