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Data is in US dollars, converted at the ECB reference rate of Oct 23, 2026.

VersaBank

VBNK Nasdaq Commercial Banks, Nec Financials FY2020–FY2025

Last close · Oct 23, 2026

$23.25

1.8%
Compare
Revenue Total sales reported in the income statement.
$89.0M
8.5% vs prior year
Efficiency ratio Noninterest expense as a share of revenue. Lower is better for banks.
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Net income Profit after all expenses, interest and tax.
$20.3M
30.5%
Return on equity Net income as a share of average shareholders' equity.
6.1%
4.4 pts
Market cap Last close times the latest diluted share count, so it is approximate.
$743M
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
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What VersaBank does

No business description yet.

Legal name
VersaBank
Fiscal year ends
October 31, 2025
Latest annual report
40-F · Dec 10, 2025
Accession · CIK
0001437749-25-037310
0001690639

Revenue and margins

VersaBank had $89.0M of revenue in fiscal 2025, up 8.5% on the year before.

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

Loss periods are shown in red.

Net income
Net income
Diluted EPS

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

Dividends, buybacks and share count

VersaBank returned $2.3M to shareholders in fiscal 2025, 7% of free cash flow. The diluted share count rose 21.3%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits
Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Total assets $2.0B$2.4B$3.0B$3.5B$4.1B
Shareholders' equity $269M$257M$272M$287M$380M
Goodwill $4.7M$4.2M$4.2M$8.8M$8.8M
Intangible assets $2.9M$2.3M$2.0M$8.7M$7.5M

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

—

$0.0M

No open-market insider trades in the last 12 months.

6 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

Download CSV
Fiscal yearFY20FY21FY22FY23FY24FY25
Income statement
Revenue $40.3M $52.0M $64.0M $80.6M $82.0M $89.0M
Net interest income $40.2M $47.8M $59.5M $74.2M $75.4M $82.9M
Interest expense $23.8M $23.3M $38.9M $95.9M $134M $128M
Pretax income $19.9M $24.5M $25.3M $42.7M $40.3M $29.6M
Income tax $5.5M $6.7M $7.7M $11.5M $11.1M $9.3M
Net income $14.4M $17.8M $17.6M $31.3M $29.2M $20.3M
Diluted shares 0.02B 0.02B 0.03B 0.03B 0.03B 0.03B
Cash flow
Cash from operations $104M −$86.1M −$25.4M $70.2M $200M $31.7M
Capital expenditure $0.2M $0.0M $0.5M $0.3M $13.6M $0.7M
Free cash flow $104M −$86.1M −$25.8M $70.0M $187M $31.0M
Stock-based compensation — $0.0M $1.1M $0.7M $0.3M $0.1M
Acquisitions $0.0M $5.9M $0.0M $0.0M $8.9M —
Dividends paid $3.2M $3.1M $2.9M $2.7M $2.6M $2.3M
Dividends and buybacks $3.2M $3.1M $2.9M $2.7M $2.6M $2.3M
Balance sheet
Cash and short-term investments $194M $220M $64.8M $95.5M $162M $415M
Property and equipment, net $5.6M $5.7M $5.0M $4.7M $17.2M $17.1M
Goodwill $0.0M $4.7M $4.2M $4.2M $8.8M $8.8M
Intangible assets $0.0M $2.9M $2.3M $2.0M $8.7M $7.5M
Total assets $1.5B $2.0B $2.4B $3.0B $3.5B $4.1B
Total liabilities $1.3B $1.7B $2.1B $2.8B $3.2B $3.8B
Shareholders' equity $192M $269M $257M $272M $287M $380M
Margins
Net margin 35.8% 34.2% 27.5% 38.8% 35.6% 22.8%
FCF margin 257.2% −165.7% −40.3% 86.9% 227.6% 34.9%
Net interest share of revenue 99.9% 92.0% 93.1% 92.1% 92.0% 93.2%
Returns
Return on equity 7.5% 7.7% 6.7% 11.8% 10.4% 6.1%
Return on assets 1.0% 1.0% 0.8% 1.2% 0.9% 0.5%
Return on tangible equity 7.5% 6.8% 7.0% 11.8% 10.8% 5.6%
Growth
Revenue growth — 29.0% 23.1% 25.9% 1.8% 8.5%
Net income growth — 23.4% −1.1% 77.7% −6.6% −30.5%
FCF growth — −183.2% — — 166.9% −83.4%
Share count change — 3.0% 26.1% −4.2% −1.2% 21.3%
Capital allocation
Capex / revenue 0.5% 0.0% 0.7% 0.3% 16.6% 0.8%
Stock comp / revenue — 0.0% 1.8% 0.8% 0.3% 0.1%
Payouts / FCF 3.1% — — 3.8% 1.4% 7.4%
Quality scores
Accruals ratio −6.1% 6.1% 2.0% −1.4% −5.3% −0.3%

Source: SEC EDGAR XBRL filings (CIK 0001690639). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. Filed in CAD under IFRS and converted to US$: income and cash-flow lines at each period's average exchange rate, balance-sheet lines at the period-end rate. For information only — not investment advice. Check the original filings before relying on any figure.

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