VersaBank (VBNK) Income Statement & Earnings

21.700
-0.600-2.69%

15min DelayTrading Jan 23 14:46 ET

693.22MMarket Cap24.11P/E (TTM)

VersaBank (VBNK) Income Statement

Quarterly+Annual

YOY

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(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

(Q1)Jan 31, 2024

Total revenue

11.65%124.64M

28.61%35.09M

16.99%31.58M

5.75%30.14M

-3.55%27.83M

2.76%111.63M

-6.47%27.29M

0.51%27M

6.81%28.5M

11.32%28.85M

Net interest income

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

9.45%26.57M

-Net interest income

3.60%295.68M

5.78%77.47M

3.27%73.99M

-0.37%70.98M

5.71%73.25M

24.46%285.42M

10.82%73.24M

19.23%71.65M

32.93%71.24M

39.81%69.29M

-Including:Interest income from loans and lease

3.27%273.53M

7.10%71.86M

3.30%68.81M

-0.30%65.9M

2.89%66.96M

22.81%264.88M

8.36%67.1M

18.52%66.61M

30.36%66.1M

38.89%65.08M

-Including:Other interest income

7.83%22.15M

-8.69%5.61M

2.80%5.17M

-1.34%5.08M

49.12%6.29M

50.48%20.54M

47.38%6.14M

29.59%5.03M

78.04%5.15M

55.80%4.22M

-Total interest expense

-1.78%179.51M

-7.24%44.84M

-5.34%44.21M

-4.57%42.94M

11.23%47.52M

41.37%182.76M

21.30%48.34M

32.83%46.7M

55.25%45M

68.96%42.72M

-Including:Interest expense for deposit

-1.74%174.01M

-7.50%43.47M

-5.51%42.86M

-4.41%41.55M

11.77%46.13M

43.41%177.09M

22.42%47M

34.49%45.36M

57.87%43.47M

73.11%41.27M

-Including:Interest expense for long term debt and capital securities

-2.96%5.5M

1.87%1.37M

0.52%1.35M

-9.07%1.39M

-4.20%1.39M

-2.11%5.67M

-8.16%1.34M

-6.27%1.35M

5.51%1.53M

0.48%1.45M

Non interest income

-5.62%8.47M

3.15%2.46M

-12.09%1.8M

-6.73%2.11M

-7.88%2.1M

4.59%8.98M

-18.75%2.38M

6.32%2.05M

8.82%2.26M

38.87%2.28M

-Other non interest income

-5.62%8.47M

3.15%2.46M

-12.09%1.8M

-6.73%2.11M

-7.88%2.1M

4.59%8.98M

-18.75%2.38M

6.32%2.05M

8.82%2.26M

38.87%2.28M

Credit losses provision

-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

132.99%127K

Non interest expense

37.87%78.74M

23.27%23.87M

59.96%21.65M

43.75%17.52M

30.56%15.7M

13.35%57.11M

55.65%19.37M

5.09%13.53M

-4.25%12.19M

-2.52%12.02M

Occupancy and equipment

36.26%7.02M

22.97%1.95M

53.52%1.83M

34.62%1.64M

38.42%1.6M

32.11%5.16M

60.67%1.59M

21.84%1.19M

24.26%1.22M

21.11%1.15M

Selling and administrative expenses

38.03%71.71M

23.30%21.92M

60.58%19.82M

44.77%15.88M

29.73%14.1M

11.78%51.95M

55.22%17.78M

3.71%12.34M

-6.63%10.97M

-4.50%10.87M

-General and administrative expense

38.03%71.71M

23.30%21.92M

60.58%19.82M

44.77%15.88M

29.73%14.1M

11.78%51.95M

55.22%17.78M

3.71%12.34M

-6.63%10.97M

-4.50%10.87M

Income from associates and other participating interests

Special income (charges)

Other non-operating income (expenses)

Income before tax

-24.27%41.49M

22.61%9.9M

-34.98%8.75M

-28.01%11.73M

-34.51%11.1M

-4.95%54.79M

-52.26%8.08M

-2.51%13.46M

18.79%16.3M

28.46%16.95M

Income tax

-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

12.54%4.26M

Earnings from equity interest net of tax

Net income

-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

34.85%12.7M

Net Income continuous operations

-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

34.85%12.7M

Noncontrolling interests

Net income attributable to the company

-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

34.85%12.7M

Preferred stock dividends

0.00%988K

-20.24%197K

0.00%247K

Other under preferred stock dividend

Net income attributable to common stockholders

-26.58%28.46M

-2.16%5.2M

-30.41%6.58M

-26.35%8.53M

-34.60%8.14M

-5.86%38.76M

-56.52%5.32M

-3.05%9.46M

15.63%11.58M

35.79%12.45M

Diluted earnings per share

-39.60%0.9

-20.00%0.16

-44.44%0.2

-42.22%0.26

-41.67%0.28

-5.10%1.49

-57.45%0.2

-5.26%0.36

18.42%0.45

41.18%0.48

Basic earnings per share

-39.60%0.9

-20.00%0.16

-44.44%0.2

-42.22%0.26

-41.67%0.28

-5.10%1.49

-57.45%0.2

-5.26%0.36

18.42%0.45

41.18%0.48

Dividend per share

0.00%0.1

0.00%0.025

0.00%0.1

0.00%0.025

Accounting Standards

US-GAAP

Audit Opinions

Unqualified Opinion

	(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	(Q1)Jan 31, 2024
Total revenue	11.65%124.64M	28.61%35.09M	16.99%31.58M	5.75%30.14M	-3.55%27.83M	2.76%111.63M	-6.47%27.29M	0.51%27M	6.81%28.5M	11.32%28.85M
Net interest income	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	9.45%26.57M
-Net interest income	3.60%295.68M	5.78%77.47M	3.27%73.99M	-0.37%70.98M	5.71%73.25M	24.46%285.42M	10.82%73.24M	19.23%71.65M	32.93%71.24M	39.81%69.29M
-Including:Interest income from loans and lease	3.27%273.53M	7.10%71.86M	3.30%68.81M	-0.30%65.9M	2.89%66.96M	22.81%264.88M	8.36%67.1M	18.52%66.61M	30.36%66.1M	38.89%65.08M
-Including:Other interest income	7.83%22.15M	-8.69%5.61M	2.80%5.17M	-1.34%5.08M	49.12%6.29M	50.48%20.54M	47.38%6.14M	29.59%5.03M	78.04%5.15M	55.80%4.22M
-Total interest expense	-1.78%179.51M	-7.24%44.84M	-5.34%44.21M	-4.57%42.94M	11.23%47.52M	41.37%182.76M	21.30%48.34M	32.83%46.7M	55.25%45M	68.96%42.72M
-Including:Interest expense for deposit	-1.74%174.01M	-7.50%43.47M	-5.51%42.86M	-4.41%41.55M	11.77%46.13M	43.41%177.09M	22.42%47M	34.49%45.36M	57.87%43.47M	73.11%41.27M
-Including:Interest expense for long term debt and capital securities	-2.96%5.5M	1.87%1.37M	0.52%1.35M	-9.07%1.39M	-4.20%1.39M	-2.11%5.67M	-8.16%1.34M	-6.27%1.35M	5.51%1.53M	0.48%1.45M
Non interest income	-5.62%8.47M	3.15%2.46M	-12.09%1.8M	-6.73%2.11M	-7.88%2.1M	4.59%8.98M	-18.75%2.38M	6.32%2.05M	8.82%2.26M	38.87%2.28M
-Other non interest income	-5.62%8.47M	3.15%2.46M	-12.09%1.8M	-6.73%2.11M	-7.88%2.1M	4.59%8.98M	-18.75%2.38M	6.32%2.05M	8.82%2.26M	38.87%2.28M
Credit losses provision	-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	132.99%127K
Non interest expense	37.87%78.74M	23.27%23.87M	59.96%21.65M	43.75%17.52M	30.56%15.7M	13.35%57.11M	55.65%19.37M	5.09%13.53M	-4.25%12.19M	-2.52%12.02M
Occupancy and equipment	36.26%7.02M	22.97%1.95M	53.52%1.83M	34.62%1.64M	38.42%1.6M	32.11%5.16M	60.67%1.59M	21.84%1.19M	24.26%1.22M	21.11%1.15M
Selling and administrative expenses	38.03%71.71M	23.30%21.92M	60.58%19.82M	44.77%15.88M	29.73%14.1M	11.78%51.95M	55.22%17.78M	3.71%12.34M	-6.63%10.97M	-4.50%10.87M
-General and administrative expense	38.03%71.71M	23.30%21.92M	60.58%19.82M	44.77%15.88M	29.73%14.1M	11.78%51.95M	55.22%17.78M	3.71%12.34M	-6.63%10.97M	-4.50%10.87M
Income from associates and other participating interests
Special income (charges)
Other non-operating income (expenses)
Income before tax	-24.27%41.49M	22.61%9.9M	-34.98%8.75M	-28.01%11.73M	-34.51%11.1M	-4.95%54.79M	-52.26%8.08M	-2.51%13.46M	18.79%16.3M	28.46%16.95M
Income tax	-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	12.54%4.26M
Earnings from equity interest net of tax
Net income	-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	34.85%12.7M
Net Income continuous operations	-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	34.85%12.7M
Noncontrolling interests
Net income attributable to the company	-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	34.85%12.7M
Preferred stock dividends						0.00%988K	-20.24%197K	0.00%247K	0.00%247K	0.00%247K
Other under preferred stock dividend
Net income attributable to common stockholders	-26.58%28.46M	-2.16%5.2M	-30.41%6.58M	-26.35%8.53M	-34.60%8.14M	-5.86%38.76M	-56.52%5.32M	-3.05%9.46M	15.63%11.58M	35.79%12.45M
Diluted earnings per share	-39.60%0.9	-20.00%0.16	-44.44%0.2	-42.22%0.26	-41.67%0.28	-5.10%1.49	-57.45%0.2	-5.26%0.36	18.42%0.45	41.18%0.48
Basic earnings per share	-39.60%0.9	-20.00%0.16	-44.44%0.2	-42.22%0.26	-41.67%0.28	-5.10%1.49	-57.45%0.2	-5.26%0.36	18.42%0.45	41.18%0.48
Dividend per share	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	0.00%0.025	0.00%0.025	0.00%0.025
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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