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VersaBank - (VBNK) Financial History

20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.

NASDAQ · DATA UPDATED 2026-09-23

VersaBank - (VBNK) operates in the NASDAQ industry and is headquartered in London, Canada with about 131 employees. Its market capitalization is roughly $714 million. In the fiscal year ended 2025-10-31, VBNK reported C$120M in revenue and C$28M in net income.

VersaBank provides various banking products and services in Canada and the United States. The company operates through four segments: Digital Banking Canada, Digital Banking USA, DRTC (Cybersecurity), and Digital Meteor.

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VBNK Revenue & Earnings History — Annual Income Statement

Income statementTTM → 2026-07-312025-10-312024-10-312023-10-312022-10-312021-10-312020-10-312019-10-312018-10-312017-10-312016-10-312015-10-312014-10-312013-10-312012-10-312011-10-31
Total RevenueC$289MC$120MC$112MC$238MC$133MC$95MC$86MC$88MC$81MC$72MC$71MC$66MC$61MC$63MC$33MC$29M
Gross ProfitC$147MC$120MC$112MC$108MC$82MC$66MC$55MC$54MC$51MC$44MC$39MC$34MC$30MC$27MC$33MC$29M
Gross Margin %50.8%100.0%100.0%45.4%61.8%69.5%63.3%61.4%63.3%61.4%54.7%51.4%48.7%43.4%100.0%100.0%
Operating Income (EBIT)C$49MC$41MC$55MC$58MC$33MC$31MC$27MC$28MC$25MC$15MC$12MC$9MC$6MC$3MC$8MC$11M
Operating Margin %17.1%34.5%49.1%24.2%24.6%32.5%31.1%31.5%30.8%20.6%16.6%13.7%10.2%4.0%24.6%38.3%
Net IncomeC$34MC$28MC$40MC$42MC$23MC$22MC$19MC$20MC$18MC$19MC$8MC$8MC$6MC$2MC$4MC$8M
Net Margin %11.7%23.7%35.6%17.7%17.1%23.6%22.5%22.9%22.3%27.2%11.9%12.5%9.3%2.8%11.6%25.9%
EBITDAC$53MC$45MC$57MC$59MC$34MC$33MC$28MC$29MC$26MC$15MC$13MC$9MC$7MC$3MC$8MC$11M
Earnings Per Share (EPS)C$1.39C$0.90C$1.53C$1.60C$0.83C$1.03C$0.92C$0.96C$0.86C$0.93C$0.43C$0.42C$0.29C$0.11C$0.24C$0.48
Shares Outstanding (M)23M32M26M26M27M22M21M21M21M21M20M19M19M17M16M16M

CAD; C$M / C$B as marked (reporting currency). Newest period first. Source: public company filings (via Yahoo Finance aggregation).

VBNK Quarterly Revenue & Earnings — Last 8 Quarters

Quarterly income statement2026-07-312026-04-302026-01-312025-10-312025-07-312025-04-302025-01-312024-10-31
Total RevenueC$39MC$86MC$84MC$80MC$76MC$73MC$75MC$76M
Gross ProfitC$39MC$38MC$36MC$34MC$30MC$29MC$27MC$27M
Gross Margin %100.0%44.2%42.7%42.2%40.1%40.0%35.6%36.3%
Operating Income (EBIT)C$14MC$10MC$15MC$10MC$9MC$12MC$11MC$8M
Operating Margin %35.5%12.1%18.2%12.4%11.6%16.1%14.7%10.7%
Net IncomeC$10MC$8MC$11MC$5MC$7MC$9MC$8MC$6M
Net Margin %25.8%8.8%13.2%6.5%8.7%11.7%10.8%7.3%
EBITDAC$15MC$11MC$16MC$11MC$9MC$12MC$12MC$9M
Earnings Per Share (EPS)C$0.44C$0.32C$0.47C$0.16C$0.20C$0.26C$0.28C$0.21
Shares Outstanding (M)23M24M23M33M32M33M29M26M

CAD; C$M / C$B as marked (reporting currency). Newest period first. Source: public company filings (via Yahoo Finance aggregation).

VBNK Free Cash Flow History

Cash flowTTM → 2026-07-312025-10-312024-10-312023-10-312022-10-312021-10-312020-10-312019-10-312018-10-312017-10-312016-10-312015-10-312014-10-312013-10-312012-10-312011-10-31
Cash from Operations (CFO)C$16MC$44MC$273MC$95M(C$33M)(C$108M)C$140MC$20M(C$15M)C$78M(C$46M)(C$57M)(C$29M)(C$89M)(C$10M)(C$20M)
Capital Expenditures (CapEx)C$6MC$1MC$19MC$0MC$1MC$0MC$0MC$0MC$1MC$2MC$0MC$0MC$0MC$0MC$0MC$0M
Free Cash Flow (FCF)C$10MC$43MC$254MC$94M(C$33M)(C$108M)C$139MC$20M(C$16M)C$76M(C$47M)(C$57M)(C$29M)(C$89M)(C$10M)(C$20M)
FCF Margin %————————————————
Dividends PaidC$3MC$3MC$4MC$4MC$4MC$4MC$4MC$4MC$3MC$2MC$2MC$2M————

CAD; C$M / C$B as marked (reporting currency). Newest period first. Source: public company filings (via Yahoo Finance aggregation).

VBNK Quarterly Free Cash Flow — Last 8 Quarters

Quarterly cash flow2026-07-312026-04-302026-01-312025-10-312025-07-312025-04-302025-01-312024-10-31
Cash from Operations (CFO)(C$45M)(C$44M)C$56MC$49MC$184M(C$99M)(C$89M)C$153M
Capital Expenditures (CapEx)C$0MC$5MC$0MC$0MC$0MC$1MC$1MC$0M
Free Cash Flow (FCF)(C$45M)(C$50M)C$55MC$49MC$184M(C$100M)(C$91M)C$153M
FCF Margin %————————
Dividends PaidC$1MC$1MC$1MC$1MC$1MC$1MC$1MC$1M

CAD; C$M / C$B as marked (reporting currency). Newest period first. Source: public company filings (via Yahoo Finance aggregation).

VBNK Balance Sheet History

Balance sheet2026-07-312025-10-312024-10-312023-10-312022-10-312021-10-312020-10-312019-10-312018-10-312017-10-312016-10-312015-10-312014-10-312013-10-312012-10-312011-10-31
Total AssetsC$6.9BC$5.8BC$4.8BC$4.2BC$3.3BC$2.4BC$1.9BC$1.8BC$1.8BC$1.7BC$1.7BC$1.6BC$1.4BC$1.4BC$1.5BC$1.5B
Cash & Cash EquivalentsC$490MC$582MC$225MC$132MC$89MC$272MC$258MC$139MC$130MC$160MC$94MC$127MC$145MC$176MC$129MC$189M
Total LiabilitiesC$6.3BC$5.3BC$4.4BC$3.8BC$2.9BC$2.1BC$1.7BC$1.5BC$1.6BC$1.5BC$1.5BC$1.5BC$1.3BC$1.3BC$1.4BC$1.4B
Total Debt (Short + Long-Term)C$104MC$104MC$103MC$108MC$106MC$96MC$22MC$38MC$43MC$0MC$0MC$0MC$0MC$0MC$0MC$0M
Total Shareholders' EquityC$566MC$533MC$399MC$377MC$351MC$332MC$255MC$240MC$224MC$209MC$186MC$175MC$153MC$133MC$93MC$97M

CAD; C$M / C$B as marked (reporting currency). Newest period first. Source: public company filings (via Yahoo Finance aggregation).

Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive VBNK viewer.

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