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VersaBank (VBNK) — RQD Stock Rating Cockpit

$21.71 -1.14% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $21.62

VersaBank (VBNK) carries a Roarable Rating of D+ (Sell) with 55/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $711.9M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on VBNK Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is VBNK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, VersaBank (NASDAQ: VBNK) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $21.71 (-1.14% 1D, market cap $711.9M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, VBNK ranks #528 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does VBNK compare to PGC and AGBK in the Financials sector?
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Within the Financials sector (Commercial Banks), VBNK carries a Roarable D+ (55/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, PGC (Peapack-Gladstone Financial Corporation) holds a C- grade (59/100 RQD, P/E 21.8x, ROIC 5.7%, cap $803.6M) and AGBK (AGI Inc (Class A)) posts a D grade (45/100 RQD, P/E N/A, ROIC —, cap $824.7M). Among the 5-stock peer group, PGC leads on earnings multiple (21.8x) while PGC leads on capital efficiency (5.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for VBNK?
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For VersaBank (VBNK), key quantitative strengths include Established market leader in Financials with deep daily trading liquidity and sector rank #528 in Financials, while primary risk factors center on Company executives have done more routine share selling than personal cash buying lately and implied 5-year growth hurdle of 8.0%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $21.62 (-0.40%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 0.5% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 55/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.5% avg 90D alpha vs SPY • 51.4% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510055
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C-
Cash (11)Whales (11)SEC (13)Macro (11)CEO (9)
Each axis scored 0–20
12M PRICE TARGET CONE-1.3% Base Target
$26 Bull$21 Base$17 Bear
📬 FREE VBNK RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for VBNK)Realized 20D OHLCV Swing Band: ±6.1%
Deterministic 5-Pillar Attribution (55/100 Composite)
🔍 WHY VBNK SCORES 55/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (24% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Cash Engine Quality+11/20 pts (20% of score)

SEC XBRL Trailing 12 Months: 0.5% FCF Margin ($19.9M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution9/20 pts (-11 pt drag)

Disciplined Float (-0.40% YoY Shares) & executive Form 4 sales trim 11 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
63
Grade C+$22.65+0.1% Next Q
Q2 (-2Q)
60
Grade C$22.67-1.5% Next Q
Q3 (-1Q)
58
Grade C$22.34-2.8% Next Q
Current
55
Grade D+$21.71-0.5% Hist 90D α
Trajectory: C+ (63) → D+ (55)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the VBNK Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 55/100 (D+) score, VBNK faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Disciplined Float (-0.40% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($22.08) or 200D SMA ($18.83) invalidates the momentum regime and cuts Target Base ($21.42) toward Bear Floor ($16.71).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $VBNK• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “VBNK Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”
YES 55%NO 45%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
45.830 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
7 / 99-Pt Accounting
52-WEEK LASER RANGE76% OF RANGE
L: $11$21.71H: $25
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: D+RQD 11 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: DRQD 20 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C-RQD 24 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on VBNK

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (55)

14.0% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (52)

20/40 institutional & smart-money positioning score with 11/20 macro alignment.

Bull Case: Why Buyers Like VBNK
  • ✓Established market leader in Financials with deep daily trading liquidity.
Bear Case: What Could Go Wrong
  • !Company executives have done more routine share selling than personal cash buying lately.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring VBNK)

  • ✓Walkthrough of VBNK's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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VBNK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +21.49%📐 WEDGE COMPRESSION COIL
2026-11-03O $22.58H $22.58L $21.71C $21.71VOL 88.5K
RES: $23.82SUP: $19.02SMA50: $22.08SMA200: $18.83
$25.85$22.54$19.24$15.93$12.62RES $23.82SUP $19.02$21.712026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

VBNK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 VBNK Butterfly Map → + Track VBNK →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on VBNK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for VBNK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for VBNK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (VBNK)

Financials Rank #528 of 1097 ⚔️ PGC vs VBNK Full Matrix →

1. Head-to-Head Financials Peer Comparison (VBNK vs. PGC, AGBK, SUPV, AVBH)

Industry: Commercial Banks (34 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, VersaBank (VBNK) ranks #528 by composite RQD confidence (55/100, grade D+) and #618 by equity capitalization ($711.9M). Within this direct 5-issuer industry benchmark cohort, PGC leads on earnings valuation at 21.8x trailing P/E, while PGC leads on capital efficiency and profitability with 5.7% ROIC and — gross margin. PGC currently holds the highest overall quantitative score in the immediate peer group at 59/100 (C-) compared with VBNK at 55/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
VBNK ACTIVE
VersaBank
D+ 55/100 — — — -1.14% $711.9M Benchmark Subject
PGC
Peapack-Gladstone Financial Corporation
C- 59/100 21.8x — 5.7% +3.33% $803.6M /pgc-vs-vbnk →
AGBK
AGI Inc (Class A)
D 45/100 — — — +0.97% $824.7M /agbk-vs-vbnk →
SUPV
Grupo Supervielle S.A. each Representing five (Class B)
D- 43/100 — — — -5.59% $588.3M /supv-vs-vbnk →
AVBH
Avidbank Holdings Inc.
D+ 58/100 — — -7.0% +2.43% $375.2M /avbh-vs-vbnk →

2. VBNK Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

VersaBank (VBNK) operates in Commercial Banks (Financials) with an equity capitalization of $711.9M, trailing P/E of N/A, forward P/E of N/A, and EV/EBITDA of N/A. Operating profitability registers a gross margin of —, operating margin of —, net profit margin of —, ROIC of —, and free cash flow yield of —, alongside an Altman Z-Score of N/A and Piotroski F-Score of N/A.

3. VBNK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is VBNK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, VersaBank (NASDAQ: VBNK) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $21.71 (-1.14% 1D, market cap $711.9M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, VBNK ranks #528 in composite RQD confidence.

How does VBNK compare to PGC and AGBK in the Financials sector?

Within the Financials sector (Commercial Banks), VBNK carries a Roarable D+ (55/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, PGC (Peapack-Gladstone Financial Corporation) holds a C- grade (59/100 RQD, P/E 21.8x, ROIC 5.7%, cap $803.6M) and AGBK (AGI Inc (Class A)) posts a D grade (45/100 RQD, P/E N/A, ROIC —, cap $824.7M). Among the 5-stock peer group, PGC leads on earnings multiple (21.8x) while PGC leads on capital efficiency (5.7% ROIC).

What are the biggest fundamental strengths and SEC risk factors for VBNK?

For VersaBank (VBNK), key quantitative strengths include Established market leader in Financials with deep daily trading liquidity and sector rank #528 in Financials, while primary risk factors center on Company executives have done more routine share selling than personal cash buying lately and implied 5-year growth hurdle of 8.0%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

Where is VBNK trading relative to its 50-day, 200-day, and 52-week technical levels?

VBNK last traded at $21.71 (-1.14% on volume of 84,455 shares), positioning the stock -1.68% below its 50-day simple moving average ($22.08) and +15.29% above its 200-day simple moving average ($18.83). Across its 52-week range of $11.25 to $25.05, VBNK sits at the 75.8% percentile with a 14-day RSI of 45.8 (NEUTRAL RANGE) and an implied next-earnings move of ±6.1% ($20.39 to $23.03).

Direct Sub-Reports: VBNK RQD Cockpit VBNK 12M Forecast VBNK Earnings & Move VBNK Dividends & DRIP VBNK Insiders & 13F VBNK Whale Options VBNK Profit Sankey VBNK News & Why
ROARABLE RATING BRIEF • RQD 55/100 (D+) ✓ SEC XBRL & RQD VERIFIED

VBNK — VersaBank: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2026-11-03

1. Roarable Rating Brief: What This Means to a Prospective Investor

VersaBank (VBNK) earns a live Roarable RQD composite score of 55/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $21.71 (-1.14% 1D, market capitalization $711.9M).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of —, gross margin of —, operating margin of —, and free cash flow yield of —.
  • Whale 13F & Options Flow (11/20) + Insider Conviction (9/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (11/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of N/A, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

VersaBank (VBNK) is a NASDAQ-listed operating company in the Commercial Banks industry (Financials sector) with an equity market capitalization of $711.9M. The business operates with a gross margin of 0%, an operating margin of 0%, and a return on invested capital (ROIC) of 0% (free cash flow yield of 0%). Within the Commercial Banks peer group, investor evaluation centers on operating leverage, unit margin durability, and capital allocation efficiency across market cycles.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 55/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of — and institutional whale pillar of 11/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 11/20, sustained execution supports upside toward the upper end of the $11.25 – $25.05 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Watch items for an investor, drawn from the news wire, are the reorganization and parent-company timeline and the reported U.S.

  • Key Question #1: Can VBNK sustain or expand its — operating margin and — ROIC against Commercial Banks peers over the next 4 quarters?
  • Key Question #2: Will free cash flow conversion (— FCF yield) strengthen balance-sheet liquidity (Altman Z-Score N/A) toward the $25.05 52-week high?
  • Key Question #3: How sensitive is VBNK's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

VBNK Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for VersaBank (VBNK) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to VBNK Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

VBNK Bull vs. Bear Conversation Board — What's Your Call at $21.71?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON VBNK 🐻 33% BEARISH CONVICTION
1. Pick Your Side on VBNK:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH 🎯 Target: $25.25 (+15.0%)
📌 Pinned Debate

Forensic balance sheet metrics (Altman Z 2.5, Piotroski F 6/9, Debt/Equity 0.5) are comparatively solid at 13 of 20 points.

Forensic balance sheet metrics (Altman Z 2.5, Piotroski F 6/9, Debt/Equity 0.5) are comparatively solid at 13 of 20 points.. When you look under the hood at VBNK, Fundamental Cash Engine is 11/20 with 0.0% gross margins and 0.0% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (11/20) has been quietly accumulating below $25.05. My 12M target is $25.25.

VolSurface_Trader 🐂 BULL

@FadeTheHype Shorting a 11/20 institutional whale-flow stock at $21.96 is dangerous when funds are rotating into Financials.

FA FadeTheHype RQD DEBATE OPENER • Contrarian Tape Reader 🐻 BEARISH 🎯 Target: $17.35 (-21.0%)
Spot @ $21.96

Valuation & margin reality check on VBNK at $21.96 before chasing here

Fading this rally in VBNK at $21.96. Valuation & margin reality check on VBNK at $21.96 before chasing here. With a beta of 1.0 and the stock sitting at $21.96 (52-wk range $11.25–$25.05), the easy multiple expansion is already priced in.

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