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VersaBank
VBNKFinancial ServicesNASDAQGB
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $120.23M | 23.7% | $28.49M | -$60.11M | N/A |
| 2027 | $155.45M | 23.7% | $36.84M | -$77.73M | -$70.66M |
| 2028 | $201.00M | 23.7% | $47.64M | -$100.50M | -$83.06M |
| 2029 | $259.90M | 23.7% | $61.60M | -$129.95M | -$97.63M |
| 2030 | $336.05M | 23.7% | $79.64M | -$168.02M | -$114.76M |
| 2031 | $434.51M | 23.7% | $102.98M | -$217.25M | -$134.90M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $0.90 | 2025-10-31 |
| EPS growth | -39.6% | Forecast years: 5 |
| Future EPS | $0.072 | EPS × (1 + G)^5 |
| Base P/E | 18.4 | P/E |
| Future price | $1.331 | Future EPS × P/E |
| Fair value today | $0.827 | PV @ 10.0% |
| 30% safety price | $0.579 | Margin of safety |
| 50% safety price | $0.413 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | -$71.731 | -$83.326 | -$99.136 |
| 10.0% | -$60.143 | -$68.692 | -$79.87 |
| 11.0% | -$51.032 | -$57.54 | -$65.784 |