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Stocks · Financials · Commercial Banks, NEC

VersaBank

VBNK Clue Score57
Ontario, Canada Fiscal year ends October CIK 0001690639
$22.74 +3.18% Close, 12 Oct 2026
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Price $22.74 +93.70% Close, 12 Oct 2026

Closing prices at the end of each trading day, from 27 Aug 2021. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2020Revenue54.2Net income19.4Fiscal year 2021Revenue65.4 +20.6%Net income22.4 +15.3%Fiscal year 2022Revenue82.4 +26.1%Net income22.7 +1.2%Fiscal year 2023Revenue108.6 +31.9%Net income42.2 +86.1%Fiscal year 2024Revenue111.6 +2.8%Net income39.7 −5.7%Fiscal year 2025Revenue124.6 +11.7%Net income28.5 −28.4%
FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 54.2 65.4 82.4 108.6 111.6 124.6
Growth +20.6% +26.1% +31.9% +2.8% +11.7%
Net income 19.4 22.4 22.7 42.2 39.7 28.5
Growth +15.3% +1.2% +86.1% −5.7% −28.4%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2020Net margin35.8%Free cash flow margin257.2%Fiscal year 2021Net margin34.2%Free cash flow margin−165.7%Fiscal year 2022Net margin27.5%Free cash flow margin−40.3%Fiscal year 2023Net margin38.8%Free cash flow margin86.9%Fiscal year 2024Net margin35.6%Free cash flow margin227.6%Fiscal year 2025Net margin22.8%Free cash flow margin34.9%
FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 35.8% 34.2% 27.5% 38.8% 35.6% 22.8%
Free cash flow margin 257.2% −165.7% −40.3% 86.9% 227.6% 34.9%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2020Operating cash flow139.6Capital expenditure−0.2Free cash flow139.4Dividends paid−4.3Fiscal year 2021Operating cash flow−108.3Capital expenditure−0.0Free cash flow−108.3 −177.7%Dividends paid−3.8Fiscal year 2022Operating cash flow−32.7Capital expenditure−0.6Free cash flow−33.2Dividends paid−3.7Fiscal year 2023Operating cash flow94.7Capital expenditure−0.4Free cash flow94.4Dividends paid−3.6Fiscal year 2024Operating cash flow272.7Capital expenditure−18.6Free cash flow254.1 +169.3%Dividends paid−3.6Fiscal year 2025Operating cash flow44.5Capital expenditure−1.0Free cash flow43.5 −82.9%Dividends paid−3.2
FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 139.6 −108.3 −32.7 94.7 272.7 44.5
Capital expenditure −0.2 −0.0 −0.6 −0.4 −18.6 −1.0
Free cash flow 139.4 −108.3 −33.2 94.4 254.1 43.5
Growth −177.7% +169.3% −82.9%
Dividends paid −4.3 −3.8 −3.7 −3.6 −3.6 −3.2

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash and securities
Fiscal year 2020Cash and securities257.6Shareholders’ equity255.3Fiscal year 2021Cash and securities271.5Shareholders’ equity332.1Fiscal year 2022Cash and securities88.6Shareholders’ equity350.7Fiscal year 2023Cash and securities132.2Shareholders’ equity377.2Fiscal year 2024Cash and securities225.3Shareholders’ equity399.2Fiscal year 2025Cash and securities581.7Shareholders’ equity532.7
FY2020FY2021FY2022FY2023FY2024FY2025
Cash and securities 257.6 271.5 88.6 132.2 225.3 581.7
Shareholders’ equity 255.3 332.1 350.7 377.2 399.2 532.7

In millions of CAD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Balance sheet

In millions of CAD, except per-share figures; shares in millions. Fiscal years ending October, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2020 31 Oct 2020 FY2021 31 Oct 2021 FY2022 31 Oct 2022 FY2023 31 Oct 2023 FY2024 31 Oct 2024 FY2025 31 Oct 2025
Assets
257.6 271.5 88.6 132.2 225.3 581.7
7.4 7.1 6.9 6.5 23.9 23.9
0.0 5.8 5.8 5.8 12.3 12.3
1,943.9 2,415.1 3,266.0 4,201.6 4,838.5 5,808.5
Growth +24.2% +35.2% +28.6% +15.2% +20.0%
Liabilities
1,688.6 2,083.0 2,915.3 3,824.5 4,439.3 5,275.8
Equity
73.2 90.6 109.3 146.0 181.2 203.7
255.3 332.1 350.7 377.2 399.2 532.7
Growth +30.1% +5.6% +7.6% +5.8% +33.4%
Per share and net cash
n/a 27.4 27.2 26.0 26.0 n/a
calc n/a 12.10 12.87 14.53 15.35 n/a

Lines marked calc are worked out here from filed figures; point at one for how. Shown in CAD as filed; the screener converts to dollars.