VersaBank (FRA:VEW)

VersaBank Cash Flow Statement

Financials in millions CAD. Fiscal year is November - October.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct 31, 2025	Oct 31, 2024	Oct 31, 2023	Oct 31, 2022	Oct 31, 2021
Net Income	28.46	39.75	42.16	22.66	22.38
Depreciation & Amortization	3.1	2.63	1.78	1.94	1.73
Gain (Loss) on Sale of Investments	-0.15	-0.37	-0.16	-0.53	-
Total Asset Writedown	-	0.42	-	-	-
Provision for Credit Losses	4.41	-0.27	0.61	0.45	-0.32
Change in Other Net Operating Assets	-707.29	-293.41	-828.12	-865.49	-421.39
Other Operating Activities	-8	0.34	36.98	16.49	2.19
Operating Cash Flow	-679.39	-250.57	-745.85	-823.02	-395.41
Capital Expenditures	-0.95	-18.58	-0.36	-0.58	-0.01
Cash Acquisitions	-	-12.12	-	-	-7.47
Investment in Securities	218.53	-126.89	-27.78	-141.03	-0.95
Other Investing Activities	-5.32	-	-	-	-
Investing Cash Flow	212.26	-157.58	-28.14	-141.61	-8.44
Long-Term Debt Issued	-	-	-	-	89.5
Long-Term Debt Repaid	-0.37	-5.74	-0.7	-0.64	-10.66
Net Debt Issued (Repaid)	-0.37	-5.74	-0.7	-0.64	78.84
Issuance of Common Stock	114.77	0.61	0.28	-	73.23
Repurchase of Common Stock	-9.13	-	-13.29	-1.93	-
Preferred Share Repurchases	-	-	-	-	-15.69
Common Dividends Paid	-3.24	-2.6	-2.61	-2.74	-2.27
Preferred Dividends Paid	-	-0.99	-0.99	-0.99	-1.58
Total Dividends Paid	-3.24	-3.59	-3.6	-3.73	-3.85
Net Increase (Decrease) in Deposit Accounts	723.84	523.28	840.56	790.37	287.1
Other Financing Activities	-	-14.62	-	-	-1.12
Financing Cash Flow	825.89	499.95	823.25	784.06	418.51
Foreign Exchange Rate Adjustments	-2.3	1.22	-5.6	-2.38	-0.78
Net Cash Flow	356.46	93.01	43.66	-182.94	13.88
Free Cash Flow	-680.35	-269.15	-746.21	-823.6	-395.42
Free Cash Flow Margin	-565.88%	-240.53%	-690.77%	-1005.11%	-600.99%
Free Cash Flow Per Share	-21.59	-10.37	-28.40	-30.03	-18.18
Cash Interest Paid	186.92	167.66	93.79	35.96	30.8
Cash Income Tax Paid	14.43	19.72	15.95	6.28	1.39

Source: S&P Global Market Intelligence. Banks template. Financial Sources.