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VBNK
Volume: 53.51K
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VersaBank (VBNK) Stock Forecast & Price Target

VersaBank (VBNK) Analyst Ratings

Based on 3 analyst ratings
Buy
Strong Buy 33%
Buy 67%
Hold 0%
Sell 0%
Strong Sell 0%

Bulls say

VersaBank has exhibited solid growth in its deposit book, achieving C$3.8 billion, which reflects a 3.5% increase over F2Q24 and a 14.8% rise from F3Q23, highlighting its effective accumulation of cash ahead of strategic acquisitions. The loan portfolio also shows positive momentum, growing to C$4.0 billion, representing a 0.8% gain since F2Q24 and a robust 10.6% year-over-year increase, driven by a strong demand for digital banking and point-of-sale (POS) loans. With the POS lending portfolio now consisting of 80% of total loans and projected growth from C$4.1 billion at the end of FY24 to C$5.1 billion by FY25, VersaBank is well-positioned for continued expansion in the digital financial services sector.

Bears say

VersaBank's net interest income has declined to C$24.9 million, a decrease from C$26.2 million in the prior quarter and flat compared to the same period last year, indicating challenges in sustaining profitability. The commercial real estate (CRE) loan portfolio reflects a concerning trend, with a 1.0% sequential decline and an 8.3% year-over-year decrease, raising potential risks associated with credit quality. Additionally, net interest margins have shrunk to 2.23%, down from 2.45% and 2.57% in earlier periods, compounded by interest expense pressures linked to rising cost of funds amidst a falling interest rate environment, which may lead to further earnings shortfalls in the face of potential economic downturns.

VersaBank (VBNK) has been analyzed by 3 analysts, with a consensus rating of Buy. 33% of analysts recommend a Strong Buy, 67% recommend Buy, 0% suggest Holding, 0% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of VersaBank and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About VersaBank (VBNK) Forecast

Analysts have given VersaBank (VBNK) a Buy based on their latest research and market trends.

According to 3 analysts, VersaBank (VBNK) has a Buy consensus rating as of Jun 16, 2025. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $17.67, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $17.67, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

VersaBank (VBNK)

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