VersaBank(VBNK)Earnings, Financials & Key Ratios
VBNK•NASDAQ•Banking & Credit
$18.44
$589M mkt cap·27.8× P/E·Price updated May 6, 2026
AboutVersaBank, a schedule I chartered bank, provides various banking products and services in Canada. The company offers deposit products, such as guaranteed investment certificates, registered retirement savings plans, daily interest savings accounts, and tax-free savings accounts, as well as deposit insurance products. It also provides lending services, including point of sale financing that involves purchasing loan and lease receivables from finance companies operating in various industries; and commercial banking services comprising commercial real estate, public sector/infrastructure financing, condominium financing, and residential mortgages. The company was formerly known as Pacific & Western Bank of Canada and changed its name to VersaBank in May 2016. VersaBank was incorporated in 1979 and is headquartered in London, Canada.Show more
- Net Interest Income$116M+13.2%
- Total Revenue$120M+7.7%
- Net Income$28M-28.4%
- Return on Equity6.11%-40.4%
- Net Interest Margin2%-5.7%
- Efficiency Ratio65.49%+28.0%
- ROA0.53%-39.2%
- Equity / Assets9.17%+11.2%
- Book Value per Share16.91+10.0%
- Tangible BV/Share16.18+12.1%
- Debt/Equity0.20-25.1%
VBNK Key Insights
VersaBank (VBNK) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Momentum leader: RS Rating 84 (top 16%)
- ✓Trading near 52-week high
- ✓Trading at only 1.5x book value
✗Weaknesses
- ✗Shares diluted 21.3% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
VBNK Price & Volume
VersaBank (VBNK) stock price & volume — 10-year historical chart
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VBNK Growth Metrics
VersaBank (VBNK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years6.2%
5 Years6.89%
3 Years-3.2%
TTM-
Profit CAGR
10 Years13.23%
5 Years7.96%
3 Years7.89%
TTM-10.77%
EPS CAGR
10 Years10.55%
5 Years1.88%
3 Years4.44%
TTM-25.58%
Return on Capital
10 Years6.17%
5 Years7.38%
3 Years7.44%
Last Year5.06%
VBNK Recent Earnings
VersaBank (VBNK) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (33%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
Mar 4, 2026EPS
$0.27
Est $0.27
+0.0%
Revenue
$27M
Est $24M
+10.1%
Q2 2026
Mar 3, 2026EPS
$0.27
Est $0.27
+0.0%
Revenue
$27M
Est $24M
+10.1%
Q4 2025
Dec 10, 2025EPS
$0.24
Est $0.24
+0.0%
Revenue
$80M
Est $36M
+121.9%
Q4 2025
Sep 4, 2025EPS
$0.22
Est $0.20
+10.0%
Revenue
$55M
Est $24M
+124.7%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Mar 4, 2026 | $0.27vs $0.27+0.0% | $27Mvs $24M+10.1% |
| Q2 2026 | Mar 3, 2026 | $0.27vs $0.27+0.0% | $27Mvs $24M+10.1% |
| Q4 2025 | Dec 10, 2025 | $0.24vs $0.24+0.0% | $80Mvs $36M+121.9% |
| Q4 2025 | Sep 4, 2025 | $0.22vs $0.20+10.0% | $55Mvs $24M+124.7% |
Based on last 12 quarters of dataView full earnings history →
VBNK Peer Comparison
VersaBank (VBNK) competitors in Non-US regional and universal banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CUBI | 2.64B | 78.24 | 12.62 | 3.94% | 11.25% | 0.81 | ||
 AX | 4.99B | 88.03 | 11.85 | 9.16% | 16.6% | 0.14 | ||
 BSVN | 412.67M | 43.61 | 9.69 | -3.87% | 18.21% | |||
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 | ||
 SOFI | 20.79B | 16.30 | 41.79 | 28.78% | 5.87% | 0.17 | ||
 LC | 1.96B | 17.06 | 14.83 | 14.97% | 9.47% | 0.01 | ||
 ENVA | 4.3B | 172.57 | 14.90 | 18.58% | 24.88% | 3.41 | ||
 PFSI | 4.54B | 86.94 | 9.35 | 173.81% | 12.02% | 5.35 |
Compare VBNK vs Peers
VersaBank (VBNK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
VBNK Income Statement
VersaBank (VBNK) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Oct'17 | Oct'18 | Oct'19 | Oct'20 | Oct'21 | Oct'22 | Oct'23 | Oct'24 | Oct'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 43.98M | 51.5M | 53.9M | 54.13M | 60.16M | 76.67M | 100.05M | 102.66M | 116.17M | 124.38M |
| NII Growth % | 14.53% | 17.09% | 4.66% | 0.42% | 11.14% | 27.44% | 30.5% | 2.6% | 13.16% | 89.17% |
| Net Interest Margin % | 2.55% | 2.85% | 3.02% | 2.78% | 2.49% | 2.35% | 2.38% | 2.12% | 2% | 2.02% |
| Interest Income | 71.77M | 80.91M | 88.31M | 86.09M | 89.49M | 126.82M | 229.33M | 285.42M | 295.68M | 303.78M |
| Interest Expense | 27.78M | 29.41M | 34.41M | 31.97M | 29.33M | 50.15M | 129.28M | 182.76M | 179.51M | 179.4M |
| Loan Loss Provision | -125K | 334K | -298K | -344K | -438K | 451K | 609K | -182.76M | -179.51M | 4.09M |
| Non-Interest Income | -141K | 186K | 22K | 60K | 5.2M | 5.73M | 8.58M | -173.79M | -175.45M | 9.01M |
| Non-Interest Income % | -0.2% | 0.23% | 0.02% | 0.07% | 5.49% | 4.32% | 3.61% | -155.68% | -145.93% | 2.88% |
| Total Revenue | 71.62M▲ 0% | 81.1M▲ 13.2% | 88.33M▲ 8.9% | 86.15M▼ 2.5% | 94.69M▲ 9.9% | 132.54M▲ 40.0% | 237.92M▲ 79.5% | 111.63M▼ 53.1% | 120.23M▲ 7.7% | 312.79M▲ 0% |
| Revenue Growth % | 0.97% | 13.23% | 8.91% | -2.46% | 9.91% | 39.98% | 79.5% | -53.08% | 7.7% | 19.42% |
| Non-Interest Expense | 29.23M | 26.34M | 26.4M | 27.78M | 35.01M | 49.39M | 50.38M | 57.11M | 78.73M | 83.61M |
| Efficiency Ratio | 40.82% | 32.48% | 29.88% | 32.24% | 36.97% | 37.27% | 21.18% | 51.16% | 65.49% | 26.73% |
| Operating Income | 14.73M▲ 0% | 25.01M▲ 69.8% | 27.82M▲ 11.2% | 26.75M▼ 3.8% | 30.79M▲ 15.1% | 32.55M▲ 5.7% | 57.65M▲ 77.1% | 54.79M▼ 4.9% | 41.49M▼ 24.3% | 45.68M▲ 0% |
| Operating Margin % | 20.57% | 30.84% | 31.5% | 31.05% | 32.52% | 24.56% | 24.23% | 49.08% | 34.51% | 14.6% |
| Operating Income Growth % | 25.29% | 69.79% | 11.23% | -3.84% | 15.09% | 5.71% | 77.11% | -4.95% | -24.27% | - |
| Pretax Income | 14.73M▲ 0% | 25.01M▲ 69.8% | 27.82M▲ 11.2% | 26.75M▼ 3.8% | 30.79M▲ 15.1% | 32.55M▲ 5.7% | 57.65M▲ 77.1% | 54.79M▼ 4.9% | 41.49M▼ 24.3% | 45.68M▲ 0% |
| Pretax Margin % | 20.57% | 30.84% | 31.5% | 31.05% | 32.52% | 24.56% | 24.23% | 49.08% | 34.51% | 14.6% |
| Income Tax | -4.74M | 6.94M | 7.63M | 7.35M | 8.41M | 9.89M | 15.48M | 15.04M | 13.04M | 14.28M |
| Effective Tax Rate % | -32.17% | 27.74% | 27.41% | 27.46% | 27.31% | 30.39% | 26.86% | 27.46% | 31.41% | 31.26% |
| Net Income | 19.47M▲ 0% | 18.07M▼ 7.2% | 20.2M▲ 11.7% | 19.41M▼ 3.9% | 22.38M▲ 15.3% | 22.66M▲ 1.2% | 42.16M▲ 86.1% | 39.75M▼ 5.7% | 28.46M▼ 28.4% | 31.4M▲ 0% |
| Net Margin % | 27.19% | 22.29% | 22.87% | 22.52% | 23.64% | 17.09% | 17.72% | 35.61% | 23.67% | 10.04% |
| Net Income Growth % | 129.89% | -7.18% | 11.74% | -3.92% | 15.33% | 1.24% | 86.08% | -5.73% | -28.4% | -10.77% |
| Net Income (Continuing) | 19.47M | 18.07M | 20.2M | 19.41M | 22.38M | 22.66M | 42.16M | 39.75M | 28.46M | 31.4M |
| EPS (Diluted) | 0.83▲ 0% | 0.86▲ 3.6% | 0.85▼ 1.2% | 0.82▼ 3.5% | 0.96▲ 17.1% | 0.79▼ 17.7% | 1.57▲ 98.7% | 1.49▼ 5.1% | 0.90▼ 39.6% | 1.34▲ 0% |
| EPS Growth % | 159.38% | 3.61% | -1.16% | -3.53% | 17.07% | -17.71% | 98.73% | -5.1% | -39.6% | -25.58% |
| EPS (Basic) | 0.83 | 0.86 | 0.85 | 0.82 | 0.96 | 0.79 | 1.53 | 1.49 | 0.90 | - |
| Diluted Shares Outstanding | 20.86M | 21.12M | 21.12M | 21.12M | 21.75M | 27.43M | 26.27M | 25.96M | 31.51M | 23.46M |
VBNK Balance Sheet
VersaBank (VBNK) balance sheet — assets, liabilities & shareholders' equity
| Line item | Oct'17 | Oct'18 | Oct'19 | Oct'20 | Oct'21 | Oct'22 | Oct'23 | Oct'24 | Oct'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 159.91M | 129.78M | 139.15M | 257.64M | 272.48M | 89.53M | 133.19M | 226.21M | 582.66M | 2.28B |
| Cash & Due from Banks | 159.91M | 129.78M | 139.15M | 257.64M | 271.52M | 88.58M | 132.24M | 225.25M | 581.71M | 628.99M |
| Short Term Investments | 0 | 0 | 0 | 0 | 953K | 953K | 953K | 953K | 953K | 0 |
| Total Investments | 262K | 1.63B | 1.6B | 1.66B | 2.1B | 3.12B | 4B | 4.51B | 5.12B | 5.42B |
| Investments Growth % | -99.98% | 623619.85% | -2.23% | 3.72% | 26.54% | 48.82% | 28.19% | 12.86% | 13.52% | 64.23% |
| Long-Term Investments | 262K | 1.63B | 1.6B | 1.66B | 2.1B | 3.12B | 4B | 4.51B | 5.12B | 19.8B |
| Accounts Receivables | 6.31M | 7.39M | 7.16M | 6.81M | 10.84M | 18.48M | 24.54M | 32.49M | 30.79M | 0 |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 9.39M | 8.94M | 8.54M | 24.36M | 22.86M | 22.55M |
| Goodwill | 0 | 0 | 0 | 0 | 5.75M | 5.75M | 5.75M | 12.3M | 12.3M | 12.32M |
| Intangible Assets | 0 | 0 | 0 | 0 | 3.64M | 3.19M | 2.79M | 12.05M | 10.56M | 10.23M |
| PP&E (Net) | 8.02M | 8.39M | 7.91M | 10.45M | 11.89M | 10.99M | 9.96M | 26.62M | 26.36M | 26.76M |
| Other Assets | -8.28M | 6.08M | 17.07M | 0 | -953K | 16.39M | 22.13M | 14.4M | 17.88M | 30.95M |
| Total Current Assets | 166.22M | 142.12M | 151.15M | 271.29M | 296.01M | 108.01M | 157.73M | 258.7M | 613.45M | 653.95M |
| Total Non-Current Assets | 8.28M | 1.67B | 1.63B | 1.67B | 2.12B | 3.16B | 4.04B | 4.58B | 5.2B | 5.5B |
| Total Assets | 1.73B▲ 0% | 1.81B▲ 4.9% | 1.79B▼ 1.3% | 1.94B▲ 8.9% | 2.42B▲ 24.2% | 3.27B▲ 35.2% | 4.2B▲ 28.6% | 4.84B▲ 15.2% | 5.81B▲ 20.0% | 6.16B▲ 0% |
| Asset Growth % | 1.21% | 4.87% | -1.31% | 8.88% | 24.24% | 35.23% | 28.65% | 15.16% | 20.05% | 80.15% |
| Return on Assets (ROA) | 1.14% | 1.02% | 1.12% | 1.04% | 1.03% | 0.8% | 1.13% | 0.88% | 0.53% | 0.56% |
| Accounts Payable | 88.78M | 96.16M | 97M | 96.06M | 110.76M | 7.66M | 9.68M | 0 | 0 | 0 |
| Total Debt | 43.04M | 43.15M | 38.25M | 16.72M | 100.39M | 109.42M | 110.62M | 108.58M | 108.51M | 104.13M |
| Net Debt | -116.87M | -86.63M | -100.9M | -240.93M | -171.14M | 20.84M | -21.62M | -116.67M | -473.2M | -524.86M |
| Long-Term Debt | 43.04M | 43.15M | 38.25M | 13.63M | 95.27M | 104.95M | 106.85M | 102.5M | 103.52M | 100.32M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | -43.04M | 8.82M | 10.08M | 8.24M | 17.73M | 139.91M | 170.05M | 185.89M | 306.39M | 5.51B |
| Total Current Liabilities | 92.52M | 1.53B | 1.5B | 1.66B | 1.96B | 2.67B | 3.54B | 4.14B | 4.86B | 0 |
| Total Non-Current Liabilities | 92.52M | 51.97M | 48.33M | 24.96M | 119.01M | 250.12M | 281.4M | 294.61M | 414.94M | 5.61B |
| Total Liabilities | 1.52B | 1.59B | 1.55B | 1.69B | 2.08B | 2.92B | 3.82B | 4.44B | 5.28B | 5.61B |
| Total Equity | 208.54M▲ 0% | 223.57M▲ 7.2% | 240.16M▲ 7.4% | 255.29M▲ 6.3% | 332.11M▲ 30.1% | 350.68M▲ 5.6% | 377.16M▲ 7.6% | 399.2M▲ 5.8% | 532.67M▲ 33.4% | 543.93M▲ 0% |
| Equity Growth % | 12.19% | 7.21% | 7.42% | 6.3% | 30.09% | 5.59% | 7.55% | 5.85% | 33.43% | 98.95% |
| Equity / Assets (Capital Ratio) | 12.09% | 12.36% | 13.45% | 13.13% | 13.75% | 10.74% | 8.98% | 8.25% | 9.17% | 8.84% |
| Return on Equity (ROE) | 9.87% | 8.37% | 8.71% | 7.83% | 7.62% | 6.64% | 11.59% | 10.24% | 6.11% | 5.89% |
| Book Value per Share | 10.00 | 10.58 | 11.37 | 12.09 | 15.27 | 12.79 | 14.35 | 15.37 | 16.91 | 23.18 |
| Tangible BV per Share | 10.00 | 10.58 | 11.37 | 12.09 | 14.84 | 12.46 | 14.03 | 14.44 | 16.18 | 22.22 |
| Common Stock | 152.61M | 152.61M | 152.61M | 152.61M | 227.67M | 225.98M | 214.82M | 215.61M | 325.91M | 329.06M |
| Additional Paid-in Capital | 145K | 145K | 145K | 145K | 145K | 1.61M | 2.51M | 2.48M | 2.47M | 1.82M |
| Retained Earnings | 26.44M | 41.47M | 58.07M | 73.19M | 90.64M | 109.33M | 146.04M | 181.24M | 203.73M | 214.34M |
| Accumulated OCI | 4K | 0 | 0 | 0 | -4K | 99K | 131K | -130K | 562K | -1.28M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 29.34M | 29.34M | 29.34M | 29.34M | 13.65M | 13.65M | 13.65M | 0 | 0 | 0 |
VBNK Cash Flow Statement
VersaBank (VBNK) cash flow — operating, investing & free cash flow history
| Line item | Oct'17 | Oct'18 | Oct'19 | Oct'20 | Oct'21 | Oct'22 | Oct'23 | Oct'24 | Oct'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 77.88M | -14.9M | 19.78M | 139.59M | -108.31M | -32.65M | 94.72M | 272.7M | 44.45M | -679.39M |
| Operating CF Growth % | 267.58% | -119.14% | 232.72% | 605.74% | -177.59% | 69.85% | 390.06% | 187.92% | -83.7% | -221.43% |
| Net Income | 19.47M | 18.07M | 20.2M | 19.41M | 22.38M | 22.66M | 42.16M | 39.75M | 28.46M | 31.4M |
| Depreciation & Amortization | 553K | 623K | 721K | 1.15M | 1.73M | 1.94M | 1.78M | 2.63M | 3.1M | 2.36M |
| Deferred Taxes | -4.74M | 6.94M | 7.63M | 7.35M | 8.41M | 9.89M | 15.48M | 15.04M | 13.04M | 10.07M |
| Other Non-Cash Items | -2.76M | -1.59M | -2.73M | -2.02M | -6.54M | 6.52M | 21.95M | -14.93M | -87.61M | -48.92M |
| Working Capital Changes | 65.35M | -38.95M | -6.04M | 113.71M | -134.29M | -75.13M | 12.44M | 229.86M | 87.39M | 77.64M |
| Cash from Investing | 7.07M | -10.76M | -242K | 9.76M | -8.44M | -141.61M | -28.14M | -157.58M | 212.26M | -200.78M |
| Purchase of Investments | 0 | -10.02M | 0 | 0 | -953K | -141.03M | -27.78M | 0 | -5.32M | -20.15M |
| Sale/Maturity of Investments | 1000K | 255K | 0 | 1000K | 0 | 0 | 0 | 0 | 1000K | 2M |
| Net Investment Activity | 1000K | -9.76M | 0 | 1000K | -953K | -141.03M | -27.78M | 0 | -4.32M | -18.15M |
| Acquisitions | -283K | 0 | 0 | 0 | -7.47M | 0 | 0 | -12.12M | 0 | 0 |
| Other Investing | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -126.89M | 0 | -263.78M |
| Cash from Financing | -19M | -4.47M | -10.17M | -30.85M | 131.4M | -6.3M | -17.31M | -23.33M | 102.04M | 371.78M |
| Dividends Paid | -2.2M | -3.04M | -3.68M | -4.28M | -3.85M | -3.73M | -3.6M | -3.59M | -3.23M | -3.22M |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | -1.93M | -13.29M | 0 | -9.13M | -8.06M |
| Stock Issued | 0 | 0 | 0 | 0 | 73.23M | 0 | 280K | 607K | 114.77M | 1.7M |
| Net Stock Activity | 0 | 0 | 0 | 0 | 73.23M | -1.93M | -13.01M | 607K | 105.64M | -6.36M |
| Debt Issuance (Net) | -1000K | 0 | -1000K | -1000K | 1000K | -642K | -700K | -1000K | -367K | -184K |
| Other Financing | -1.99M | -1.43M | -1.37M | -1.69M | 0 | 0 | 0 | 0 | 0 | 381.55M |
| Net Change in Cash | 65.94M▲ 0% | -30.13M▼ 145.7% | 9.36M▲ 131.1% | 118.5M▲ 1165.5% | 13.88M▼ 88.3% | -182.94M▼ 1418.1% | 43.66M▲ 123.9% | 93.01M▲ 113.0% | 356.46M▲ 283.2% | 195.02M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | -779K | -1000K | -1000K | 1000K | -1000K | -2.24M |
| Cash at Beginning | 93.96M | 159.91M | 129.78M | 139.15M | 257.64M | 271.52M | 88.58M | 132.24M | 225.25M | 0 |
| Cash at End | 159.91M | 129.78M | 139.15M | 257.64M | 271.52M | 88.58M | 132.24M | 225.25M | 581.71M | 0 |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 75.64M▲ 0% | -15.9M▼ 121.0% | 19.54M▲ 222.9% | 139.35M▲ 613.2% | -108.32M▼ 177.7% | -33.23M▲ 69.3% | 94.36M▲ 383.9% | 254.13M▲ 169.3% | -680.35M▼ 367.7% | 72.89M▲ 0% |
| FCF Growth % | 261.9% | -121.02% | 222.9% | 613.23% | -177.73% | 69.32% | 383.9% | 169.33% | -367.72% | -63.14% |
VBNK Banking Ratios
VersaBank (VBNK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 9.87% | 8.37% | 8.71% | 7.83% | 7.62% | 6.64% | 11.59% | 10.24% | 6.11% | 5.89% |
| Return on Assets (ROA) | 1.14% | 1.02% | 1.12% | 1.04% | 1.03% | 0.8% | 1.13% | 0.88% | 0.53% | 0.56% |
| Net Interest Margin | 2.55% | 2.85% | 3.02% | 2.78% | 2.49% | 2.35% | 2.38% | 2.12% | 2% | 2.02% |
| Efficiency Ratio | 40.82% | 32.48% | 29.88% | 32.24% | 36.97% | 37.27% | 21.18% | 51.16% | 65.49% | 26.73% |
| Equity / Assets | 12.09% | 12.36% | 13.45% | 13.13% | 13.75% | 10.74% | 8.98% | 8.25% | 9.17% | 8.84% |
| Book Value / Share | 10 | 10.58 | 11.37 | 12.09 | 15.27 | 12.79 | 14.35 | 15.37 | 16.91 | 23.18 |
| NII Growth | 14.53% | 17.09% | 4.66% | 0.42% | 11.14% | 27.44% | 30.5% | 2.6% | 13.16% | 22.17% |
| Dividend Payout | 11.3% | 16.84% | 18.21% | 22.06% | 17.18% | 16.46% | 8.54% | 9.03% | 11.37% | 10.26% |
VBNK Frequently Asked Questions
VersaBank (VBNK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
VersaBank (VBNK) grew revenue by 7.7% over the past year. This is steady growth.
Yes, VersaBank (VBNK) is profitable, generating $31.4M in net income for fiscal year 2025 (23.7% net margin).
Dividend & Returns
Yes, VersaBank (VBNK) pays a dividend with a yield of 0.41%. This makes it attractive for income-focused investors.
VersaBank (VBNK) has a return on equity (ROE) of 6.1%. This is below average, suggesting room for improvement.
Industry Metrics
VersaBank (VBNK) has a net interest margin (NIM) of 2.0%. NIM has been under pressure due to interest rate environment.
VersaBank (VBNK) has an efficiency ratio of 65.5%. This is higher than peers, suggesting room for cost optimization.
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VersaBank (VBNK) financial analysis — history, returns, DCA and operating performance tools
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