VersaBank (TSX:VBNK)
Canada
· Delayed Price · Currency is CAD 19.17
-0.34 (-1.74%)
Mar 9, 2026, 2:19 PM EST
VersaBank Income Statement
Financials in millions CAD. Fiscal year is November - October.
Millions CAD. Fiscal year is Nov - Oct.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2016 |
|---|---|---|---|---|---|---|---|
Period Ending | Jan '26 Jan 31, 2026 | Oct '25 Oct 31, 2025 | Oct '24 Oct 31, 2024 | Oct '23 Oct 31, 2023 | Oct '22 Oct 31, 2022 | Oct '21 Oct 31, 2021 | 2020 - 2016 |
| Interest Income on Loans | 282.23 | 273.53 | 264.88 | 215.69 | 123.19 | 88.06 | Upgrade
|
| Interest Income on Investments | 21.42 | 22.15 | 20.54 | 13.65 | 3.63 | 1.43 | Upgrade
|
| Total Interest Income | 303.65 | 295.68 | 285.42 | 229.33 | 126.82 | 89.49 | Upgrade
|
| Interest Paid on Deposits | 173.85 | 174.01 | 177.09 | 123.49 | 44.6 | 26.45 | Upgrade
|
| Interest Paid on Borrowings | 5.48 | 5.5 | 5.67 | 5.79 | 5.55 | 2.89 | Upgrade
|
| Total Interest Expense | 179.33 | 179.51 | 182.76 | 129.28 | 50.15 | 29.33 | Upgrade
|
| Net Interest Income | 124.33 | 116.17 | 102.66 | 100.05 | 76.67 | 60.16 | Upgrade
|
| Net Interest Income Growth (YoY) | 22.11% | 13.16% | 2.60% | 30.50% | 27.44% | 11.14% | Upgrade
|
| Other Non-Interest Income | 9 | 8.47 | 8.98 | 8.58 | 5.73 | 5.2 | Upgrade
|
| Total Non-Interest Income | 9 | 8.47 | 8.98 | 8.58 | 5.73 | 5.2 | Upgrade
|
| Non-Interest Income Growth (YoY) | 2.33% | -5.63% | 4.59% | 49.91% | 10.12% | 8566.67% | Upgrade
|
| Revenues Before Loan Losses | 133.33 | 124.64 | 111.63 | 108.64 | 82.39 | 65.36 | Upgrade
|
| Provision for Loan Losses | 4.09 | 4.41 | -0.27 | 0.61 | 0.45 | -0.44 | Upgrade
|
| Revenue | 129.24 | 120.23 | 111.9 | 108.03 | 81.94 | 65.8 | Upgrade
|
| Revenue Growth (YoY) | 17.78% | 7.44% | 3.59% | 31.83% | 24.54% | 20.66% | Upgrade
|
| Salaries and Employee Benefits | 39.67 | 37.9 | 32.44 | 30.53 | 25.33 | 20.24 | Upgrade
|
| Occupancy Expenses | 7.22 | 7.02 | 5.16 | 3.9 | 3.87 | 3.65 | Upgrade
|
| Selling, General & Administrative | 36.69 | 33.81 | 19.52 | 15.95 | 20.2 | 11.11 | Upgrade
|
| Total Non-Interest Expense | 83.58 | 78.74 | 57.11 | 50.38 | 49.39 | 35.01 | Upgrade
|
| EBT Excluding Unusual Items | 45.66 | 41.49 | 54.79 | 57.65 | 32.55 | 30.79 | Upgrade
|
| Pretax Income | 45.66 | 41.49 | 54.79 | 57.65 | 32.55 | 30.79 | Upgrade
|
| Income Tax Expense | 14.27 | 13.04 | 15.05 | 15.48 | 9.89 | 8.41 | Upgrade
|
| Net Income | 31.38 | 28.46 | 39.75 | 42.16 | 22.66 | 22.38 | Upgrade
|
| Preferred Dividends & Other Adjustments | - | - | 0.99 | 0.99 | 0.99 | 1.58 | Upgrade
|
| Net Income to Common | 31.38 | 28.46 | 38.76 | 41.17 | 21.67 | 20.8 | Upgrade
|
| Net Income Growth | -10.82% | -28.40% | -5.73% | 86.08% | 1.24% | 15.33% | Upgrade
|
| Basic Shares Outstanding | 32 | 32 | 26 | 26 | 27 | 22 | Upgrade
|
| Diluted Shares Outstanding | 32 | 32 | 26 | 26 | 27 | 22 | Upgrade
|
| Shares Change (YoY) | 20.18% | 21.34% | -1.17% | -4.20% | 26.08% | 2.98% | Upgrade
|
| EPS (Basic) | 0.98 | 0.90 | 1.49 | 1.57 | 0.79 | 0.96 | Upgrade
|
| EPS (Diluted) | 0.97 | 0.90 | 1.49 | 1.57 | 0.79 | 0.96 | Upgrade
|
| EPS Growth | -24.27% | -39.60% | -4.92% | 98.37% | -17.39% | 17.19% | Upgrade
|
| Dividend Per Share | 0.100 | 0.100 | 0.100 | 0.100 | 0.100 | 0.100 | Upgrade
|
| Dividend Growth | 33.33% | - | - | - | - | - | Upgrade
|
| Effective Tax Rate | 31.26% | 31.41% | 27.46% | 26.86% | 30.39% | 27.31% | Upgrade
|
Source: S&P Capital IQ. Banks template. Financial Sources.