VILLAGE BANCORP INC
Research VILLAGE BANCORP INC (VBNK) on Bullrun: valuation model: 21.1% overvalued, market cap USD 714.52M, P/E 29.0, dividend yield 0.2%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerVBNK
- ExchangeNASDAQ
- CountryCanada
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal21.1% overvalued
- Market capUSD 714.52M
- P/E29.0
- Dividend yield0.2%
- Financial periodQ3 2026
- RevenueCAD 38.81M
- Net incomeCAD 10.06M
- Free cash flow-CAD 44.91M
Valuation Snapshot
Bullrun's latest valuation model marks VILLAGE BANCORP INC as 21.1% overvalued; latest market cap is USD 714.52M; P/E is 29.0; dividend yield is 0.2%.
Peer valuation comparison
Latest P/E is 28.95x versus a Financial Services sector median of 13.39x (116.2% above).
Latest dividend yield is 0.24% versus a Financial Services sector median of 3.66% (93.4% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | CAD 124.64M | CAD 28.46M | CAD 43.50M | n/a | 0.9 | CAD 581.71M | CAD 108.51M | CAD 532.67M |
| FY2024 | CAD 111.63M | CAD 39.75M | CAD 254.13M | n/a | 1.49 | CAD 225.25M | CAD 108.58M | CAD 399.20M |
| FY2023 | CAD 108.64M | CAD 42.16M | CAD 94.36M | n/a | 1.57 | CAD 132.24M | CAD 110.62M | CAD 377.16M |
| FY2022 | CAD 82.39M | CAD 22.66M | -CAD 33.24M | n/a | 0.79 | CAD 88.58M | CAD 109.42M | CAD 350.68M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-10-09 | USD 714.52M | 29.0 | 0.3% | 0.07 |
| 2025 | 2025-12-31 | USD 478.54M | 23.0 | 0.4% | 0.06 |
| 2024 | 2024-12-31 | USD 450.29M | 12.6 | 0.6% | 0.08 |
| 2023 | 2023-12-29 | USD 283.87M | 9.4 | 0.7% | 0.08 |
| 2022 | 2022-12-30 | USD 205.03M | 12.3 | 1.1% | 0.08 |
| 2021 | 2021-12-31 | USD 326.55M | 15.7 | 0.2% | 0.02 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 0.07 USD, yield 0.2%.
| Year | Dividends/share |
|---|---|
| FY2025 | 0.06 CAD |
| FY2024 | 0.08 CAD |
| FY2023 | 0.08 CAD |
| FY2022 | 0.08 CAD |
About VILLAGE BANCORP INC
VersaBank provides various banking products and services in Canada and the United States. The company operates through four segments: Digital Banking Canada, Digital Banking USA, DRTC (Cybersecurity), and Digital Meteor. It offers deposit products, such as guaranteed investment certificates, registered retirement savings plans, and tax-free savings accounts, as well as deposit insurance products.
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Frequently asked questions
Is VILLAGE BANCORP INC overvalued or undervalued?
Bullrun's valuation model currently marks VILLAGE BANCORP INC as 21.1% overvalued.
What is VILLAGE BANCORP INC's market cap?
VILLAGE BANCORP INC's market capitalization is USD 714.52M.
What is VILLAGE BANCORP INC's P/E ratio?
VILLAGE BANCORP INC's price-to-earnings (P/E) ratio is 29.0.
Does VILLAGE BANCORP INC pay a dividend?
VILLAGE BANCORP INC has a dividend yield of 0.2%.
What does VILLAGE BANCORP INC do?
VersaBank provides various banking products and services in Canada and the United States. The company operates through four segments: Digital Banking Canada, Digital Banking USA, DRTC (Cybersecurity), and Digital Meteor. It offers deposit products, such as guaranteed investment certificates, registered retirement savings plans, and tax-free savings accounts, as well as deposit insurance products.