VersaBank Cash Flow 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	Jan '26 Jan 31, 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 Income	31.38	28.46	39.75	42.16	22.66	22.38
Depreciation & Amortization	3.3	3.1	2.63	1.78	1.94	1.73
Provision for Credit Losses	4.09	4.41	-0.27	0.61	0.45	-0.32
Stock-Based Compensation	0.05	0.08	0.35	0.9	1.47	-
Net Change in Loans Held-for-Sale	-983.55	-829.79	-307.84	-850.39	-880.48	-443.68
Other Adjustments	-116.21	-100.22	-89.13	-74.22	-57.82	-51.01
Changes in Other Operating Activities	1,250	938.41	627.22	973.87	879.13	362.6
Operating Cash Flow	189.15	44.45	272.71	94.72	-32.65	-108.31
Operating Cash Flow Growth	-6.25%	-83.70%	187.92%	-	-	-
Net Change in Securities and Investments	61.67	218.53	-126.89	-27.78	-141.03	-
Payments for Business Acquisitions	-	-	-12.12	-	-	-7.47
Proceeds from Business Divestments	1.04	-	-	-	-	-
Capital Expenditures	0.33	-0.95	-18.58	-0.36	-0.58	-0.01
Other Investing Activities	2.18	-5.32	-	-	-	-0.95
Investing Cash Flow	65.21	212.26	-157.58	-28.14	-141.61	-8.44
Long-Term Debt Issued	-	-	-	-	-	89.5
Long-Term Debt Repaid	-	-	-5	-	-	-1.41
Net Long-Term Debt Issued (Repaid)	-	-	-5	-	-	88.09
Issuance of Common Stock	2.15	114.77	0.61	0.28	-	73.23
Repurchase of Common Stock	-3.72	-9.13	-	-13.29	-1.93	-
Net Common Stock Issued (Repurchased)	-1.56	105.65	0.61	-13.01	-1.93	73.23
Repurchase of Preferred Stock	-	-	-14.62	-	-	-16.81
Net Preferred Stock Issued (Repurchased)	-	-	-14.62	-	-	-16.81
Common Dividends Paid	-3.22	-3.24	-3.59	-3.6	-3.73	-3.85
Other Financing Activities	-0.39	-0.37	-0.74	-0.7	-0.64	-9.25
Financing Cash Flow	-10.87	102.04	-23.33	-17.31	-6.3	131.4
Effect of Exchange Rate Changes on Cash and Cash Equivalents	-2.18	-2.3	1.22	-5.6	-2.38	-0.78
Net Cash Flow	243.49	358.75	91.79	49.27	-180.57	14.66
Free Cash Flow	189.48	43.5	254.13	94.36	-33.24	-108.32
Free Cash Flow Growth	335.62%	-82.88%	169.33%	-	-	-
FCF Margin	146.61%	36.18%	227.10%	87.34%	-40.56%	-164.63%
Free Cash Flow Per Share	-	-	-	-	-1.21	-
Levered Free Cash Flow	1,285	969.01	646.02	1,017	903.15	474.78
Unlevered Free Cash Flow	1,254	940.55	611.27	975.29	880.49	364.31

Updated Jan 31, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

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