Saturday 17 October 2026 Export VBNK’s income statement to Excel — free account

VersaBank

VersaBank’s revenue for fiscal 2025 (year ended October 2025) was $217.1 million, roughly unchanged from fiscal 2024. In the quarter to July 2026, revenue grew 19.2%, EPS grew 46.7% and free cash flow fell 125.0%, each against the same quarter a year earlier. Revenue growth for five consecutive years.

22.28 0.11 −0.49%

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Market cap: $725.9M
P/E: 29.3×
Fwd P/E: 18.0×
Dividend yield: 0.32%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Oct '16	Oct '17	Oct '18	Oct '19	Oct '20	Oct '21	Oct '22	Oct '23	Oct '24	Oct '25
Piotroski F-Score Full definition →	—	—	—	—	7	5	3	7	6	6
P/E ratio Full definition →	7.91	7.91	7.91	7.91	8.75	15.80	11.38	6.59	13.64	18.26
P/S ratio Full definition →	0.00	0.00	0.00	1.63	1.82	3.47	1.85	1.14	1.80	1.72
P/FCF ratio Full definition →	0.00	0.00	0.00	7.39	1.12	0.00	0.00	2.87	2.09	12.04
P/Operating CF Full definition →	(4.82)	(4.82)	(4.82)	4.48	(1.72)	(3.36)	18.46	3.78	3.44	10.59
P/B ratio Full definition →	0.70	0.70	0.70	0.60	0.61	0.99	0.70	0.72	1.33	0.98
Price to Tangible BV Full definition →	0.70	0.70	0.70	0.60	0.61	1.02	0.72	0.74	1.41	1.03
EV/Sales Full definition →	0.00	0.00	0.00	0.06	(1.17)	0.60	1.18	0.58	1.04	(0.19)
EV/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EV/Operating CF Full definition →	0.00	0.00	0.00	0.26	(0.72)	(0.53)	(4.79)	1.47	1.12	(1.30)
EV/FCF Full definition →	0.00	0.00	0.00	0.26	(0.73)	(0.53)	(4.71)	1.47	1.20	(1.33)
Quick Ratio Full definition →	—	—	—	0.10	0.16	0.14	0.03	0.04	0.05	0.12
Current Ratio Full definition →	—	—	—	1.21	1.21	1.22	1.12	1.09	1.05	1.14
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	3.40%	2.49%	2.38%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Debt/Equity Full definition →	0.31	0.21	0.19	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Asset Turnover Full definition →	0.02	0.03	0.03	0.05	0.05	0.04	0.05	0.06	0.06	0.06
Operating CF/Net income Full definition →	3.60	1.38	1.93	1.10	8.10	(5.21)	(1.51)	2.30	7.04	1.56
Capex/Depreciation Full definition →	—	—	—	(0.34)	(0.21)	(0.01)	(0.30)	(0.20)	(7.05)	(0.31)
ROE Full definition →	3.66%	10.46%	8.45%	8.24%	6.92%	7.29%	6.27%	11.06%	9.94%	6.03%
ROA Full definition →	0.36%	1.03%	0.89%	0.99%	0.92%	0.98%	0.76%	1.08%	0.85%	0.53%
ROIC Full definition →	0.00%	0.00%	0.00%	17.21%	0.00%	31.76%	7.76%	14.71%	19.69%	0.00%
Return on Tangible Assets Full definition →	156.72%	215.89%	198.41%	5.93%	5.05%	4.75%	6.58%	11.69%	16.28%	4.02%
Average Days of Receivables Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	0.00%	0.00%	0.00%	29.55%	31.84%	36.51%	37.61%	21.43%	19.31%	27.34%
Intangible Assets out of Total Assets Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.00
Share Based Compensation of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.11%	0.38%	0.12%	0.03%
Graham Net Nets Full definition →	1.12	1.12	1.12	1.30	1.43	0.89	0.68	0.58	0.04	0.71
Graham Number Full definition →	0.00	0.00	0.00	11.19	11.29	14.41	11.68	16.67	16.72	13.29
Earnings Yield Full definition →	12.65%	12.65%	12.65%	12.65%	11.43%	6.33%	8.79%	15.16%	7.33%	5.48%
Free Cash Flow Yield Full definition →	0.00%	0.00%	0.00%	13.54%	89.06%	(32.97%)	(13.56%)	34.80%	47.94%	8.30%
Revenue per Share Full definition →	1.15	1.63	1.87	3.15	3.03	3.46	3.75	6.71	8.33	6.89
Operating CF per Share Full definition →	0.65	0.89	1.11	0.70	4.92	(3.96)	(0.92)	2.67	7.72	1.01
Capex per Share Full definition →	0.00	0.00	0.00	(0.01)	(0.01)	0.00	(0.02)	(0.01)	(0.53)	(0.02)
Free Cash Flow per Share Full definition →	0.65	0.89	1.11	0.70	4.91	(3.96)	(0.94)	2.66	7.19	0.99
Cash per Share Full definition →	0.00	0.00	0.00	4.96	9.07	9.93	2.51	3.73	6.37	13.18
Shareholders Equity per Share Full definition →	5.38	7.77	8.09	8.55	8.99	12.14	9.93	10.64	11.30	12.07
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	5.38	7.77	8.09	8.55	8.99	12.14	9.93	10.64	11.30	12.07
Free Cash Flow Full definition →	16.84	18.50	23.41	14.70	103.66	(86.15)	(25.81)	69.95	186.71	31.05
Working Capital Full definition →	—	—	—	222.18	246.49	338.88	247.59	253.88	157.37	488.10
Capital Expenditures Full definition →	—	(1.74)	(0.76)	(0.18)	(0.18)	(0.01)	(0.45)	(0.27)	(13.65)	(0.68)
Net Current Asset Value Full definition →	(1,133.58)	(1,175.97)	(1,210.69)	141.61	166.60	231.90	128.88	117.29	16.23	265.78
EV/EBIT Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capex to Sales Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.06	0.00
Price to Operating Income Full definition →	0.00	0.00	0.00	5.19	5.85	10.67	7.53	4.70	9.68	12.63
Other line items
Depreciation/Fixed assets Full definition →	0.00	0.00	0.00	0.09	0.11	0.14	0.19	0.18	0.11	0.13
Cash ROIC Full definition →	9.25%	9.47%	11.48%	5.15%	27.17%	(17.94%)	(7.57%)	18.52%	40.70%	3.90%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →	—	—	—	0.02	0.02	0.02	0.02	0.04	0.05	0.04
Inventory Turnover Full definition →	—	—	—	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	—	—	—	14,850.00	17,897.46	23,061.63	19,341.62	9,975.62	8,277.37	9,883.55
Days of Inventory on Hand Full definition →	—	—	—	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Payables Full definition →	—	—	—	1,109.70	1,109.70	1,319.98	1,768.98	2,341.87	2,832.36	3,257.63
Average Assets Full definition →	1,304.43	1,304.43	1,359.06	1,362.12	1,394.69	1,683.39	2,228.71	2,825.89	3,334.95	3,850.75
Average Common Equity Full definition →	127.96	127.96	143.43	164.40	185.30	227.02	268.25	276.00	286.46	336.78

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