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	2016 - 2020
Period Ending	Jan '26 Jan 8, 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	2016 - 2020
Market Capitalization	416	333	359	183	189	283	Upgrade
Market Cap Growth	1.65%	-7.25%	95.94%	-3.03%	-33.17%	215.14%	Upgrade
Last Close Price	12.40	9.79	13.60	6.70	6.64	9.77	Upgrade
PE Ratio	23.61	18.92	14.02	6.53	11.76	19.50	Upgrade
PS Ratio	5.59	4.48	4.86	2.49	3.11	6.16	Upgrade
PB Ratio	1.26	1.01	1.36	0.71	0.73	1.22	Upgrade
Debt / Equity Ratio	0.20	0.20	0.26	0.29	0.31	0.30	Upgrade
Return on Equity (ROE)	6.11%	6.11%	10.24%	11.59%	6.64%	7.62%	Upgrade
Return on Assets (ROA)	0.53%	0.53%	0.88%	1.13%	0.80%	1.03%	Upgrade
Earnings Yield	4.24%	5.29%	7.31%	15.67%	8.89%	5.52%	Upgrade
FCF Yield	-101.27%	-126.34%	-49.53%	-277.41%	-323.07%	-97.50%	Upgrade
Dividend Yield	0.51%	0.63%	0.49%	1.02%	1.12%	0.71%	Upgrade
Payout Ratio	11.37%	11.37%	9.03%	8.54%	16.46%	17.18%	Upgrade
Buyback Yield / Dilution	-21.34%	-21.34%	1.17%	4.20%	-26.08%	-2.98%	Upgrade
Total Shareholder Return	-20.83%	-20.71%	1.66%	5.22%	-24.96%	-2.27%	Upgrade

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