VersaBank (VBNK) Fair Value 2026

VBNK · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.7 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (20/100)

Quick Summary — As of 2026-08-27, VersaBank (VBNK) trades at $20.49, versus a $6.75 median fair value across its 6 active models — 67.1% below the current price. QOC: 7.7/10. Value Trap Risk: 20/100 (SAFE). 6/13 models active.

Key Facts

Ticker
VBNK
Price
$20.49
Quality Score
7.7/10
Value Trap Risk
20/100
Models Active
6/13
Last Updated
Strength: 6 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is VersaBank (VBNK) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, VersaBank (VBNK) appears overvalued as of : the median of 6 independent fair value estimates is $6.75, 67.1% below the current price of $20.49. Estimates range from $0.52 to $25.75. VBNK scores 7.7/10 on fundamental quality and 20/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. VBNK’s -67.1% gap is wider than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy VersaBank Stock in 2026? →

What Fair Value Does Each Model Give VBNK?

6 Intrinsic Value Models vs. Current Price ($20.49)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $6.67 -67.5%
Ensemble · Low Conviction
 $6.83 -66.6%
Intrinsic · High Conviction
 $0.52 -97.5%
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What Is VBNK's Fair Value Range?

Spread across 6 independent models · $0.52 to $25.75

CirclFi's 6 active models place VersaBank (VBNK) between $0.52 and $25.75 per share, a spread of 374% of the median. The median of that range — $6.75 — is the fair value CirclFi publishes for VBNK, against a current price of $20.49.

Low · Markov DDMHigh · Regime Cross
$0.52median $6.75$25.75
Where the range comes from
Most bearish modelMarkov DDM$0.52
Most bullish modelRegime Cross-Sectional$25.75
Model agreement1 bullish · 5 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for VBNK. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on VBNK, not a CirclFi price target. How each model works →

What Is VersaBank (VBNK) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, VersaBank's intrinsic value is estimated at $6.75, suggesting the stock is overvalued at its current price of $20.49. With 5 out of 6 models flagging downside (-67.1% vs price), the market may be pricing in unsustainable growth. Model dispersion is worth noting: Regime Cross targets $25.75 (+25.7%), versus Markov DDM at $0.52 (-97.5%). This +123.1% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About VBNK?

6 of 13 models are currently active for VBNK. Of these, 1 model suggests upside while 5 models suggest overvaluation. Taken together, their median fair value for VBNK is $6.75 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does VBNK Rank in Banks - Regional?

Among 349 Banks - Regional stocks, VBNK ranks #235 by Quality of Company score. CirclFi's QOC score of 7.7/10 evaluates 32 fundamental signals. A score of 7.7 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

Within the Banks - Regional space, VersaBank competes in an environment where non-performing loan ratio often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is VBNK a Value Trap?

CirclFi's Value Trap algorithm assigns VBNK a score of 20/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for VersaBank. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, VersaBank is rated at 7.7/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.

The gap between the most bullish and bearish model spans +123.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every VBNK valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across VBNK's 6 active models, average confidence is 39%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy VersaBank Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

BHBBar Harbor BanksharesQOC 7.7BOKFBOK Financial CorporationQOC 7.7CZWICitizens Community Bancorp, Inc.QOC 7.7EFSIEagle Financial Services, Inc.QOC 7.7FMNBFarmers National Banc Corp.QOC 7.7BOHBank of Hawaii CorporationQOC 7.7FNWBFirst Northwest BancorpQOC 6.4HBTHBT Financial, Inc.QOC 8.5UNBUnion Bankshares, Inc.QOC 8.1ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: BHB · BOKF · CZWI · EFSI · FMNB · BOH · FNWB · HBT · UNB · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to VBNK?

6 companies across all industries closest to VBNK’s Quality of Company score of 7.7/10.

IXORIX CorporationQOC 7.7DSXDiana Shipping Inc.QOC 7.7REZIResideo Technologies, Inc.QOC 7.7AVYAvery Dennison CorporationQOC 7.7VZVerizon Communications Inc.QOC 7.7NVDANVIDIA CorporationQOC 10.0

Read investment analysis: IX · DSX · REZI · AVY · VZ · NVDA

Where Does VBNK Sit in CirclFi's Banks - Regional Rankings?

VBNK is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About VersaBank’s Valuation?

What is VersaBank's intrinsic value in 2026?

CirclFi puts VersaBank (VBNK)'s intrinsic value at $6.75 — the median of 6 independent model estimates as of 2026-08-27, ranging from $0.52 to $25.75. The Quality of Company score is 7.7/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is VBNK overvalued or undervalued right now?

At $20.49, 1 of 6 active models suggest VBNK may be undervalued, while 5 indicate potential overvaluation. The median of all 6 fair value estimates is $6.75, 67.1% below the current price of $20.49 — a consensus view that VBNK is overvalued. The assessment depends on which methodology best fits VersaBank's business model in Banks - Regional.

What does a Quality of Company score of 7.7 mean for VBNK?

VersaBank's QOC of 7.7/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on VBNK?

CirclFi analyzes VBNK with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on VBNK?

Of the 6 models currently active on VBNK, Regime Cross-Sectional is the most bullish at $25.75 per share, and Markov DDM is the most bearish at $0.52. CirclFi's published fair value for VBNK is the median of that range, $6.75, not either extreme. The gap between the two ends equals 374% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is VBNK a value trap in 2026?

VersaBank's Value Trap score is 20/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, VersaBank (VBNK) has a median fair value of $6.75 — 67.1% below the current price of $20.49 — as of 2026-08-27.” Source: circlfi.com/stock/VBNK/ · Methodology
Primary sources for this VBNK valuation
  • Financial statements: VersaBank 10-K and 10-Q filings on SEC EDGAR (CIK 0001690639) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for VBNK as of ; valuations recomputed .

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