VersaBank
VBNKFinancial Services · Stock · quarterly payer
Forward Yield
0.33%
Annual Dividend
$0.07
Payout Ratio
11%
5-Yr Growth
—
Ex-Date
Jul 10, 2026
Frequency
Quarterly
Summary
As of July 2026, VersaBank (VBNK) yields 0.33% ($0.07 per share annually), with a blended fair-value estimate of $55.48 — +162% upside, so it screens as undervalued. Dividend safety grade: C (60/100).
Is VBNK a good dividend stock?
Yes, with caveatsVersaBank (VBNK) pays a quarterly dividend yielding 0.33% ($0.07/yr), with 0 years of growth and a dividend-safety grade of C. It's a solid income payer, but check the caveats below before buying.
Advantages
- Comfortable payout ratio (11%)
- 101% total price return over 5 years
Risks
- Cut its dividend in 2024
Key Data
- Dividend Yield
- 0.33%
- Payout Ratio
- 11%
- Annual Dividend
- $0.07
- 5-Yr Avg Growth
- —
- Ex-Dividend Date
- Jul 10, 2026
- Years of Growth
- 0
- Frequency
- quarterly
- Beta
- 1.10
- Market Cap
- $671.6M
- P/E Ratio
- 32.1
- 5-Yr Total Return
- 101%
- 52-Week Range
- $10.10 – $25.05
- Dividend Safety
- C · 60/100
- Ever Cut?
- Yes (2024)
Frequently Asked Questions
VBNK Price — Last 12 Months
Daily close
Price Return
1 Year
+93%
3 Years
+147%
5 Years
+101%
52-Week Range
$10.10 – $25.05
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is VBNK worth?
Undervaluedlow confidenceOur blended fair-value estimate for VersaBank is $55.48 per share, versus a market price of $21.15. That implies 162% of upside — a margin of safety of about 62%.
Fair Value
$55.48
Current Price
$21.15
Upside
+162%
Margin of Safety
62%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model -5.0% — below our estimate, leaving room for upside if the business executes.
Assumptions: 9.8% discount rate (CAPM), -5.0% stage-1 growth, 2.5% terminal growth, $0.66 EPS, $0.07 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
VBNK Dividend Safety Score
Borderline
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Jul 10, 2026 | — | $0.0180 | regular |
| Apr 10, 2026 | — | $0.0180 | regular |
| Oct 10, 2025 | — | $0.0180 | regular |
| Jul 7, 2025 | — | $0.0180 | regular |
| Apr 4, 2025 | — | $0.0180 | regular |
| Jan 10, 2025 | — | $0.0170 | regular |
| Oct 4, 2024 | — | $0.0180 | regular |
| Jul 5, 2024 | — | $0.0180 | regular |
| Apr 4, 2024 | — | $0.0180 | regular |
| Jan 4, 2024 | — | $0.0190 | regular |
| Oct 5, 2023 | — | $0.0180 | regular |
| Jul 6, 2023 | — | $0.0190 | regular |
| Apr 5, 2023 | — | $0.0190 | regular |
| Jan 5, 2023 | — | $0.0190 | regular |
Income Calculator
At $0.07 / yr per share
