VersaBank (VBNK) Earnings History
Profitable15 years of earnings data (2011–2025) · Positive TTM net income
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VersaBank (VBNK) Earnings Overview
As of June 29, 2026, VersaBank (VBNK) reported trailing twelve-month net income of $30M, reflecting -39.6% year-over-year growth. The company earned $1.29 per diluted share over the past four quarters, with a net profit margin of 23.7%.
Looking at the long-term picture, VBNK's 5-year EPS compound annual growth rate (CAGR) stands at +1.9%, reflecting modest earnings expansion. The company achieved its highest annual net income of $42M in fiscal 2023.
VersaBank maintains industry-leading profitability with a gross margin of 100.0%, operating margin of 34.5%, and net margin of 23.7%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including CUBI ($224M net income, 15.8% margin), AX ($476M net income, 22.4% margin), BSVN ($45M net income, 31.4% margin), VBNK has outperformed on profitability metrics. Compare VBNK vs CUBI →
VBNK Earnings vs Peers
Earnings metrics vs comparable public companies
VBNK Historical Earnings Data (2011–2025)
15 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $28M | -28.4% | $41M | $0.90 | 23.7% | 34.5% |
| 2024 | $40M | -5.7% | $55M | $1.49 | 35.6% | 49.1% |
| 2023 | $42M | +86.1% | $58M | $1.57 | 17.7% | 24.2% |
| 2022 | $23M | +1.2% | $33M | $0.79 | 17.1% | 24.6% |
| 2021 | $22M | +15.3% | $31M | $0.96 | 23.6% | 32.5% |
| 2020 | $19M | -3.9% | $27M | $0.82 | 22.5% | 31.1% |
| 2019 | $20M | +11.7% | $28M | $0.85 | 22.9% | 31.5% |
| 2018 | $18M | -7.2% | $25M | $0.86 | 22.3% | 30.8% |
| 2017 | $19M | +129.9% | $15M | $0.83 | 27.2% | 20.6% |
| 2016 | $8M | +3.1% | $12M | $0.32 | 11.9% | 16.6% |
| 2015 | $8M | +44.8% | $9M | $0.33 | 12.5% | 13.7% |
| 2014 | $6M | +221.8% | $6M | $0.29 | 9.3% | 10.2% |
| 2013 | $2M | -53.9% | $3M | $0.11 | 2.8% | 4.0% |
| 2012 | $4M | -49.5% | $8M | $0.24 | 5.2% | 10.9% |
| 2011 | $8M | - | $11M | $0.48 | 11.1% | 16.4% |
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VBNK — Frequently Asked Questions
Quick answers to the most common questions about buying VBNK stock.
What is VBNK earnings per share (EPS)?
VBNK trailing twelve-month (TTM) diluted EPS is $1.29, reflecting -39.6% year-over-year growth. The 5-year EPS CAGR is +1.9%. Complete EPS history from 2011 to 2025 is available in the table on this page.
What is VersaBank's net income?
VersaBank (VBNK) trailing twelve-month net income is $30M as of 2025. Earnings declined -39.6% year-over-year. VersaBank has been profitable for 15 consecutive years.
Is VBNK profitable?
Yes, VBNK is profitable with a TTM net income of $30M and a net profit margin of +23.7%. VersaBank has generated profits for 15 consecutive years.
What is VBNK's earnings growth rate?
VBNK compound annual EPS growth rates (CAGR): 1-Year: -39.6%, 3-Year: +4.4%, 5-Year: +1.9%, 10-Year: +10.6%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2011 to 2025.
What are VBNK's profit margins?
VersaBank net profit margin is +23.7%, operating margin is +34.5%, and gross margin is +100.0%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +6.1%.
Is VBNK growing earnings?
VBNK earnings are declining — EPS fell -39.6% year-over-year. TTM net income dropped to $30M. This contrasts with the 5-year CAGR of +1.9%.
What was VBNK's best earnings year?
VersaBank's highest annual net income on record is $42M, achieved in fiscal year 2023. Earnings history on this page spans 2011 to 2025 and includes all annual and quarterly figures.
What were VBNK's earnings last quarter?
VBNK's most recent reported quarter was Q2 2026. Net income was $8M with diluted EPS of $0.23. For a full breakdown of all quarters, see the quarterly earnings table on this page.