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VersaBank (VBNK) — RQD Stock Rating Cockpit

$22.58 +0.71% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $22.57

VersaBank (VBNK) carries a Roarable Rating of D (Sell) with 51/100 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 51/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.3% avg 90D alpha vs SPY) →

ROARABLE D • SELL / AVOID Cap $732.0M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $22.57 (-0.06%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 0.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 51/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.3% avg 90D alpha vs SPY • 49.7% 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 D+

Each axis scored 0–20

12M PRICE TARGET CONE-3.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for VBNK)Realized 20D OHLCV Swing Band: ±6.1%

Deterministic 5-Pillar Attribution (51/100 Composite)

🔍 WHY VBNK SCORES 51/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (25% 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 (22% of score)

SEC XBRL Trailing 12 Months: 0.5% FCF Margin ($20.5M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade D$22.04+1.1% Next Q

Q2 (-2Q)

Grade D$22.28+4.4% Next Q

Q3 (-1Q)

Grade D$23.25-2.9% Next Q

Current

Grade D$22.58-1.3% Hist 90D α

Trajectory: D (43) → D (51)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a VBNK Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While VBNK currently carries a cautious 51/100 (D) rating due to Whale & Options Positioning (8/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($21.97) and Max Pain ($23.71) forces dealer call-delta covering toward $26.30.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 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 51%NO 49%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

45.130 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 RANGE82% OF RANGE

L: $11$22.58H: $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: D-RQD 17 / 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: D+RQD 23 / 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

BEARISH (45)

17/40 institutional & smart-money positioning score with 10/20 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.
!Sensitive to high interest rates and tighter Federal Reserve market liquidity.

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: +26.07%📐 WEDGE COMPRESSION COIL

2026-10-30O $22.55H $22.58L $21.85C $22.58VOL 88.4K

RES: $23.83SUP: $18.99SMA50: $21.97SMA200: $18.76

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 #798 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 #798 by composite RQD confidence (51/100, grade D) and #616 by equity capitalization ($732.0M). 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. AGBK currently holds the highest overall quantitative score in the immediate peer group at 60/100 (C-) compared with VBNK at 51/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
VBNK ACTIVE VersaBank	D	51/100	—	—	—	+0.71%	$732.0M	Benchmark Subject
PGC Peapack-Gladstone Financial Corporation	D+	53/100	21.8x	—	5.7%	-0.56%	$813.9M	/pgc-vs-vbnk →
AGBK AGI Inc (Class A)	C-	60/100	—	—	—	+0.39%	$819.9M	/agbk-vs-vbnk →
SUPV Grupo Supervielle S.A. each Representing five (Class B)	D+	57/100	—	—	—	+0.30%	$612.0M	/supv-vs-vbnk →
AVBH Avidbank Holdings Inc.	D	50/100	—	—	-7.0%	+1.37%	$375.6M	/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 $732.0M, 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 2026-11-01, VersaBank (NASDAQ: VBNK) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 51/100 at a spot price of $22.58 (+0.71% 1D, market cap $732.0M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, VBNK ranks #798 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 (51/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, PGC (Peapack-Gladstone Financial Corporation) holds a D+ grade (53/100 RQD, P/E 21.8x, ROIC 5.7%, cap $813.9M) and AGBK (AGI Inc (Class A)) posts a C- grade (60/100 RQD, P/E N/A, ROIC —, cap $819.9M). 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 #798 in Financials, while primary risk factors center on Company executives have done more routine share selling than personal cash buying lately. and Sensitive to high interest rates and tighter Federal Reserve market liquidity.. 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 $22.58 (+0.71% on volume of 94,621 shares), positioning the stock +2.78% above its 50-day simple moving average ($21.97) and +20.36% above its 200-day simple moving average ($18.76). Across its 52-week range of $11.25 to $25.05, VBNK sits at the 82.1% percentile with a 14-day RSI of 45.1 (NEUTRAL RANGE) and an implied next-earnings move of ±6.1% ($21.20 to $23.96).

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 51/100 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 $21.87 (range $17.06 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