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
Revenue	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
Total Non-Interest Expense	69.68	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	236.17	43.5	254.13	94.36	-33.24	-108.32
Free Cash Flow Growth	442.96%	-82.88%	169.33%	-	-	-
Free Cash Flow Per Share	7.34	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	171.31%	36.18%	227.10%	87.34%	-40.56%	-164.63%
Effective Tax Rate	31.43%	31.41%	27.46%	26.86%	30.39%	27.31%

SEC Filings: 10-K · 10-Q