VersaBank Ratios and Metrics

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

Millions CAD. Fiscal year is Nov - Oct.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb '26 Feb 26, 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
Market Capitalization	746	538	543	269	255	406
Market Cap Growth	14.78%	-0.92%	102.04%	5.52%	-37.15%	191.36%
Last Close Price	23.34	16.72	20.78	10.22	9.07	14.31
PE Ratio	25.93	18.92	14.02	6.53	11.76	19.50
PS Ratio	6.20	4.48	4.86	2.49	3.11	6.16
PB Ratio	1.40	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
Net Debt / Equity Ratio	-0.89	-0.89	-0.30	-0.06	0.06	-0.51
Net Debt / FCF Ratio	0.70	0.70	0.45	0.03	-0.02	0.43
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	3.82%	5.29%	7.31%	15.67%	8.89%	5.52%
FCF Yield	-91.25%	-126.34%	-49.53%	-277.41%	-323.07%	-97.50%
Dividend Yield	0.44%	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	-20.90%	-20.74%	1.65%	5.18%	-24.98%	-2.28%

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