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	-121.01	-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	5.68	44.45	272.71	94.72	-32.65	-108.31
Operating Cash Flow Growth	-	-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	-	-9.13	-	-13.29	-1.93	-
Net Common Stock Issued (Repurchased)	4.44	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	-0.2	43.5	254.13	94.36	-33.24	-108.32
Free Cash Flow Growth	-	-82.88%	169.33%	-	-	-
FCF Margin	-0.15%	36.18%	227.10%	87.34%	-40.56%	-164.63%
Free Cash Flow Per Share	-0.01	1.38	9.53	3.51	-1.21	-4.65

SEC Filings: 10-K · 10-Q