VersaBank
NASDAQ:VBNK
10.31 (USD) • At close March 14, 2025
Overview | Financials
Numbers are in millions (except for per share data and ratios) USD.
| 2025 Q1 | 2024 Q4 | 2024 Q3 | 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 | 2023 Q2 | 2023 Q1 | 2022 Q4 | 2022 Q3 | 2022 Q2 | 2022 Q1 | 2021 Q4 | 2021 Q3 | 2021 Q2 | 2021 Q1 | 2020 Q4 | 2020 Q3 | 2020 Q2 | 2020 Q1 | 2019 Q4 | 2019 Q3 | 2019 Q2 | 2019 Q1 | 2018 Q4 | 2018 Q3 | 2018 Q2 | 2018 Q1 | 2017 Q4 | 2017 Q3 | 2017 Q2 | 2017 Q1 | 2016 Q4 | 2016 Q3 | 2016 Q2 | 2016 Q1 | 2015 Q4 | 2015 Q3 | 2015 Q2 | 2015 Q1 | 2014 Q4 | 2014 Q3 | 2014 Q2 | 2014 Q1 | 2013 Q4 | 2013 Q3 | 2013 Q2 | 2013 Q1 | 2012 Q4 | 2012 Q3 | 2012 Q2 | 2012 Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities: | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Income
| 8.143 | 5.516 | 9.705 | 11.828 | 12.699 | 12.479 | 10.003 | 10.263 | 9.417 | 6.429 | 5.72 | 4.943 | 5.566 | 5.91 | 5.436 | 5.744 | 5.29 | 4.746 | 4.369 | 5.149 | 5.141 | 5.405 | 4.963 | 4.896 | 4.932 | 5.164 | 4.678 | 4.256 | 3.976 | 2.822 | 2.682 | 2.104 | 11.864 | 1.896 | 2.456 | 1.807 | 2.311 | 2.77 | 1.707 | 2.062 | 1.679 | 2.476 | 1.017 | 1.208 | 0.975 | -0.19 | 0.878 | -0.039 | 1.115 | -0.907 | 1.783 | 1.11 | 1.838 |
| Depreciation & Amortization
| 0.744 | 0.842 | 0.586 | 0.632 | 0.574 | 0.435 | 0.431 | 0.45 | 0.467 | 0.507 | 0.458 | 0.483 | 0.49 | 0.456 | 0.452 | 0.372 | 0.449 | 0.291 | 0.362 | 0.21 | 0.286 | 0.173 | 0.253 | 0.115 | 0.18 | 0.222 | 0.137 | 0.137 | 0.127 | 0 | 0.311 | 0.242 | 0 | 0.776 | 0 | 0 | 0 | 10.096 | 10.042 | 6.547 | 8.641 | 9.068 | 6.495 | 3.094 | 7.123 | 0.494 | 0 | 0 | 0 | 0.699 | 0 | 0 | 0 |
| Deferred Income Tax
| 2.961 | 2.56 | 3.758 | 4.472 | 4.255 | 4.437 | 3.806 | 3.459 | 3.781 | 3.844 | 2.137 | 1.847 | 2.062 | 2.228 | 1.997 | 2.196 | 1.988 | 1.799 | 1.657 | 1.947 | 1.944 | 2.038 | 1.874 | 1.851 | 1.862 | 2.049 | 1.768 | 1.646 | 1.476 | 1.083 | 1.031 | 0.809 | -7.663 | 0.74 | 0.947 | 0.708 | 0.893 | -0.306 | 0.67 | -0.194 | 0.651 | -0.719 | 0.398 | 0.472 | 0.38 | -0.049 | 0.348 | 0.007 | 0.435 | 0 | 0.434 | 1.04 | 0.86 |
| Stock Based Compensation
| 0.075 | 0.072 | 0.072 | 0.072 | 0.132 | 0.174 | 0.192 | 0.192 | 0.343 | 0.423 | 0.424 | 0.424 | 0.196 | 13.952 | 18.376 | 11.15 | 10.142 | 12.3 | 14.448 | 14.911 | 10.447 | 14.314 | 13.975 | 7.613 | 15.268 | 13.858 | 14.708 | 0 | 0 | 0 | 11.849 | 0 | 0 | 0 | 0 | 0 | 0 | 0.004 | 0.007 | 0.006 | 0.006 | 0.014 | 0.018 | 0.018 | 0.018 | 0.054 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change In Working Capital
| -104.24 | 135.302 | -4.125 | 10.362 | -0.628 | 33.978 | -150.026 | 26.832 | 101.656 | -7.536 | 12.457 | 38.044 | -118.093 | -104.475 | 14.982 | -14.819 | -29.974 | -100.046 | 6.493 | 224.662 | -17.396 | 23.941 | -19.404 | 31.481 | -42.053 | 8.696 | -26.144 | 53.915 | -75.421 | 54.459 | 4.708 | -35.984 | 42.171 | -50.447 | 6.673 | -33.99 | 19.194 | -10.46 | 2.142 | -32.016 | -27.517 | 31.533 | -106.004 | -19.569 | 60.404 | 18.002 | 8.649 | -56.012 | -62.884 | 61.038 | -185.908 | 131.382 | 3.226 |
| Accounts Receivables
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change In Inventory
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change In Accounts Payables
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Working Capital
| -104.24 | 135.302 | -4.125 | 63.253 | 101.202 | 33.978 | -150.026 | 26.832 | 101.656 | -7.536 | 12.457 | 38.044 | -118.093 | -104.475 | 14.982 | -14.819 | -29.974 | -100.046 | 6.493 | 224.662 | -17.396 | 23.941 | -19.404 | 31.481 | -42.053 | 8.696 | -26.144 | 53.915 | -75.421 | 54.459 | 4.708 | -35.984 | 42.171 | -50.447 | 6.673 | -33.99 | 19.194 | -10.46 | 2.142 | -32.016 | -27.517 | 31.533 | -106.004 | -19.569 | 60.404 | 18.002 | 8.649 | -56.012 | -62.884 | 0 | -185.908 | 131.382 | 3.226 |
| Other Non Cash Items
| 3.255 | 8.991 | -21.917 | 9.624 | -0.289 | 20.392 | 3.041 | -12.024 | 10.539 | 9.575 | 4.935 | -4.904 | -3.085 | -16.146 | -14.542 | -15.095 | -14.374 | -13.708 | -12.384 | -14.476 | -13.557 | -13.655 | -14.059 | -12.743 | -13.44 | -13.707 | -12.965 | 1.062 | -4.278 | -0.307 | -10.751 | -0.806 | -2.502 | 1.733 | 0.925 | -1.883 | -0.682 | -8.961 | -8.727 | -8.255 | -8.031 | -7.609 | -6.687 | -6.643 | -6.501 | 7.63 | 5.812 | -8.663 | -3.571 | -15.074 | -3.47 | -4.212 | -3.346 |
| Operating Cash Flow
| -89.062 | 153.283 | -11.921 | 31.182 | 11.208 | 71.895 | -132.553 | 29.172 | 126.203 | 13.242 | 26.131 | 40.837 | -112.864 | -98.075 | 26.701 | -10.452 | -26.479 | -94.618 | 14.945 | 232.403 | -13.135 | 32.216 | -12.398 | 33.213 | -33.251 | 16.282 | -17.818 | 60.879 | -74.247 | 58.057 | 9.83 | -33.877 | 43.87 | -46.078 | 11.001 | -33.358 | 21.716 | -6.857 | 5.841 | -31.85 | -24.571 | 34.763 | -104.763 | -21.42 | 62.399 | 25.393 | 15.687 | -64.707 | -64.905 | 45.057 | -187.161 | 129.32 | 2.578 |
| Investing Activities: | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Investments In Property Plant And Equipment
| -1.452 | 0.103 | -2.328 | -0.351 | -16.002 | -0.012 | -0.012 | -0.313 | -0.025 | 0.165 | -0.551 | -0.163 | -0.032 | 0.053 | 0 | 0 | -0.067 | -0.003 | 0.06 | -0.266 | -0.036 | -0.055 | -0.079 | 0.05 | -0.158 | -0.613 | -0.04 | -0.2 | -0.14 | -0.562 | -0.416 | -0.896 | -0.369 | -0.246 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Acquisitions Net
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -15.013 | -7.473 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1.852 | 0 | 0 | -0.283 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Purchases Of Investments
| 0 | 0 | 0 | 0 | 0 | 14.377 | -42.155 | 0 | 0 | -7.604 | -133.427 | 0 | 0 | 0 | 0 | -0.953 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -7.298 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -9.583 | 0 | 0 | 0 | 0 | 0 | 0 | -0.017 | -34.877 | -0.05 | -6.121 | -0.279 | -21.585 | -92.055 | -39.218 | 0.155 | -0.155 |
| Sales Maturities Of Investments
| 136.737 | 0 | 0 | 29.135 | 34.614 | 0 | -101.768 | 9.739 | 92.029 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 10 | 0 | 0 | 0 | 0 | 0.255 | -0.255 | 0 | 0.255 | 0 | 0.008 | 0 | 9.585 | 0.002 | 12.506 | 0.017 | 9.321 | 0.017 | 0.302 | 0 | 25.603 | 0.071 | 2.8 | 11.207 | 12.365 | 48.635 | 6.265 | 47.679 | 52.87 | -17.336 | 43.28 | 9.367 | 46.64 |
| Other Investing Activites
| 0 | -153.135 | -49.619 | 29.135 | 34.614 | -42.155 | 143.923 | -9.739 | -92.029 | -141.031 | 0 | 0 | 0 | 0 | 0 | -0.953 | 0 | 0 | 0 | 0 | 10 | 0 | 0 | 0 | 0 | -7.043 | -2.719 | 0 | 0.255 | 1.852 | 0.008 | 0 | 7.733 | 0.002 | 12.506 | 0.017 | -0.262 | 0.017 | 0.302 | 0 | 25.603 | 0.071 | 2.8 | 11.19 | -22.512 | 48.585 | 0.144 | 47.4 | 31.285 | -109.391 | 0 | 0 | 0 |
| Investing Cash Flow
| 135.285 | -153.032 | -51.947 | -4.665 | -112.539 | -27.79 | -0.012 | -0.313 | -0.025 | -7.439 | -133.978 | -0.163 | -0.032 | 0.053 | -121.36 | -0.953 | -7.54 | -0.003 | 0.06 | -0.266 | 9.964 | -0.055 | -0.079 | 0.05 | -0.158 | -7.656 | -3.014 | -0.2 | 0.115 | -0.562 | -0.408 | -0.896 | 8.933 | 0.002 | 12.506 | 0.017 | -0.262 | 0.017 | 0.302 | 0 | 25.603 | 0.071 | 2.8 | 11.19 | -22.512 | 48.585 | 0.144 | 47.4 | 31.285 | -109.391 | 4.062 | 9.522 | 46.485 |
| Financing Activities: | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Debt Repayment
| -0.183 | -0.195 | -0.184 | -5.18 | -0.177 | -0.173 | -0.176 | -0.175 | -0.176 | -0.173 | -0.021 | -0.279 | -0.169 | -0.163 | -0.162 | 89.338 | -10.177 | -0.084 | -0.091 | -24.62 | -0.09 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -4.5 | 0 | -10.307 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Common Stock Issued
| 114.879 | 0 | 0 | 0 | 0 | 0.28 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 73.226 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.415 | 0.275 | 15 | 13.289 | 0 | 0 | 0 | 7.975 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Common Stock Repurchased
| 0 | -14.615 | 0 | 0 | 0 | 0 | -0.734 | -4.237 | -8.321 | -1.93 | 0 | 0 | 0 | 0 | 0 | -16.813 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividends Paid
| -0.813 | -0.897 | -0.897 | -0.897 | -0.897 | -0.897 | -0.895 | -0.898 | -0.91 | -0.927 | -0.934 | -0.934 | -0.934 | -0.931 | -0.775 | -1.07 | -1.07 | -1.07 | -1.07 | -1.07 | -1.07 | -0.972 | -0.972 | -0.867 | -0.867 | -0.761 | -0.761 | -0.761 | -0.761 | -0.551 | -0.55 | -0.55 | -0.55 | -0.551 | -0.55 | -0.55 | -0.55 | -0.55 | -0.759 | -0.256 | -0.257 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Financing Activities
| 0 | -14.615 | 128.188 | 52.891 | 101.83 | 189.325 | 0 | 177.905 | 259.294 | 170.846 | 0 | 278.093 | -3.385 | 73.226 | 135.658 | 0.504 | -0.362 | -0.375 | -0.376 | -0.374 | -0.561 | -0.343 | -0.342 | -5.509 | -0.302 | -0.341 | -0.37 | -0.356 | -0.358 | -0.358 | -0.96 | -0.372 | -0.304 | -1.457 | -21.632 | 5 | 70.659 | 49.164 | 28.931 | 0 | 53.388 | 80.651 | -40.201 | -53.299 | 33.785 | -14.189 | 12.593 | -44.453 | -83.845 | -6.196 | 0 | 0 | 0 |
| Financing Cash Flow
| 113.883 | -15.1 | 127.107 | 46.814 | 100.756 | -0.79 | -1.805 | -5.31 | -9.407 | -3.03 | -0.955 | -1.213 | -1.103 | 72.132 | -0.937 | 71.817 | -11.609 | -1.529 | -1.537 | -26.064 | -1.721 | -1.315 | -1.314 | -6.376 | -1.169 | -1.102 | -1.131 | -1.117 | -1.119 | -0.909 | -6.01 | -0.922 | -11.161 | -2.008 | -0.55 | 4.45 | -0.55 | -0.965 | -0.344 | 0.019 | 14.743 | 13.289 | -40.201 | -53.299 | -7 | 7.975 | 12.593 | -44.453 | -83.845 | -6.196 | 0 | 0 | 0 |
| Other Information: | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Effect Of Forex Changes On Cash
| 1.333 | -7.88 | 15.292 | -2.032 | -4.158 | 1.201 | -1.565 | -1.26 | -3.98 | 1.594 | -5.141 | 3.457 | -2.285 | 0.408 | -1.187 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Change In Cash
| 161.439 | -22.729 | 49.175 | 71.299 | -4.733 | 44.516 | -135.935 | 22.289 | 112.791 | 4.367 | -113.943 | 42.918 | -116.284 | -25.482 | 24.577 | 60.412 | -45.628 | -96.15 | 13.468 | 206.073 | -4.892 | 30.846 | -13.791 | 26.887 | -34.578 | 7.524 | -21.963 | 59.562 | -75.251 | 56.586 | 3.412 | -35.695 | 41.642 | -48.084 | 22.957 | -28.891 | 20.904 | -7.805 | 5.799 | -31.831 | 15.775 | 48.123 | -101.963 | -10.23 | 32.887 | 81.953 | 15.831 | -17.307 | -33.62 | -64.334 | -183.099 | 138.842 | 49.063 |
| Cash At End Of Period
| 386.693 | 225.254 | 247.983 | 198.808 | 127.509 | 132.242 | 87.726 | 223.661 | 201.372 | 88.581 | 84.214 | 198.157 | 155.239 | 271.523 | 297.005 | 272.428 | 212.016 | 257.644 | 353.794 | 340.326 | 134.253 | 139.145 | 108.299 | 122.09 | 95.203 | 129.781 | 122.257 | 144.22 | 84.658 | 159.909 | 103.323 | 99.911 | 135.606 | 93.964 | 142.048 | 119.091 | 147.982 | 127.078 | 134.883 | 129.084 | 160.915 | 145.14 | 97.017 | 198.98 | 209.21 | 176.323 | 94.37 | 78.539 | 95.846 | 129.466 | 193.8 | 376.899 | 238.057 |