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VersaBank (VBNK)
NASDAQ: VBNK · Real-Time Price · USD
22.06
-0.35 (-1.56%)
At close: Sep 8, 2026, 4:00 PM EDT
22.06
0.00 (0.00%)
After-hours: Sep 8, 2026, 4:00 PM EDT

VersaBank Financials Overview

Millions CAD. Fiscal year is Nov - Oct.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Oct '25 Oct '24 Oct '23 Oct '22 Oct '21
Revenue
146.49120.23111.9108.0381.9465.8
Revenue Growth
28.62%7.44%3.59%31.83%24.54%20.66%
Net Income
33.8628.4638.7641.1721.6720.8
Earnings Per Share
1.050.901.491.570.790.96
EPS Growth
11.17%-39.60%-4.92%98.37%-17.39%17.19%

Revenue by Segment
Chart
Fiscal YearFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '25 Oct '24 Oct '23 Oct '22 Oct '21
Digital Banking Canada
99.17102.199.9876.2760.54
Digital Banking Usa
131.53---
Digital Meteor
2.211.18---
DRTC (cybersecurity services and banking and financial technology development)
7.258.469.75.845.41
Eliminations and Adjustments
-1.4-1.36-1.65-0.17-0.15
Total
120.23111.9108.0381.9465.8

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Oct '25 Oct '24 Oct '23 Oct '22 Oct '21
Cash & Investments
490.05581.71225.27133.7688.58271.52
Total Debt
103.79106.6105.54110.62109.42100.39
Net Cash (Debt)
386.26475.11119.7423.14-20.84171.14
Net Cash Growth
8.84%296.80%417.49%---28.97%
Net Cash Per Share
12.0415.084.610.88-0.767.87

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Oct '25 Oct '24 Oct '23 Oct '22 Oct '21
Operating Cash Flow
-1,268-679.39-250.57-745.85-823.02-395.41
Capital Expenditures
-6.13-0.95-18.58-0.36-0.58-0.01
Free Cash Flow
-1,274-680.35-269.15-746.21-823.6-395.42
Free Cash Flow Growth
------

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Oct '25 Oct '24 Oct '23 Oct '22 Oct '21
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%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Oct '25 Oct '24 Oct '23 Oct '22 Oct '21
Dividend Per Share
0.0730.1000.1000.1000.1000.100
Dividend Per Share Growth
2.10%0%0%0%0%0%
Dividend Yield
0.32%0.60%0.48%0.96%1.08%0.69%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Oct '25 Oct '24 Oct '23 Oct '22 Oct '21
PE Ratio
29.9418.9214.026.5311.7619.50
PS Ratio
6.924.484.862.493.116.16