VersaBank

我们掌握的 VersaBank 最新季度

截至 2026年7月31日 的季度，与去年同季度相比。

这些是单季度数字，不是滚动一年——本站其他地方的数字覆盖十二个月，会大得多。季节性业务在两者之间摆动很大：ServiceNow 在十二月季度赚 20 亿美元自由现金流，在六月季度只有 5 亿。

对比对象是去年同一季度，而不是分析师预测。要说“超预期”或“不及预期”需要一致预期数据，那是我们没有的授权数据——而搞错它比不提更糟。

管理层说了什么

“The third quarter once again saw new records for credit assets, revenue and net interest income, with strong year-over-year growth driven by the continuing strong momentum in our Structured Receivable Program in the United States, as well as steady growth in Canada,”

逐字引自公告，且只在文件将其归于具名人士时才展示。

VersaBank 做什么

Strategy 4 Reorganization 7 Overview of Performance 8 Selected Financial Highlights 15 Financial Review – Earnings 16 Financial Review – Balance Sheet 22 Off-Balance Sheet Arrangements 31 Related Party Transactions 31 Capital Management and Capital Resources 32 Results of Operating Segments 34 Summary of Quarterly Results 37 Non-GAAP and Other Financial Measures 39 Material Accounting Policies and Use of Estimates and Judgements 41 Controls and Procedures 42 Additional Information 42 VersaBank – Q3 2026 MD&A 1

公司自己的描述，取自公告末尾。