VersaBank is a Canadian Schedule I chartered bank with a difference. VersaBank became the world's first digital financial institution when it adopted its highly efficient business-to-business model using its proprietary state-of-the-art financial technology to profitably address underserved segments of the Canadian banking market in the pursuit of superior net interest margins, while mitigating risk. VersaBank obtains all of its deposits and provides the majority of its loans and leases electronically, with innovative deposit and lending solutions for financial intermediaries that allow them to excel in their core businesses. In addition, leveraging its internally developed IT security software and capabilities, VersaBank established a wholly-owned, subsidiary.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	1.9
Equity-to-Asset	0.09
Debt-to-Equity	0.26
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-1.97	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

6/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	17.3
	3-Year EPS without NRI Growth Rate	24.2
	3-Year FCF Growth Rate	-18.3
	3-Year Book Growth Rate	9.4

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	80.63
	9-Day RSI	69.72
	14-Day RSI	64.9
	6-1 Month Momentum %	-2.78
	12-1 Month Momentum %	38.72

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	0.61
	Dividend Payout Ratio	0.06
	Forward Dividend Yield %	0.61
	5-Year Yield-on-Cost %	1.5
	3-Year Average Share Buyback Ratio	-7.1
	Shareholder Yield %	0.83

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	41.46
	FCF Margin %	48.2
	ROE %	12.45
	ROA %	1.14
	Years of Profitability over Past 10-Year	10

GF Value Rank

6/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	8.98
	Forward PE Ratio	6.91
	PE Ratio without NRI	8.98
	Shiller PE Ratio	17.14
	Price-to-Owner-Earnings	8.86
	PEG Ratio	1.07
	PS Ratio	3.71
	PB Ratio	1.08
	Price-to-Tangible-Book	1.11
	Price-to-Free-Cash-Flow	7.37
	Price-to-Operating-Cash-Flow	5.7
	EV-to-Revenue	2.96
	EV-to-Forward-Revenue	3.59
	EV-to-FCF	5.55
	Price-to-Projected-FCF	0.58
	Price-to-DCF (Earnings Based)	0.28
	Price-to-DCF (FCF Based)	0.61
	Price-to-Median-PS-Value	1.21
	Price-to-Peter-Lynch-Fair-Value	1.03
	Price-to-Graham-Number	0.67
	FCF Yield %	13.18
	Forward Rate of Return (Yacktman) %	18.03

GF Value: $10.7

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