
Core Viewpoint - VersaBank reported quarterly earnings of $0.22 per share, exceeding the Zacks Consensus Estimate of $0.20 per share, but down from $0.26 per share a year ago, indicating a mixed performance in earnings despite a positive surprise this quarter [1][2]. Financial Performance - The company posted revenues of $22.98 million for the quarter ended July 2025, which was below the Zacks Consensus Estimate by 0.57%, and an increase from $19.72 million year-over-year [2]. - Over the last four quarters, VersaBank has surpassed consensus EPS estimates two times but has not beaten consensus revenue estimates [2]. Stock Performance - VersaBank shares have declined approximately 18% since the beginning of the year, contrasting with the S&P 500's gain of 9.6% [3]. - The current Zacks Rank for VersaBank is 3 (Hold), suggesting that the shares are expected to perform in line with the market in the near future [6]. Earnings Outlook - The consensus EPS estimate for the upcoming quarter is $0.25 on revenues of $24.62 million, and for the current fiscal year, it is $0.85 on revenues of $89.34 million [7]. - The trend of estimate revisions for VersaBank was mixed ahead of the earnings release, which could change following the recent report [6]. Industry Context - The Zacks Industry Rank for Banks - Foreign is currently in the top 25% of over 250 Zacks industries, indicating a favorable outlook for the industry [8].