Pricing Log in Create free account
Friday 6 November 2026 Export VBNK’s income statement to Excel — free account

VersaBank

VBNK Financial Banks Regional

VersaBank’s revenue for fiscal 2025 (year ended October 2025) was $217.1 million, roughly unchanged from fiscal 2024.

Revenue
+19.2%
EPS
+46.7%
Free cash flow
−125.0%

Quarter to July 2026, against a year earlier

22.38 0.57 −2.48%
Market cap
$724.9M
P/E
29.4×
Fwd P/E
25.8×
Dividend yield
0.32%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 35.43%

Capital & Financial Ratios $m

Size
Market Cap 724.91
Revenue ttm 246.21
Net income ttm 23.92
Free cash flow ttm 7.04
Net debt Q (350.97)
Valuation
P/E 29.45
Forward P/E 25.80
Price / sales 2.93
Forward P/S Powerpack
Price / FCF 102.57
Price / book 1.78
Financial health
Current ratio Q 1.11
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +19.17% (above 0%: growing)
Operating income growth Q +56.02% (above 0%: growing)
EPS, this year +38.82% (at or above 15%: strong)
EPS, next year A +66.93% (at or above 15%: strong)
Revenue, next year A −48.75% (below 0%: weak)
EPS, past 5 yrs +1.06%
EPS, next 5 yrs A +44.31% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 97.62%
10-year low 10-year high
P/S against its own 10 years 79.92%
10-year low 10-year high
P/B against its own 10 years 98.52%
10-year low 10-year high

Dividends

Yield
0.32%
Annual rate
0.07
Payout ratio
9.43%
Growth, 2018–26
+11.0%/yr
  1. 0.03 ’18
  2. 0.07 ’19 +133
  3. 0.09 ’20 +28
  4. 0.12 ’21 +34
  5. 0.08 ’22 −38
  6. 0.07 ’23 −4
  7. 0.07 ’24 +0
  8. 0.07 ’25 −4
  9. 0.07 ’26 +1
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 98 165 415 351
Receivables — — — —
Inventory — — — —
Other — — — —
2,953 3,278 4,032 4,764
2023 2024 2025 Q'26
Payables 2,620 3,045 3,470 4,233
ST’ Debt — — — —
Other — — — —
2,699 3,120 3,544 4,307

Compound Annual Growth %

10y 5y 3y
Sales — 27.64% 28.24%
Cash Flow — (21.11%) 0.00%
Earnings — 9.64% 6.47%
Book Value — 14.90% 11.77%

Earnings Trends EPS, adjusted, against the consensus

Jul 2026 Estimate 0.34 Actual 0.27

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Oct 2025 0.24 0.24 Met by 0.00
Jan 2026 0.27 0.27 Met by 0.00
Apr 2026 0.28 0.28 Met by 0.00
Jul 2026 0.34 0.27 Miss by 0.07
Oct 2026 0.36 — Reports 9 December 2026

EPS $

Jan Apr Jul Oct Year
’26 0.25 0.17 0.22 — —
’25 0.20 0.18 0.15 0.12 0.64
’24 0.36 0.33 0.26 0.15 1.09
’23 0.25 0.28 0.28 0.35 1.16
’22 0.15 0.13 0.16 0.17 0.61
’21 0.17 0.20 0.20 0.19 0.76
’20 0.17 0.16 0.13 0.17 0.61
Fiscal quarters ending in the months shown.

Revenue $m

Jan Apr Jul Oct Year
’26 60 62 66 — —
’25 53 51 55 58 217
’24 53 54 54 55 216
’23 38 42 46 50 176
’22 21 22 27 33 103
’21 18 18 19 21 75
’20 17 16 15 16 64
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Jan Apr Jul Oct Year
’26 40 (32) (32) — —
’25 (63) (70) 129 35 32
’24 (13) 37 63 113 200
’23 94 23 (100) 53 70
’22 (89) 32 21 10 (25)
’21 (21) (9) 21 (78) (86)
’20 (10) 169 12 (68) 104
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Jan Apr Jul Oct Year
’26 40 (36) (32) — —
’25 (64) (70) 129 35 31
’24 (25) 37 62 113 187
’23 94 23 (100) 53 70
’22 (89) 32 21 10 (26)
’21 (21) (9) 21 (78) (86)
’20 (10) 169 12 (68) 104
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to October

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jul ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 30 34 39 66 64 75 103 176 216 217 246 +24.8% 111 154 184 (5.4%)
Gross margin, % 0.00 0.00 0.00 61.04 62.89 69.02 62.16 45.66 37.92 40.98 43.56 +41.0 pt
EBT 9 11 19 21 20 24 25 43 40 30 36 +14.5%
EBT margin, % 29.63 33.60 48.40 31.50 31.05 32.52 24.56 24.23 18.61 13.64 14.50 (16.0) pt
Net income 6 15 14 15 14 18 18 31 29 20 24 +13.9%
Per share, $
Per share, $ Revenue 0.00 1.63 1.87 3.15 3.03 3.46 3.75 6.71 8.33 6.89 7.63 n/m
Earnings 0.24 0.64 0.57 0.64 0.61 0.76 0.61 1.16 1.09 0.64 0.76 +11.6%
Cash flow 0.00 0.89 1.11 0.70 4.92 (3.96) (0.92) 2.67 7.72 1.01 0.35 n/m
Capex 0.00 0.00 0.00 (0.01) (0.01) 0.00 (0.02) (0.01) (0.53) (0.02) (0.14) n/m
Free cash flow 0.00 0.89 1.11 0.70 4.91 (3.96) (0.94) 2.66 7.19 0.99 0.22 n/m
Book value 0.00 7.77 8.09 8.55 8.99 12.14 9.93 10.64 11.30 12.07 12.55 n/m
Shares, m — 21 21 21 21 22 27 26 26 32 32 +5.3%
Valuation, ×
Valuation, × P/E 7.91 7.91 7.91 7.91 8.75 15.80 11.38 6.59 13.64 18.26 29.45 10.6
P/S 0.00 0.00 0.00 1.63 1.82 3.47 1.85 1.14 1.80 1.72 2.93 1.3
P/B 0.70 0.70 0.70 0.60 0.61 0.99 0.70 0.72 1.33 0.98 1.78 0.8
EV/Sales 0.00 0.00 0.00 0.06 (1.17) 0.60 1.18 0.58 1.04 (0.19) — 0.2
EV/FCF 0.00 0.00 0.00 0.26 (0.73) (0.53) (4.71) 1.47 1.20 (1.33) — (0.4)
Cash, $m
Cash, $m Operating cash flow 17 19 23 15 104 (86) (25) 70 200 32 11 +7.3%
Capex — (2) (1) 0 0 0 0 0 (14) (1) (4) (11.1%)
Free cash flow 17 19 23 15 104 (86) (26) 70 187 31 7 +7.0%
Balance, $m
Balance, $m Working capital — — — 222 246 339 248 254 157 488 457 +14.0%
Net debt 43 33 33 (105) (192) (216) (69) (98) (165) (415) (351) n/m
Shareholders’ equity 139 162 171 181 190 264 272 280 293 380 405 +11.8%
Returns, %
Returns, % ROA 0.36 1.03 0.89 0.99 0.92 0.98 0.76 1.08 0.85 0.53 0.55 +0.2 pt
ROIC 0.00 0.00 0.00 17.21 0.00 31.76 7.76 14.71 19.69 0.00 41.26 0.0 pt
ROE 3.66 10.46 8.45 8.24 6.92 7.29 6.27 11.06 9.94 6.03 6.20 +2.4 pt
People
People Employees — — — 145 145 145 110 119 119 131 — (1.7%)
Revenue/emp, $m 0.00 0.00 0.00 0.46 0.44 0.52 0.94 1.48 1.82 1.66 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Oct 2025 · latest quarter Jul 2026 · fundamentals updated 26 Oct 2026

VersaBank vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
SHBI Shore Bancshares Inc $744.8M 10.9× 10.4× +3.34% (above 0%: growing) +16.84% (above 0%: growing) −14.11% (below 0%: shrinking) 71.59% 0.00% Compare
HTB HomeTrust Bancshares, Inc. $742.9M 12.2× 11.7× −4.58% (below 0%: shrinking) −5.94% (below 0%: shrinking) +417.30% (above 0%: growing) 77.45% 0.00% Compare
WASH Washington Trust Bancorp, Inc. $737.6M 11.5× 11.4× +0.09% (above 0%: growing) +78.95% (above 0%: growing) −48.12% (below 0%: shrinking) 65.83% 0.00% Compare
PFIS Peoples Financial Services Corp. $730.2M 12.9× 11.0× +3.78% (above 0%: growing) −12.94% (below 0%: shrinking) +54.41% (above 0%: growing) 70.19% 0.00% Compare
VBNK VersaBank $724.9M 29.4× 25.8× +19.17% (above 0%: growing) +46.67% (above 0%: growing) −124.97% (below 0%: shrinking) 42.29% 0.00%
AROW Arrow Financial Corporation $715.6M 12.5× 13.6× +4.55% (above 0%: growing) +1.54% (above 0%: growing) +37.22% (above 0%: growing) 71.42% 0.00% Compare
CWBC Community West Bancshares $707.1M 14.0× 15.8× +32.57% (above 0%: growing) −75.61% (below 0%: shrinking) +65.55% (above 0%: growing) 76.29% 0.00% Compare
CBNK Capital Bancorp, Inc. $695.6M 12.5× 12.0× +8.53% (above 0%: growing) +10.13% (above 0%: growing) −18.20% (below 0%: shrinking) 77.43% 0.00% Compare
BHB Bar Harbor Bankshares, Inc. $691.9M 13.9× 11.2× +26.82% (above 0%: growing) +127.50% (above 0%: growing) +563.60% (above 0%: growing) 73.41% 0.00% Compare
Median of peers $722.9M 12.5× 11.6× +4.17% +5.84% +45.82% 72.50% 0.00%

All 327 Banks Regional stocks →

VersaBank (VBNK) Latest News

27 Oct

Impact 4 · · MT Newswires
Impact 4 · · TMX Newsfile

19 Oct

Impact 4 · · Forkast News

14 Oct

Impact 4 · · TMX Newsfile

7 Oct

Impact 4 · · The Motley Fool

1 Oct

Impact 4 · · Forkast News

22 Sep

Impact 4 ·

17 Sep

Impact 4 ·

9 Sep

Impact 3 · · The Motley Fool transcript
Impact 3 ·

6 Sep

Impact 4 ·

4 Sep

Impact 3 ·

3 Sep

Impact 4 ·
Impact 3 · · MarketBeat

1 Sep

Impact 4 ·

25 Aug

Impact 4 ·
Impact 4 ·

5 Aug

Impact 3 ·
Impact 3 ·

28 Jul

Impact 4 ·
Impact 3 ·

23 Jul

Impact 3 ·

9 Jul

Impact 3 ·
Impact 3 ·

29 Jun

Impact 4 ·
Impact 4 ·

3 Jun

Impact 4 ·
Impact 4 · · CNW Group
Impact 4 ·
Impact 3 · · MarketBeat transcript
stockrow.com/VBNK · Data as of Oct 26, 2026 · For information only; not investment advice. · © 2026 stockrow.com