VersaBank (TSX:VBNK)

VersaBank Ratios and Metrics

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

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jan 12, 2026	Oct 31, 2025	Oct 31, 2024	Oct 31, 2023	Oct 31, 2022	Oct 31, 2021
Market Capitalization	684	538	543	269	255	406
Market Cap Growth	10.26%	-0.92%	102.04%	5.52%	-37.15%	191.36%
Last Close Price	21.41	16.72	20.78	10.22	9.07	14.31
PE Ratio	23.79	18.92	14.02	6.53	11.76	19.50
PS Ratio	5.69	4.48	4.86	2.49	3.11	6.16
PB Ratio	1.28	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
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	4.16%	5.29%	7.31%	15.67%	8.89%	5.52%
FCF Yield	-99.47%	-126.34%	-49.53%	-277.41%	-323.07%	-97.50%
Dividend Yield	0.47%	0.60%	0.48%	0.98%	1.10%	0.70%
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	-20.87%	-20.74%	1.65%	5.18%	-24.98%	-2.28%

Updated Oct 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.