Stock Scorecard
Stock Summary for VILLAGE BANCORP INC (VBNK) - $16.64 as of 2/18/2026 10:03:15 PM EST
Total Score
12 out of 30
Safety Score
44 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for VBNK
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for VBNK
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for VBNK
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for VBNK
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for VBNK (44 out of 100)
| Stock Price Rating (Max of 10) | 6 |
| Historical Stock Price Rating (Max of 10) | 4 |
| Stock Price Trend (Max of 10) | 10 |
| Book Value (Max of 10) | 5 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 4 |
| Dividend Yield Percentage (Max of 10) | 1 |
| Operating Margin (Max of 10) | 5 |
| Trading Volume (Max of 10) | 1 |
| Price to Earnings (Max of 10) | 7 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for VBNK
Financial Details for VBNK
Company Overview |
|
|---|---|
| Ticker | VBNK |
| Company Name | VILLAGE BANCORP INC |
| Country | USA |
| Description | VersaBank (VBNK) is a pioneering Canadian digital bank headquartered in London, Ontario, recognized for its innovative banking solutions facilitated by a cutting-edge technology platform. Specializing in both commercial and residential lending, the bank excels in cybersecurity and digital banking, ensuring secure and efficient service tailored to client needs. Its distinctive cloud-based infrastructure underpins cost-effective operations while offering a comprehensive suite of financial products. Positioned strategically within the shifting landscape of financial services, VersaBank is poised to leverage emerging opportunities resulting from digital transformation and evolving consumer preferences. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 10/31/2025 |
| Next Earnings Date | 3/4/2026 |
Stock Price History |
|
| Last Day Price | 16.64 |
| Price 4 Years Ago | 7.34 |
| Last Day Price Updated | 2/18/2026 10:03:15 PM EST |
| Last Day Volume | 26,203 |
| Average Daily Volume | 43,960 |
| 52-Week High | 16.99 |
| 52-Week Low | 8.47 |
| Last Price to 52 Week Low | 96.46% |
Valuation Measures |
|
| Trailing PE | 24.48 |
| Industry PE | 14.82 |
| Sector PE | 17.00 |
| 5-Year Average PE | 9.11 |
| Free Cash Flow Ratio | 0.91 |
| Industry Free Cash Flow Ratio | 10.95 |
| Sector Free Cash Flow Ratio | 20.37 |
| Current Ratio Most Recent Quarter | 0.13 |
| Total Cash Per Share | 18.21 |
| Book Value Per Share Most Recent Quarter | 12.24 |
| Price to Book Ratio | 1.32 |
| Industry Price to Book Ratio | 1.24 |
| Sector Price to Book Ratio | 1.91 |
| Price to Sales Ratio Twelve Trailing Months | 4.29 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.43 |
| Sector Price to Sales Ratio Twelve Trailing Months | 4.04 |
| Analyst Buy Ratings | 0 |
| Analyst Strong Buy Ratings | 2 |
Share Statistics |
|
| Total Shares Outstanding | 31,945,500 |
| Market Capitalization | 531,573,120 |
| Institutional Ownership | 36.38% |
Dividends |
|
| Ex-Dividend Date | 1/9/2026 |
| Previous Dividend Amount | 0.0250 |
| Current Dividend Amount | 0.0250 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.10 |
| Trailing Annual Dividend Yield | 0.61% |
| Forward Annual Dividend Rate | 0.10 |
| Forward Annual Dividend Yield | 0.61% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 0.67% |
| 5-Year Average Dividend Yield | 0.92% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 13.99% |
| Dividend Payout Ratio | 15.15% |
Income Statement |
|
| Quarterly Earnings Growth YOY | -20.50% |
| Annual Earnings Growth | -28.40% |
| Reported EPS 12 Trailing Months | 0.66 |
| Reported EPS Past Year | 0.00 |
| Reported EPS Prior Year | 0.84 |
| Net Income Twelve Trailing Months | 28,458,000 |
| Net Income Past Year | 28,458,000 |
| Net Income Prior Year | 39,748,000 |
| Quarterly Revenue Growth YOY | 23.10% |
| 5-Year Revenue Growth | 6.89% |
| Operating Margin Twelve Trailing Months | 29.30% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 581,710,000 |
| Total Cash Past Year | 581,710,000 |
| Total Cash Prior Year | 225,254,000 |
| Net Cash Position Most Recent Quarter | 478,194,000 |
| Net Cash Position Past Year | 478,194,000 |
| Long Term Debt Past Year | 103,516,000 |
| Long Term Debt Prior Year | 102,503,000 |
| Total Debt Most Recent Quarter | 103,516,000 |
| Equity to Debt Ratio Past Year | 0.84 |
| Equity to Debt Ratio Most Recent Quarter | 0.84 |
| Total Stockholder Equity Past Year | 532,673,000 |
| Total Stockholder Equity Prior Year | 399,203,000 |
| Total Stockholder Equity Most Recent Quarter | 532,673,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 41,921,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 1.31 |
| Free Cash Flow Past Year | 43,497,000 |
| Free Cash Flow Prior Year | 254,127,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 0.00 |
| 20-Day Bollinger Middle Band | 0.00 |
| 20-Day Bollinger Upper Band | 0.00 |
| Beta | 0.95 |
| RSI | 0.00 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 2/17/2026 10:07:06 AM EST |