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VBNK

VersaBank
Chart
26.98 CAD
Latest Week 2026-06-05
Financial ServicesBanks - RegionalSMALL
Snapshot 2026-06-07 · 0.0w · Fresh
0.82
OS Score
73.0%
Value
33.0%
Quality
83.0%
Momentum
4/9
F-Score
0.491
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
4 of 23 passing
★
OS Composite
OS 0.820
↗
Trending Value
✗
◆
Quality × Value
✗
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
Noneyr
🌱
GARP
✗
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
12-1 81%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
RAM 1.95
V
Value Analysis
Cheapness relative to fundamentals
73.0%ile
P/E
28.6×
P/S
6.1×
P/B
1.6×
FCF Yield
0.589
SH Yield
0.009
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
38.00000000
/100 — 1=cheapest
VC2 (Trending Value)
65.00000000
/100
VC3 (Buyback)
68.00000000
/100
FCF yield of 58.9% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
33.0%ile
ROE
0.055
ROA
0.005
Net Margin
0.215
F-Score
4/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.117
Earn Growth
-0.417
Stability
0.284
lower=better
Accruals
-0.033
lower=better
5yr Consist
Yes
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
83.0%ile
6M Return
58.9%
12M Return
88.8%
12-1 Mom
80.5%
Risk-Adj
1.95
Vol 252d
41.3%
Vol 60d
95.8%
↑ Expanding
Max DD 12M
-19.9%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 81% is very strong — a clear uptrend. Risk-adjusted momentum of 1.95 is excellent — strong returns relative to volatility. Near-term vol (96%) is expanding vs long-term (41%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.82
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 82 peers
Sector Value %ile
63.9%
Sector Quality %ile
33.7%
P/E z-score
0.83
P/B z-score
-0.26
Sector Avg OS
58.4%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
XAU Goldmoney Inc. 98.0% 98.0% 64.0% 84.0%
PWI Power & Infrastructure Split Corp. 96.0% 92.0% 83.0% 74.0%
AGF-B AGF Management Limited 96.0% 93.0% 80.0% 72.0%
QRC Queen's Road Capital Investment Ltd. 95.0% 80.0% 82.0% 92.0%
CF Canaccord Genuity Group Inc. 95.0% 90.0% 78.0% 69.0%
DS Dividend Select 15 Corp. 92.0% 83.0% 76.0% 63.0%
MFC Manulife Financial Corporation 90.0% 92.0% 81.0% 34.0%
POW Power Corporation of Canada 90.0% 75.0% 73.0% 77.0%
Factor Interactions
Trending Value Signal
Cheap (73th value) with strong momentum (83th). The market is starting to recognise the value.
Hot but Volatile
Strong momentum (83th) but high volatility (41%). Momentum could reverse sharply.
Volatility Expanding
60-day vol (96%) significantly exceeds 252-day (41%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
63.0% avg (5 factors)
Quality
D
44.9% avg (4 factors)
Momentum
A
93.4% avg (4 factors)
Risk
C
47.8% avg (1 factors)
Deep value territory, but quality is concerning. This is either a turnaround opportunity or a value trap — the F-Score and accruals ratio will be key differentiators. Momentum is confirming the value — this is the Trending Value signal that O'Shaughnessy found to be among the most powerful.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.820—1—
Value %ile0.730—1—
Quality %ile0.330—0—
Momentum %ile0.830—1—
F-Score4.000—1—
Confidence0.727—1—
Volatility0.413—1—
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
28.59
Price / Sales
6.14
Price / Book
1.57
Price / Cash Flow
3.56
FCF Yield
58.9%
Sales Yield (1/P·S)
0.3495
Shareholder Yield
Div + net buyback / mktcap
0.9%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
5.5%
Return on Assets
0.5%
Net Margin
21.5%
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.033
External Financing
Net issuance — lower=better
0.002
MomentumPrice trend strength over different horizons
6M Return
58.9%
12M Return
88.8%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
80.5%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
1.95
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
11.7%
Earnings Growth (YoY)
-41.7%
Earnings Stability (CV)
Lower = more stable
0.284
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
4
Dividend Yield
0.0%
Buyback Yield
0.5%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
38
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
65
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
68
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity