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How does VBNK.TO make money? Does VBNK.TO have pricing power? What's the Earnings Whisper? Will VBNK.TO profit more as the business scales? What is VBNK.TO's management track record? Is VBNK.TO's current price justified?

VersaBank

CAD 31.44 +$10.86 (+52.77%)

TSX · 11 Sep 2026 20:00 UTC

Previous Close

CAD 30.96

Day Range

CAD 30.71CAD 31.49

Year Range

CAD 15.8CAD 34

Market Cap

1.01B

AVG Volume

33.19K

Trailing/Forward PE

29.94/11.56

PEG ratio

0.45

Dividend Yield

0.32%

Next Earnings Date

2026-12-16

Primary Exchange

Toronto Stock Exchange

Revenue (CAD)

VBNK.TO Revenue (CAD) by year
Period	Revenue (CAD)
2025	304.15M
2024	247.7M
2023	237.92M
2022	132.54M
2021	94.69M
2020	86.15M
2019	88.33M
2018	81.1M
2017	71.62M
2016	70.94M

Net Income (CAD)

VBNK.TO Net Income (CAD) by year
Period	Net Income (CAD)
2025	28.46M
2024	39.75M
2023	42.16M
2022	22.66M
2021	22.38M
2020	19.41M
2019	20.2M
2018	18.07M
2017	19.47M
2016	8.47M

Operating Income (CAD)

VBNK.TO Operating Income (CAD) by year
Period	Operating Income (CAD)
2025	41.49M
2024	54.79M
2023	57.65M
2022	32.55M
2021	30.79M
2020	26.75M
2019	27.82M
2018	25.01M
2017	14.73M
2016	11.76M

EBITDA (CAD)

VBNK.TO EBITDA (CAD) by year
Period	EBITDA (CAD)
2025	44.59M
2024	57.43M
2023	59.43M
2022	34.49M
2021	32.52M
2020	27.9M
2019	28.54M
2018	25.64M
2017	15.04M
2016	11.76M

Cash Flows (CAD)

VBNK.TO Cash Flows (CAD) by year
Period	Cash Flows (CAD)
2025	100.83M
2024	254.13M
2023	136.51M
2022	-166.66M
2021	-108.32M
2020	139.35M
2019	19.54M
2018	-15.9M
2017	75.64M
2016	-46.72M

EPS (CAD)

VBNK.TO EPS (CAD) by year
Period	EPS (CAD)
2025	0.9
2024	1.49
2023	1.57
2022	0.8
2021	0.94
2020	0.84
2019	0.89
2018	0.78
2017	0.86
2016	0.33

Expenses (CAD)

VBNK.TO Expenses (CAD) by year
Period	Expenses (CAD)
2025	72.67M
2024	71.72M
2023	46.84M
2022	46.11M
2021	39.31M
2020	25.57M
2019	24.21M
2018	25.03M
2017	27.3M
2016	23.57M

Cash & Debt (CAD)

VBNK.TO Cash & Debt (CAD) by year
Period	Cash & Debt (CAD)
2025	582.66M
2024	226.21M
2023	132.24M
2022	89.53M
2021	272.48M
2020	257.64M
2019	139.15M
2018	129.78M
2017	159.91M
2016	93.96M

Debt ratios

VBNK.TO Debt ratios by year
Period	Debt ratios
2025	-2.42
2024	-0.64
2023	-0.14
2022	0.16
2021	-1.5
2020	-2.48
2019	-1.25
2018	-1.41

Margins

VBNK.TO Margins by year
Period	Margins
2025	39.53%
2024	45.18%
2023	45.4%
2022	61.82%
2021	69.49%
2020	63.29%
2019	61.38%
2018	63.32%
2017	61.39%
2016	54.71%

Return on Capital

VBNK.TO Return on Capital by year
Period	Return on Capital
2025	5.34%
2024	9.96%
2023	11.18%
2022	6.46%
2021	6.74%
2020	7.6%
2019	8.41%
2018	8.08%
2017	9.34%
2016	4.56%

Shares Outstanding

VBNK.TO Shares Outstanding by year
Period	Shares Outstanding
2025	31.95M
2024	25.97M
2023	26.57M
2022	27.25M
2021	23.6M
2020	23.85M
2019	23.5M
2018	24.6M
2017	26.25M
2016	19.98M

Dividends (CAD)

VBNK.TO Dividends (CAD) by year
Period	Dividends (CAD)
2026	0.1
2025	0.1
2024	0.1
2023	0.1
2022	0.1
2021	0.1
2020	0.1
2019	0.07
2018	0.04

Book Value Per Share (CAD)

VBNK.TO Book Value Per Share (CAD) by year
Period	Book Value Per Share (CAD)
2025	16.67
2024	15.37
2023	14.2
2022	12.87
2021	14.07
2020	10.71
2019	10.22
2018	9.09
2017	7.94
2016	9.3

Total Assets (CAD)

VBNK.TO Total Assets (CAD) by year
Period	Total Assets (CAD)
2025	5.81B
2024	4.84B
2023	4.2B
2022	3.27B
2021	2.42B
2020	1.94B
2019	1.79B
2018	1.81B
2017	1.73B
2016	1.7B

PE Ratio

VBNK.TO PE Ratio by year
Period	PE Ratio
Sep 26	33.21
Sep 26	32.58
Aug 26	28.96
Aug 26	28.8
Aug 26	29.86
Aug 26	28
Jul 26	28.57
Jul 26	28.41
Jul 26	30.11
Jul 26	31.27
Jul 26	32.01
Jun 26	27.8
Jun 26	27.34
Jun 26	28.73
Jun 26	27.48
May 26	25.75
May 26	24.85
May 26	23.73
May 26	26.28
May 26	25.01
Apr 26	28.06
Apr 26	24.53
Apr 26	26.27
Apr 26	22.72
Mar 26	21.71
Mar 26	20.7
Mar 26	21.34
Mar 26	21.9
Feb 26	25.43
Feb 26	25.85
Feb 26	24.91
Feb 26	25.36
Jan 26	23.73
Jan 26	24.22
Jan 26	24.43
Jan 26	23.66
Jan 26	23.15
Dec 25	23.13
Dec 25	23.54
Dec 25	22.39
Dec 25	19.15
Nov 25	18.61
Nov 25	18.49
Nov 25	18.67
Nov 25	18.51
Oct 25	18.83
Oct 25	16.88
Oct 25	17.14
Oct 25	16.98
Oct 25	17.69
Sep 25	18.01
Sep 25	17.77
Sep 25	16.76
Sep 25	17.02
Aug 25	15.27
Aug 25	15.31
Aug 25	15.11
Aug 25	14.37
Aug 25	16.15
Jul 25	13.06
Jul 25	13.04
Jul 25	13.09
Jul 25	13.11
Jun 25	12.87
Jun 25	12.74
Jun 25	12.3
Jun 25	11.87
May 25	13.05
May 25	13.21
May 25	12.93
May 25	12.77
May 25	12.96
Apr 25	9.86
Apr 25	10.08
Apr 25	8.49
Apr 25	8.56
Mar 25	9.22
Mar 25	9.56
Mar 25	9.69
Mar 25	9.84
Feb 25	11.87
Feb 25	11.82
Feb 25	12.7
Feb 25	13.06
Jan 25	12.99
Jan 25	10.53
Jan 25	10.68
Jan 25	10.73
Jan 25	11.01
Dec 24	10.83
Dec 24	10.75
Dec 24	12.16
Dec 24	14.13
Nov 24	13.89
Nov 24	13.17
Nov 24	12.87
Nov 24	12.48
Nov 24	11.81
Oct 24	11.26
Oct 24	11.64

Free Cash Flow Yield

VBNK.TO Free Cash Flow Yield by year
Period	Free Cash Flow Yield
Sep 26	24.92%
Sep 26	25.41%
Aug 26	28.58%
Aug 26	28.75%
Aug 26	27.72%
Aug 26	29.56%
Jul 26	28.97%
Jul 26	14.62%
Jul 26	13.79%
Jul 26	13.28%
Jul 26	12.97%
Jun 26	14.94%
Jun 26	15.19%
Jun 26	14.45%
Jun 26	15.11%
May 26	16.12%
May 26	16.71%
May 26	17.49%
May 26	15.8%
May 26	16.6%
Apr 26	12.62%
Apr 26	14.44%
Apr 26	13.49%
Apr 26	15.59%
Mar 26	16.32%
Mar 26	17.12%
Mar 26	16.6%
Mar 26	16.18%
Feb 26	13.93%
Feb 26	13.7%
Feb 26	14.22%
Feb 26	13.97%
Jan 26	14.93%
Jan 26	21.21%
Jan 26	21.03%
Jan 26	21.71%
Jan 26	22.19%
Dec 25	22.21%
Dec 25	21.83%
Dec 25	22.94%
Dec 25	26.83%
Nov 25	27.61%
Nov 25	27.79%
Nov 25	27.52%
Nov 25	27.76%
Oct 25	27.28%
Oct 25	9.05%
Oct 25	8.92%
Oct 25	9%
Oct 25	8.64%
Sep 25	8.49%
Sep 25	8.6%
Sep 25	9.12%
Sep 25	8.98%
Aug 25	10.01%
Aug 25	9.98%
Aug 25	10.11%
Aug 25	10.64%
Aug 25	9.46%
Jul 25	43.04%
Jul 25	43.09%
Jul 25	42.93%
Jul 25	42.85%
Jun 25	43.67%
Jun 25	44.1%
Jun 25	45.66%
Jun 25	47.35%
May 25	43.06%
May 25	42.52%
May 25	43.45%
May 25	43.98%
May 25	43.34%
Apr 25	64.82%
Apr 25	63.43%
Apr 25	75.29%
Apr 25	74.71%
Mar 25	69.31%
Mar 25	66.85%
Mar 25	65.95%
Mar 25	64.95%
Feb 25	53.86%
Feb 25	54.07%
Feb 25	50.35%
Feb 25	48.94%
Jan 25	49.21%
Jan 25	35.08%
Jan 25	34.59%
Jan 25	34.45%
Jan 25	33.58%
Dec 24	34.11%
Dec 24	34.38%
Dec 24	30.39%
Dec 24	26.15%
Nov 24	26.62%
Nov 24	28.05%
Nov 24	28.72%
Nov 24	29.61%
Nov 24	31.29%
Oct 24	18.78%
Oct 24	18.16%

Price to Sales

VBNK.TO Price to Sales by year
Period	Price to Sales
Sep 26	3.1
Sep 26	3.04
Aug 26	2.71
Aug 26	2.69
Aug 26	2.79
Aug 26	2.62
Jul 26	2.67
Jul 26	2.85
Jul 26	3.02
Jul 26	3.14
Jul 26	3.21
Jun 26	2.79
Jun 26	2.74
Jun 26	2.88
Jun 26	2.76
May 26	2.58
May 26	2.49
May 26	2.38
May 26	2.64
May 26	2.51
Apr 26	2.63
Apr 26	2.29
Apr 26	2.46
Apr 26	2.13
Mar 26	2.03
Mar 26	1.94
Mar 26	2
Mar 26	2.05
Feb 26	2.38
Feb 26	2.42
Feb 26	2.33
Feb 26	2.37
Jan 26	2.22
Jan 26	2.32
Jan 26	2.34
Jan 26	2.27
Jan 26	2.22
Dec 25	2.22
Dec 25	2.26
Dec 25	2.15
Dec 25	1.84
Nov 25	1.79
Nov 25	1.77
Nov 25	1.79
Nov 25	1.78
Oct 25	1.81
Oct 25	2.15
Oct 25	2.18
Oct 25	2.16
Oct 25	2.25
Sep 25	2.29
Sep 25	2.26
Sep 25	2.13
Sep 25	2.16
Aug 25	1.94
Aug 25	1.95
Aug 25	1.92
Aug 25	1.83
Aug 25	2.05
Jul 25	1.83
Jul 25	1.82
Jul 25	1.83
Jul 25	1.84
Jun 25	1.8
Jun 25	1.78
Jun 25	1.72
Jun 25	1.66
May 25	1.83
May 25	1.85
May 25	1.81
May 25	1.79
May 25	1.81
Apr 25	1.58
Apr 25	1.62
Apr 25	1.36
Apr 25	1.37
Mar 25	1.48
Mar 25	1.53
Mar 25	1.56
Mar 25	1.58
Feb 25	1.9
Feb 25	1.9
Feb 25	2.04
Feb 25	2.1
Jan 25	2.08
Jan 25	2.04
Jan 25	2.07
Jan 25	2.08
Jan 25	2.13
Dec 24	2.1
Dec 24	2.08
Dec 24	2.36
Dec 24	2.74
Nov 24	2.69
Nov 24	2.55
Nov 24	2.49
Nov 24	2.42
Nov 24	2.29
Oct 24	1.92
Oct 24	1.98

EV/EBITDA

VBNK.TO EV/EBITDA by year
Period	EV/EBITDA
Sep 26	11.4
Sep 26	11
Aug 26	8.7
Aug 26	8.59
Aug 26	9.27
Aug 26	8.09
Jul 26	8.45
Jul 26	7.51
Jul 26	8.6
Jul 26	9.34
Jul 26	9.81
Jun 26	7.12
Jun 26	6.82
Jun 26	7.71
Jun 26	6.91
May 26	5.8
May 26	5.23
May 26	4.51
May 26	6.14
May 26	5.33
Apr 26	7.28
Apr 26	5.02
Apr 26	6.13
Apr 26	3.87
Mar 26	3.22
Mar 26	2.58
Mar 26	2.99
Mar 26	3.34
Feb 26	5.59
Feb 26	5.87
Feb 26	5.26
Feb 26	5.55
Jan 26	4.51
Jan 26	4.23
Jan 26	4.36
Jan 26	3.85
Jan 26	3.51
Dec 25	3.49
Dec 25	3.76
Dec 25	2.99
Dec 25	0.81
Nov 25	0.44
Nov 25	0.36
Nov 25	0.48
Nov 25	0.38
Oct 25	0.6
Oct 25	4.18
Oct 25	4.35
Oct 25	4.24
Oct 25	4.72
Sep 25	4.93
Sep 25	4.78
Sep 25	4.09
Sep 25	4.27
Aug 25	3.09
Aug 25	3.12
Aug 25	2.98
Aug 25	2.48
Aug 25	3.68
Jul 25	0.44
Jul 25	0.43
Jul 25	0.47
Jul 25	0.48
Jun 25	0.31
Jun 25	0.23
Jun 25	-0.07
Jun 25	-0.37
May 25	0.44
May 25	0.55
May 25	0.36
May 25	0.25
May 25	0.38
Apr 25	4.78
Apr 25	4.93
Apr 25	3.83
Apr 25	3.87
Mar 25	4.34
Mar 25	4.57
Mar 25	4.66
Mar 25	4.77
Feb 25	6.17
Feb 25	6.14
Feb 25	6.74
Feb 25	6.99
Jan 25	6.94
Jan 25	5.3
Jan 25	5.4
Jan 25	5.44
Jan 25	5.63
Dec 24	5.51
Dec 24	5.45
Dec 24	6.45
Dec 24	7.85
Nov 24	7.68
Nov 24	7.17
Nov 24	6.95
Nov 24	6.68
Nov 24	6.2
Oct 24	6.57
Oct 24	6.84

Price/Operating Cashflow

VBNK.TO Price/Operating Cashflow by year
Period	Price/Operating Cashflow
Sep 26	5.04
Sep 26	4.95
Aug 26	4.4
Aug 26	4.37
Aug 26	4.54
Aug 26	4.25
Jul 26	4.34
Jul 26	12.27
Jul 26	13.01
Jul 26	13.51
Jul 26	13.83
Jun 26	12.01
Jun 26	11.81
Jun 26	12.41
Jun 26	11.87
May 26	11.12
May 26	10.74
May 26	10.25
May 26	11.35
May 26	10.8
Apr 26	17.97
Apr 26	15.7
Apr 26	16.82
Apr 26	14.55
Mar 26	13.9
Mar 26	13.25
Mar 26	13.66
Mar 26	14.02
Feb 26	16.28
Feb 26	16.55
Feb 26	15.95
Feb 26	16.23
Jan 26	15.19
Jan 26	4.7
Jan 26	4.74
Jan 26	4.59
Jan 26	4.49
Dec 25	4.49
Dec 25	4.56
Dec 25	4.34
Dec 25	3.71
Nov 25	3.61
Nov 25	3.58
Nov 25	3.62
Nov 25	3.59
Oct 25	3.65
Oct 25	10.42
Oct 25	10.57
Oct 25	10.47
Oct 25	10.91
Sep 25	11.11
Sep 25	10.96
Sep 25	10.34
Sep 25	10.5
Aug 25	9.42
Aug 25	9.45
Aug 25	9.32
Aug 25	8.86
Aug 25	9.96
Jul 25	2.28
Jul 25	2.27
Jul 25	2.28
Jul 25	2.29
Jun 25	2.24
Jun 25	2.22
Jun 25	2.15
Jun 25	2.07
May 25	2.28
May 25	2.3
May 25	2.26
May 25	2.23
May 25	2.26
Apr 25	1.44
Apr 25	1.47
Apr 25	1.24
Apr 25	1.25
Mar 25	1.34
Mar 25	1.39
Mar 25	1.41
Mar 25	1.43
Feb 25	1.73
Feb 25	1.72
Feb 25	1.85
Feb 25	1.9
Jan 25	1.89
Jan 25	2.57
Jan 25	2.61
Jan 25	2.62
Jan 25	2.69
Dec 24	2.65
Dec 24	2.62
Dec 24	2.97
Dec 24	3.45
Nov 24	3.39
Nov 24	3.22
Nov 24	3.14
Nov 24	3.05
Nov 24	2.88
Oct 24	4.57
Oct 24	4.73

Price to Book

VBNK.TO Price to Book by year
Period	Price to Book
Sep 26	1.83
Sep 26	1.79
Aug 26	1.59
Aug 26	1.58
Aug 26	1.64
Aug 26	1.54
Jul 26	1.57
Jul 26	1.64
Jul 26	1.74
Jul 26	1.81
Jul 26	1.85
Jun 26	1.61
Jun 26	1.58
Jun 26	1.66
Jun 26	1.59
May 26	1.49
May 26	1.44
May 26	1.37
May 26	1.52
May 26	1.45
Apr 26	1.5
Apr 26	1.31
Apr 26	1.4
Apr 26	1.21
Mar 26	1.16
Mar 26	1.11
Mar 26	1.14
Mar 26	1.17
Feb 26	1.36
Feb 26	1.38
Feb 26	1.33
Feb 26	1.35
Jan 26	1.27
Jan 26	1.32
Jan 26	1.33
Jan 26	1.29
Jan 26	1.26
Dec 25	1.26
Dec 25	1.28
Dec 25	1.22
Dec 25	1.04
Nov 25	1.01
Nov 25	1.01
Nov 25	1.02
Nov 25	1.01
Oct 25	1.03
Oct 25	1.02
Oct 25	1.03
Oct 25	1.02
Oct 25	1.07
Sep 25	1.09
Sep 25	1.07
Sep 25	1.01
Sep 25	1.03
Aug 25	0.92
Aug 25	0.92
Aug 25	0.91
Aug 25	0.87
Aug 25	0.97
Jul 25	0.88
Jul 25	0.88
Jul 25	0.88
Jul 25	0.89
Jun 25	0.87
Jun 25	0.86
Jun 25	0.83
Jun 25	0.8
May 25	0.88
May 25	0.89
May 25	0.87
May 25	0.86
May 25	0.88
Apr 25	0.98
Apr 25	1
Apr 25	0.85
Apr 25	0.85
Mar 25	0.92
Mar 25	0.95
Mar 25	0.97
Mar 25	0.98
Feb 25	1.18
Feb 25	1.18
Feb 25	1.26
Feb 25	1.3
Jan 25	1.29
Jan 25	1.2
Jan 25	1.22
Jan 25	1.23
Jan 25	1.26
Dec 24	1.24
Dec 24	1.23
Dec 24	1.39
Dec 24	1.61
Nov 24	1.59
Nov 24	1.5
Nov 24	1.47
Nov 24	1.43
Nov 24	1.35
Oct 24	1.32
Oct 24	1.37

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News: VBNK.TO

gurufocus.com · 24 Jul 2026

VERSABANK TO PARTICIPATE IN THE KBW SUMMER BANK CONFERENCE IN NEW YORK CITY ON JULY 28-29, 2026

VERSABANK TO PARTICIPATE IN THE KBW SUMMER BANK CONFERENCE IN NEW YORK CITY ON JULY 28-29, 2026 PR Newswire LOND

gurufocus.com · 29 Jun 2026

VERSABANK DONATES $60,000 TO THE SALVATION ARMY'S HARVEST HOPE CAMPAIGN

VERSABANK DONATES $60,000 TO THE SALVATION ARMY'S HARVEST HOPE CAMPAIGN PR Newswire LONDON, ON, June 29, 2026

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News: VBNK.TO

VERSABANK TO PARTICIPATE IN THE KBW SUMMER BANK CONFERENCE IN NEW YORK CITY ON JULY 28-29, 2026

VERSABANK DONATES $60,000 TO THE SALVATION ARMY'S HARVEST HOPE CAMPAIGN

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