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VersaBank (VBNK)

Watchlist

24.550
+0.280+1.15%

15min DelayMarket Closed May 1 16:00 ET

789.71MMarket Cap25.31P/E (TTM)

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

VersaBank (VBNK) Balance Sheet

Quarterly+Annual

YOY

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(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

Assets

Cash, cash equivalents and federal funds sold

62.40%628M

158.25%581.71M

85.62%460.31M

71.11%340.19M

203.27%386.69M

70.33%225.25M

182.68%247.98M

-11.11%198.81M

-Cash and cash equivalents

62.40%628M

158.25%581.71M

85.62%460.31M

71.11%340.19M

203.27%386.69M

70.33%225.25M

182.68%247.98M

-11.11%198.81M

Securities and investments

-36.50%101.28M

-72.73%81.88M

4.62%161.09M

0.99%105.76M

19.07%159.5M

77.78%300.25M

-16.27%153.98M

157.90%104.72M

-Available for sale securities

----

-72.96%80.92M

----

78.22%299.3M

-16.35%153.03M

161.70%103.77M

-Short term investments

-36.50%101.28M

0.00%953K

16,803.36%161.09M

10,997.59%105.76M

16,636.52%159.5M

0.00%953K

Derivative assets

--0

-81.18%198K

-99.83%1K

-98.68%20K

-86.58%150K

921.36%1.05M

Net loan

22.73%5.31B

19.66%5.04B

18.07%4.76B

12.65%4.5B

9.14%4.33B

10.04%4.21B

10.56%4.03B

17.46%4B

-Gross loan

22.80%5.32B

19.74%5.05B

18.15%4.76B

12.70%4.51B

9.18%4.33B

10.06%4.22B

10.55%4.03B

17.45%4B

-Allowance for loans and lease losses

87.01%7.92M

120.38%7.28M

151.44%6.04M

106.41%4.96M

77.41%4.23M

31.44%3.3M

-10.98%2.4M

-4.91%2.4M

Receivables

9.17%33.12M

-5.25%30.79M

21.71%33.37M

7.86%29.79M

18.28%30.34M

32.42%32.5M

25.38%27.42M

38.38%27.62M

-Accounts receivable

9.17%33.12M

-5.25%30.79M

21.71%33.37M

7.86%29.79M

18.28%30.34M

32.42%32.5M

25.38%27.42M

38.38%27.62M

Net PPE

-3.43%26.72M

-0.97%26.36M

-1.65%26.7M

-0.32%27.17M

0.85%27.67M

167.18%26.62M

163.85%27.15M

156.91%27.25M

-Gross PPE

-3.43%26.72M

-0.84%39.81M

-1.65%26.7M

-0.32%27.17M

0.85%27.67M

82.92%40.15M

163.85%27.15M

156.91%27.25M

-Accumulated depreciation

----

0.59%-13.45M

----

-12.89%-13.53M

----

Goodwill and other intangible assets

-6.25%22.52M

-6.13%22.86M

180.51%23.14M

181.03%23.46M

184.34%24.02M

185.02%24.36M

-49.42%8.25M

-47.92%8.35M

-Goodwill

0.00%12.3M

113.78%12.3M

0.00%5.75M

-Other intangible assets

-12.81%10.21M

-12.39%10.56M

334.39%10.84M

330.19%11.16M

335.14%11.71M

331.89%12.05M

-76.36%2.5M

-74.75%2.59M

Deferred assets

150.04%3.31M

438.53%4.04M

-27.77%1.63M

-40.97%1.53M

-56.91%1.33M

-81.52%750K

-14.77%2.25M

13.93%2.59M

Other assets

32.59%22.7M

24.18%17.88M

-26.69%15.78M

-20.55%16.82M

-15.22%17.12M

-34.93%14.4M

53.51%21.52M

55.76%21.17M

Total assets

23.62%6.15B

20.05%5.81B

21.28%5.48B

15.01%5.05B

15.36%4.97B

15.16%4.84B

13.45%4.52B

17.67%4.39B

Liabilities

Total deposits

26.99%5.25B

17.28%4.86B

21.10%4.63B

13.85%4.21B

13.60%4.13B

17.30%4.14B

14.82%3.82B

18.83%3.69B

Derivative product liabilities

41.66%1.25M

--416K

--423K

--381K

--881K

--0

----

Payables

-76.67%1.02M

-85.89%126K

--0

-51.61%1.99M

79.35%4.35M

-88.04%893K

-31.32%3.11M

47.93%4.1M

-Total tax payable

-76.67%1.02M

-85.89%126K

--0

-51.61%1.99M

79.35%4.35M

-88.04%893K

-31.32%3.11M

47.93%4.1M

Long term debt and capital lease obligation

-5.20%103.97M

-0.06%108.51M

0.14%105.01M

0.38%104.91M

2.55%109.68M

-1.85%108.58M

-0.62%104.87M

-3.80%104.52M

-Long term debt

-6.24%100.16M

0.99%103.52M

0.50%102.15M

0.73%101.84M

3.36%106.82M

-4.07%102.5M

0.06%101.64M

-3.28%101.11M

-Long term capital lease obligation

33.56%3.81M

-17.77%5M

-11.27%2.87M

-10.08%3.07M

-20.65%2.85M

61.12%6.08M

-18.10%3.23M

-17.14%3.41M

Long term provisions

24.05%235.31M

69.77%290.67M

23.12%199.8M

21.94%192.88M

21.93%189.7M

11.34%171.21M

1.33%162.28M

11.58%158.18M

Non current deferred liabilities

-58.47%49K

-76.60%33K

-78.01%73K

-72.96%96K

-83.36%118K

-80.71%141K

-49.62%332K

-47.87%355K

Other liabilities

0.90%12.39M

10.15%15.19M

6.06%16.62M

-51.43%13.39M

-24.60%12.27M

-25.47%13.79M

-7.38%15.67M

155.46%27.57M

Total liabilities

25.90%5.6B

18.84%5.28B

20.50%4.95B

13.30%4.52B

13.51%4.45B

16.08%4.44B

13.60%4.11B

18.24%3.99B

Shareholders'equity

Share capital

-0.59%328.54M

51.16%325.91M

42.71%326.04M

44.35%329.8M

44.65%330.49M

-5.63%215.61M

0.12%228.47M

-0.18%228.47M

-common stock

-0.59%328.54M

51.16%325.91M

51.77%326.04M

53.52%329.8M

53.84%330.49M

0.37%215.61M

0.13%214.82M

-0.19%214.82M

-Preferred stock

----

--0

0.00%13.65M

Additional paid-in capital

-28.54%1.82M

-0.48%2.47M

-8.93%2.54M

-6.51%2.54M

-3.97%2.54M

-1.11%2.49M

19.24%2.79M

26.55%2.72M

Retained earnings

13.49%214M

12.41%203.73M

12.85%200.41M

16.30%196.28M

19.46%188.57M

24.10%181.24M

32.07%177.58M

34.59%168.78M

Gains losses not affecting retained earnings

-322.19%-1.28M

532.31%562K

-700.71%-847K

-328.06%-317K

-513.70%-302K

-199.24%-130K

171.15%141K

47.87%139K

Total stockholders'equity

4.18%543.08M

33.43%532.67M

29.13%528.14M

32.04%528.31M

34.00%521.3M

5.85%399.2M

12.04%408.99M

12.22%400.1M

Total equity

4.18%543.08M

33.43%532.67M

29.13%528.14M

32.04%528.31M

34.00%521.3M

5.85%399.2M

12.04%408.99M

12.22%400.1M

Accounting Standards

US-GAAP

Audit Opinions

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
Assets
Cash, cash equivalents and federal funds sold	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
-Cash and cash equivalents	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
Securities and investments	-36.50%101.28M	-72.73%81.88M	-72.73%81.88M	4.62%161.09M	0.99%105.76M	19.07%159.5M	77.78%300.25M	77.78%300.25M	-16.27%153.98M	157.90%104.72M
-Available for sale securities	----	-72.96%80.92M	-72.96%80.92M	----	----	----	78.22%299.3M	78.22%299.3M	-16.35%153.03M	161.70%103.77M
-Short term investments	-36.50%101.28M	0.00%953K	0.00%953K	16,803.36%161.09M	10,997.59%105.76M	16,636.52%159.5M	0.00%953K	0.00%953K	0.00%953K	0.00%953K
Derivative assets	--0	--0	--0	--0	-81.18%198K	-99.83%1K	-98.68%20K	-98.68%20K	-86.58%150K	921.36%1.05M
Net loan	22.73%5.31B	19.66%5.04B	19.66%5.04B	18.07%4.76B	12.65%4.5B	9.14%4.33B	10.04%4.21B	10.04%4.21B	10.56%4.03B	17.46%4B
-Gross loan	22.80%5.32B	19.74%5.05B	19.74%5.05B	18.15%4.76B	12.70%4.51B	9.18%4.33B	10.06%4.22B	10.06%4.22B	10.55%4.03B	17.45%4B
-Allowance for loans and lease losses	87.01%7.92M	120.38%7.28M	120.38%7.28M	151.44%6.04M	106.41%4.96M	77.41%4.23M	31.44%3.3M	31.44%3.3M	-10.98%2.4M	-4.91%2.4M
Receivables	9.17%33.12M	-5.25%30.79M	-5.25%30.79M	21.71%33.37M	7.86%29.79M	18.28%30.34M	32.42%32.5M	32.42%32.5M	25.38%27.42M	38.38%27.62M
-Accounts receivable	9.17%33.12M	-5.25%30.79M	-5.25%30.79M	21.71%33.37M	7.86%29.79M	18.28%30.34M	32.42%32.5M	32.42%32.5M	25.38%27.42M	38.38%27.62M
Net PPE	-3.43%26.72M	-0.97%26.36M	-0.97%26.36M	-1.65%26.7M	-0.32%27.17M	0.85%27.67M	167.18%26.62M	167.18%26.62M	163.85%27.15M	156.91%27.25M
-Gross PPE	-3.43%26.72M	-0.84%39.81M	-0.84%39.81M	-1.65%26.7M	-0.32%27.17M	0.85%27.67M	82.92%40.15M	82.92%40.15M	163.85%27.15M	156.91%27.25M
-Accumulated depreciation	----	0.59%-13.45M	0.59%-13.45M	----	----	----	-12.89%-13.53M	-12.89%-13.53M	----	----
Goodwill and other intangible assets	-6.25%22.52M	-6.13%22.86M	-6.13%22.86M	180.51%23.14M	181.03%23.46M	184.34%24.02M	185.02%24.36M	185.02%24.36M	-49.42%8.25M	-47.92%8.35M
-Goodwill	0.00%12.3M	0.00%12.3M	0.00%12.3M	113.78%12.3M	113.78%12.3M	113.78%12.3M	113.78%12.3M	113.78%12.3M	0.00%5.75M	0.00%5.75M
-Other intangible assets	-12.81%10.21M	-12.39%10.56M	-12.39%10.56M	334.39%10.84M	330.19%11.16M	335.14%11.71M	331.89%12.05M	331.89%12.05M	-76.36%2.5M	-74.75%2.59M
Deferred assets	150.04%3.31M	438.53%4.04M	438.53%4.04M	-27.77%1.63M	-40.97%1.53M	-56.91%1.33M	-81.52%750K	-81.52%750K	-14.77%2.25M	13.93%2.59M
Other assets	32.59%22.7M	24.18%17.88M	24.18%17.88M	-26.69%15.78M	-20.55%16.82M	-15.22%17.12M	-34.93%14.4M	-34.93%14.4M	53.51%21.52M	55.76%21.17M
Total assets	23.62%6.15B	20.05%5.81B	20.05%5.81B	21.28%5.48B	15.01%5.05B	15.36%4.97B	15.16%4.84B	15.16%4.84B	13.45%4.52B	17.67%4.39B
Liabilities
Total deposits	26.99%5.25B	17.28%4.86B	17.28%4.86B	21.10%4.63B	13.85%4.21B	13.60%4.13B	17.30%4.14B	17.30%4.14B	14.82%3.82B	18.83%3.69B
Derivative product liabilities	41.66%1.25M	--416K	--416K	--423K	--381K	--881K	--0	--0	----	----
Payables	-76.67%1.02M	-85.89%126K	-85.89%126K	--0	-51.61%1.99M	79.35%4.35M	-88.04%893K	-88.04%893K	-31.32%3.11M	47.93%4.1M
-Total tax payable	-76.67%1.02M	-85.89%126K	-85.89%126K	--0	-51.61%1.99M	79.35%4.35M	-88.04%893K	-88.04%893K	-31.32%3.11M	47.93%4.1M
Long term debt and capital lease obligation	-5.20%103.97M	-0.06%108.51M	-0.06%108.51M	0.14%105.01M	0.38%104.91M	2.55%109.68M	-1.85%108.58M	-1.85%108.58M	-0.62%104.87M	-3.80%104.52M
-Long term debt	-6.24%100.16M	0.99%103.52M	0.99%103.52M	0.50%102.15M	0.73%101.84M	3.36%106.82M	-4.07%102.5M	-4.07%102.5M	0.06%101.64M	-3.28%101.11M
-Long term capital lease obligation	33.56%3.81M	-17.77%5M	-17.77%5M	-11.27%2.87M	-10.08%3.07M	-20.65%2.85M	61.12%6.08M	61.12%6.08M	-18.10%3.23M	-17.14%3.41M
Long term provisions	24.05%235.31M	69.77%290.67M	69.77%290.67M	23.12%199.8M	21.94%192.88M	21.93%189.7M	11.34%171.21M	11.34%171.21M	1.33%162.28M	11.58%158.18M
Non current deferred liabilities	-58.47%49K	-76.60%33K	-76.60%33K	-78.01%73K	-72.96%96K	-83.36%118K	-80.71%141K	-80.71%141K	-49.62%332K	-47.87%355K
Other liabilities	0.90%12.39M	10.15%15.19M	10.15%15.19M	6.06%16.62M	-51.43%13.39M	-24.60%12.27M	-25.47%13.79M	-25.47%13.79M	-7.38%15.67M	155.46%27.57M
Total liabilities	25.90%5.6B	18.84%5.28B	18.84%5.28B	20.50%4.95B	13.30%4.52B	13.51%4.45B	16.08%4.44B	16.08%4.44B	13.60%4.11B	18.24%3.99B
Shareholders'equity
Share capital	-0.59%328.54M	51.16%325.91M	51.16%325.91M	42.71%326.04M	44.35%329.8M	44.65%330.49M	-5.63%215.61M	-5.63%215.61M	0.12%228.47M	-0.18%228.47M
-common stock	-0.59%328.54M	51.16%325.91M	51.16%325.91M	51.77%326.04M	53.52%329.8M	53.84%330.49M	0.37%215.61M	0.37%215.61M	0.13%214.82M	-0.19%214.82M
-Preferred stock	----	--0	--0	--0	--0	--0	--0	--0	0.00%13.65M	0.00%13.65M
Additional paid-in capital	-28.54%1.82M	-0.48%2.47M	-0.48%2.47M	-8.93%2.54M	-6.51%2.54M	-3.97%2.54M	-1.11%2.49M	-1.11%2.49M	19.24%2.79M	26.55%2.72M
Retained earnings	13.49%214M	12.41%203.73M	12.41%203.73M	12.85%200.41M	16.30%196.28M	19.46%188.57M	24.10%181.24M	24.10%181.24M	32.07%177.58M	34.59%168.78M
Gains losses not affecting retained earnings	-322.19%-1.28M	532.31%562K	532.31%562K	-700.71%-847K	-328.06%-317K	-513.70%-302K	-199.24%-130K	-199.24%-130K	171.15%141K	47.87%139K
Total stockholders'equity	4.18%543.08M	33.43%532.67M	33.43%532.67M	29.13%528.14M	32.04%528.31M	34.00%521.3M	5.85%399.2M	5.85%399.2M	12.04%408.99M	12.22%400.1M
Total equity	4.18%543.08M	33.43%532.67M	33.43%532.67M	29.13%528.14M	32.04%528.31M	34.00%521.3M	5.85%399.2M	5.85%399.2M	12.04%408.99M	12.22%400.1M
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	--	--	--

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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