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VersaBank (VBNK) — RQD Stock Rating Cockpit

$21.96 -2.75% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $21.81

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.

📊 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) →

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 $21.96 (-2.75% 1D, market cap $711.9M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, VBNK ranks #527 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 #527 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: $21.81 (-0.69%)🧬 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+

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-

Each axis scored 0–20

12M PRICE TARGET CONE-1.4% Base Target

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)

Grade C+$22.65+0.1% Next Q

Q2 (-2Q)

Grade C$22.67-1.5% Next Q

Q3 (-1Q)

Grade C$22.34-1.7% Next Q

Current

Grade D+$21.96-0.5% 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 ($21.66) toward Bear Floor ($16.89).

🎲 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 RANGE78% OF RANGE

L: $11$21.96H: $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

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

VBNK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +22.89%📐 WEDGE COMPRESSION COIL

2026-11-03O $22.58H $22.58L $21.96C $21.96VOL 88.5K

RES: $23.82SUP: $19.02SMA50: $22.08SMA200: $18.83

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

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 #527 of 1096 ⚔️ 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 1096 tracked Financials securities in the Roarable RQD universe, VersaBank (VBNK) ranks #527 by composite RQD confidence (55/100, grade D+) and #617 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	—	—	—	-2.75%	$711.9M	Benchmark Subject
PGC Peapack-Gladstone Financial Corporation	C-	59/100	21.8x	—	5.7%	-1.26%	$803.6M	/pgc-vs-vbnk →
AGBK AGI Inc (Class A)	D	45/100	—	—	—	+0.59%	$824.7M	/agbk-vs-vbnk →
SUPV Grupo Supervielle S.A. each Representing five (Class B)	D-	43/100	—	—	—	-3.88%	$588.3M	/supv-vs-vbnk →
AVBH Avidbank Holdings Inc.	D+	58/100	—	—	-7.0%	-0.12%	$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?

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

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

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

VBNK last traded at $21.96 (-2.75% on volume of 88,452 shares), positioning the stock -0.54% below its 50-day simple moving average ($22.08) and +16.62% above its 200-day simple moving average ($18.83). Across its 52-week range of $11.25 to $25.05, VBNK sits at the 77.6% percentile with a 14-day RSI of 45.8 (NEUTRAL RANGE) and an implied next-earnings move of ±6.1% ($20.62 to $23.30).

VBNK Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell VBNK stock right now?

VersaBank (VBNK) currently earns a Roarable Rating of D+ (Sell — SELL) with 55/100 RQD Confidence. Stretched risk/reward at current multiples (steady margins) under elevated 10-year interest-rate pressure.

What is VBNK's 12-month price target and RQD AI Jury consensus?

VBNK's 12-month base price target is $21.66 (range $16.89 to $26.3), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

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

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T14:14:57Z

Roarable Rating Brief: What This Means to a Prospective Investor

The Roarable RQD rating is 57 (grade D+), labeled "Roarable Sell — Weak Fundamentals / Trim," per the Roarable RQD rating. Across its five pillars, the Fundamental Cash Engine scores 11 of 20 with ROIC 0% and FCF yield 0%; Whale 13F Flow scores 12 of 20 on institutional accumulation and options positioning; Insider Conviction scores 9 of 20 on SEC Form 4 and Congressional PTR cluster flow; Macro Regime Fit scores 12 of 20 with Beta 1.0 and sector sensitivity; and Forensic Balance Sheet scores 13 of 20 with Altman Z 2.5, Piotroski F 6/9, and Debt/Equity 0.5. For a prospective investor, the rating signals that the cash-generation pillar is the weakest input, with zero reported ROIC and zero FCF yield, meaning the current source data shows no measurable return on invested capital or free-cash yield to support valuation. The balance sheet and macro pillars are comparatively stronger, suggesting solvency-type metrics are not the primary concern; the upside case would depend on cash-engine improvement that the source data does not yet show. Valuation tradeoffs cannot be assessed on earnings multiples because P/E and EPS are not available in source data.

Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples

Per the Butterfly Supply-Chain Graph, the supply chain is NONE, with no butterfly links. Upstream and downstream dependencies are not available in source data. Sector correlations beyond the Financials / Commercial Banks classification are not available in source data. Watch items for an investor, drawn from the news wire, are the reorganization and parent-company timeline and the reported U.S. funding expansion target, since changes to funding or structure could ripple into capital position and growth assumptions that the source data does not quantify.

Open Questions

What are the company's reported revenue, operating income, net income, and EPS across recent periods?
Why are ROIC and FCF yield reported as 0%, and do these reflect true zero values or missing data?
What is the reorganization and Delaware parent-company structure, and what is the effective date?
What is the scale and funding plan behind the U.S. expansion target, and how will it be financed?
Who are the institutional holders, insiders, and analysts covering the stock, and what positioning do they reflect?

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) ↓

🟡 MARKET WIRE Stocktwits • 18h ago

VBNK: VersaBank. Latest Stock Price, Analysis, News and Trading Ideas

Stocktwits report covering VersaBank (VBNK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Seeking Alpha • 21h ago

VersaBank: Expensive, But Growth Still Justifies A Buy (NASDAQ:VBNK)

Seeking Alpha report covering VersaBank (VBNK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST ChartMill • 1d ago

VERSABANK (NASDAQ:VBNK) Combines Minervini Trend Template Strength With High-Growth Momentum

ChartMill report covering VersaBank (VBNK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE The Motley Fool • 1d ago

VersaBank's 2026 Outlook: U.S. Expansion Targets $300 Million in Annual Funding

The Motley Fool report covering VersaBank (VBNK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

Final Fed approval leaves VersaBank (VBNK) a minimum 15-day wait before its reorganization.

Stock Titan report covering VersaBank (VBNK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

A new Delaware company could become VersaBank's parent by Nov. 13

Stock Titan report covering VersaBank (VBNK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE https://www.siam.in/ • 1d ago

VersaBank (VBNK) Shares Edge Up 1.31% to $22.40 as Buyers Defend Support - PCR Spike

https://www.siam.in/ report covering VersaBank (VBNK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Kalkine Media • 1d ago

What Does Final Federal Reserve Approval Mean for VersaBank (TSX:VBNK)?

Kalkine Media report covering VersaBank (VBNK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

VBNK Bull vs. Bear Conversation Board — What's Your Call at $21.96?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON VBNK 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $24.39 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is VBNK (D+ • RQD 57/100) a Buy at $22.58?

Welcome to the VBNK (VersaBank) Roar Pit. Current RQD Composite is 57/100 (Roarable Sell — Weak Fundamentals / Trim) in Commercial Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

SK SkepticalCFA Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $18.97 (-16.0%)

Spot @ $22.58

Pump the brakes on VBNK — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on VBNK, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless VersaBank expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

CA CashFlowKing Verified K Arena Trader 🐂 BULLISH 🎯 Target: $28.00 (+24.0%)

Spot @ $22.58

VBNK cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on VBNK, the market is fixating on short-term headline noise in Commercial Banks and ignoring the balance sheet and cash flow trajectory. At $22.58 (52-wk range $11.25 - $25.05), any beat on forward guidance forces shorts and underweight funds to chase.