VBNK
VersaBank·NASDAQ
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4.54 / 10
Netural
Fundamental evaluation is modest (4.5/10). Gross profit margin of 36.7% and total profit/EBIT of 100% are strengths, but a -24.3% year-over-year profit decline and net profit ratio of 100% temper enthusiasm. Net assets per share grew 8.6% year-over-year, a positive sign. Overall, the fundamentals are balanced, supporting a Neutral stance.
Analysis Checks(6/10)
Net assets per share (growth rate compared to beginning of year %)
Value8.61
Score3/3
Weight9.67%
1M Return4.47%
Value8.61
Score3/3
Weight9.67%
1M Return4.47%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.07%
1M Return3.05%
Value100.00
Score1/3
Weight6.07%
1M Return3.05%
Profit-MV
Value0.87
Score1/3
Weight10.07%
1M Return4.44%
Value0.87
Score1/3
Weight10.07%
1M Return4.44%
PB-ROE
Value-0.96
Score3/3
Weight14.99%
1M Return6.02%
Value-0.96
Score3/3
Weight14.99%
1M Return6.02%
Asset-MV
Value-0.50
Score0/3
Weight9.36%
1M Return4.22%
Value-0.50
Score0/3
Weight9.36%
1M Return4.22%
Revenue-MV
Value-1.00
Score3/3
Weight15.97%
1M Return7.25%
Value-1.00
Score3/3
Weight15.97%
1M Return7.25%
Gross profit margin (%)
Value36.70
Score3/3
Weight6.93%
1M Return3.43%
Value36.70
Score3/3
Weight6.93%
1M Return3.43%
Total profit (YoY growth rate %)
Value-24.27
Score0/3
Weight3.73%
1M Return2.05%
Value-24.27
Score0/3
Weight3.73%
1M Return2.05%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight6.93%
1M Return3.43%
Value100.00
Score3/3
Weight6.93%
1M Return3.43%
Cash-MV
Value0.78
Score3/3
Weight16.29%
1M Return7.61%
Value0.78
Score3/3
Weight16.29%
1M Return7.61%
Net assets per share (growth rate compared to beginning of year %)
Value8.61
Score3/3
Weight9.67%
1M Return4.47%
Value8.61
Score3/3
Weight9.67%
1M Return4.47%
Revenue-MV
Value-1.00
Score3/3
Weight15.97%
1M Return7.25%
Value-1.00
Score3/3
Weight15.97%
1M Return7.25%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.07%
1M Return3.05%
Value100.00
Score1/3
Weight6.07%
1M Return3.05%
Gross profit margin (%)
Value36.70
Score3/3
Weight6.93%
1M Return3.43%
Value36.70
Score3/3
Weight6.93%
1M Return3.43%
Profit-MV
Value0.87
Score1/3
Weight10.07%
1M Return4.44%
Value0.87
Score1/3
Weight10.07%
1M Return4.44%
Total profit (YoY growth rate %)
Value-24.27
Score0/3
Weight3.73%
1M Return2.05%
Value-24.27
Score0/3
Weight3.73%
1M Return2.05%
PB-ROE
Value-0.96
Score3/3
Weight14.99%
1M Return6.02%
Value-0.96
Score3/3
Weight14.99%
1M Return6.02%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight6.93%
1M Return3.43%
Value100.00
Score3/3
Weight6.93%
1M Return3.43%
Asset-MV
Value-0.50
Score0/3
Weight9.36%
1M Return4.22%
Value-0.50
Score0/3
Weight9.36%
1M Return4.22%
Cash-MV
Value0.78
Score3/3
Weight16.29%
1M Return7.61%
Value0.78
Score3/3
Weight16.29%
1M Return7.61%
Is VBNK fundamentally strong?
- VBNK scores 4.54/10 on fundamentals and holds a Fair valuation at present. Backed by its 6.11% ROE, 22.83% net margin, 25.79 P/E ratio, 1.38 P/B ratio, and -39.90% earnings growth, these metrics solidify its Netural investment rating.
