VersaBank
VBNK Nasdaq· Commercial Banks, Nec
Last close · Oct 23, 2026
$23.25
KIRA · Stoqly’s AI analyst, in plain words
- VersaBank had $89.0M of revenue in fiscal 2025, up 8.5% on the year before. Over five years, revenue changed +17.2% a year on average.
- VersaBank made $20.3M of net profit in fiscal 2025.
- VersaBank returned $2.3M to shareholders in fiscal 2025, 7% of free cash flow. The diluted share count rose 21.3%.
- It earned 6.1% on shareholders’ money.
Market cap
$743M
P/E
—
Revenue
$89.0M
Net income
$20.3M
Return on equity
6.1%
Efficiency ratio
—
VersaBank in 30 seconds · fiscal 2025
Are sales growing?
+8.5%
Yes. Sales grew 8.5% last year.
Does it make a profit?
22.8%
Yes. It keeps 22.8% of every sale as profit.
How much does it earn on its capital?
6.1%
Low. It earns 6.1% a year on shareholders’ money.
What VersaBank does
No business description yet.
- Fiscal year ends
- October 31, 2025
- Latest annual report
- 40-F · Dec 10, 2025
- Legal name
- VersaBank
- CIK
- 0001690639
VersaBank · VBNK
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $52.0M | $64.0M | $80.6M | $82.0M | $89.0M |
| Revenue growth | 29.0% | 23.1% | 25.9% | 1.8% | 8.5% |
| Net interest income | $47.8M | $59.5M | $74.2M | $75.4M | $82.9M |
| Net income | $17.8M | $17.6M | $31.3M | $29.2M | $20.3M |
| Net margin | 34.2% | 27.5% | 38.8% | 35.6% | 22.8% |
| Cash | |||||
| Cash from operations | −$86.1M | −$25.4M | $70.2M | $200M | $31.7M |
| Capital expenditure | $0.0M | $0.5M | $0.3M | $13.6M | $0.7M |
| Free cash flow | −$86.1M | −$25.8M | $70.0M | $187M | $31.0M |
| FCF margin | −165.7% | −40.3% | 86.9% | 227.6% | 34.9% |
| Dividends paid | $3.1M | $2.9M | $2.7M | $2.6M | $2.3M |
| Share count change | 3.0% | 26.1% | −4.2% | −1.2% | 21.3% |
| Debt and strength | |||||
| Cash and short-term investments | $220M | $64.8M | $95.5M | $162M | $415M |
| Shareholders' equity | $269M | $257M | $272M | $287M | $380M |
| Returns and quality | |||||
| Return on equity | 7.7% | 6.7% | 11.8% | 10.4% | 6.1% |
| Return on tangible equity | 6.8% | 7.0% | 11.8% | 10.8% | 5.6% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
VersaBank · VBNK
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $23.25 a share, the company is worth $743M.
Source: SEC EDGAR XBRL filings (CIK 0001690639). Data updated October 24, 2026. Filed in CAD under IFRS and converted to US$: 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.