Market Closed -
Other stock markets
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5-day change | 1st Jan Change | ||
14.81 CAD | +0.34% |
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+1.23% | +1.86% |
06-25 | Versabank Gets Canadian Regulatory Blessing for US Bank Acquisition | MT |
06-25 | VersaBank Obtains Approval From Canadian Regulator for Acquisition of Stearns Bank Holdingford | MT |
Valuation
Fiscal Period: October | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
---|---|---|---|---|---|---|
Capitalization 1 | 139.2 | 405.6 | 254.9 | 269 | 384.5 | - |
Enterprise Value (EV) 1 | 139.2 | 405.6 | 254.9 | 269 | 384.5 | 384.5 |
P/E ratio | 8.04 x | 15.4 x | 11.8 x | 6.6 x | 8.87 x | 7.33 x |
Yield | - | 0.68% | 1.08% | - | 0.65% | 0.65% |
Capitalization / Revenue | - | 6.21 x | 3.09 x | 2.48 x | 3.22 x | 2.69 x |
EV / Revenue | - | 6.21 x | 3.09 x | 2.48 x | 3.22 x | 2.69 x |
EV / EBITDA | - | - | - | - | - | - |
EV / FCF | - | - | - | - | - | - |
FCF Yield | - | - | - | - | - | - |
Price to Book | - | 1.27 x | 0.75 x | 0.74 x | 0.96 x | 0.88 x |
Nbr of stocks (in thousands) | 21,124 | 27,441 | 27,441 | 25,964 | 25,964 | - |
Reference price 2 | 6.590 | 14.78 | 9.290 | 10.36 | 14.81 | 14.81 |
Announcement Date | 20-11-25 | 21-12-01 | 22-12-07 | 23-12-13 | - | - |
Income Statement Evolution (Annual data)
Fiscal Period: October | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
---|---|---|---|---|---|---|
Net sales 1 | - | 65.36 | 82.39 | 108.6 | 119.4 | 142.9 |
EBITDA | - | - | - | - | - | - |
EBIT | - | 30.35 | 33 | 58.25 | - | - |
Operating Margin | - | 46.44% | 40.05% | 53.62% | - | - |
Earnings before Tax (EBT) | - | 30.79 | 32.55 | 57.64 | - | - |
Net income 1 | 19.4 | 22.38 | 22.66 | 42.16 | 51.2 | 61.8 |
Net margin | - | 34.24% | 27.5% | 38.81% | 42.9% | 43.25% |
EPS 2 | 0.8200 | 0.9600 | 0.7900 | 1.570 | 1.670 | 2.020 |
Free Cash Flow | - | - | - | - | - | - |
FCF margin | - | - | - | - | - | - |
FCF Conversion (EBITDA) | - | - | - | - | - | - |
FCF Conversion (Net income) | - | - | - | - | - | - |
Dividend per Share 2 | - | 0.1000 | 0.1000 | - | 0.0960 | 0.0960 |
Announcement Date | 20-11-25 | 21-12-01 | 22-12-07 | 23-12-13 | - | - |
Income Statement Evolution (Quarterly data)
Fiscal Period: October | 2022 Q1 | 2022 Q2 | 2022 Q3 | 2022 Q4 | 2023 Q1 | 2023 Q2 | 2023 Q3 | 2023 Q4 | 2024 Q1 | 2024 Q2 | 2024 Q3 | 2024 Q4 | 2025 Q1 | 2025 Q2 | 2025 Q3 |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net sales 1 | 18.27 | 18.64 | 21.24 | 24.25 | 25.92 | 26.68 | 26.86 | 29.17 | 28.85 | 28.5 | 29.6 | - | - | - | - |
EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
EBIT | - | - | - | 10.48 | 13.58 | 13.96 | 13.98 | 16.73 | 16.83 | 16.32 | - | - | - | - | - |
Operating Margin | - | - | - | 43.2% | 52.41% | 52.31% | 52.05% | 57.35% | 58.32% | 57.25% | - | - | - | - | - |
Earnings before Tax (EBT) | 7.628 | 6.79 | - | 10.27 | 13.2 | 13.72 | 13.81 | 16.92 | 16.95 | 16.3 | - | - | - | - | - |
Net income 1 | 5.566 | 4.943 | - | 6.429 | 9.417 | 10.26 | 10 | 12.48 | 12.7 | 11.83 | 12.6 | - | - | - | - |
Net margin | 30.47% | 26.53% | - | 26.51% | 36.33% | 38.46% | 37.24% | 42.78% | 44.02% | 41.5% | 42.57% | - | - | - | - |
EPS 2 | 0.1900 | 0.1700 | - | 0.2300 | 0.3400 | 0.3800 | 0.3800 | 0.4700 | 0.4800 | 0.4500 | 0.4100 | 0.3800 | 0.3700 | 0.3900 | 0.4400 |
Dividend per Share 2 | 0.0250 | 0.0250 | - | 0.0250 | 0.0245 | 0.0250 | - | 0.0250 | 0.0250 | - | 0.0270 | 0.0270 | 0.0270 | 0.0270 | 0.0270 |
Announcement Date | 22-03-02 | 22-06-01 | 22-08-31 | 22-12-07 | 23-03-08 | 23-06-07 | 23-08-30 | 23-12-13 | 24-03-06 | 24-06-05 | - | - | - | - | - |
Balance Sheet Analysis
Fiscal Period: October | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
---|---|---|---|---|---|---|
Net Debt | - | - | - | - | - | - |
Net Cash position | - | - | - | - | - | - |
Leverage (Debt/EBITDA) | - | - | - | - | - | - |
Free Cash Flow | - | - | - | - | - | - |
ROE (net income / shareholders' equity) | - | 8.45% | 6.61% | 11.8% | 13.1% | 14.5% |
ROA (Net income/ Total Assets) | - | 0.95% | 0.76% | 1.1% | - | - |
Assets 1 | - | 2,356 | 2,981 | 3,833 | - | - |
Book Value Per Share 2 | - | 11.60 | 12.40 | 14.00 | 15.50 | 16.90 |
Cash Flow per Share | - | - | - | - | - | - |
Capex | - | - | - | - | - | - |
Capex / Sales | - | - | - | - | - | - |
Announcement Date | 20-11-25 | 21-12-01 | 22-12-07 | 23-12-13 | - | - |
EPS & Dividend
Year-on-year evolution of the PER
Year-on-year evolution of the Yield
Change in Enterprise Value/EBITDA
![Consensus](/images/consensus_flch.gif)
EPS Revisions
1st Jan change | Capi. | |
---|---|---|
+1.86% | 282M | |
+16.44% | 569B | |
+16.96% | 308B | |
+21.20% | 259B | |
+24.95% | 188B | |
+28.52% | 172B | |
+8.10% | 160B | |
-0.69% | 156B | |
+8.39% | 150B | |
+13.81% | 143B |
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