VersaBank (TSX:VBNK)
Canada · Delayed Price · Currency is CAD 31.74
+0.89 (2.88%)
Sep 16, 2026, 4:00 PM EST
VersaBank Financials Overview
Financials in millions CAD. Fiscal year is November - October.
Millions CAD. Fiscal year is Nov - Oct.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 31, 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 |
Revenue Revenue Growth | 146.49 | 120.23 | 111.9 | 108.03 | 81.94 | 65.8 |
Revenue Growth | 28.62% | 7.44% | 3.59% | 31.83% | 24.54% | 20.66% |
Net Income Net Income Growth | 33.86 | 28.46 | 38.76 | 41.17 | 21.67 | 20.8 |
Earnings Per Share EPS Growth | 1.05 | 0.90 | 1.49 | 1.57 | 0.79 | 0.96 |
EPS Growth | 11.14% | -39.60% | -4.92% | 98.37% | -17.39% | 17.19% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 31, 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 |
DRTC (cybersecurity services and banking and financial technology development) DRTC (cybersecurity services and banking and financial technology development) Growth | 7.6 | 7.25 | 8.46 | 9.7 | 5.84 | 5.41 |
Digital Banking Canada Digital Banking Canada Growth | 108.39 | 99.17 | 102.1 | 99.98 | 76.27 | 60.54 |
Digital Banking Usa Digital Banking Usa Growth | 29.52 | 13 | 1.53 | - | - | - |
Digital Meteor Digital Meteor Growth | 2.36 | 2.21 | 1.18 | - | - | - |
Eliminations and Adjustments Eliminations and Adjustments Growth | -1.38 | -1.4 | -1.36 | -1.65 | -0.17 | -0.15 |
Total Total Growth | 146.49 | 120.23 | 111.9 | 108.03 | 81.94 | 65.8 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 31, 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 |
Cash & Investments Cash & Investments Growth | 492.31 | 581.71 | 225.27 | 133.76 | 88.58 | 271.52 |
Total Debt Total Debt Growth | 107.24 | 106.6 | 105.54 | 110.62 | 109.42 | 100.39 |
Net Cash (Debt) Net Cash Growth | 385.07 | 475.11 | 119.74 | 23.14 | -20.84 | 171.14 |
Net Cash Growth | 8.51% | 296.80% | 417.49% | - | - | -28.97% |
Net Cash Per Share Net Cash Per Share Growth | 11.99 | 15.08 | 4.61 | 0.88 | -0.76 | 7.87 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 31, 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 |
Operating Cash Flow Operating Cash Flow Growth | -1,268 | -679.39 | -250.57 | -745.85 | -823.02 | -395.41 |
Capital Expenditures CapEx Growth | -6.13 | -0.95 | -18.58 | -0.36 | -0.58 | -0.01 |
Free Cash Flow Free Cash Flow Growth | -1,274 | -680.35 | -269.15 | -746.21 | -823.6 | -395.42 |
Free Cash Flow Growth | - | - | - | - | - | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 31, 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 |
Profit Margin | 23.11% | 23.67% | 34.64% | 38.12% | 26.45% | 31.62% |
FCF Margin | -869.75% | -565.88% | -240.53% | -690.77% | -1005.11% | -600.99% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 17, 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 |
Dividend Per Share Dividend Per Share Growth | 0.100 | 0.100 | 0.100 | 0.100 | 0.100 | 0.100 |
Dividend Per Share Growth | 0% | 0% | 0% | 0% | 0% | 0% |
Dividend Yield | 0.32% | 0.60% | 0.48% | 0.98% | 1.10% | 0.70% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 17, 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 |
PE Ratio | 30.18 | 18.92 | 14.02 | 6.53 | 11.76 | 19.50 |
Forward PE | 13.53 | 10.44 | 10.44 | 5.80 | 8.93 | 15.34 |
PS Ratio | 7.02 | 4.48 | 4.86 | 2.49 | 3.11 | 6.16 |