VersaBank (VBNK) Earnings History
Annual and quarterly earnings data from 2011 to 2025
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VBNK EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
VBNK Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 100.0% | 34.5% | 23.7% |
| 2024 | 100.0% | 49.1% | 35.6% |
| 2023 | 45.4% | 24.2% | 17.7% |
| 2022 | 61.8% | 24.6% | 17.1% |
| 2021 | 69.5% | 32.5% | 23.6% |
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VersaBank (VBNK) Earnings Overview
As of May 8, 2026, VersaBank (VBNK) reported trailing twelve-month net income of $31M, reflecting -39.6% year-over-year growth. The company earned $1.34 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 ($43M 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% |
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Start ComparisonVBNK — Frequently Asked Questions
Quick answers to the most common questions about buying VBNK stock.
Is VBNK growing earnings?
VBNK EPS fell to $1.34, with earnings declining -39.6%. This contrasts with the 5-year CAGR of +1.9%. TTM net income dropped to $31M.
What are VBNK's profit margins?
VersaBank net margin is +23.7%, with operating margin at +34.5%. Above-average margins indicate pricing power.
How consistent are VBNK's earnings?
VBNK earnings data spans 2011-2025. The declining earnings trend is -39.6% YoY. Historical data enables comparison across business cycles.