VersaBank (VBNK)
NASDAQ: VBNK · Real-Time Price · USD
19.23
+0.24 (1.26%)
Jun 5, 2026, 4:00 PM EDT - Market closed
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 | 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 Income | 30.38 | 28.46 | 39.75 | 42.16 | 22.66 | 22.38 |
Depreciation & Amortization | 3.52 | 3.1 | 2.63 | 1.78 | 1.94 | 1.73 |
Provision for Credit Losses | 3.63 | 4.41 | -0.27 | 0.61 | 0.45 | -0.32 |
Stock-Based Compensation | 0.01 | 0.08 | 0.35 | 0.9 | 1.47 | - |
Net Change in Loans Held-for-Sale | -1,148 | -829.79 | -307.84 | -850.39 | -880.48 | -443.68 |
Other Adjustments | -119.88 | -100.22 | -89.13 | -74.22 | -57.82 | -51.01 |
Changes in Other Operating Activities | 1,473 | 938.41 | 627.22 | 973.87 | 879.13 | 362.6 |
Operating Cash Flow | 110.69 | 44.45 | 272.71 | 94.72 | -32.65 | -108.31 |
Operating Cash Flow Growth | 94.60% | -83.70% | 187.92% | - | - | - |
Net Change in Securities and Investments | 4.45 | 218.53 | -126.89 | -27.78 | -141.03 | - |
Payments for Business Acquisitions | - | - | -12.12 | - | - | -7.47 |
Proceeds from Business Divestments | 1.04 | - | - | - | - | - |
Capital Expenditures | -5.88 | -0.95 | -18.58 | -0.36 | -0.58 | -0.01 |
Other Investing Activities | -10.23 | -5.32 | - | - | - | -0.95 |
Investing Cash Flow | -10.62 | 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 | 4.44 | 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) | 0.73 | 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 | -3.21 | -3.24 | -3.59 | -3.6 | -3.73 | -3.85 |
Other Financing Activities | -0.79 | -0.37 | -0.74 | -0.7 | -0.64 | -9.25 |
Financing Cash Flow | -8.68 | 102.04 | -23.33 | -17.31 | -6.3 | 131.4 |
Effect of Exchange Rate Changes on Cash and Cash Equivalents | 2.97 | -2.3 | 1.22 | -5.6 | -2.38 | -0.78 |
Net Cash Flow | 227.98 | 356.46 | 93.01 | 43.66 | -182.94 | 13.88 |
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% | - | - | - |
FCF Margin | 76.03% | 36.18% | 227.10% | 87.34% | -40.56% | -164.63% |
Free Cash Flow Per Share | 3.26 | 1.38 | 9.53 | 3.51 | -1.21 | -4.65 |
Levered Free Cash Flow | 1,501 | 969.01 | 646.02 | 1,017 | 903.15 | 474.78 |
Unlevered Free Cash Flow | 1,471 | 940.55 | 611.27 | 975.29 | 880.49 | 364.31 |