Financial Institutions (FISI) vs VersaBank (VBNK)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
VersaBank (VBNK) has outperformed Financial Institutions (FISI) over the past year, gaining 78.8% versus a gain of 44.4%. Over five years, VBNK leads with a +86.1% price change compared with +23.5% for FISI. Financial Institutions is the larger company by market cap ($768.0 million vs $697.3 million), about 1.1 times the size.
On valuation, Financial Institutions trades at a lower forward P/E (9.1x vs 11.0x for VersaBank). Financial Institutions offers the higher dividend yield (3.23% vs 0.12%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | FISI | VBNK |
|---|---|---|
| Share price | $38.97 | $21.51 |
| Market cap | $767.96M | $697.33M |
| 1-day change | -0.20% | -1.61% |
| YTD return | +25.28% | +46.06% |
| 1-year return | +44.42% | +78.76% |
| 5-year return | +23.46% | +86.05% |
| P/E ratio (TTM) | 9.67 | 28.30 |
| Forward P/E | 9.06 | 10.96 |
| EPS (TTM) | $4.03 | $0.76 |
| Dividend yield | 3.23% | 0.12% |
| Annual dividend | $1.26 | $0.025 |
| 52-week high | $42.97 | $25.05 |
| 52-week low | $25.61 | $11.25 |
| Distance from 52-week high | -9.31% | -14.13% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +15.47% | +18.55% |
| Average volume | 144.04K | 124.22K |
| Shares outstanding | 19.71M | 32.42M |
| Employees | 631 | 131 |
| Sector | Finance | Finance |
| Industry | Major Banks | Commercial Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- VBNK has outperformed FISI by 34.3 percentage points over the past year.
- VersaBank trades at a higher earnings multiple (28.3x vs 9.7x trailing P/E).
- Financial Institutions offers a meaningfully higher dividend yield (3.23% vs 0.12%).
About Financial Institutions
FISI stock →Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts.
Finance · Major Banks · 631 employees
About VersaBank
VBNK stock →VersaBank provides various banking products and services in Canada and the United States. The company operates through four segments: Digital Banking Canada, Digital Banking USA, DRTC (Cybersecurity), and Digital Meteor.
Finance · Commercial Banks · 131 employees
FISI vs VBNK FAQ
Which is bigger, Financial Institutions or VersaBank?
Financial Institutions (FISI) is larger, with a market capitalization of $767.96M compared with $697.33M for VersaBank (VBNK).
Which stock has performed better over the past year, FISI or VBNK?
VBNK returned +78.76% over the past 12 months, compared with +44.42% for FISI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FISI or VBNK?
FISI has the lower trailing P/E at 9.7, versus 28.3 for VBNK. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Financial Institutions or VersaBank?
Financial Institutions has the higher yield at 3.23%, compared with 0.12% for VersaBank.
Are Financial Institutions and VersaBank in the same industry?
Both are in the Finance sector, but in different industries: Major Banks for Financial Institutions and Commercial Banks for VersaBank.