CA Stock MarketDetailed Quotes

VBNK VersaBank

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  • 14.730
  • +0.120+0.82%
15min DelayMarket Closed Jun 28 16:00 ET
382.46MMarket Cap8.28P/E (TTM)

VersaBank Key Stats

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

Quarterly+Annual
YOY yoy
Hide blank lines yoy
(Q2)Apr 30, 2024
(Q1)Jan 31, 2024
(FY)Oct 31, 2023
(Q4)Oct 31, 2023
(Q3)Jul 31, 2023
(Q2)Apr 30, 2023
(Q1)Jan 31, 2023
(FY)Oct 31, 2022
(Q4)Oct 31, 2022
(Q3)Jul 31, 2022
Operating cash flow (Indirect Method)
Cash flow from continuing operating activities
160.51%50.62M
-153.00%-18.11M
390.06%94.72M
-50.98%71.9M
71.31%-30.79M
-52.41%19.43M
130.28%34.17M
69.85%-32.65M
249.55%146.67M
-501.84%-107.3M
Net income from continuing operations
15.25%11.83M
34.85%12.7M
86.08%42.16M
94.10%12.48M
74.88%10M
107.63%10.26M
69.19%9.42M
1.24%22.66M
8.78%6.43M
5.22%5.72M
Operating gains losses
151.20%5.97M
-82.57%1.86M
10.74%10.51M
80.58%11.17M
-76.56%331K
-2,051.48%-11.66M
338.81%10.66M
1,176.99%9.49M
1,350.10%6.19M
--1.41M
Depreciation and amortization
40.44%632K
22.91%574K
-8.00%1.78M
-14.20%435K
-5.90%431K
-6.83%450K
-4.69%467K
12.09%1.94M
11.18%507K
1.33%458K
Finance costs and discount amortization
--27K
84.43%-83K
70.92%-155K
89.57%-29K
259.61%407K
--0
---533K
---533K
---278K
---255K
Provision for loans, leases and other losses
-93.25%16K
-132.99%-127K
35.03%609K
-189.76%-184K
3.01%171K
203.85%237K
19,150.00%385K
240.06%451K
173.48%205K
72.92%166K
Remuneration paid in stock
-62.50%72K
-61.52%132K
-38.58%901K
-58.87%174K
-54.72%192K
-54.72%192K
75.00%343K
--1.47M
--423K
--424K
Deferred tax
29.29%4.47M
12.54%4.26M
56.55%15.48M
15.43%4.44M
78.10%3.81M
87.28%3.46M
83.37%3.78M
17.61%9.89M
72.53%3.84M
7.01%2.14M
Other non cashItems
-6.64%-26.24M
-9.45%-26.57M
-30.50%-100.05M
-16.74%-26.24M
-24.26%-24.93M
-42.73%-24.61M
-43.76%-24.27M
-27.44%-76.67M
-39.21%-22.48M
-37.96%-20.06M
Change in working capital
74.36%29.8M
-411.09%-29.95M
116.56%12.44M
-73.01%33.98M
60.11%-48.26M
-55.07%17.09M
108.15%9.63M
44.05%-75.13M
220.50%125.89M
-907.44%-120.97M
-Change in loans
81.68%-33.45M
45.63%-131.15M
3.42%-850.39M
-5.63%-185.78M
33.15%-240.78M
21.63%-182.63M
-116.53%-241.22M
-98.45%-880.48M
-17.69%-175.87M
-196.78%-360.18M
-Change in other working capital
-68.33%63.25M
-59.66%101.2M
7.14%862.83M
-27.18%219.75M
-19.52%192.52M
-26.32%199.72M
3,847.84%250.84M
160.30%805.35M
571.27%301.76M
75.45%239.21M
Interest paid (cash flow from operating activities)
-69.51%-42.92M
-155.23%-39.2M
-160.82%-93.79M
-126.47%-25M
-402.79%-28.11M
-155.16%-25.32M
-63.30%-15.36M
-16.74%-35.96M
-45.65%-11.04M
-46.26%-5.59M
Interest received (cash flow from operating activities)
34.86%69.97M
40.67%66.63M
90.30%220.78M
66.50%63.35M
92.08%58.18M
115.40%51.88M
100.76%47.37M
35.86%116.01M
67.43%38.04M
42.24%30.29M
Tax refund paid
-17.66%-3.01M
-8.09%-8.33M
-154.20%-15.95M
-150.47%-2.68M
-193.85%-3.01M
-87.52%-2.55M
-173.40%-7.71M
-352.09%-6.28M
-155.50%-1.07M
-137.82%-1.03M
Cash from discontinued operating activities
Operating cash flow
160.51%50.62M
-153.00%-18.11M
390.06%94.72M
-50.98%71.9M
71.31%-30.79M
-52.41%19.43M
130.28%34.17M
69.85%-32.65M
249.55%146.67M
-501.84%-107.3M
Investing cash flow
Cash flow from continuing investing activities
205.37%28.78M
-79.77%18.61M
80.13%-28.14M
80.27%-27.79M
-18,371.87%-101.78M
5,882.82%9.43M
287,612.50%92M
-1,577.87%-141.61M
-265,884.91%-140.87M
-551K
Net PPE purchase and sale
-12.14%-351K
-63,908.00%-16M
37.69%-362K
-107.27%-12K
97.82%-12K
-92.02%-313K
21.88%-25K
-4,050.00%-581K
211.32%165K
---551K
Net investment purchase and sale
199.16%29.14M
-62.39%34.61M
80.30%-27.78M
----
----
--9.74M
--92.03M
-14,698.64%-141.03M
----
----
Cash from discontinued investing activities
Investing cash flow
205.37%28.78M
-79.77%18.61M
80.13%-28.14M
80.27%-27.79M
-18,371.87%-101.78M
5,882.82%9.43M
287,612.50%92M
-1,577.87%-141.61M
-265,884.91%-140.87M
---551K
Financing cash flow
Cash flow from continuing financing activities
-14.44%-6.08M
88.58%-1.07M
-174.75%-17.31M
73.93%-790K
-89.01%-1.81M
-337.76%-5.31M
-752.86%-9.41M
-104.80%-6.3M
-104.20%-3.03M
-1.92%-955K
Net issuance payments of debt
-2,860.00%-5.18M
-0.57%-177K
-9.03%-700K
0.00%-173K
-738.10%-176K
37.28%-175K
-4.14%-176K
-100.81%-642K
-6.13%-173K
87.04%-21K
Net commonstock issuance
--0
--0
-574.20%-13.01M
114.51%280K
---734K
---4.24M
---8.32M
-102.64%-1.93M
---1.93M
--0
Cash dividends paid
0.11%-897K
1.43%-897K
3.46%-3.6M
3.24%-897K
4.18%-895K
3.85%-898K
2.57%-910K
3.04%-3.73M
0.43%-927K
-20.52%-934K
Cash from discontinued financing activities
Financing cash flow
-14.44%-6.08M
88.58%-1.07M
-174.75%-17.31M
73.93%-790K
-89.01%-1.81M
-337.76%-5.31M
-752.86%-9.41M
-104.80%-6.3M
-104.20%-3.03M
-1.92%-955K
Net cash flow
Beginning cash position
-36.68%127.51M
49.29%132.24M
-67.38%88.58M
4.17%87.73M
12.87%223.66M
29.72%201.37M
-67.38%88.58M
5.39%271.52M
-71.65%84.21M
-27.26%198.16M
Current changes in cash
211.40%73.33M
-100.49%-575K
127.28%49.27M
1,462.03%43.32M
-23.50%-134.37M
-40.32%23.55M
202.43%116.77M
-1,331.87%-180.57M
110.71%2.77M
-522.30%-108.8M
Effect of exchange rate changes
-61.27%-2.03M
-4.47%-4.16M
-135.96%-5.6M
-24.65%1.2M
69.56%-1.57M
-136.45%-1.26M
-74.18%-3.98M
-204.88%-2.38M
290.69%1.59M
-333.11%-5.14M
End cash position
-11.11%198.81M
-36.68%127.51M
49.29%132.24M
49.29%132.24M
4.17%87.73M
12.87%223.66M
29.72%201.37M
-67.38%88.58M
-67.38%88.58M
-71.65%84.21M
Free cash from
162.93%50.27M
-199.90%-34.12M
383.90%94.36M
-51.04%71.88M
71.44%-30.8M
-52.99%19.12M
130.25%34.15M
69.32%-33.24M
249.80%146.83M
-503.91%-107.85M
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
--
--
(Q2)Apr 30, 2024(Q1)Jan 31, 2024(FY)Oct 31, 2023(Q4)Oct 31, 2023(Q3)Jul 31, 2023(Q2)Apr 30, 2023(Q1)Jan 31, 2023(FY)Oct 31, 2022(Q4)Oct 31, 2022(Q3)Jul 31, 2022
Operating cash flow (Indirect Method)
Cash flow from continuing operating activities 160.51%50.62M-153.00%-18.11M390.06%94.72M-50.98%71.9M71.31%-30.79M-52.41%19.43M130.28%34.17M69.85%-32.65M249.55%146.67M-501.84%-107.3M
Net income from continuing operations 15.25%11.83M34.85%12.7M86.08%42.16M94.10%12.48M74.88%10M107.63%10.26M69.19%9.42M1.24%22.66M8.78%6.43M5.22%5.72M
Operating gains losses 151.20%5.97M-82.57%1.86M10.74%10.51M80.58%11.17M-76.56%331K-2,051.48%-11.66M338.81%10.66M1,176.99%9.49M1,350.10%6.19M--1.41M
Depreciation and amortization 40.44%632K22.91%574K-8.00%1.78M-14.20%435K-5.90%431K-6.83%450K-4.69%467K12.09%1.94M11.18%507K1.33%458K
Finance costs and discount amortization --27K84.43%-83K70.92%-155K89.57%-29K259.61%407K--0---533K---533K---278K---255K
Provision for loans, leases and other losses -93.25%16K-132.99%-127K35.03%609K-189.76%-184K3.01%171K203.85%237K19,150.00%385K240.06%451K173.48%205K72.92%166K
Remuneration paid in stock -62.50%72K-61.52%132K-38.58%901K-58.87%174K-54.72%192K-54.72%192K75.00%343K--1.47M--423K--424K
Deferred tax 29.29%4.47M12.54%4.26M56.55%15.48M15.43%4.44M78.10%3.81M87.28%3.46M83.37%3.78M17.61%9.89M72.53%3.84M7.01%2.14M
Other non cashItems -6.64%-26.24M-9.45%-26.57M-30.50%-100.05M-16.74%-26.24M-24.26%-24.93M-42.73%-24.61M-43.76%-24.27M-27.44%-76.67M-39.21%-22.48M-37.96%-20.06M
Change in working capital 74.36%29.8M-411.09%-29.95M116.56%12.44M-73.01%33.98M60.11%-48.26M-55.07%17.09M108.15%9.63M44.05%-75.13M220.50%125.89M-907.44%-120.97M
-Change in loans 81.68%-33.45M45.63%-131.15M3.42%-850.39M-5.63%-185.78M33.15%-240.78M21.63%-182.63M-116.53%-241.22M-98.45%-880.48M-17.69%-175.87M-196.78%-360.18M
-Change in other working capital -68.33%63.25M-59.66%101.2M7.14%862.83M-27.18%219.75M-19.52%192.52M-26.32%199.72M3,847.84%250.84M160.30%805.35M571.27%301.76M75.45%239.21M
Interest paid (cash flow from operating activities) -69.51%-42.92M-155.23%-39.2M-160.82%-93.79M-126.47%-25M-402.79%-28.11M-155.16%-25.32M-63.30%-15.36M-16.74%-35.96M-45.65%-11.04M-46.26%-5.59M
Interest received (cash flow from operating activities) 34.86%69.97M40.67%66.63M90.30%220.78M66.50%63.35M92.08%58.18M115.40%51.88M100.76%47.37M35.86%116.01M67.43%38.04M42.24%30.29M
Tax refund paid -17.66%-3.01M-8.09%-8.33M-154.20%-15.95M-150.47%-2.68M-193.85%-3.01M-87.52%-2.55M-173.40%-7.71M-352.09%-6.28M-155.50%-1.07M-137.82%-1.03M
Cash from discontinued operating activities
Operating cash flow 160.51%50.62M-153.00%-18.11M390.06%94.72M-50.98%71.9M71.31%-30.79M-52.41%19.43M130.28%34.17M69.85%-32.65M249.55%146.67M-501.84%-107.3M
Investing cash flow
Cash flow from continuing investing activities 205.37%28.78M-79.77%18.61M80.13%-28.14M80.27%-27.79M-18,371.87%-101.78M5,882.82%9.43M287,612.50%92M-1,577.87%-141.61M-265,884.91%-140.87M-551K
Net PPE purchase and sale -12.14%-351K-63,908.00%-16M37.69%-362K-107.27%-12K97.82%-12K-92.02%-313K21.88%-25K-4,050.00%-581K211.32%165K---551K
Net investment purchase and sale 199.16%29.14M-62.39%34.61M80.30%-27.78M----------9.74M--92.03M-14,698.64%-141.03M--------
Cash from discontinued investing activities
Investing cash flow 205.37%28.78M-79.77%18.61M80.13%-28.14M80.27%-27.79M-18,371.87%-101.78M5,882.82%9.43M287,612.50%92M-1,577.87%-141.61M-265,884.91%-140.87M---551K
Financing cash flow
Cash flow from continuing financing activities -14.44%-6.08M88.58%-1.07M-174.75%-17.31M73.93%-790K-89.01%-1.81M-337.76%-5.31M-752.86%-9.41M-104.80%-6.3M-104.20%-3.03M-1.92%-955K
Net issuance payments of debt -2,860.00%-5.18M-0.57%-177K-9.03%-700K0.00%-173K-738.10%-176K37.28%-175K-4.14%-176K-100.81%-642K-6.13%-173K87.04%-21K
Net commonstock issuance --0--0-574.20%-13.01M114.51%280K---734K---4.24M---8.32M-102.64%-1.93M---1.93M--0
Cash dividends paid 0.11%-897K1.43%-897K3.46%-3.6M3.24%-897K4.18%-895K3.85%-898K2.57%-910K3.04%-3.73M0.43%-927K-20.52%-934K
Cash from discontinued financing activities
Financing cash flow -14.44%-6.08M88.58%-1.07M-174.75%-17.31M73.93%-790K-89.01%-1.81M-337.76%-5.31M-752.86%-9.41M-104.80%-6.3M-104.20%-3.03M-1.92%-955K
Net cash flow
Beginning cash position -36.68%127.51M49.29%132.24M-67.38%88.58M4.17%87.73M12.87%223.66M29.72%201.37M-67.38%88.58M5.39%271.52M-71.65%84.21M-27.26%198.16M
Current changes in cash 211.40%73.33M-100.49%-575K127.28%49.27M1,462.03%43.32M-23.50%-134.37M-40.32%23.55M202.43%116.77M-1,331.87%-180.57M110.71%2.77M-522.30%-108.8M
Effect of exchange rate changes -61.27%-2.03M-4.47%-4.16M-135.96%-5.6M-24.65%1.2M69.56%-1.57M-136.45%-1.26M-74.18%-3.98M-204.88%-2.38M290.69%1.59M-333.11%-5.14M
End cash position -11.11%198.81M-36.68%127.51M49.29%132.24M49.29%132.24M4.17%87.73M12.87%223.66M29.72%201.37M-67.38%88.58M-67.38%88.58M-71.65%84.21M
Free cash from 162.93%50.27M-199.90%-34.12M383.90%94.36M-51.04%71.88M71.44%-30.8M-52.99%19.12M130.25%34.15M69.32%-33.24M249.80%146.83M-503.91%-107.85M
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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