US Stock MarketDetailed Quotes

VBNK VersaBank

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  • 16.000
  • +0.520+3.36%
Close Nov 6 16:00 ET
415.43MMarket Cap12.68P/E (TTM)

VersaBank Key Stats

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

Quarterly+Annual
YOY yoy
Hide blank lines yoy
(Q3)Jul 31, 2024
(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
Total revenue
0.51%27M
6.81%28.5M
11.32%28.85M
31.85%108.64M
20.29%29.17M
26.46%26.86M
43.20%26.69M
41.89%25.92M
26.06%82.39M
32.99%24.25M
Net interest income
0.06%24.94M
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
-Net interest income
19.23%71.65M
32.93%71.24M
39.81%69.29M
80.84%229.33M
57.09%66.09M
75.82%60.09M
107.35%53.6M
100.49%49.56M
41.71%126.82M
75.86%42.07M
-Interest income from loans and lease
18.52%66.61M
30.36%66.1M
38.89%65.08M
75.08%215.69M
54.65%61.92M
69.47%56.21M
99.06%50.7M
91.14%46.86M
39.90%123.19M
69.73%40.04M
-Other interest income
29.59%5.03M
78.04%5.15M
55.80%4.22M
276.29%13.65M
105.02%4.17M
283.70%3.88M
668.88%2.89M
1,213.59%2.71M
153.11%3.63M
508.68%2.03M
-Total interest expense
32.83%46.7M
55.25%45M
68.96%42.72M
157.79%129.28M
103.37%39.85M
149.10%35.16M
236.81%28.99M
222.74%25.29M
70.98%50.15M
151.93%19.6M
-Interest expense for deposit
34.49%45.36M
57.87%43.47M
73.11%41.27M
176.89%123.49M
111.35%38.39M
164.99%33.73M
280.36%27.53M
268.54%23.84M
68.65%44.6M
180.37%18.17M
-Interest expense for long term debt and capital securities
-6.27%1.35M
5.51%1.53M
0.48%1.45M
4.34%5.79M
2.03%1.46M
3.39%1.44M
6.22%1.45M
5.86%1.45M
92.41%5.55M
10.08%1.43M
Non interest income
6.32%2.05M
8.82%2.26M
38.87%2.28M
49.91%8.58M
65.30%2.93M
63.98%1.93M
49.03%2.08M
19.04%1.64M
10.12%5.73M
-15.07%1.78M
-Other non interest income
6.32%2.05M
8.82%2.26M
38.87%2.28M
49.91%8.58M
65.30%2.93M
63.98%1.93M
49.03%2.08M
19.04%1.64M
10.12%5.73M
-15.07%1.78M
Credit losses provision
100.58%1K
93.25%-16K
132.99%127K
-35.03%-609K
189.76%184K
-3.01%-171K
-203.85%-237K
-19,150.00%-385K
-202.97%-451K
-173.48%-205K
Non interest expense
5.09%13.53M
-4.25%12.19M
-2.52%12.02M
2.00%50.38M
-9.68%12.44M
-2.55%12.88M
8.15%12.73M
15.97%12.34M
41.10%49.39M
32.74%13.77M
Occupancy and equipment
21.84%1.19M
24.26%1.22M
21.11%1.15M
0.96%3.9M
0.41%989K
5.49%980K
-4.01%981K
2.48%952K
5.80%3.87M
-1.10%985K
Selling and administrative expenses
3.71%12.34M
-6.63%10.97M
-4.50%10.87M
2.09%46.48M
-10.45%11.45M
-3.16%11.9M
9.31%11.75M
17.27%11.38M
45.21%45.53M
36.33%12.79M
-General and administrative expense
3.71%12.34M
-6.63%10.97M
-4.50%10.87M
2.09%46.48M
-10.45%11.45M
-3.16%11.9M
9.31%11.75M
17.27%11.38M
45.21%45.53M
36.33%12.79M
Income from associates and other participating interests
Special income (charges)
Other non-operating income (expenses)
Income before tax
-2.51%13.46M
18.79%16.3M
28.46%16.95M
77.11%57.65M
64.66%16.92M
75.75%13.81M
102.09%13.72M
73.02%13.2M
5.71%32.55M
26.23%10.27M
Income tax
-1.26%3.76M
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
Earnings from equity interest net of tax
Net income
-2.98%9.71M
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
Net Income continuous operations
-2.98%9.71M
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
Minority interest income
Net income attributable to the parent company
-2.98%9.71M
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
Preferred stock dividends
0.00%247K
0.00%247K
0.00%247K
0.00%988K
0.00%247K
0.00%247K
247K
0.00%247K
-37.39%988K
0.00%247K
Other preferred stock dividend
Net income attributable to common stockholders
-3.05%9.46M
15.63%11.58M
35.79%12.45M
90.00%41.17M
97.86%12.23M
78.26%9.76M
102.63%10.02M
72.40%9.17M
4.17%21.67M
9.16%6.18M
Basic earnings per share
-5.26%0.36
18.42%0.45
41.18%0.48
98.73%1.57
104.35%0.47
90.00%0.38
123.53%0.38
78.95%0.34
-17.71%0.79
-4.17%0.23
Diluted earnings per share
-5.26%0.36
18.42%0.45
41.18%0.48
98.73%1.57
104.35%0.47
90.00%0.38
123.53%0.38
78.95%0.34
-17.71%0.79
-4.17%0.23
Dividend per share
0.00%0.025
0.00%0.025
0.00%0.025
0.00%0.1
0.00%0.025
0.00%0.025
0.00%0.025
0.00%0.025
0.00%0.1
0.00%0.025
Currency Unit
CAD
CAD
CAD
CAD
CAD
CAD
CAD
CAD
CAD
CAD
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
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Unqualified Opinion
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(Q3)Jul 31, 2024(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
Total revenue 0.51%27M6.81%28.5M11.32%28.85M31.85%108.64M20.29%29.17M26.46%26.86M43.20%26.69M41.89%25.92M26.06%82.39M32.99%24.25M
Net interest income 0.06%24.94M6.64%26.24M9.45%26.57M30.50%100.05M16.74%26.24M24.26%24.93M42.73%24.61M43.76%24.27M27.44%76.67M39.21%22.48M
-Net interest income 19.23%71.65M32.93%71.24M39.81%69.29M80.84%229.33M57.09%66.09M75.82%60.09M107.35%53.6M100.49%49.56M41.71%126.82M75.86%42.07M
-Interest income from loans and lease 18.52%66.61M30.36%66.1M38.89%65.08M75.08%215.69M54.65%61.92M69.47%56.21M99.06%50.7M91.14%46.86M39.90%123.19M69.73%40.04M
-Other interest income 29.59%5.03M78.04%5.15M55.80%4.22M276.29%13.65M105.02%4.17M283.70%3.88M668.88%2.89M1,213.59%2.71M153.11%3.63M508.68%2.03M
-Total interest expense 32.83%46.7M55.25%45M68.96%42.72M157.79%129.28M103.37%39.85M149.10%35.16M236.81%28.99M222.74%25.29M70.98%50.15M151.93%19.6M
-Interest expense for deposit 34.49%45.36M57.87%43.47M73.11%41.27M176.89%123.49M111.35%38.39M164.99%33.73M280.36%27.53M268.54%23.84M68.65%44.6M180.37%18.17M
-Interest expense for long term debt and capital securities -6.27%1.35M5.51%1.53M0.48%1.45M4.34%5.79M2.03%1.46M3.39%1.44M6.22%1.45M5.86%1.45M92.41%5.55M10.08%1.43M
Non interest income 6.32%2.05M8.82%2.26M38.87%2.28M49.91%8.58M65.30%2.93M63.98%1.93M49.03%2.08M19.04%1.64M10.12%5.73M-15.07%1.78M
-Other non interest income 6.32%2.05M8.82%2.26M38.87%2.28M49.91%8.58M65.30%2.93M63.98%1.93M49.03%2.08M19.04%1.64M10.12%5.73M-15.07%1.78M
Credit losses provision 100.58%1K93.25%-16K132.99%127K-35.03%-609K189.76%184K-3.01%-171K-203.85%-237K-19,150.00%-385K-202.97%-451K-173.48%-205K
Non interest expense 5.09%13.53M-4.25%12.19M-2.52%12.02M2.00%50.38M-9.68%12.44M-2.55%12.88M8.15%12.73M15.97%12.34M41.10%49.39M32.74%13.77M
Occupancy and equipment 21.84%1.19M24.26%1.22M21.11%1.15M0.96%3.9M0.41%989K5.49%980K-4.01%981K2.48%952K5.80%3.87M-1.10%985K
Selling and administrative expenses 3.71%12.34M-6.63%10.97M-4.50%10.87M2.09%46.48M-10.45%11.45M-3.16%11.9M9.31%11.75M17.27%11.38M45.21%45.53M36.33%12.79M
-General and administrative expense 3.71%12.34M-6.63%10.97M-4.50%10.87M2.09%46.48M-10.45%11.45M-3.16%11.9M9.31%11.75M17.27%11.38M45.21%45.53M36.33%12.79M
Income from associates and other participating interests
Special income (charges)
Other non-operating income (expenses)
Income before tax -2.51%13.46M18.79%16.3M28.46%16.95M77.11%57.65M64.66%16.92M75.75%13.81M102.09%13.72M73.02%13.2M5.71%32.55M26.23%10.27M
Income tax -1.26%3.76M29.29%4.47M12.54%4.26M56.55%15.48M15.43%4.44M78.10%3.81M87.28%3.46M83.37%3.78M17.61%9.89M72.53%3.84M
Earnings from equity interest net of tax
Net income -2.98%9.71M15.25%11.83M34.85%12.7M86.08%42.16M94.10%12.48M74.88%10M107.63%10.26M69.19%9.42M1.24%22.66M8.78%6.43M
Net Income continuous operations -2.98%9.71M15.25%11.83M34.85%12.7M86.08%42.16M94.10%12.48M74.88%10M107.63%10.26M69.19%9.42M1.24%22.66M8.78%6.43M
Minority interest income
Net income attributable to the parent company -2.98%9.71M15.25%11.83M34.85%12.7M86.08%42.16M94.10%12.48M74.88%10M107.63%10.26M69.19%9.42M1.24%22.66M8.78%6.43M
Preferred stock dividends 0.00%247K0.00%247K0.00%247K0.00%988K0.00%247K0.00%247K247K0.00%247K-37.39%988K0.00%247K
Other preferred stock dividend
Net income attributable to common stockholders -3.05%9.46M15.63%11.58M35.79%12.45M90.00%41.17M97.86%12.23M78.26%9.76M102.63%10.02M72.40%9.17M4.17%21.67M9.16%6.18M
Basic earnings per share -5.26%0.3618.42%0.4541.18%0.4898.73%1.57104.35%0.4790.00%0.38123.53%0.3878.95%0.34-17.71%0.79-4.17%0.23
Diluted earnings per share -5.26%0.3618.42%0.4541.18%0.4898.73%1.57104.35%0.4790.00%0.38123.53%0.3878.95%0.34-17.71%0.79-4.17%0.23
Dividend per share 0.00%0.0250.00%0.0250.00%0.0250.00%0.10.00%0.0250.00%0.0250.00%0.0250.00%0.0250.00%0.10.00%0.025
Currency Unit CADCADCADCADCADCADCADCADCADCAD
Accounting Standards US-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAP
Audit Opinions ------Unqualified Opinion--------Unqualified Opinion--

Analysis

Analyst Rating

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Price Target

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