VersaBank (TSX:VBNK)
Canada · Delayed Price · Currency is CAD 31.74
+0.89 (2.88%)
Sep 16, 2026, 4:00 PM EST
VersaBank Cash Flow Statement
Financials in millions CAD. Fiscal year is November - October.
Millions CAD. Fiscal year is Nov - Oct.
Operating Activities
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 |
Net Income | 33.86 | 28.46 | 39.75 | 42.16 | 22.66 | 22.38 |
Depreciation & Amortization | 4.02 | 3.1 | 2.63 | 1.78 | 1.94 | 1.73 |
Gain (Loss) on Sale of Investments | -1.53 | -0.15 | -0.37 | -0.16 | -0.53 | - |
Total Asset Writedown | 2.26 | - | 0.42 | - | - | - |
Provision for Credit Losses | 2.22 | 4.41 | -0.27 | 0.61 | 0.45 | -0.32 |
Change in Other Net Operating Assets | -1,304 | -707.29 | -293.41 | -828.12 | -865.49 | -421.39 |
Other Operating Activities | -4.53 | -8 | 0.34 | 36.98 | 16.49 | 2.19 |
Operating Cash Flow | -1,268 | -679.39 | -250.57 | -745.85 | -823.02 | -395.41 |
Operating Cash Flow Growth | - | - | - | - | - | - |
Investing Activities
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 |
Capital Expenditures | -6.13 | -0.95 | -18.58 | -0.36 | -0.58 | -0.01 |
Cash Acquisitions | - | - | -12.12 | - | - | -7.47 |
Investment in Securities | 35.6 | 218.53 | -126.89 | -27.78 | -141.03 | -0.95 |
Other Investing Activities | -14.09 | -5.32 | - | - | - | - |
Investing Cash Flow | 15.39 | 212.26 | -157.58 | -28.14 | -141.61 | -8.44 |
Financing Activities
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 |
Long-Term Debt Issued | - | - | - | - | - | 89.5 |
Long-Term Debt Repaid | - | -0.37 | -5.74 | -0.7 | -0.64 | -10.66 |
Lease Payments | -0.76 | -0.37 | -0.74 | -0.7 | -0.64 | -0.62 |
Net Debt Issued (Repaid) | -0.76 | -0.37 | -5.74 | -0.7 | -0.64 | 78.84 |
Issuance of Common Stock | 8.11 | 114.77 | 0.61 | 0.28 | - | 73.23 |
Repurchase of Common Stock | -3.72 | -9.13 | - | -13.29 | -1.93 | - |
Preferred Share Repurchases | - | - | - | - | - | -15.69 |
Common Dividends Paid | -3.21 | -3.24 | -2.6 | -2.61 | -2.74 | -2.27 |
Preferred Dividends Paid | - | - | -0.99 | -0.99 | -0.99 | -1.58 |
Total Dividends Paid | -3.21 | -3.24 | -3.59 | -3.6 | -3.73 | -3.85 |
Net Increase (Decrease) in Deposit Accounts | 1,284 | 723.84 | 523.28 | 840.56 | 790.37 | 287.1 |
Other Financing Activities | - | - | -14.62 | - | - | -1.12 |
Financing Cash Flow | 1,284 | 825.89 | 499.95 | 823.25 | 784.06 | 418.51 |
Net Cash Flow
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 |
Foreign Exchange Rate Adjustments | -2.08 | -2.3 | 1.22 | -5.6 | -2.38 | -0.78 |
Net Cash Flow | 29.74 | 356.46 | 93.01 | 43.66 | -182.94 | 13.88 |
Free Cash Flow
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 |
Free Cash Flow | -1,274 | -680.35 | -269.15 | -746.21 | -823.6 | -395.42 |
Free Cash Flow Growth | - | - | - | - | - | - |
Free Cash Flow Margin | -869.75% | -565.88% | -240.53% | -690.77% | -1005.11% | -600.99% |
Free Cash Flow Per Share | -39.67 | -21.59 | -10.37 | -28.40 | -30.03 | -18.18 |
Free Cash Flow After Leases | -1,275 | -680.71 | -269.89 | -746.91 | -824.24 | -396.04 |
Additional Metrics
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 |
Cash Interest Paid | 193.78 | 186.92 | 167.66 | 93.79 | 35.96 | 30.8 |
Cash Income Tax Paid | 11.88 | 14.43 | 19.72 | 15.95 | 6.28 | 1.39 |