VersaBank
Financial ratios & Valuation

Forward Multiples (2025 – 2025)

2025
Price/Earnings ratio
5.28
Price/Sales ratio
N/A
Earnings per Share (EPS)
$2.02

Historical Multiples (2015 – 2024)

2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 TTM Median
Valuation Ratios
Price/Earnings ratio
10.9111.096.118.777.077.7214.4311.446.7714.1713.277.07
Price/Sales ratio
2.532.362.713.072.652.764.943.142.625.042.552.76
Price/Book Value ratio
0.510.500.570.700.590.580.970.740.751.411.320.59
Price/Cash Flow ratio
-1.56-2.011.52-10.647.221.07-2.98-7.943.012.062.872.87
Price/Free Cash Flow ratio
-1.56-2.001.57-9.987.311.07-2.98-7.803.022.213.083.08
Price/Earnings Growth ratio
0.79-3.660.032.42-6.08-2.180.84-0.640.07-2.400.50-6.08
Dividend Yield
2.03%2.34%1.84%1.91%2.57%2.85%1.19%1.43%1.26%0.63%0.78%2.85%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100.56%100%123.42%100%
Operating Profit Margin
25.55%29.63%33.60%105.30%51.59%49.37%47.10%100.37%53.06%N/A23.43%49.37%
Pretax Profit Margin
25.55%29.63%33.60%48.39%51.59%49.37%47.10%39.50%53.06%49.08%27.48%49.37%
Net Profit Margin
23.23%21.34%44.41%34.96%37.45%35.81%34.24%27.50%38.81%35.60%19.93%35.81%
Effective Tax Rate
9.08%27.96%-32.17%27.74%27.40%27.46%27.31%30.38%26.85%27.45%27.45%27.40%
Return on Assets
0.50%0.49%1.12%0.99%1.13%0.99%0.92%0.69%1.00%0.82%0.82%0.99%
Return On Equity
4.70%4.55%9.33%8.08%8.40%7.60%6.73%6.49%11.17%9.95%9.95%8.40%
Return on Capital Employed
0.57%0.72%0.90%3.18%1.65%1.45%1.34%2.53%1.37%N/A0.96%1.45%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Quick Ratio
2.071.161.792.682.835.204.7326.02N/AN/AN/A5.20
Cash ratio
1.961.071.721.301.372.562.3011.56N/AN/AN/A2.56
Days of Sales Outstanding
68.6466.8852.5652.1648.4645.8560.52N/AN/A106.2459.4948.46
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A59.49N/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/A-4.47KN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/A4.47KN/A59.49N/A
Debt Ratios
Debt Ratio
0.030.030.020.020.020.000.030.030.020.020.020.00
Debt Equity Ratio
0.320.310.200.190.150.050.280.300.280.250.250.15
Long-term Debt to Capitalization
0.240.230.170.160.130.050.220.230.220.200.200.13
Total Debt to Capitalization
0.240.230.170.160.130.050.220.230.220.200.200.13
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A0.25N/A
Cash Flow to Debt Ratio
-0.99-0.811.80-0.340.5110.23-1.13-0.310.882.661.790.51
Company Equity Multiplier
9.319.168.278.097.437.617.279.3511.1412.1212.127.43
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
-1.62-1.171.77-0.280.362.57-1.65-0.390.872.440.920.36
Free Cash Flow / Operating Cash Flow Ratio
11.000.971.060.980.991.001.010.990.930.890.99
Cash Flow Coverage Ratio
-0.99-0.811.80-0.340.5110.23-1.13-0.310.882.661.790.51
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Dividend Payout Ratio
22.17%25.98%11.30%16.84%18.21%22.05%17.18%16.45%8.53%9.02%9.02%22.05%