VersaBank Net Interest Income vs Net Income Analysis

VBNK Stock

USD 16.30 0.72 4.62%

VersaBank financial indicator trend analysis is much more than just breaking down VersaBank prevalent accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether VersaBank is a good investment. Please check the relationship between VersaBank Net Interest Income and its Net Income accounts. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in VersaBank. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors.

For more information on how to buy VersaBank Stock please use our How to buy in VersaBank Stock guide.

Net Interest Income vs Net Income

Net Interest Income vs Net Income Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of VersaBank Net Interest Income account and Net Income. At this time, the significance of the direction appears to have very strong relationship.

The correlation between VersaBank's Net Interest Income and Net Income is 0.82. Overlapping area represents the amount of variation of Net Interest Income that can explain the historical movement of Net Income in the same time period over historical financial statements of VersaBank, assuming nothing else is changed. The correlation between historical values of VersaBank's Net Interest Income and Net Income is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Net Interest Income of VersaBank are associated (or correlated) with its Net Income. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Net Income has no effect on the direction of Net Interest Income i.e., VersaBank's Net Interest Income and Net Income go up and down completely randomly.

Correlation Coefficient

0.82

Relationship Direction	Positive
Relationship Strength	Strong

View All Relationships

Net Interest Income

The difference between the revenue generated from a bank's interest-bearing assets and the expenses associated with paying its interest-bearing liabilities.

Net Income

Net income is one of the most important fundamental items in finance. It plays a large role in VersaBank financial statement analysis. It represents the amount of money remaining after all of VersaBank operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue.

Most indicators from VersaBank's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into VersaBank current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in VersaBank. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors.

For more information on how to buy VersaBank Stock please use our How to buy in VersaBank Stock guide.At this time, VersaBank's Sales General And Administrative To Revenue is quite stable compared to the past year. Enterprise Value Over EBITDA is expected to rise to 3.98 this year, although the value of Issuance Of Capital Stock will most likely fall to about 239.4 K.

	2021	2022	2023	2024 (projected)
Gross Profit	82.4M	109.2M	111.6M	60.3M
Total Revenue	82.4M	108.6M	111.6M	60.3M

Gross Profit Total Revenue

VersaBank fundamental ratios Correlations

	Total Assets	Short Long Term Debt Total	Other Current Liab	Total Current Liabilities	Total Stockholder Equity	Property Plant And Equipment Net	Net Debt	Retained Earnings	Accounts Payable	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Cash And Short Term Investments	Net Receivables	Common Stock Shares Outstanding	Non Current Liabilities Total	Other Stockholder Equity	Total Liab	Total Current Assets	Common Stock	Other Liab	Net Tangible Assets	Other Current Assets	Property Plant Equipment	Long Term Debt
Total Assets		0.8	0.31	-0.32	0.88	0.66	0.24	0.83	-0.34	0.14	0.76	0.45	0.44	0.14	0.82	0.92	0.85	-0.28	0.84	0.1	0.82	-0.37	0.96	0.13	0.73	0.89
Short Long Term Debt Total	0.8		0.39	-0.43	0.7	0.44	0.46	0.61	-0.43	0.01	0.56	0.39	0.32	0.01	0.68	0.68	0.7	-0.29	0.68	-0.02	0.86	-0.04	0.83	0.06	0.65	0.97
Other Current Liab	0.31	0.39		-0.99	-0.08	0.29	0.3	0.18	-0.99	-0.16	0.5	0.08	0.28	-0.16	0.46	0.08	0.55	0.46	0.44	-0.19	0.14	0.33	0.28	-0.53	0.06	0.36
Total Current Liabilities	-0.32	-0.43	-0.99		0.07	-0.22	-0.37	-0.16	1.0	0.21	-0.47	-0.17	-0.19	0.21	-0.44	-0.08	-0.53	-0.45	-0.42	0.24	-0.17	-0.36	-0.29	0.48	-0.05	-0.38
Total Stockholder Equity	0.88	0.7	-0.08	0.07		0.63	0.12	0.86	0.05	0.23	0.57	0.38	0.42	0.23	0.71	0.95	0.7	-0.61	0.73	0.2	0.89	-0.51	0.92	0.43	0.83	0.8
Property Plant And Equipment Net	0.66	0.44	0.29	-0.22	0.63		-0.19	0.9	-0.24	0.4	0.83	-0.09	0.89	0.4	0.9	0.67	0.83	-0.26	0.89	0.37	0.6	-0.54	0.73	-0.08	0.73	0.6
Net Debt	0.24	0.46	0.3	-0.37	0.12	-0.19		0.01	-0.35	-0.88	0.08	0.34	-0.11	-0.88	0.16	0.26	0.28	-0.05	0.15	-0.9	0.22	0.47	0.15	-0.37	-0.19	0.37
Retained Earnings	0.83	0.61	0.18	-0.16	0.86	0.9	0.01		-0.18	0.27	0.84	0.27	0.68	0.28	0.93	0.85	0.9	-0.42	0.95	0.25	0.8	-0.6	0.89	0.2	0.83	0.74
Accounts Payable	-0.34	-0.43	-0.99	1.0	0.05	-0.24	-0.35	-0.18		0.2	-0.49	-0.18	-0.2	0.19	-0.45	-0.1	-0.55	-0.45	-0.44	0.23	-0.18	-0.34	-0.3	0.47	-0.07	-0.39
Cash	0.14	0.01	-0.16	0.21	0.23	0.4	-0.88	0.27	0.2		0.16	-0.17	0.25	1.0	0.14	0.06	0.01	-0.09	0.15	1.0	0.19	-0.54	0.26	0.47	0.54	0.08
Non Current Assets Total	0.76	0.56	0.5	-0.47	0.57	0.83	0.08	0.84	-0.49	0.16		0.38	0.57	0.16	0.94	0.63	0.92	-0.11	0.94	0.13	0.52	-0.48	0.73	-0.19	0.52	0.65
Non Currrent Assets Other	0.45	0.39	0.08	-0.17	0.38	-0.09	0.34	0.27	-0.18	-0.17	0.38		-0.48	-0.17	0.24	0.29	0.33	-0.09	0.29	-0.19	0.3	-0.25	0.36	0.31	0.09	0.34
Other Assets	0.44	0.32	0.28	-0.19	0.42	0.89	-0.11	0.68	-0.2	0.25	0.57	-0.48		0.26	0.72	0.53	0.65	-0.23	0.69	0.24	0.46	-0.24	0.52	-0.26	0.6	0.46
Cash And Short Term Investments	0.14	0.01	-0.16	0.21	0.23	0.4	-0.88	0.28	0.19	1.0	0.16	-0.17	0.26		0.14	0.06	0.01	-0.09	0.15	1.0	0.19	-0.54	0.26	0.47	0.54	0.08
Net Receivables	0.82	0.68	0.46	-0.44	0.71	0.9	0.16	0.93	-0.45	0.14	0.94	0.24	0.72	0.14		0.77	0.98	-0.3	0.99	0.11	0.71	-0.4	0.84	-0.12	0.69	0.78
Common Stock Shares Outstanding	0.92	0.68	0.08	-0.08	0.95	0.67	0.26	0.85	-0.1	0.06	0.63	0.29	0.53	0.06	0.77		0.78	-0.55	0.78	0.03	0.82	-0.36	0.9	0.16	0.73	0.8
Non Current Liabilities Total	0.85	0.7	0.55	-0.53	0.7	0.83	0.28	0.9	-0.55	0.01	0.92	0.33	0.65	0.01	0.98	0.78		-0.21	0.98	-0.03	0.72	-0.3	0.84	-0.14	0.64	0.79
Other Stockholder Equity	-0.28	-0.29	0.46	-0.45	-0.61	-0.26	-0.05	-0.42	-0.45	-0.09	-0.11	-0.09	-0.23	-0.09	-0.3	-0.55	-0.21		-0.24	-0.1	-0.42	0.3	-0.34	-0.33	-0.41	-0.28
Total Liab	0.84	0.68	0.44	-0.42	0.73	0.89	0.15	0.95	-0.44	0.15	0.94	0.29	0.69	0.15	0.99	0.78	0.98	-0.24		0.11	0.74	-0.43	0.86	-0.06	0.72	0.79
Total Current Assets	0.1	-0.02	-0.19	0.24	0.2	0.37	-0.9	0.25	0.23	1.0	0.13	-0.19	0.24	1.0	0.11	0.03	-0.03	-0.1	0.11		0.16	-0.53	0.22	0.47	0.51	0.04
Common Stock	0.82	0.86	0.14	-0.17	0.89	0.6	0.22	0.8	-0.18	0.19	0.52	0.3	0.46	0.19	0.71	0.82	0.72	-0.42	0.74	0.16		-0.27	0.92	0.37	0.88	0.92
Other Liab	-0.37	-0.04	0.33	-0.36	-0.51	-0.54	0.47	-0.6	-0.34	-0.54	-0.48	-0.25	-0.24	-0.54	-0.4	-0.36	-0.3	0.3	-0.43	-0.53	-0.27		-0.41	-0.44	-0.45	-0.18
Net Tangible Assets	0.96	0.83	0.28	-0.29	0.92	0.73	0.15	0.89	-0.3	0.26	0.73	0.36	0.52	0.26	0.84	0.9	0.84	-0.34	0.86	0.22	0.92	-0.41		0.25	0.86	0.92
Other Current Assets	0.13	0.06	-0.53	0.48	0.43	-0.08	-0.37	0.2	0.47	0.47	-0.19	0.31	-0.26	0.47	-0.12	0.16	-0.14	-0.33	-0.06	0.47	0.37	-0.44	0.25		0.47	0.06
Property Plant Equipment	0.73	0.65	0.06	-0.05	0.83	0.73	-0.19	0.83	-0.07	0.54	0.52	0.09	0.6	0.54	0.69	0.73	0.64	-0.41	0.72	0.51	0.88	-0.45	0.86	0.47		0.73
Long Term Debt	0.89	0.97	0.36	-0.38	0.8	0.6	0.37	0.74	-0.39	0.08	0.65	0.34	0.46	0.08	0.78	0.8	0.79	-0.28	0.79	0.04	0.92	-0.18	0.92	0.06	0.73

Click cells to compare fundamentals

VersaBank Account Relationship Matchups

VersaBank fundamental ratios Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Total Assets	1.9B	2.4B	3.3B	4.2B	4.8B	2.5B
Short Long Term Debt Total	16.7M	100.4M	105.0M	110.6M	108.6M	70.8M
Other Current Liab	(96.1M)	(120.6M)	(13.5M)	(23.9M)	(893K)	(937.7K)
Total Current Liabilities	100.3M	117.7M	7.7M	9.7M	11.1M	10.6M
Total Stockholder Equity	255.3M	332.1M	349.1M	377.2M	399.2M	253.1M
Property Plant And Equipment Net	10.4M	11.9M	11.0M	10.0M	26.6M	27.9M
Net Debt	(240.9M)	(171.1M)	16.4M	(21.6M)	(116.7M)	(122.5M)
Retained Earnings	73.2M	90.6M	109.3M	146.0M	181.2M	190.3M
Accounts Payable	96.1M	117.7M	7.7M	7.5M	8.6M	8.2M
Cash	257.6M	271.5M	88.6M	132.2M	225.3M	178.0M
Non Current Assets Total	19.1M	22.2M	141.6M	4.1B	4.6B	4.8B
Non Currrent Assets Other	(19.1M)	(2.9M)	(141.6M)	3.9B	(351.2M)	(333.7M)
Other Assets	1.7B	2.1B	3.0B	1.0	4.8B	5.1B
Cash And Short Term Investments	257.6M	271.5M	88.6M	132.2M	226.2M	178.0M
Net Receivables	6.8M	10.8M	18.5M	24.5M	32.5M	34.1M
Liabilities And Stockholders Equity	1.9B	2.4B	3.3B	4.2B	4.8B	2.5B
Non Current Liabilities Total	16.7M	101.3M	2.9B	3.8B	4.4B	4.6B
Total Liab	1.7B	2.1B	2.9B	3.8B	4.4B	4.7B
Total Current Assets	264.5M	282.4M	88.6M	132.2M	226.2M	183.9M
Other Liab	4.0M	8.8M	134.9M	9.5M	11.0M	10.4M
Net Tangible Assets	226.0M	309.1M	341.7M	368.6M	423.9M	287.5M
Other Current Assets	257.9M	274.2M	92.4M	156.8M	(32.5M)	(30.9M)
Property Plant Equipment	10.4M	11.9M	11.0M	10.0M	11.5M	10.6M
Long Term Debt	13.6M	95.3M	105.0M	106.9M	122.9M	73.7M
Net Invested Capital	239.6M	413.7M	454.0M	470.4M	540.9M	378.4M
Long Term Investments	8.6M	953K	141.6M	168.9M	194.2M	203.9M
Inventory	(257.9M)	(274.2M)	(110.8M)	(156.8M)	(180.3M)	(189.3M)

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When determining whether VersaBank is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if VersaBank Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Versabank Stock. Highlighted below are key reports to facilitate an investment decision about Versabank Stock:

How To Invest In VersaBank

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Is VersaBank Stock a good investment?

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What is VersaBank's Net Worth?

Details

Largest Regional Banks Companies

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Largest Banks - Regional Companies

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Check out World Market Map to better understand how to build diversified portfolios, which includes a position in VersaBank. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors.

For more information on how to buy VersaBank Stock please use our How to buy in VersaBank Stock guide.

You can also try the Volatility Analysis module to get historical volatility and risk analysis based on latest market data.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of VersaBank. If investors know VersaBank will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about VersaBank listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.04)

Earnings Share

1.05

Revenue Per Share

4.385

Quarterly Revenue Growth

0.012

Return On Assets

0.011

The market value of VersaBank is measured differently than its book value, which is the value of VersaBank that is recorded on the company's balance sheet. Investors also form their own opinion of VersaBank's value that differs from its market value or its book value, called intrinsic value, which is VersaBank's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because VersaBank's market value can be influenced by many factors that don't directly affect VersaBank's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between VersaBank's value and its price as these two are different measures arrived at by different means. Investors typically determine if VersaBank is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, VersaBank's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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VersaBank Net Interest Income vs Net Income Analysis

Net Interest Income vs Net Income

Net Interest Income vs Net Income Correlation Analysis

Correlation Coefficient

Net Interest Income

Net Income

VersaBank fundamental ratios Correlations

VersaBank Account Relationship Matchups

High Positive Relationship

High Negative Relationship

VersaBank fundamental ratios Accounts

Building efficient market-beating portfolios requires time, education, and a lot of computing power!

COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Accounts Payable	+ 1.0	Total Current Liabilities
Cash And Short Term Investments	+ 1.0	Cash
Total Current Assets	+ 1.0	Cash
Total Current Assets	+ 1.0	Cash And Short Term Investments
Total Liab	+ 0.99	Net Receivables
Non Current Liabilities Total	+ 0.98	Net Receivables

Accounts Payable	- 0.99	Other Current Liab
Total Current Liabilities	- 0.99	Other Current Liab
Total Current Assets	- 0.9	Net Debt
Cash And Short Term Investments	- 0.88	Net Debt
Cash	- 0.88	Net Debt
Other Stockholder Equity	- 0.61	Total Stockholder Equity