VersaBank (TSX:VBNK)

VersaBank Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul 31, 2026	Oct 31, 2025	Oct 31, 2024	Oct 31, 2023	Oct 31, 2022	Oct 31, 2021
Cash & Equivalents	490.05	581.71	225.25	132.24	88.58	271.52
Investment Securities	134.18	81.88	300.25	168.89	142.52	0.95
Trading Asset Securities	2.27	-	0.02	1.52	-	-
Total Investments	136.44	81.88	300.27	170.41	142.52	0.95
Gross Loans	6,141	5,050	4,218	3,832	2,980	2,096
Allowance for Loan Losses	-8.11	-7.28	-3.3	-2.51	-1.9	-1.45
Net Loans	6,133	5,043	4,214	3,830	2,978	2,095
Property, Plant & Equipment	31.45	26.36	26.62	9.96	10.99	11.89
Goodwill	12.3	12.3	12.3	5.75	5.75	5.75
Other Intangible Assets	7.39	10.56	12.05	2.79	3.19	3.64
Accrued Interest Receivable	28.22	23.42	21.78	20.68	14.7	8.2
Other Receivables	7.76	7.37	10.72	3.86	3.77	2.64
Other Current Assets	23.72	17.88	14.4	22.13	16.39	12.7
Long-Term Deferred Tax Assets	4.59	4.04	0.75	4.06	2.13	2.93
Total Assets	6,875	5,808	4,838	4,202	3,266	2,415

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul 31, 2026	Oct 31, 2025	Oct 31, 2024	Oct 31, 2023	Oct 31, 2022	Oct 31, 2021
Accounts Payable	9.08	12.52	10.75	9.68	7.66	6.89
Interest Bearing Deposits	5,910	4,792	4,145	3,456	2,658	1,853
Total Deposits	5,910	4,792	4,145	3,456	2,658	1,853
Short-Term Borrowings	-	0.42	-	-	-	-
Current Portion of Leases	-	0.61	-	-	-	-
Current Income Taxes Payable	2.56	0.13	0.89	7.47	5.8	2.95
Accrued Interest Payable	-	69.3	-	76.95	-	-
Other Current Liabilities	275.95	290.67	171.21	153.77	126.11	110.76
Long-Term Debt	103.79	103.52	102.5	106.85	104.95	95.27
Long-Term Leases	3.45	2.06	3.04	3.77	4.47	5.11
Long-Term Deferred Tax Liabilities	0.02	0.03	0.14	0.73	0.79	0.9
Other Long-Term Liabilities	4.96	5	6.08	8.82	8.01	7.89
Total Liabilities	6,310	5,276	4,439	3,824	2,915	2,083

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul 31, 2026	Oct 31, 2025	Oct 31, 2024	Oct 31, 2023	Oct 31, 2022	Oct 31, 2021
Preferred Stock, Convertible	-	-	-	13.65	-	-
Common Stock	334.9	325.91	215.61	214.82	239.63	241.32
Additional Paid-In Capital	1.03	2.47	2.49	2.51	1.61	0.15
Retained Earnings	229.97	203.73	181.24	146.04	109.34	90.64
Comprehensive Income & Other	-0.33	0.56	-0.13	0.13	0.1	-0
Total Common Equity	565.57	532.67	399.2	363.51	350.68	332.11
Shareholders' Equity	565.57	532.67	399.2	377.16	350.68	332.11
Total Liabilities & Equity	6,875	5,808	4,838	4,202	3,266	2,415

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul 31, 2026	Oct 31, 2025	Oct 31, 2024	Oct 31, 2023	Oct 31, 2022	Oct 31, 2021
Total Debt	107.24	106.6	105.54	110.62	109.42	100.39
Net Cash (Debt)	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	11.99	15.08	4.61	0.88	-0.76	7.87
Filing Date Shares Outstanding	32.42	31.95	26	25.96	27.23	27.44
Total Common Shares Outstanding	32.42	31.95	26	25.96	27.25	27.44
Book Value Per Share	17.45	16.67	15.35	14.00	12.87	12.10
Tangible Book Value	545.88	509.81	374.85	354.97	341.74	322.71
Tangible Book Value Per Share	16.84	15.96	14.42	13.67	12.54	11.76

Data Source: S&P Global Market Intelligence Last updated: Jul 31, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 14, 2026

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