Is VersaBank (VBNK) Halal?
Shariah Screening — 5 Standards
Based on financial data from October 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 42.6% | |
| Net Margin | 24.3% | |
| Return on Equity (ROE) | 5.9% | |
| Return on Assets (ROA) | 0.6% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $44M |
| Free Cash Flow | $43M |
| Total Debt | $109M |
| Total Assets | $5.8B |
Price & Trading
| Last Close | $13.93 |
| 50-Day MA | $15.45 |
| 200-Day MA | $13.00 |
| Avg Volume | 44K |
| Beta | 1.0 |
|
52-Week Range
$8.51
| |
About VersaBank (VBNK)
VersaBank provides various banking products and services in Canada and the United States. The company operates through Digital Banking Canada; Digital Banking USA; and DRTC (cybersecurity services and banking and financial technology development) segments. It offers deposit products, such as guaranteed investment certificates, registered retirement savings plans, and tax-free savings accounts, as well as deposit insurance products. The company also provides lending services, including point of sale financing that covers purchasing loan and lease receivables from finance companies operating in various industries; commercial real estate mortgages and loans, public sector, leases, and other financing. In addition, it provides cybersecurity services. The company was formerly known as Pacific & Western Bank of Canada and changed its name to VersaBank in May 2016. VersaBank was incorporated in 1979 and is headquartered in London, Canada.
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Frequently Asked Questions
Is VersaBank (VBNK) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), VersaBank is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is VersaBank's debt ratio?
VersaBank's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are VersaBank's key financial metrics?
VersaBank has a market capitalization of $442M, trailing P/E ratio of 19.7, and revenue of $125M. Return on equity stands at 5.9%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.