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Last update at 2026-03-10T20:00:00Z
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TSX Value Picks Including Exchange Income And 2 Stocks Priced Below Estimated Worth
Mon 19 May 25, 12:44 PMTSX Value Stocks Celestica And 2 Others That May Be Trading Below Estimated Worth
Tue 13 May 25, 12:56 PM3 TSX Stocks Estimated To Be 25% To 32% Below Intrinsic Value
Mon 12 May 25, 12:42 PM3 TSX Companies That May Be Priced Below Their Estimated Value
Thu 03 Apr 25, 12:08 PM3 TSX Stocks Estimated To Be Trading At Discounts Up To 47%
Fri 21 Mar 25, 12:08 PM3 TSX Growth Companies With High Insider Ownership And 27 Percent Revenue Growth
Thu 20 Feb 25, 01:02 PM3 TSX Growth Companies With Insider Ownership Up To 38%
Mon 16 Dec 24, 01:01 PMTop TSX Growth Companies With High Insider Ownership In November 2024
Mon 25 Nov 24, 01:04 PM3 TSX Growth Companies With High Insider Ownership Growing Revenues At 10%
Fri 15 Nov 24, 01:08 PM| Breakdown | 2025-10-31 | 2024-10-31 | 2023-10-31 | 2022-10-31 | 2021-10-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-10-31 | 2024-10-31 | 2023-10-31 | 2022-10-31 | 2021-10-31 |
| Income before tax | 41.49M | 54.79M | 57.65M | 32.55M | 30.79M |
| Minority interest | - | - | - | - | - |
| Net income | 28.46M | 39.75M | 42.16M | 22.66M | 22.38M |
| Selling general administrative | 71.71M | 51.95M | 46.48M | 45.53M | 31.35M |
| Selling and marketing expenses | - | - | - | - | - |
| Gross profit | 120.23M | 111.63M | 108.03M | 82.39M | 65.36M |
| Reconciled depreciation | 3.10M | 2.63M | 1.78M | 1.94M | 1.73M |
| Ebit | 41.49M | 54.79M | 57.65M | 82.70M | 60.12M |
| Ebitda | 44.59M | 57.43M | 59.43M | 84.64M | 61.85M |
| Depreciation and amortization | 3.10M | 2.63M | 1.78M | 1.94M | 1.73M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 41.49M | 54.79M | 57.65M | 82.70M | 60.12M |
| Other operating expenses | 262.66M | 239.60M | 180.27M | - | - |
| Interest expense | 179.51M | 182.76M | 129.28M | 50.15M | 29.33M |
| Tax provision | 13.04M | 15.04M | 15.48M | 9.89M | 8.41M |
| Interest income | 295.68M | 285.42M | 229.33M | 126.82M | 89.49M |
| Net interest income | 116.17M | 102.66M | 100.05M | 76.67M | 60.16M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 13.04M | 15.04M | 15.48M | 9.89M | 8.41M |
| Total revenue | 304.15M | 294.40M | 237.92M | 82.39M | 65.36M |
| Total operating expenses | 78.73M | 57.11M | 50.38M | - | - |
| Cost of revenue | 183.93M | 182.50M | 129.89M | - | - |
| Total other income expense net | - | - | 57.65M | -50.15100M | -29.33100M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 28.46M | 39.75M | 42.16M | 22.66M | 22.38M |
| Net income applicable to common shares | 28.46M | 38.76M | 41.17M | 21.67M | 20.80M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2025-10-31 | 2024-10-31 | 2023-10-31 | 2022-10-31 | 2021-10-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-10-31 | 2024-10-31 | 2023-10-31 | 2022-10-31 | 2021-10-31 |
| Total assets | 5808.48M | 4838.48M | 4201.61M | 3264.39M | 2415.09M |
| Intangible assets | 10.56M | 12.05M | 2.79M | 3.19M | 3.64M |
| Earning assets | - | - | - | - | 0.95M |
| Other current assets | - | - | - | 14.70M | 8.20M |
| Total liab | 5275.80M | 4439.28M | 3824.45M | 2915.32M | 2082.98M |
| Total stockholder equity | 532.67M | 399.20M | 377.16M | 349.06M | 332.11M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 4860.13M | - | - | 131.91M | -117.65700M |
| Common stock | 325.91M | - | - | 238.02M | 227.67M |
| Capital stock | 325.91M | 215.61M | 228.47M | 238.02M | 241.32M |
| Retained earnings | 203.73M | 181.24M | 146.04M | 109.33M | 90.64M |
| Other liab | - | - | - | 8.79M | 8.79M |
| Good will | 12.30M | 12.30M | 5.75M | 5.75M | 5.75M |
| Other assets | 4.04M | - | - | 3034.24M | 2110.49M |
| Cash | 581.71M | 225.25M | 132.24M | 88.58M | 271.52M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 4860.86M | - | - | 2797.82M | 117.66M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | -473.19800M | - | - | 16.37M | -171.13800M |
| Short term debt | 0.61M | - | - | - | - |
| Short long term debt | - | - | - | - | - |
| Short long term debt total | 106.18M | - | - | 104.95M | 100.39M |
| Other stockholder equity | 2.47M | - | - | 1.61M | 0.29M |
| Property plant equipment | 26.36M | - | - | 10.99M | 11.89M |
| Total current assets | 613.45M | - | - | 88.58M | 282.36M |
| Long term investments | 81.88M | 300.25M | 168.89M | 141.56M | 0.95M |
| Net tangible assets | - | - | - | 341.74M | 322.71M |
| Short term investments | 0.95M | 0.95M | - | - | - |
| Net receivables | 30.79M | 32.49M | 24.54M | 3.77M | 10.84M |
| Long term debt | 103.52M | 102.50M | 106.85M | 231.06M | 206.04M |
| Inventory | - | - | - | - | - |
| Accounts payable | - | - | 9.68M | 2638.30M | 117.66M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | 0.56M | - | - | 0.10M | -0.00400M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | - | - |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 17.88M | - | - | -141.56400M | -22.24000M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 5195.02M | - | - | 141.56M | 22.24M |
| Capital lease obligations | 5.00M | 6.08M | 3.77M | - | 5.11M |
| Long term debt total | 105.57M | - | - | 235.53M | 211.15M |
| Breakdown | 2025-10-31 | 2024-10-31 | 2023-10-31 | 2022-10-31 | 2021-10-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-10-31 | 2024-10-31 | 2023-10-31 | 2022-10-31 | 2021-10-31 |
| Investments | 213.21M | -157.58300M | -28.14000M | -141.03100M | -0.95300M |
| Change to liabilities | - | - | - | 0.00000M | 0.00000M |
| Total cashflows from investing activities | 212.26M | -157.58300M | -28.14000M | -141.61200M | -8.44000M |
| Net borrowings | -0.36700M | -5.73600M | -0.70000M | -0.64200M | 78.84M |
| Total cash from financing activities | 102.04M | -23.33200M | -17.31200M | -6.30100M | 131.40M |
| Change to operating activities | - | - | - | -865.49300M | -421.39000M |
| Net income | 28.46M | 39.75M | 42.16M | 22.66M | 22.38M |
| Change in cash | 356.46M | 93.01M | 49.27M | -182.94200M | 13.88M |
| Begin period cash flow | 225.25M | 132.24M | 88.58M | 271.52M | 257.64M |
| End period cash flow | 581.71M | 225.25M | 132.24M | 88.58M | 271.52M |
| Total cash from operating activities | 44.45M | 272.70M | 94.72M | -32.65400M | -108.30500M |
| Issuance of capital stock | 114.77M | 0.61M | 0.28M | 0.00000M | 73.23M |
| Depreciation | 3.10M | 2.63M | 1.78M | 1.94M | 1.73M |
| Other cashflows from investing activities | 213.21M | -126.88900M | -27.77800M | -141.03100M | -8.42600M |
| Dividends paid | -3.23500M | -3.58800M | 3.60M | 3.73M | 3.85M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | - | - | - | - | - |
| Sale purchase of stock | -9.12700M | -14.00800M | -13.29200M | -1.93000M | -16.81300M |
| Other cashflows from financing activities | - | -14.61500M | 840.84M | -141.61200M | 179.00M |
| Change to netincome | - | - | - | 17.88M | 1.87M |
| Capital expenditures | 0.95M | 18.58M | 0.36M | 0.58M | 0.01M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | - | - | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | - | - |
| Change in working capital | 122.50M | 229.86M | 12.44M | -75.12800M | -134.28600M |
| Stock based compensation | 0.08M | 0.35M | 0.90M | 1.47M | 53.62M |
| Other non cash items | -122.71900M | -14.93400M | -100.05100M | 6.52M | -6.53700M |
| Free cash flow | 149.44M | 254.13M | 94.36M | -33.23500M | -108.31900M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (CAD) | Price (CAD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| VBNK VersaBank |
0.23 1.18% | 19.70 | 24.72 | 15.72 | 5.85 | 1.32 | 6.51 |
| EQB EQB Inc. |
-0.61 0.51% | 117.88 | 16.75 | 11.76 | 3.73 | 1.30 | 14.67 |
| LB Laurentian Bank Of Canada |
-0.03 0.07% | 40.31 | 14.05 | 13.32 | 1.94 | 0.65 | 13.77 |
VersaBank provides various banking products and services in Canada and the United States. The company operates through Digital Banking Canada; Digital Banking USA; and DRTC (cybersecurity services and banking and financial technology development) segments. It offers deposit products, such as guaranteed investment certificates, registered retirement savings plans, and tax-free savings accounts, as well as deposit insurance products. The company also provides lending services, including point of sale financing that covers purchasing loan and lease receivables from finance companies operating in various industries; commercial real estate mortgages and loans, public sector, leases, and other financing. In addition, it provides cybersecurity services. The company was formerly known as Pacific & Western Bank of Canada and changed its name to VersaBank in May 2016. VersaBank was incorporated in 1979 and is headquartered in London, Canada.
140 Fullarton Street, London, ON, Canada, N6A 5P2
| Name | Title | Year Born |
|---|---|---|
| Mr. David Roy Taylor B.Sc., BSc (Hons), FICB, M.B.A., MBA, PPL | Pres, CEO & Director | 1953 |
| Mr. R. Shawn Clarke M.B.A., M.Eng., P.Eng. | Chief Financial Officer | 1971 |
| Mr. Nikola Kristo B.Com., M.B.A., B.Comm, MBA | Chief Credit Officer | NA |
| Mr. Michael Richard Dixon B.Com., B.Comm., M.B.A. | Sr. VP of Point-of-Sale Financing | NA |
| Terri Wilson | VP of Investment & Risk Control | NA |
| Mr. David William Thoms B.A., BA., M.B.A., MBA | VP of Structured & Corp. Fin. | NA |
| Mr. Wooi Koay B.Com., B.Sc. | Chief Information Officer | NA |
| Mr. Brent Tyler Hodge CIPP, J.D. | VP, Gen. Counsel, Corp. Sec. & Chief Compliance Officer | NA |
| Mr. Jonathan Francis Patrick Taylor B.B.A., C.H.R.L., CHRL | Chief HR Officer | 1960 |
| Mr. Telemaco G. Matrundola B.A., Ph.D., M.A. | Chief Strategist of Cyber Security | NA |
Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
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