VersaBank (VBNK) financials — revenue, cash, debt and margins

Key figures

Trailing twelve months where a flow is involved, latest reported balance where it is not.

Valuation

Market cap: $708.7M
P/E (TTM): —
Price / sales: 6.76
EV / EBITDA: —
Price / book: 1.85

Cash flow

FCF yield: 18.9%
SBC-adjusted FCF yield: 18.9%
SBC impact: 0.0%
Stock compensation (TTM): $4.2K

Margins & growth

Profit margin: 22.8%
Operating margin: —
Quarterly revenue (year on year): 22.9%
Quarterly earnings (year on year): 52.8%

Balance sheet

Cash & investments: $442.9M
Debt: $2.7M
Net cash / (debt): $440.2M

What it owns and what it owes

Both on one scale, because both are money — the bar that is taller is the one that matters.

Cash and debt

Cash & InvestmentsTotal Debt

Cash counts short-term investments, not just the bank balance — technology companies park most of it in marketable securities, and leaving those out understates it several times over. Debt includes lease obligations.

The rest of the series

Not on the overview because five charts is as much as one decision needs — but here in full, on one period switch. Each bar sums the four quarters ending there — a full year, brought up to today.

Total Revenue

$104.87MQ3 2026+5.1%

1Y: +27.28%2Y: +31.00%

Everything the company sold, before any costs. Each bar sums the four quarters ending there — a full year, brought up to today.

Profit

$23.88MQ3 2026+11.4%22.8% of revenue

1Y: +17.69%2Y: -27.52%

What was left after every cost, including tax. Each bar sums the four quarters ending there — a full year, brought up to today.

Profit margin

22.8%Q3 2026+6.0%

How much of every dollar of sales the company keeps as profit. A grocer keeps a few cents; a software company can keep half. Each point covers the four quarters ending there — a full year, brought up to today.

Free Cash Flow

$133.62MQ1 2026+335.6%

1Y: -4.17%2Y: +626.22%

Cash left over after running and maintaining the business. Each bar sums the four quarters ending there — a full year, brought up to today.

Shares outstanding

32.24MQ1 2026+2.3%

How many shares the profit is divided across. Rising is dilution; falling is the company buying itself back. Restated onto today’s basis, so splits do not show as jumps. Each point covers the four quarters ending there — a full year, brought up to today.

Dividends paid

$2.27MQ1 2026-0.4%

1Y: -8.08%2Y: -10.20%

Cash handed to shareholders. A flat line at zero means the company pays none. Each bar sums the four quarters ending there — a full year, brought up to today.

About VersaBank

Ticker: VBNK
SEC classification: Commercial Banks, NEC (6029)
Listed on: Nasdaq
Incorporated in: Z4
Financial year ends: October 31
Filer size: <br>Emerging growth company

About this data

Everything above comes from VersaBank’s own filings with the SEC, as reported. No estimates, no analyst figures, nothing adjusted. This company files in CAD. Figures are converted to US dollars at $1.00 = 1.4180 CAD, the current rate, applied to every period alike — so growth and margins are the company’s own and not the exchange rate’s.

Not reported by this filer: Cost of Revenue, Gross Profit, R&D Expense, SG&A Expense, Total Operating Expenses, Operating Income, Profit per share, Non-interest Income, Non-interest Expense, Provision for Credit Losses, Deposits, Loans, Current Assets, Current Liabilities, Short-term Investments, Inventory, Receivables, Long-term Debt (noncurrent), Long-term Debt (current), Short-term Borrowings, Borrowings (total), Operating Lease (current), Operating Lease (noncurrent), Finance Lease (current), Finance Lease Liabilities (total), Finance Lease (noncurrent), and Share Repurchases. Companies choose which XBRL tags to use, and anything untagged cannot be recovered — so these are blank rather than guessed.