VersaBank (VBNK)
NASDAQ: VBNK · Real-Time Price · USD
19.23
+0.24 (1.26%)
Jun 5, 2026, 4:00 PM EDT - Market closed
VersaBank Income Statement
Financials in millions CAD. Fiscal year is November - October.
Millions CAD. Fiscal year is Nov - Oct.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Apr '26 Apr 30, 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 Interest Income | 131.97 | 116.17 | 102.66 | 100.05 | 76.67 | 60.16 |
Net Interest Income Growth | 27.38% | 13.16% | 2.60% | 30.50% | 27.44% | 11.14% |
Non-Interest Income | 9.51 | 8.47 | 8.98 | 8.58 | 5.73 | 5.2 |
Non-Interest Income Growth | 9.99% | -5.63% | 4.59% | 49.91% | 10.12% | 8566.67% |
Revenues Before Loan Losses | 141.48 | 124.64 | 111.63 | 108.64 | 82.39 | 65.36 |
Provision for Credit Losses | 3.63 | 4.41 | -0.27 | 0.61 | 0.45 | -0.44 |
| 137.85 | 120.23 | 111.9 | 108.03 | 81.94 | 65.8 | |
Revenue Growth (YoY) | 24.77% | 7.44% | 3.59% | 31.83% | 24.54% | 20.66% |
Compensation Expenses | 41.8 | 37.98 | 32.78 | 31.43 | 26.8 | 20.24 |
Selling, General & Admin | 51.75 | 40.75 | 24.32 | 18.95 | 22.6 | 14.76 |
Other Non-Interest Expenses | 24.22 | - | - | - | - | - |
Total Non-Interest Expense | 93.55 | 78.74 | 57.11 | 50.38 | 49.39 | 35.01 |
Pretax Income | 44.3 | 41.49 | 54.79 | 57.65 | 32.55 | 30.79 |
Provision for Income Taxes | 13.92 | 13.04 | 15.05 | 15.48 | 9.89 | 8.41 |
Net Income | 30.38 | 28.46 | 39.75 | 42.16 | 22.66 | 22.38 |
Net Income to Common | 30.38 | 28.46 | 39.75 | 42.16 | 22.66 | 22.38 |
Net Income Growth | -4.74% | -28.40% | -5.73% | 86.08% | 1.24% | 15.33% |
Shares Outstanding (Basic) | 32 | 32 | 27 | 27 | 27 | 23 |
Shares Outstanding (Diluted) | 32 | 32 | 27 | 27 | 27 | 23 |
Shares Change (YoY) | 11.04% | 18.53% | -0.66% | -2.08% | 17.64% | 10.36% |
EPS (Basic) | 0.94 | 0.90 | 1.49 | 1.57 | 0.79 | 0.96 |
EPS (Diluted) | 0.94 | 0.90 | 1.49 | 1.57 | 0.79 | 0.96 |
EPS Growth | -14.22% | -39.60% | -5.10% | 98.73% | -17.71% | 17.07% |
Free Cash Flow | 104.81 | 43.5 | 254.13 | 94.36 | -33.24 | -108.32 |
Free Cash Flow Growth | 140.97% | -82.88% | 169.33% | - | - | - |
Free Cash Flow Per Share | 3.26 | 1.38 | 9.53 | 3.51 | -1.21 | -4.65 |
Dividends Per Share | 0.100 | 0.100 | 0.100 | 0.100 | 0.100 | 0.100 |
Profit Margin | 22.04% | 23.67% | 35.52% | 39.03% | 27.65% | 34.01% |
FCF Margin | 76.03% | 36.18% | 227.10% | 87.34% | -40.56% | -164.63% |
EBITDA | 3.52 | 3.1 | 2.63 | 1.78 | 1.94 | 1.73 |
EBITDA Margin | 2.55% | 2.58% | 2.35% | 1.65% | 2.37% | 2.63% |
Effective Tax Rate | 31.43% | 31.41% | 27.46% | 26.86% | 30.39% | 27.31% |