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VersaBank

ID: VBNK SECTOR: Financial Services INDUSTRY: Banks - Regional
18.16
+0.27 (1.48%)
Ref: 2026-04-24

Dividend Discount Models Snapshot

ModelRangeSelected
Stable Growth DDM $5.28 - $7.09 $6.20
Multi-Stage DDM $7.84 - $8.64 $8.23
Blended Fair Value $7.21
Stock Price$16.85

Dividend History (Last 10 Years)

Metric 2025202420232022202120202019201820172016
DPS 0.1030.1380.1370.1360.1770.2030.1740.1440.1050.111
YoY % -25.70%0.85%0.77%-23.10%-12.74%16.37%20.83%36.60%-4.81%18.22%
Yield 0.61%0.82%0.81%0.81%1.05%1.20%1.03%0.86%0.63%0.66%

CAGRValue
5 Year-12.71%
10 Year0.91%

Discounted Dividend Model - Stable Growth

MetricRangeSelected
LT Growth -5.73% to -3.73% -4.73%
WACC9.00%9.00%
Fair Value $5.28 - $7.09 $6.20

Calculation Details (Millions)

MetricLOWBASEHIGH
Required Retention Ratio 20.0% 12.5% 7.5%
(*) Adjusted Net Income 20.60 20.60 20.60
(=) Cash Required 4.12 2.57 1.54
(=) Excess Retained per Share 0.72 0.79 0.84
LTM Dividend per Share 0.103 0.103 0.103
(=) Adjusted Dividend 0.825 0.893 0.938

Multi-Stage Projections (BASE Case - Millions)

MetricTTMYear 1Year 2Year 3Year 4Year 5
Net Income 20.60 19.6218.6917.8116.9716.16
Projected Dividends 2.34 4.917.6610.1512.3914.55

Multi-Stage Valuation (Millions)

Present ValuesLOWBASEHIGH
Year 1 PV 4.65 4.70 4.75
Year 2 PV 6.59 6.74 6.88
Year 3 PV 7.93 8.18 8.44
Year 4 PV 8.78 9.16 9.55
Year 5 PV 9.36 9.87 10.40
TV PV 141.44 149.10 157.10
Equity Value 178.76 187.75 197.12
Fair Value $7.84 $8.23 $8.64

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