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VBNK VersaBank

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  • 21.880
  • -0.400-1.80%
15min DelayMarket Closed Dec 13 16:00 ET
568.94MMarket Cap14.68P/E (TTM)

VersaBank Key Stats

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

Quarterly+Annual
YOY yoy
Hide blank lines yoy
(FY)Oct 31, 2024
(Q4)Oct 31, 2024
(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
Operating cash flow (Indirect Method)
Cash flow from continuing operating activities
187.92%272.71M
415.41%153.28M
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
Net income from continuing operations
-5.73%39.75M
-55.80%5.52M
-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
Operating gains losses
-114.85%-1.56M
-39.93%6.71M
-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
Depreciation and amortization
47.73%2.63M
93.56%842K
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
Finance costs and discount amortization
-140.65%-373K
-858.62%-278K
-109.58%-39K
--27K
84.43%-83K
70.92%-155K
89.57%-29K
259.61%407K
--0
---533K
Asset impairment expenditure
--415K
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--0
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Provision for loans, leases and other losses
-144.01%-268K
15.22%-156K
-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
Remuneration paid in stock
-61.38%348K
-58.62%72K
-62.50%72K
-62.50%72K
-61.52%132K
-38.58%901K
-58.87%174K
-54.72%192K
-54.72%192K
75.00%343K
Deferred tax
-2.83%15.05M
-42.30%2.56M
-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
Other non cashItems
-2.60%-102.66M
5.10%-24.9M
-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
Change in working capital
1,747.78%229.86M
1,754.67%135.3M
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
-Change in loans
63.80%-307.84M
38.70%-113.89M
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
-Change in other working capital
-37.68%537.71M
40.31%249.19M
-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
Interest paid (cash flow from operating activities)
-78.77%-167.66M
-53.58%-38.4M
-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
Interest received (cash flow from operating activities)
25.41%276.88M
10.10%69.75M
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
Tax refund paid
-23.62%-19.72M
-55.18%-4.15M
-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
Cash from discontinued operating activities
Operating cash flow
187.92%272.71M
415.41%153.28M
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
Investing cash flow
Cash flow from continuing investing activities
-460.00%-157.58M
-1,165.31%-153.03M
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
Net PPE purchase and sale
-5,032.04%-18.58M
958.33%103K
-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
Net business purchase and sale
---12.12M
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--0
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Net investment purchase and sale
-356.80%-126.89M
-1,080.87%-141.02M
65.52%-49.62M
199.16%29.14M
-62.39%34.61M
80.30%-27.78M
--14.38M
---143.92M
--9.74M
--92.03M
Cash from discontinued investing activities
Investing cash flow
-460.00%-157.58M
-1,165.31%-153.03M
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
Financing cash flow
Cash flow from continuing financing activities
-34.77%-23.33M
-1,811.39%-15.1M
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
Net issuance payments of debt
-719.43%-5.74M
-12.72%-195K
-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
Net commonstock issuance
104.66%607K
116.79%607K
--0
--0
--0
-574.20%-13.01M
114.51%280K
---734K
---4.24M
---8.32M
Net preferred stock issuance
---14.62M
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--0
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Cash dividends paid
0.33%-3.59M
0.00%-897K
-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
Cash from discontinued financing activities
Financing cash flow
-34.77%-23.33M
-1,811.39%-15.1M
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
Net cash flow
Beginning cash position
49.29%132.24M
182.68%247.98M
-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
Current changes in cash
86.32%91.79M
-134.28%-14.85M
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
Effect of exchange rate changes
121.81%1.22M
-756.12%-7.88M
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
End cash position
70.33%225.25M
70.33%225.25M
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
Free cash from
169.33%254.13M
415.96%153.39M
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
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
--
--
--
--
(FY)Oct 31, 2024(Q4)Oct 31, 2024(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
Operating cash flow (Indirect Method)
Cash flow from continuing operating activities 187.92%272.71M415.41%153.28M664.39%86.91M160.51%50.62M-153.00%-18.11M390.06%94.72M-79.72%29.74M110.60%11.37M-52.41%19.43M130.28%34.17M
Net income from continuing operations -5.73%39.75M-55.80%5.52M-2.98%9.71M15.25%11.83M34.85%12.7M86.08%42.16M94.10%12.48M74.88%10M107.63%10.26M69.19%9.42M
Operating gains losses -114.85%-1.56M-39.93%6.71M-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%10.66M
Depreciation and amortization 47.73%2.63M93.56%842K35.96%586K40.44%632K22.91%574K-8.00%1.78M-14.20%435K-5.90%431K-6.83%450K-4.69%467K
Finance costs and discount amortization -140.65%-373K-858.62%-278K-109.58%-39K--27K84.43%-83K70.92%-155K89.57%-29K259.61%407K--0---533K
Asset impairment expenditure --415K------------------0----------------
Provision for loans, leases and other losses -144.01%-268K15.22%-156K-100.58%-1K-93.25%16K-132.99%-127K35.03%609K-189.76%-184K3.01%171K203.85%237K19,150.00%385K
Remuneration paid in stock -61.38%348K-58.62%72K-62.50%72K-62.50%72K-61.52%132K-38.58%901K-58.87%174K-54.72%192K-54.72%192K75.00%343K
Deferred tax -2.83%15.05M-42.30%2.56M-1.26%3.76M29.29%4.47M12.54%4.26M56.55%15.48M15.43%4.44M78.10%3.81M87.28%3.46M83.37%3.78M
Other non cashItems -2.60%-102.66M5.10%-24.9M-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
Change in working capital 1,747.78%229.86M1,754.67%135.3M1,651.81%94.71M74.36%29.8M-411.09%-29.95M116.56%12.44M-106.50%-8.18M94.95%-6.1M-55.07%17.09M108.15%9.63M
-Change in loans 63.80%-307.84M38.70%-113.89M87.81%-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
-Change in other working capital -37.68%537.71M40.31%249.19M-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%250.84M
Interest paid (cash flow from operating activities) -78.77%-167.66M-53.58%-38.4M-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
Interest received (cash flow from operating activities) 25.41%276.88M10.10%69.75M21.24%70.54M34.86%69.97M40.67%66.63M90.30%220.78M66.50%63.35M92.08%58.18M115.40%51.88M100.76%47.37M
Tax refund paid -23.62%-19.72M-55.18%-4.15M-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
Cash from discontinued operating activities
Operating cash flow 187.92%272.71M415.41%153.28M664.39%86.91M160.51%50.62M-153.00%-18.11M390.06%94.72M-79.72%29.74M110.60%11.37M-52.41%19.43M130.28%34.17M
Investing cash flow
Cash flow from continuing investing activities -460.00%-157.58M-1,165.31%-153.03M63.91%-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
Net PPE purchase and sale -5,032.04%-18.58M958.33%103K-19,300.00%-2.33M-12.14%-351K-63,908.00%-16M37.69%-362K-107.27%-12K97.82%-12K-92.02%-313K21.88%-25K
Net business purchase and sale ---12.12M------------------0----------------
Net investment purchase and sale -356.80%-126.89M-1,080.87%-141.02M65.52%-49.62M199.16%29.14M-62.39%34.61M80.30%-27.78M--14.38M---143.92M--9.74M--92.03M
Cash from discontinued investing activities
Investing cash flow -460.00%-157.58M-1,165.31%-153.03M63.91%-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
Financing cash flow
Cash flow from continuing financing activities -34.77%-23.33M-1,811.39%-15.1M40.11%-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
Net issuance payments of debt -719.43%-5.74M-12.72%-195K-4.55%-184K-2,860.00%-5.18M-0.57%-177K-9.03%-700K0.00%-173K-738.10%-176K37.28%-175K-4.14%-176K
Net commonstock issuance 104.66%607K116.79%607K--0--0--0-574.20%-13.01M114.51%280K---734K---4.24M---8.32M
Net preferred stock issuance ---14.62M------------------0----------------
Cash dividends paid 0.33%-3.59M0.00%-897K-0.22%-897K0.11%-897K1.43%-897K3.46%-3.6M3.24%-897K4.18%-895K3.85%-898K2.57%-910K
Cash from discontinued financing activities
Financing cash flow -34.77%-23.33M-1,811.39%-15.1M40.11%-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
Net cash flow
Beginning cash position 49.29%132.24M182.68%247.98M-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%88.58M
Current changes in cash 86.32%91.79M-134.28%-14.85M125.22%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
Effect of exchange rate changes 121.81%1.22M-756.12%-7.88M1,077.12%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
End cash position 70.33%225.25M70.33%225.25M182.68%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
Free cash from 169.33%254.13M415.96%153.39M644.70%84.58M162.93%50.27M-199.90%-34.12M383.90%94.36M-79.75%29.73M110.53%11.36M-52.99%19.12M130.25%34.15M
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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