VBNK

VersaBank

Price Chart

No historical data available

Latest Quote

$19.84

-0.65 (-3.17%)

Current Price

Previous Close	$20.49
Open	$20.36
Day High	$20.36
Day Low	$19.58
Volume	100,326

Fetched: 2026-08-30T10:58:41

Stock Information

Note: Financial values converted from CAD to USD

Quarterly Dividend / Yield	$0.07 / 0.35%
Shares Outstanding	32.42M
Quarterly Dividend Yield	0.35%
Quarterly Dividend	$0.07
Total Debt	$75.04M
Cash Equivalents	$412.40M
Revenue	$99.16M
Net Income	$21.85M
Sector	Financial Services
Industry	Banks - Regional
Market Cap	$643.13M
P/E Ratio	29.18
EPS (TTM)	$0.68
Exchange	NMS

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Recent Price History

No history data available. Data will be fetched automatically.

About VersaBank

VersaBank provides various banking products and services in Canada and the United States. The company operates through four segments: Digital Banking Canada, Digital Banking USA, DRTC (Cybersecurity), and Digital Meteor. It offers deposit products, such as guaranteed investment certificates, registered retirement savings plans, and tax-free savings accounts, as well as deposit insurance products. The company also provides lending services, including point of sale financing that covers purchasing loan and lease receivables from finance companies operating in various industries; commercial real estate mortgages and loans, public sector, leases, and other financing. In addition, it provides cybersecurity services. The company was formerly known as Pacific & Western Bank of Canada and changed its name to VersaBank in May 2016. VersaBank was incorporated in 1979 and is headquartered in London, Canada.

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Period:

Income Statement (Annual)

Metric	2025-10-31	2024-10-31	2023-10-31	2022-10-31
Revenue
Total Revenue	$90,555,800	$81,105,058	$78,926,912	$59,860,507
Operating Revenue	$90,555,800	$81,105,058	$78,926,912	$59,860,507
Expenses
Interest Expense	$130,421,392	$132,784,077	$93,928,366	$36,436,356
General And Administrative Expense	$52,100,408	$37,745,569	$33,768,527	$33,077,594
Income & Earnings
Net Income From Continuing Operation Net Minority Interest	$20,675,676	$28,878,234	$30,632,084	$16,461,785
Net Interest Income	$84,399,886	$74,582,245	$72,690,353	$55,700,379
Interest Income	$214,821,277	$207,366,322	$166,618,719	$92,136,735
Normalized Income	$20,675,676	$28,878,234	$30,632,084	$16,461,785
Net Income From Continuing And Discontinued Operation	$20,675,676	$28,878,234	$30,632,084	$16,461,785
Net Income Common Stockholders	$20,675,676	$28,160,419	$29,914,270	$15,743,970
Net Income	$20,675,676	$28,878,234	$30,632,084	$16,461,785
Net Income Including Noncontrolling Interests	$20,675,676	$28,878,234	$30,632,084	$16,461,785
Net Income Continuous Operations	$20,675,676	$28,878,234	$30,632,084	$16,461,785
Pretax Income	$30,146,034	$39,808,923	$41,880,995	$23,647,196
Per Share
Diluted EPS	$0.65	$1.08	$1.14	$0.57
Basic EPS	$0.65	$1.08	$1.14	$0.57
Other
Tax Effect Of Unusual Items	$0	$0	$0	$0
Tax Rate For Calcs	$0	$0	$0	$0
Reconciled Depreciation	$2,252,979	$1,913,688	$1,295,408	$1,408,021
Diluted Average Shares	$22,890,658	$18,864,955	$19,088,738	$20,837,702
Basic Average Shares	$22,890,658	$18,864,955	$19,088,738	$20,837,702
Diluted NI Availto Com Stockholders	$20,675,676	$28,160,419	$29,914,270	$15,743,970
Tax Provision	$9,470,358	$10,930,689	$11,248,910	$7,185,411
Selling General And Administration	$52,100,408	$37,745,569	$33,768,527	$33,077,594
Other Gand A	$24,503,778	$13,926,911	$10,935,048	$13,609,416
Salaries And Wages	$27,596,629	$23,818,658	$22,833,479	$19,468,178
Occupancy And Equipment	$5,103,168	$3,745,278	$2,834,932	$2,808,050
Preferred Stock Dividends	-	$717,815	$717,815	$717,815

Fetched: 2026-08-21

Balance Sheet (Annual)

Metric	2025-10-31	2024-10-31	2023-10-31	2022-10-31
Assets
Net Tangible Assets	$370,395,242	$272,339,442	$267,809,509	$248,282,481
Total Assets	$4,220,048,767	$3,515,318,296	$3,052,608,318	$2,372,855,325
Goodwill And Other Intangible Assets	$16,609,271	$17,694,711	$6,208,224	$6,494,478
Other Intangible Assets	$7,672,188	$8,757,629	$2,027,754	$2,314,008
Receivables	$22,369,225	$23,608,690	$17,828,393	$13,423,424
Accounts Receivable	$22,369,225	$23,608,690	$17,828,393	$13,423,424
Cash And Cash Equivalents	$422,631,511	$163,654,464	$96,078,177	$64,357,020
Cash Financial	$422,631,511	$163,654,464	$96,078,177	$64,357,020
Cash Cash Equivalents And Federal Funds Sold	$422,631,511	$163,654,464	$96,078,177	$64,357,020
Prepaid Assets	-	-	-	-
Other Receivables	-	-	-	-
Debt
Total Debt	$78,837,549	$78,886,227	$80,369,807	$79,498,694
Long Term Debt And Capital Lease Obligation	$78,837,549	$78,886,227	$80,369,807	$79,498,694
Long Term Debt	$75,207,790	$74,471,812	$77,630,051	$76,250,365
Net Debt	-	-	-	$11,893,345
Liabilities
Total Liabilities Net Minority Interest	$3,833,044,254	$3,225,284,143	$2,778,590,585	$2,118,078,365
Derivative Product Liabilities	$302,238	$0	-	-
Non Current Deferred Liabilities	$23,976	$102,441	$531,096	$571,055
Non Current Deferred Taxes Liabilities	$23,976	$102,441	$531,096	$571,055
Payables And Accrued Expenses	$91,543	$648,794	$5,424,295	$4,211,712
Payables	$91,543	$648,794	$5,424,295	$4,211,712
Total Tax Payable	$91,543	$648,794	$5,424,295	$4,211,712
Income Tax Payable	$91,543	$648,794	$5,424,295	$4,211,712
Accounts Payable	-	-	$7,033,566	$5,566,696
Equity
Common Stock Equity	$387,004,513	$290,034,153	$264,102,737	$244,861,964
Total Equity Gross Minority Interest	$387,004,513	$290,034,153	$274,017,733	$254,776,960
Stockholders Equity	$387,004,513	$290,034,153	$274,017,733	$254,776,960
Gains Losses Not Affecting Retained Earnings	$408,312	$-94,449	$95,176	$71,927
Other Equity Adjustments	$408,312	$-94,449	$95,176	$71,927
Retained Earnings	$148,015,115	$131,675,388	$106,105,059	$79,435,486
Preferred Stock Equity	-	-	$9,914,996	$9,914,996
Long Term Equity Investment	-	-	-	-
Other
Ordinary Shares Number	$23,209,485	$18,891,730	$18,864,011	$19,794,960
Share Issued	$23,209,485	$18,891,730	$18,864,011	$19,794,960
Tangible Book Value	$370,395,242	$272,339,442	$257,894,513	$238,367,485
Invested Capital	$462,212,303	$364,505,965	$341,732,788	$321,112,329
Capital Lease Obligations	$3,629,759	$4,414,415	$2,739,756	$3,248,329
Total Capitalization	$462,212,303	$364,505,965	$351,647,784	$331,027,325
Additional Paid In Capital	$1,796,716	$1,805,435	$1,825,777	$1,171,171
Capital Stock	$236,784,370	$156,647,780	$165,991,721	$174,098,376
Common Stock	$236,784,370	$156,647,780	$156,076,725	$164,183,380
Preferred Stock	$0	$0	$9,914,996	$9,914,996
Long Term Capital Lease Obligation	$3,629,759	$4,414,415	$2,739,756	$3,248,329
Long Term Provisions	$211,178,441	$124,388,262	$111,718,253	$91,623,077
Investments And Advances	$59,485,616	$218,143,713	$122,706,338	$103,543,304
Available For Sale Securities	$58,793,230	$217,451,327	$122,013,952	$102,850,918
Goodwill	$8,937,082	$8,937,082	$4,180,471	$4,180,471
Net PPE	$19,151,410	$19,339,582	$7,238,448	$7,984,598
Accumulated Depreciation	$-9,772,595	$-9,830,718	$-8,708,225	$-8,204,011
Gross PPE	$28,924,005	$29,170,300	$15,946,673	$16,188,608
Other Properties	$26,617,263	$26,679,018	$12,951,904	$12,688,899
Buildings And Improvements	$2,306,742	$2,491,282	$2,994,769	$3,499,709
Other Short Term Investments	$692,386	$692,386	$692,386	$692,386
Preferred Shares Number	-	-	$1,061,799	$1,061,799

Fetched: 2026-08-21

Cash Flow Statement (Annual)

Metric	2025-10-31	2024-10-31	2023-10-31	2022-10-31
Free Cash Flow
Free Cash Flow	$31,602,006	$184,631,652	$68,552,021	$-24,146,324
Operating Activities
Operating Cash Flow	$32,295,118	$198,129,182	$68,815,026	$-23,724,209
Cash Flow From Continuing Operating Activities	$32,295,118	$198,129,182	$68,815,026	$-23,724,209
Operating Gains Losses	$2,223,918	$-1,133,391	$7,633,682	$6,893,345
Investing Activities
Capital Expenditure	$-693,112	$-13,497,530	$-263,005	$-422,116
Investing Cash Flow	$154,212,442	$-114,489,250	$-20,444,639	$-102,885,791
Cash Flow From Continuing Investing Activities	$154,212,442	$-114,489,250	$-20,444,639	$-102,885,791
Financing Activities
Repurchase Of Capital Stock	$-6,631,067	$-10,618,280	$-9,657,077	$-1,402,209
Issuance Of Capital Stock	$83,385,645	$441,006	$203,429	$0
Financing Cash Flow	$74,137,607	$-16,951,468	$-12,577,739	$-4,577,884
Cash Flow From Continuing Financing Activities	$74,137,607	$-16,951,468	$-12,577,739	$-4,577,884
Cash Dividends Paid	$-2,350,334	$-2,606,800	$-2,615,519	$-2,709,242
Net Preferred Stock Issuance	$0	$-10,618,280	$0	$0
Net Common Stock Issuance	$76,754,579	$441,006	$-9,453,647	$-1,402,209
Common Stock Issuance	$83,385,645	$441,006	$203,429	$0
Other
Repayment Of Debt	$-266,638	$-4,167,393	$-508,573	$-466,434
End Cash Position	$422,631,511	$163,654,464	$96,078,177	$64,357,020
Beginning Cash Position	$163,654,464	$96,078,177	$64,357,020	$197,270,420
Effect Of Exchange Rate Changes	$-1,668,120	$887,823	$-4,071,491	$-1,725,516
Changes In Cash	$260,645,167	$66,688,464	$35,792,648	$-131,187,884
Preferred Stock Payments	$0	$-10,618,280	$0	$0
Common Stock Payments	$-6,631,067	$0	$-9,657,077	$-1,402,209
Net Issuance Payments Of Debt	$-266,638	$-4,167,393	$-508,573	$-466,434
Net Long Term Debt Issuance	$-266,638	$-4,167,393	$-508,573	$-466,434
Long Term Debt Payments	$-266,638	$-4,167,393	$-508,573	$-466,434
Net Investment Purchase And Sale	$154,905,554	$-92,189,046	$-20,181,634	$-102,463,676
Sale Of Investment	$158,767,077	-	-	-
Purchase Of Investment	$-3,861,523	$-92,189,046	$-20,181,634	$-102,463,676
Net Business Purchase And Sale	$0	$-8,802,674	$0	$0
Purchase Of Business	$0	$-8,802,674	$0	$0
Net PPE Purchase And Sale	$-693,112	$-13,497,530	$-263,005	$-422,116
Purchase Of PPE	$-693,112	$-13,497,530	$-263,005	$-422,116
Taxes Refund Paid	$-10,483,145	$-14,326,504	$-11,588,928	$-4,558,995
Interest Received Cfo	$213,176,407	$201,164,637	$160,400,323	$84,287,999
Interest Paid Cfo	$-135,801,369	$-121,808,343	$-68,138,624	$-26,124,674
Change In Working Capital	$12,024,121	$167,003,782	$9,038,071	$-54,582,971
Change In Other Working Capital	$614,892,486	$390,662,606	$626,877,375	$585,112,625
Other Non Cash Items	$-84,399,886	$-74,582,245	$-72,690,353	$-55,700,379
Stock Based Compensation	$58,849	$252,833	$654,606	$1,065,824
Asset Impairment Charge	$0	$301,511	$0	-
Deferred Tax	$9,470,358	$10,930,689	$11,248,910	$7,185,411
Deferred Income Tax	$9,470,358	$10,930,689	$11,248,910	$7,185,411
Depreciation Amortization Depletion	$2,252,979	$1,913,688	$1,295,408	$1,408,021
Depreciation And Amortization	$2,252,979	$1,913,688	$1,295,408	$1,408,021
Amortization Cash Flow	$2,252,979	$1,913,688	$1,295,408	$1,408,021
Amortization Of Intangibles	$2,252,979	$1,913,688	$1,295,408	$1,408,021
Net Foreign Currency Exchange Gain Loss	$2,223,918	$-1,133,391	$7,633,682	$6,893,345
Net Income From Continuing Operations	$20,675,676	$28,878,234	$30,632,084	$16,461,785
Issuance Of Debt	-	-	-	$0
Long Term Debt Issuance	-	-	-	$0

Fetched: 2026-08-21