CA Stock MarketDetailed Quotes

VBNK VersaBank

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  • 17.930
  • +0.380+2.17%
15min DelayMarket Closed Sep 13 16:00 ET
465.54MMarket Cap10.19P/E (TTM)

VersaBank Key Stats

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

Quarterly+Annual
YOY yoy
Hide blank lines yoy
(Q3)Jul 31, 2024
(Q2)Apr 30, 2024
(Q1)Jan 31, 2024
(FY)Oct 31, 2023
(Q4)Oct 31, 2023
(Q3)Jul 31, 2023
(Q2)Apr 30, 2023
(Q1)Jan 31, 2023
(FY)Oct 31, 2022
(Q4)Oct 31, 2022
Operating cash flow (Indirect Method)
Cash flow from continuing operating activities
664.39%86.91M
160.51%50.62M
-153.00%-18.11M
390.06%94.72M
-79.72%29.74M
110.60%11.37M
-52.41%19.43M
130.28%34.17M
69.85%-32.65M
249.55%146.67M
Net income from continuing operations
-2.98%9.71M
15.25%11.83M
34.85%12.7M
86.08%42.16M
94.10%12.48M
74.88%10M
107.63%10.26M
69.19%9.42M
1.24%22.66M
8.78%6.43M
Operating gains losses
-4,964.65%-16.1M
151.20%5.97M
-82.57%1.86M
10.74%10.51M
80.58%11.17M
-76.56%331K
-2,051.48%-11.66M
338.81%10.66M
1,176.99%9.49M
1,350.10%6.19M
Depreciation and amortization
35.96%586K
40.44%632K
22.91%574K
-8.00%1.78M
-14.20%435K
-5.90%431K
-6.83%450K
-4.69%467K
12.09%1.94M
11.18%507K
Finance costs and discount amortization
-109.58%-39K
--27K
84.43%-83K
70.92%-155K
89.57%-29K
259.61%407K
--0
---533K
---533K
---278K
Provision for loans, leases and other losses
-100.58%-1K
-93.25%16K
-132.99%-127K
35.03%609K
-189.76%-184K
3.01%171K
203.85%237K
19,150.00%385K
240.06%451K
173.48%205K
Remuneration paid in stock
-62.50%72K
-62.50%72K
-61.52%132K
-38.58%901K
-58.87%174K
-54.72%192K
-54.72%192K
75.00%343K
--1.47M
--423K
Deferred tax
-1.26%3.76M
29.29%4.47M
12.54%4.26M
56.55%15.48M
15.43%4.44M
78.10%3.81M
87.28%3.46M
83.37%3.78M
17.61%9.89M
72.53%3.84M
Other non cashItems
-0.06%-24.94M
-6.64%-26.24M
-9.45%-26.57M
-30.50%-100.05M
-16.74%-26.24M
-24.26%-24.93M
-42.73%-24.61M
-43.76%-24.27M
-27.44%-76.67M
-39.21%-22.48M
Change in working capital
1,651.81%94.71M
74.36%29.8M
-411.09%-29.95M
116.56%12.44M
-106.50%-8.18M
94.95%-6.1M
-55.07%17.09M
108.15%9.63M
44.05%-75.13M
220.50%125.89M
-Change in loans
87.81%-29.36M
81.68%-33.45M
45.63%-131.15M
3.42%-850.39M
-5.63%-185.78M
33.15%-240.78M
21.63%-182.63M
-116.53%-241.22M
-98.45%-880.48M
-17.69%-175.87M
-Change in other working capital
-47.13%124.06M
-68.33%63.25M
-59.66%101.2M
7.14%862.83M
-41.15%177.6M
-1.90%234.67M
-26.32%199.72M
3,847.84%250.84M
160.30%805.35M
571.27%301.76M
Interest paid (cash flow from operating activities)
-67.72%-47.14M
-69.51%-42.92M
-155.23%-39.2M
-160.82%-93.79M
-126.47%-25M
-402.79%-28.11M
-155.16%-25.32M
-63.30%-15.36M
-16.74%-35.96M
-45.65%-11.04M
Interest received (cash flow from operating activities)
21.24%70.54M
34.86%69.97M
40.67%66.63M
90.30%220.78M
66.50%63.35M
92.08%58.18M
115.40%51.88M
100.76%47.37M
35.86%116.01M
67.43%38.04M
Tax refund paid
-40.41%-4.23M
-17.66%-3.01M
-8.09%-8.33M
-154.20%-15.95M
-150.47%-2.68M
-193.85%-3.01M
-87.52%-2.55M
-173.40%-7.71M
-352.09%-6.28M
-155.50%-1.07M
Cash from discontinued operating activities
Operating cash flow
664.39%86.91M
160.51%50.62M
-153.00%-18.11M
390.06%94.72M
-79.72%29.74M
110.60%11.37M
-52.41%19.43M
130.28%34.17M
69.85%-32.65M
249.55%146.67M
Investing cash flow
Cash flow from continuing investing activities
63.91%-51.95M
205.37%28.78M
-79.77%18.61M
80.13%-28.14M
110.20%14.37M
-26,022.50%-143.94M
5,882.82%9.43M
287,612.50%92M
-1,577.87%-141.61M
-265,884.91%-140.87M
Net PPE purchase and sale
-19,300.00%-2.33M
-12.14%-351K
-63,908.00%-16M
37.69%-362K
-107.27%-12K
97.82%-12K
-92.02%-313K
21.88%-25K
-4,050.00%-581K
211.32%165K
Net investment purchase and sale
65.52%-49.62M
199.16%29.14M
-62.39%34.61M
80.30%-27.78M
--14.38M
---143.92M
--9.74M
--92.03M
-14,698.64%-141.03M
----
Cash from discontinued investing activities
Investing cash flow
63.91%-51.95M
205.37%28.78M
-79.77%18.61M
80.13%-28.14M
110.20%14.37M
-26,022.50%-143.94M
5,882.82%9.43M
287,612.50%92M
-1,577.87%-141.61M
-265,884.91%-140.87M
Financing cash flow
Cash flow from continuing financing activities
40.11%-1.08M
-14.44%-6.08M
88.58%-1.07M
-174.75%-17.31M
73.93%-790K
-89.01%-1.81M
-337.76%-5.31M
-752.86%-9.41M
-104.80%-6.3M
-104.20%-3.03M
Net issuance payments of debt
-4.55%-184K
-2,860.00%-5.18M
-0.57%-177K
-9.03%-700K
0.00%-173K
-738.10%-176K
37.28%-175K
-4.14%-176K
-100.81%-642K
-6.13%-173K
Net commonstock issuance
--0
--0
--0
-574.20%-13.01M
114.51%280K
---734K
---4.24M
---8.32M
-102.64%-1.93M
---1.93M
Cash dividends paid
-0.22%-897K
0.11%-897K
1.43%-897K
3.46%-3.6M
3.24%-897K
4.18%-895K
3.85%-898K
2.57%-910K
3.04%-3.73M
0.43%-927K
Cash from discontinued financing activities
Financing cash flow
40.11%-1.08M
-14.44%-6.08M
88.58%-1.07M
-174.75%-17.31M
73.93%-790K
-89.01%-1.81M
-337.76%-5.31M
-752.86%-9.41M
-104.80%-6.3M
-104.20%-3.03M
Net cash flow
Beginning cash position
-11.11%198.81M
-36.68%127.51M
49.29%132.24M
-67.38%88.58M
4.17%87.73M
12.87%223.66M
29.72%201.37M
-67.38%88.58M
5.39%271.52M
-71.65%84.21M
Current changes in cash
125.22%33.88M
211.40%73.33M
-100.49%-575K
127.28%49.27M
1,462.03%43.32M
-23.50%-134.37M
-40.32%23.55M
202.43%116.77M
-1,331.87%-180.57M
110.71%2.77M
Effect of exchange rate changes
1,077.12%15.29M
-61.27%-2.03M
-4.47%-4.16M
-135.96%-5.6M
-24.65%1.2M
69.56%-1.57M
-136.45%-1.26M
-74.18%-3.98M
-204.88%-2.38M
290.69%1.59M
End cash position
182.68%247.98M
-11.11%198.81M
-36.68%127.51M
49.29%132.24M
49.29%132.24M
4.17%87.73M
12.87%223.66M
29.72%201.37M
-67.38%88.58M
-67.38%88.58M
Free cash from
644.70%84.58M
162.93%50.27M
-199.90%-34.12M
383.90%94.36M
-79.75%29.73M
110.53%11.36M
-52.99%19.12M
130.25%34.15M
69.32%-33.24M
249.80%146.83M
Accounting Standards
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
Audit Opinions
--
--
--
Unqualified Opinion
--
--
--
--
Unqualified Opinion
--
(Q3)Jul 31, 2024(Q2)Apr 30, 2024(Q1)Jan 31, 2024(FY)Oct 31, 2023(Q4)Oct 31, 2023(Q3)Jul 31, 2023(Q2)Apr 30, 2023(Q1)Jan 31, 2023(FY)Oct 31, 2022(Q4)Oct 31, 2022
Operating cash flow (Indirect Method)
Cash flow from continuing operating activities 664.39%86.91M160.51%50.62M-153.00%-18.11M390.06%94.72M-79.72%29.74M110.60%11.37M-52.41%19.43M130.28%34.17M69.85%-32.65M249.55%146.67M
Net income from continuing operations -2.98%9.71M15.25%11.83M34.85%12.7M86.08%42.16M94.10%12.48M74.88%10M107.63%10.26M69.19%9.42M1.24%22.66M8.78%6.43M
Operating gains losses -4,964.65%-16.1M151.20%5.97M-82.57%1.86M10.74%10.51M80.58%11.17M-76.56%331K-2,051.48%-11.66M338.81%10.66M1,176.99%9.49M1,350.10%6.19M
Depreciation and amortization 35.96%586K40.44%632K22.91%574K-8.00%1.78M-14.20%435K-5.90%431K-6.83%450K-4.69%467K12.09%1.94M11.18%507K
Finance costs and discount amortization -109.58%-39K--27K84.43%-83K70.92%-155K89.57%-29K259.61%407K--0---533K---533K---278K
Provision for loans, leases and other losses -100.58%-1K-93.25%16K-132.99%-127K35.03%609K-189.76%-184K3.01%171K203.85%237K19,150.00%385K240.06%451K173.48%205K
Remuneration paid in stock -62.50%72K-62.50%72K-61.52%132K-38.58%901K-58.87%174K-54.72%192K-54.72%192K75.00%343K--1.47M--423K
Deferred tax -1.26%3.76M29.29%4.47M12.54%4.26M56.55%15.48M15.43%4.44M78.10%3.81M87.28%3.46M83.37%3.78M17.61%9.89M72.53%3.84M
Other non cashItems -0.06%-24.94M-6.64%-26.24M-9.45%-26.57M-30.50%-100.05M-16.74%-26.24M-24.26%-24.93M-42.73%-24.61M-43.76%-24.27M-27.44%-76.67M-39.21%-22.48M
Change in working capital 1,651.81%94.71M74.36%29.8M-411.09%-29.95M116.56%12.44M-106.50%-8.18M94.95%-6.1M-55.07%17.09M108.15%9.63M44.05%-75.13M220.50%125.89M
-Change in loans 87.81%-29.36M81.68%-33.45M45.63%-131.15M3.42%-850.39M-5.63%-185.78M33.15%-240.78M21.63%-182.63M-116.53%-241.22M-98.45%-880.48M-17.69%-175.87M
-Change in other working capital -47.13%124.06M-68.33%63.25M-59.66%101.2M7.14%862.83M-41.15%177.6M-1.90%234.67M-26.32%199.72M3,847.84%250.84M160.30%805.35M571.27%301.76M
Interest paid (cash flow from operating activities) -67.72%-47.14M-69.51%-42.92M-155.23%-39.2M-160.82%-93.79M-126.47%-25M-402.79%-28.11M-155.16%-25.32M-63.30%-15.36M-16.74%-35.96M-45.65%-11.04M
Interest received (cash flow from operating activities) 21.24%70.54M34.86%69.97M40.67%66.63M90.30%220.78M66.50%63.35M92.08%58.18M115.40%51.88M100.76%47.37M35.86%116.01M67.43%38.04M
Tax refund paid -40.41%-4.23M-17.66%-3.01M-8.09%-8.33M-154.20%-15.95M-150.47%-2.68M-193.85%-3.01M-87.52%-2.55M-173.40%-7.71M-352.09%-6.28M-155.50%-1.07M
Cash from discontinued operating activities
Operating cash flow 664.39%86.91M160.51%50.62M-153.00%-18.11M390.06%94.72M-79.72%29.74M110.60%11.37M-52.41%19.43M130.28%34.17M69.85%-32.65M249.55%146.67M
Investing cash flow
Cash flow from continuing investing activities 63.91%-51.95M205.37%28.78M-79.77%18.61M80.13%-28.14M110.20%14.37M-26,022.50%-143.94M5,882.82%9.43M287,612.50%92M-1,577.87%-141.61M-265,884.91%-140.87M
Net PPE purchase and sale -19,300.00%-2.33M-12.14%-351K-63,908.00%-16M37.69%-362K-107.27%-12K97.82%-12K-92.02%-313K21.88%-25K-4,050.00%-581K211.32%165K
Net investment purchase and sale 65.52%-49.62M199.16%29.14M-62.39%34.61M80.30%-27.78M--14.38M---143.92M--9.74M--92.03M-14,698.64%-141.03M----
Cash from discontinued investing activities
Investing cash flow 63.91%-51.95M205.37%28.78M-79.77%18.61M80.13%-28.14M110.20%14.37M-26,022.50%-143.94M5,882.82%9.43M287,612.50%92M-1,577.87%-141.61M-265,884.91%-140.87M
Financing cash flow
Cash flow from continuing financing activities 40.11%-1.08M-14.44%-6.08M88.58%-1.07M-174.75%-17.31M73.93%-790K-89.01%-1.81M-337.76%-5.31M-752.86%-9.41M-104.80%-6.3M-104.20%-3.03M
Net issuance payments of debt -4.55%-184K-2,860.00%-5.18M-0.57%-177K-9.03%-700K0.00%-173K-738.10%-176K37.28%-175K-4.14%-176K-100.81%-642K-6.13%-173K
Net commonstock issuance --0--0--0-574.20%-13.01M114.51%280K---734K---4.24M---8.32M-102.64%-1.93M---1.93M
Cash dividends paid -0.22%-897K0.11%-897K1.43%-897K3.46%-3.6M3.24%-897K4.18%-895K3.85%-898K2.57%-910K3.04%-3.73M0.43%-927K
Cash from discontinued financing activities
Financing cash flow 40.11%-1.08M-14.44%-6.08M88.58%-1.07M-174.75%-17.31M73.93%-790K-89.01%-1.81M-337.76%-5.31M-752.86%-9.41M-104.80%-6.3M-104.20%-3.03M
Net cash flow
Beginning cash position -11.11%198.81M-36.68%127.51M49.29%132.24M-67.38%88.58M4.17%87.73M12.87%223.66M29.72%201.37M-67.38%88.58M5.39%271.52M-71.65%84.21M
Current changes in cash 125.22%33.88M211.40%73.33M-100.49%-575K127.28%49.27M1,462.03%43.32M-23.50%-134.37M-40.32%23.55M202.43%116.77M-1,331.87%-180.57M110.71%2.77M
Effect of exchange rate changes 1,077.12%15.29M-61.27%-2.03M-4.47%-4.16M-135.96%-5.6M-24.65%1.2M69.56%-1.57M-136.45%-1.26M-74.18%-3.98M-204.88%-2.38M290.69%1.59M
End cash position 182.68%247.98M-11.11%198.81M-36.68%127.51M49.29%132.24M49.29%132.24M4.17%87.73M12.87%223.66M29.72%201.37M-67.38%88.58M-67.38%88.58M
Free cash from 644.70%84.58M162.93%50.27M-199.90%-34.12M383.90%94.36M-79.75%29.73M110.53%11.36M-52.99%19.12M130.25%34.15M69.32%-33.24M249.80%146.83M
Accounting Standards US-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAP
Audit Opinions ------Unqualified Opinion--------Unqualified Opinion--

FY: Financial Year. Refers to the 10-K file disclosed by the listed company to the SEC.

Q: Quarter. Refers to the 10-Q file disclosed by the listed company to the SEC. Q1, Q2, Q3, and Q4 are quarterly reports each with a span of 3 months; Q6 and Q9 are cumulative reports, with Q6 including 6 months and Q9 9 months.

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