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VersaBank (VBNK)

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  • 25.000
  • +0.560+2.29%
15min DelayMarket Closed Apr 24 16:00 ET
801.74MMarket Cap25.77P/E (TTM)

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

VersaBank (VBNK) Cash Flow

Quarterly+Annual
YOY yoy
Hide blank lines yoy
(Q1)Jan 31, 2026
(FY)Oct 31, 2025
(Q4)Oct 31, 2025
(Q3)Jul 31, 2025
(Q2)Apr 30, 2025
(Q1)Jan 31, 2025
(FY)Oct 31, 2024
(Q4)Oct 31, 2024
(Q3)Jul 31, 2024
(Q2)Apr 30, 2024
Operating cash flow (Indirect Method)
Cash flow from continuing operating activities
162.47%55.64M
-83.70%44.45M
-67.79%49.38M
111.22%183.57M
-296.43%-99.44M
-391.70%-89.06M
187.92%272.71M
415.41%153.28M
664.39%86.91M
160.51%50.62M
Net income from continuing operations
35.93%11.07M
-28.40%28.46M
-5.66%5.2M
-32.18%6.58M
-27.89%8.53M
-35.88%8.14M
-5.73%39.75M
-55.80%5.52M
-2.98%9.71M
15.25%11.83M
Operating gains losses
-213.58%-4.87M
296.22%3.06M
-88.32%784K
106.19%997K
-150.33%-3.01M
130.50%4.29M
-114.85%-1.56M
-39.93%6.71M
-4,964.65%-16.1M
151.20%5.97M
Depreciation and amortization
26.21%939K
17.73%3.1M
7.13%902K
24.06%727K
15.19%728K
29.62%744K
47.73%2.63M
93.56%842K
35.96%586K
40.44%632K
Finance costs and discount amortization
25.48%-231K
59.79%-150K
207.19%298K
-110.26%-82K
-307.41%-56K
-273.49%-310K
-140.65%-373K
-858.62%-278K
-109.58%-39K
--27K
Asset impairment expenditure
----
--0
----
----
----
----
--415K
----
----
----
Provision for loans, leases and other losses
-31.64%700K
1,746.64%4.41M
945.51%1.32M
118,200.00%1.18M
5,456.25%889K
906.30%1.02M
-144.01%-268K
15.22%-156K
-100.58%-1K
-93.25%16K
Remuneration paid in stock
--0
-76.72%81K
-91.67%6K
--0
--0
-43.18%75K
-61.38%348K
-58.62%72K
-62.50%72K
-62.50%72K
Deferred tax
41.81%4.2M
-13.36%13.04M
83.52%4.7M
-42.23%2.17M
-28.33%3.21M
-30.41%2.96M
-2.83%15.05M
-42.30%2.56M
-1.26%3.76M
29.29%4.47M
Other non cashItems
-31.71%-33.88M
-13.16%-116.17M
-31.05%-32.63M
-19.38%-29.78M
-6.82%-28.03M
3.18%-25.72M
-2.60%-102.66M
5.10%-24.9M
-0.06%-24.94M
-6.64%-26.24M
Change in working capital
141.95%43.73M
-92.80%16.55M
-71.22%38.94M
92.51%182.32M
-437.10%-100.47M
-248.06%-104.24M
1,747.78%229.86M
1,754.67%135.3M
1,651.81%94.71M
74.36%29.8M
-Change in loans
-137.54%-265.55M
-169.55%-829.79M
-152.44%-287.5M
-762.08%-253.07M
-430.42%-177.42M
14.76%-111.79M
63.80%-307.84M
38.70%-113.89M
87.81%-29.36M
81.68%-33.45M
-Change in other working capital
3,994.77%309.28M
57.40%846.34M
31.00%326.45M
250.94%435.39M
21.65%76.95M
-92.54%7.55M
-37.68%537.71M
40.31%249.19M
-47.13%124.06M
-68.33%63.25M
Interest paid (cash flow from operating activities)
13.62%-41.23M
-11.49%-186.92M
-8.07%-41.49M
-6.11%-50.02M
-11.09%-47.68M
-21.74%-47.73M
-78.77%-167.66M
-53.58%-38.4M
-67.72%-47.14M
-69.51%-42.92M
Interest received (cash flow from operating activities)
4.47%79.05M
5.97%293.42M
8.81%75.89M
1.28%71.44M
0.64%70.42M
13.56%75.67M
25.41%276.88M
10.10%69.75M
21.24%70.54M
34.86%69.97M
Tax refund paid
3.03%-3.84M
26.83%-14.43M
-9.44%-4.54M
53.65%-1.96M
-31.88%-3.96M
52.45%-3.96M
-23.62%-19.72M
-55.18%-4.15M
-40.41%-4.23M
-17.66%-3.01M
Cash from discontinued operating activities
Operating cash flow
162.47%55.64M
-83.70%44.45M
-67.79%49.38M
111.22%183.57M
-296.43%-99.44M
-391.70%-89.06M
187.92%272.71M
415.41%153.28M
664.39%86.91M
160.51%50.62M
Investing cash flow
Cash flow from continuing investing activities
-108.69%-11.76M
234.70%212.26M
150.27%76.93M
-10.81%-57.56M
100.13%57.6M
626.87%135.29M
-460.00%-157.58M
-1,165.31%-153.03M
63.91%-51.95M
205.37%28.78M
Net PPE purchase and sale
88.29%-170K
94.86%-954K
-381.55%-290K
102.45%57K
308.26%731K
90.93%-1.45M
-5,032.04%-18.58M
958.33%103K
-19,300.00%-2.33M
-12.14%-351K
Net business purchase and sale
--1.04M
--0
----
----
----
--0
---12.12M
----
----
----
Net investment purchase and sale
-114.72%-20.12M
268.03%213.21M
154.76%77.22M
-7.54%-53.36M
80.58%52.61M
295.03%136.74M
-356.80%-126.89M
-1,080.87%-141.02M
65.52%-49.62M
199.16%29.14M
Net other investing changes
--7.5M
----
----
----
----
----
----
----
----
----
Cash from discontinued investing activities
Investing cash flow
-108.69%-11.76M
234.70%212.26M
150.27%76.93M
-10.81%-57.56M
100.13%57.6M
626.87%135.29M
-460.00%-157.58M
-1,165.31%-153.03M
63.91%-51.95M
205.37%28.78M
Financing cash flow
Cash flow from continuing financing activities
-99.15%967K
537.35%102.04M
72.62%-4.14M
-494.36%-6.43M
78.94%-1.28M
10,703.63%113.88M
-34.77%-23.33M
-1,811.39%-15.1M
40.11%-1.08M
-14.44%-6.08M
Net issuance payments of debt
-11.48%-204K
93.60%-367K
-1.54%-198K
-13.59%-209K
104.31%223K
-3.39%-183K
-719.43%-5.74M
-12.72%-195K
-4.55%-184K
-2,860.00%-5.18M
Net commonstock issuance
-98.29%1.97M
17,304.45%105.65M
-616.47%-3.14M
---5.41M
---690K
--114.88M
104.66%607K
116.79%607K
--0
--0
Net preferred stock issuance
----
--0
----
----
----
----
---14.62M
----
----
----
Cash dividends paid
1.72%-799K
9.84%-3.24M
10.59%-802K
10.03%-807K
9.36%-813K
9.36%-813K
0.33%-3.59M
0.00%-897K
-0.22%-897K
0.11%-897K
Cash from discontinued financing activities
Financing cash flow
-99.15%967K
537.35%102.04M
72.62%-4.14M
-494.36%-6.43M
78.94%-1.28M
10,703.63%113.88M
-34.77%-23.33M
-1,811.39%-15.1M
40.11%-1.08M
-14.44%-6.08M
Net cash flow
Beginning cash position
158.25%581.71M
70.33%225.25M
85.62%460.31M
71.11%340.19M
203.27%386.69M
70.33%225.25M
49.29%132.24M
182.68%247.98M
-11.11%198.81M
-36.68%127.51M
Current changes in cash
-71.99%44.85M
290.84%358.75M
922.78%122.18M
252.94%119.59M
-158.80%-43.12M
27,944.52%160.11M
86.32%91.79M
-134.28%-14.85M
125.22%33.88M
211.40%73.33M
Effect of exchange rate changes
8.55%1.45M
-287.89%-2.3M
90.14%-777K
-96.46%541K
-66.98%-3.39M
132.06%1.33M
121.81%1.22M
-756.12%-7.88M
1,077.12%15.29M
-61.27%-2.03M
End cash position
62.40%628M
158.25%581.71M
158.25%581.71M
85.62%460.31M
71.11%340.19M
203.27%386.69M
70.33%225.25M
70.33%225.25M
182.68%247.98M
-11.11%198.81M
Free cash from
161.28%55.47M
-82.88%43.5M
-68.00%49.09M
117.10%183.63M
-296.34%-98.71M
-165.32%-90.51M
169.33%254.13M
415.96%153.39M
644.70%84.58M
162.93%50.27M
Accounting Standards
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
Audit Opinions
--
Unqualified Opinion
--
--
--
--
Unqualified Opinion
--
--
--
(Q1)Jan 31, 2026(FY)Oct 31, 2025(Q4)Oct 31, 2025(Q3)Jul 31, 2025(Q2)Apr 30, 2025(Q1)Jan 31, 2025(FY)Oct 31, 2024(Q4)Oct 31, 2024(Q3)Jul 31, 2024(Q2)Apr 30, 2024
Operating cash flow (Indirect Method)
Cash flow from continuing operating activities 162.47%55.64M-83.70%44.45M-67.79%49.38M111.22%183.57M-296.43%-99.44M-391.70%-89.06M187.92%272.71M415.41%153.28M664.39%86.91M160.51%50.62M
Net income from continuing operations 35.93%11.07M-28.40%28.46M-5.66%5.2M-32.18%6.58M-27.89%8.53M-35.88%8.14M-5.73%39.75M-55.80%5.52M-2.98%9.71M15.25%11.83M
Operating gains losses -213.58%-4.87M296.22%3.06M-88.32%784K106.19%997K-150.33%-3.01M130.50%4.29M-114.85%-1.56M-39.93%6.71M-4,964.65%-16.1M151.20%5.97M
Depreciation and amortization 26.21%939K17.73%3.1M7.13%902K24.06%727K15.19%728K29.62%744K47.73%2.63M93.56%842K35.96%586K40.44%632K
Finance costs and discount amortization 25.48%-231K59.79%-150K207.19%298K-110.26%-82K-307.41%-56K-273.49%-310K-140.65%-373K-858.62%-278K-109.58%-39K--27K
Asset impairment expenditure ------0------------------415K------------
Provision for loans, leases and other losses -31.64%700K1,746.64%4.41M945.51%1.32M118,200.00%1.18M5,456.25%889K906.30%1.02M-144.01%-268K15.22%-156K-100.58%-1K-93.25%16K
Remuneration paid in stock --0-76.72%81K-91.67%6K--0--0-43.18%75K-61.38%348K-58.62%72K-62.50%72K-62.50%72K
Deferred tax 41.81%4.2M-13.36%13.04M83.52%4.7M-42.23%2.17M-28.33%3.21M-30.41%2.96M-2.83%15.05M-42.30%2.56M-1.26%3.76M29.29%4.47M
Other non cashItems -31.71%-33.88M-13.16%-116.17M-31.05%-32.63M-19.38%-29.78M-6.82%-28.03M3.18%-25.72M-2.60%-102.66M5.10%-24.9M-0.06%-24.94M-6.64%-26.24M
Change in working capital 141.95%43.73M-92.80%16.55M-71.22%38.94M92.51%182.32M-437.10%-100.47M-248.06%-104.24M1,747.78%229.86M1,754.67%135.3M1,651.81%94.71M74.36%29.8M
-Change in loans -137.54%-265.55M-169.55%-829.79M-152.44%-287.5M-762.08%-253.07M-430.42%-177.42M14.76%-111.79M63.80%-307.84M38.70%-113.89M87.81%-29.36M81.68%-33.45M
-Change in other working capital 3,994.77%309.28M57.40%846.34M31.00%326.45M250.94%435.39M21.65%76.95M-92.54%7.55M-37.68%537.71M40.31%249.19M-47.13%124.06M-68.33%63.25M
Interest paid (cash flow from operating activities) 13.62%-41.23M-11.49%-186.92M-8.07%-41.49M-6.11%-50.02M-11.09%-47.68M-21.74%-47.73M-78.77%-167.66M-53.58%-38.4M-67.72%-47.14M-69.51%-42.92M
Interest received (cash flow from operating activities) 4.47%79.05M5.97%293.42M8.81%75.89M1.28%71.44M0.64%70.42M13.56%75.67M25.41%276.88M10.10%69.75M21.24%70.54M34.86%69.97M
Tax refund paid 3.03%-3.84M26.83%-14.43M-9.44%-4.54M53.65%-1.96M-31.88%-3.96M52.45%-3.96M-23.62%-19.72M-55.18%-4.15M-40.41%-4.23M-17.66%-3.01M
Cash from discontinued operating activities
Operating cash flow 162.47%55.64M-83.70%44.45M-67.79%49.38M111.22%183.57M-296.43%-99.44M-391.70%-89.06M187.92%272.71M415.41%153.28M664.39%86.91M160.51%50.62M
Investing cash flow
Cash flow from continuing investing activities -108.69%-11.76M234.70%212.26M150.27%76.93M-10.81%-57.56M100.13%57.6M626.87%135.29M-460.00%-157.58M-1,165.31%-153.03M63.91%-51.95M205.37%28.78M
Net PPE purchase and sale 88.29%-170K94.86%-954K-381.55%-290K102.45%57K308.26%731K90.93%-1.45M-5,032.04%-18.58M958.33%103K-19,300.00%-2.33M-12.14%-351K
Net business purchase and sale --1.04M--0--------------0---12.12M------------
Net investment purchase and sale -114.72%-20.12M268.03%213.21M154.76%77.22M-7.54%-53.36M80.58%52.61M295.03%136.74M-356.80%-126.89M-1,080.87%-141.02M65.52%-49.62M199.16%29.14M
Net other investing changes --7.5M------------------------------------
Cash from discontinued investing activities
Investing cash flow -108.69%-11.76M234.70%212.26M150.27%76.93M-10.81%-57.56M100.13%57.6M626.87%135.29M-460.00%-157.58M-1,165.31%-153.03M63.91%-51.95M205.37%28.78M
Financing cash flow
Cash flow from continuing financing activities -99.15%967K537.35%102.04M72.62%-4.14M-494.36%-6.43M78.94%-1.28M10,703.63%113.88M-34.77%-23.33M-1,811.39%-15.1M40.11%-1.08M-14.44%-6.08M
Net issuance payments of debt -11.48%-204K93.60%-367K-1.54%-198K-13.59%-209K104.31%223K-3.39%-183K-719.43%-5.74M-12.72%-195K-4.55%-184K-2,860.00%-5.18M
Net commonstock issuance -98.29%1.97M17,304.45%105.65M-616.47%-3.14M---5.41M---690K--114.88M104.66%607K116.79%607K--0--0
Net preferred stock issuance ------0-------------------14.62M------------
Cash dividends paid 1.72%-799K9.84%-3.24M10.59%-802K10.03%-807K9.36%-813K9.36%-813K0.33%-3.59M0.00%-897K-0.22%-897K0.11%-897K
Cash from discontinued financing activities
Financing cash flow -99.15%967K537.35%102.04M72.62%-4.14M-494.36%-6.43M78.94%-1.28M10,703.63%113.88M-34.77%-23.33M-1,811.39%-15.1M40.11%-1.08M-14.44%-6.08M
Net cash flow
Beginning cash position 158.25%581.71M70.33%225.25M85.62%460.31M71.11%340.19M203.27%386.69M70.33%225.25M49.29%132.24M182.68%247.98M-11.11%198.81M-36.68%127.51M
Current changes in cash -71.99%44.85M290.84%358.75M922.78%122.18M252.94%119.59M-158.80%-43.12M27,944.52%160.11M86.32%91.79M-134.28%-14.85M125.22%33.88M211.40%73.33M
Effect of exchange rate changes 8.55%1.45M-287.89%-2.3M90.14%-777K-96.46%541K-66.98%-3.39M132.06%1.33M121.81%1.22M-756.12%-7.88M1,077.12%15.29M-61.27%-2.03M
End cash position 62.40%628M158.25%581.71M158.25%581.71M85.62%460.31M71.11%340.19M203.27%386.69M70.33%225.25M70.33%225.25M182.68%247.98M-11.11%198.81M
Free cash from 161.28%55.47M-82.88%43.5M-68.00%49.09M117.10%183.63M-296.34%-98.71M-165.32%-90.51M169.33%254.13M415.96%153.39M644.70%84.58M162.93%50.27M
Accounting Standards US-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAP
Audit Opinions --Unqualified Opinion--------Unqualified Opinion------

FY: Financial Year. Refers to the 10-K file disclosed by the listed company to the SEC.

Q: Quarter. Refers to the 10-Q file disclosed by the listed company to the SEC. Q1, Q2, Q3, and Q4 are quarterly reports each with a span of 3 months; Q6 and Q9 are cumulative reports, with Q6 including 6 months and Q9 9 months.

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