VersaBank Ratios and Metrics

Market cap in millions CAD. Fiscal year is November - October.

Millions CAD. Fiscal year is Nov - Oct.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2016
Period Ending	Mar '26 Mar 6, 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
Market Capitalization	624	538	543	269	255	406	Upgrade
Market Cap Growth	3.14%	-0.92%	102.04%	5.52%	-37.15%	191.36%	Upgrade
Last Close Price	19.47	16.72	20.78	10.22	9.07	14.31	Upgrade
PE Ratio	20.01	18.92	14.02	6.53	11.76	19.50	Upgrade
PS Ratio	4.83	4.48	4.86	2.49	3.11	6.16	Upgrade
PB Ratio	1.15	1.01	1.36	0.71	0.73	1.22	Upgrade
Debt / Equity Ratio	0.18	0.20	0.26	0.29	0.31	0.30	Upgrade
Net Debt / Equity Ratio	-0.97	-0.89	-0.30	-0.06	0.06	-0.51	Upgrade
Net Debt / FCF Ratio	0.57	0.70	0.45	0.03	-0.02	0.43	Upgrade
Return on Equity (ROE)	5.90%	6.11%	10.24%	11.59%	6.64%	7.62%	Upgrade
Return on Assets (ROA)	0.56%	0.53%	0.88%	1.13%	0.80%	1.03%	Upgrade
Earnings Yield	5.03%	5.29%	7.31%	15.67%	8.89%	5.52%	Upgrade
FCF Yield	-148.53%	-126.34%	-49.53%	-277.41%	-323.07%	-97.50%	Upgrade
Dividend Yield	0.51%	0.60%	0.48%	0.98%	1.10%	0.70%	Upgrade
Payout Ratio	10.26%	11.37%	9.03%	8.54%	16.46%	17.18%	Upgrade
Buyback Yield / Dilution	-20.18%	-21.34%	1.17%	4.20%	-26.08%	-2.98%	Upgrade
Total Shareholder Return	-19.67%	-20.74%	1.65%	5.18%	-24.98%	-2.28%	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.