VersaBank cash flow to debt ratio of 40.96% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

VersaBank's free cash flow has decreased -82.88% from $254.13M last year to $43.50M, signaling decreasing performance

VersaBank's debt to equity ratio is 0.19, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.

VersaBank's debt has decreased relative to shareholder equity from 0.27 last year to 0.19 today, signaling strengthened financials

VersaBank has a net debt to EBITDA ratio of 0.00x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

VersaBank earns at least as much interest as it pays. Interest obligations are fully covered.

VersaBank's profit margin has decreased (-73.77%) in the last year from 35.61% to 9.34%, signaling decreasing performance

VersaBank's short-term liabilities of $4.86G exceed its short-term assets of $613.45M, signaling financial risk

VersaBank's return on assets of 0.47% is lower than the 5.00% threshold, indicating inefficient asset utilization

VersaBank's return on equity of 5.64%, is lower than 15.00%, indicating bad performance

VersaBank's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

VersaBank had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings

VersaBank has positive free cash flow, indicating the company generates cash after capital expenditures

VersaBank has a free cash flow yield of 7.01%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

VersaBank's yearly earnings has decreased -28.40% since last year from $39.75M to $28.46M, signaling decreasing performance

VersaBank's yearly revenue has increased 7.70% since last year from $111.63M to $120.23M, signaling increasing performance

ROIC 3.31% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

VersaBank's 3-year revenue CAGR of -3.20% is negative, indicating declining revenue over the past 3 years

VersaBank had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance

VersaBank had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity

VersaBank has insufficient data to evaluate this check.

VersaBank has an earnings yield of 4.91%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

VersaBank is undervalued relative to its fair value price of 24.49 based on EBITDA multiple model

VersaBank has an EV/EBITDA ratio of 8.67x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

VersaBank is undervalued relative to its fair value price of 20.06 based on Earnings Fair Value model

VersaBank has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

VersaBank has a price-to-book ratio of 1.59x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

VersaBank has a price-to-sales ratio of 2.70x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue