13F Pro Quality Score

49.7/100

Rank #1,646 of 2,962 stocks

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Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

57.6/100

Profitability

77.5/100

Balance Sheet

37.8/100

Earnings Quality

30.0/100

Free Cash Flow

30.0/100

Institutional Flow

34.1/100

Revenue Scale

19.4/100

Dilution Risk

94.7/100
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VBNK Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for VersaBank (VBNK), a Financials sector company. 13F Pro's AI-powered ranking engine scores VBNK at 49.7/100 on a 32-signal composite quality model, placing it at rank #1,646 of 2,962 stocks — the bottom half of the AI-ranked universe. VBNK scores in the top quartile across profitability (77.5). Areas of concern include revenue scale (19.4) and free cash flow (30.0), which score below median versus the broader universe. Top institutional holders of VBNK by reported 13-F value include ALLIANCEBERNSTEIN L.P., CIBC WORLD MARKET, MENDON CAPITAL ADVISORS, based on the most recent SEC filings. VBNK trades on the Nasdaq exchange and files with the SEC under CIK 1690639. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate VBNK daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for VersaBank directly from SEC EDGAR. VersaBank's 13F Pro composite quality score has ranged between 50 and 56 since 2026, currently 49.7 — a declining long-term trajectory across 47 quarterly and live scoring snapshots.

Fun facts about VersaBank

Quirks, history, and lore behind VBNK — the kind of stuff that makes a stock memorable.

  • 1
    The Basics
    A Canadian chartered bank · small-cap · listed on both Nasdaq and the TSX · headquartered in Ontario.
  • 2
    The Numbers
    Total assets in the range of $4–5 billion CAD — tiny by bank standards — yet it consistently posts strong return-on-equity by keeping overhead almost invisible.
  • 3
    The History
    Reborn in the 1990s from the remnants of a struggling trust company, it reinvented itself not with branches and tellers but with a radically branchless, digital-first model long before fintech was a buzzword.
  • 4
    The Secret
    Its killer niche is storing seized and frozen assets for insolvency trustees and receivers — money that sits in limbo and earns the bank a near-zero-cost deposit base.
  • 5
    The Lore
    It bills itself as the world's first Schedule I bank to operate without physical branches, essentially running a full Canadian charter through technology alone — a feat the big five never bothered attempting.
  • 6
    The Giveaway
    Its name literally shouts flexibility, and its ticker — VBNK — pairs a Swiss-army-knife prefix with the word every regulator loves: Bank.
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Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+11.7% YoY
$124.6MFY 2025
FY22 $82.4MFY23 $108.6MFY24 $111.6MFY25 $124.6M

Total Assets

+20.0% YoY
$5.81BFY 2025
FY22 $3.27BFY23 $4.20BFY24 $4.84BFY25 $5.81B

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Available Research

13F Pro tracks comprehensive data for VersaBank including:

SEC EDGAR filings (10-K, 10-Q, 8-K)
XBRL financial facts (revenue, EPS, margins)
Insider transactions (Form 4)
Institutional 13F holdings
Quality rankings (32 signals)
AI analyst debates & daily meetings
Historical financial trends
Peer comparison & sector analysis

Top Institutional Holders of VBNK

Companies Similar to VBNK

Ranked by quality-profile closeness and shared hedge-fund ownership — not just sector membership.

CBK

Commercial Bancgroup, Inc.

55
AI score
Similar quality profile · 7 shared holders
USCB

USCB FINANCIAL HOLDINGS, INC.

50
AI score
Shared smart-money ownership · 6 shared holders
AMTB

Amerant Bancorp Inc.

56
AI score
Similar quality profile · 5 shared holders
FRST

Primis Financial Corp.

61
AI score
Similar quality profile · 5 shared holders
GBFH

GBank Financial Holdings Inc.

60
AI score
Similar quality profile · 3 shared holders
BWB

Bridgewater Bancshares Inc

61
AI score
Similar quality profile · 6 shared holders
EQBK

EQUITY BANCSHARES INC

44
AI score
Similar quality profile · 5 shared holders
MBIN

Merchants Bancorp

58
AI score
Similar quality profile · 1 shared holders

Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.

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Is VBNK a good stock to buy?

13F Pro's AI-powered analysis of VersaBank (VBNK) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for VBNK are available on the VBNK stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. VBNK is classified as a small company.

Which hedge funds own VBNK?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling VBNK. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of VersaBank's investment landscape.