VersaBank Ratios and Metrics

Market cap in millions EUR. Fiscal year is November - October.

Millions EUR. Fiscal year is Nov - Oct.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb '26 Feb 19, 2026	Oct '25 Oct 31, 2025	Oct '24 Oct 31, 2024	Oct '23 Oct 31, 2023	Oct '22 Oct 31, 2022	Oct '21 Oct 31, 2021
Market Capitalization	456	333	359	183	189	283
Market Cap Growth	4.03%	-7.25%	95.94%	-3.03%	-33.17%	215.14%
Last Close Price	13.80	9.79	13.60	6.70	6.64	9.77
PE Ratio	25.90	18.92	14.02	6.53	11.76	19.50
PS Ratio	6.13	4.48	4.86	2.49	3.11	6.16
PB Ratio	1.38	1.01	1.36	0.71	0.73	1.22
Debt / Equity Ratio	0.20	0.20	0.26	0.29	0.31	0.30
Net Debt / Equity Ratio	-0.89	-0.89	-0.30	-0.06	0.06	-0.51
Net Debt / FCF Ratio	0.70	0.70	0.45	0.03	-0.02	0.43
Return on Equity (ROE)	6.11%	6.11%	10.24%	11.59%	6.64%	7.62%
Return on Assets (ROA)	0.53%	0.53%	0.88%	1.13%	0.80%	1.03%
Earnings Yield	3.86%	5.29%	7.31%	15.67%	8.89%	5.52%
FCF Yield	-92.30%	-126.34%	-49.53%	-277.41%	-323.07%	-97.50%
Dividend Yield	0.45%	0.63%	0.49%	1.02%	1.12%	0.71%
Payout Ratio	11.37%	11.37%	9.03%	8.54%	16.46%	17.18%
Buyback Yield / Dilution	-21.34%	-21.34%	1.17%	4.20%	-26.08%	-2.98%
Total Shareholder Return	-20.89%	-20.71%	1.66%	5.22%	-24.96%	-2.27%

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