What Is VersaBank (VBNK) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, VersaBank presents a highly debated valuation profile at its current price of $21.75. The composite intrinsic value is estimated at $28.44 (+30.8% average upside), masking a wide model spread between the 7 bullish models and 6 bearish models. Model dispersion is worth noting: RCMH-DCF targets $107.02 (+392.0%), versus Markov DDM at $0.64 (-97.1%). This +489.1% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About VBNK?
13 of 13 models are currently active for VBNK. Of these, 7 models suggest upside while 6 models suggest overvaluation. The Bayesian DCF estimates VBNK's intrinsic value at $62.08, implying +185.4% upside from the current price. See which stocks rank higher →
How Does VBNK Rank in Commercial Banks, NEC?
Among 33 Commercial Banks, NEC stocks, VBNK ranks #7 by Quality of Company score. CirclFi's QOC score of 8.5/10 evaluates 32 fundamental signals. A score of 8.5 places VBNK in the top tier.
See all Most Undervalued Commercial Banks, NEC Stocks →
Within the Commercial Banks, NEC 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?
The Value Trap algorithm is not active for VBNK. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
13 of 13 models are active for VersaBank. Broad coverage provides high confidence. 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 8.5/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.
The gap between the most bullish and bearish model spans +489.1% — 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 13 active models, average confidence is 34%. 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 →
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