Business activity Conventional banking
ℹ️ Ratios above can still show Pass — business activity is a separate, hard gate that overrides a clean ratio result.
Source: stored filing inputs · Balance sheet as of 2026-01-31 · Income statement as of 2026-01-31
VersaBank (VBNK.TO) is currently considered not halal (non-compliant), per In-house ratio engine (last assessed 2026-08-27). See the full ratio breakdown and business-activity screen below for the reasoning.
⚠️ Financial ratios are only half the screen, and this verdict does not rest on them. Our business-activity screen classifies VersaBank under conventional finance, which is an excluded sector — so the verdict is non-compliant even though some ratios below pass. Business activity is a hard gate that ratio math never captures.
Research only, not the primary verdict above — computed from SEC EDGAR filings and business-activity classification, same as the Discord bot's !halal command.
ℹ️ Financial data sourced from SEC filings through linked US listing (VBNK) — VBNK.TO has no SEC filings of its own, but is also listed there under a linked ticker.
Business activity: Conventional banking
Source: stored filing inputs · Balance sheet as of 2026-01-31 · Income statement as of 2026-01-31
Combined verdict: AAOIFI Non Compliant Usmani Non Compliant Dow Jones Islamic Non Compliant S&P Shariah Non Compliant MSCI Islamic Non Compliant MSCI Islamic M Non Compliant FTSE Shariah Non Compliant
ℹ️ AAOIFI, Dow Jones Islamic, S&P Shariah, MSCI Islamic M screen this company as Non-Compliant on the financial ratios alone — a ratio failure is decisive on its own, so those verdicts stand regardless of what the business-activity screen concluded. The business-activity screen is a second, independent hard gate, and it flagged Conventional banking.
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Classic floor-trader pivots from the last completed daily bar. Highlighted pills are the levels bracketing the current price.
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally above. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 65.60 | NEUTRAL |
| Stochastic %K (14) | 91.36 | SELL |
| CCI (20) | 168.90 | SELL |
| Williams %R (14) | -8.64 | SELL |
| MACD (12,26,9) | 0.47 | BUY |
| ROC (10) | 13.37 | BUY |
| Momentum (10) | 3.65 | BUY |
| EMA (10) | 29.07 | BUY |
| SMA (10) | 28.58 | BUY |
| EMA (20) | 28.39 | BUY |
| SMA (20) | 27.97 | BUY |
| EMA (30) | 28.18 | BUY |
| SMA (30) | 27.63 | BUY |
| EMA (50) | 27.87 | BUY |
| SMA (50) | 28.55 | BUY |
| EMA (100) | 26.66 | BUY |
| SMA (100) | 27.09 | BUY |
| EMA (200) | 23.85 | BUY |
| SMA (200) | 23.79 | BUY |
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
Financial Services · Banks - Regional
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. 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.
Background via Yahoo Finance — informational, not part of the verdict.
Peer movement computing — it will appear here on its own.
NO DATA 0 buys · 0 sells
NEUTRAL report date 2026-09-01 · Asset managers net 934180 (-19048)
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.