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VBNK VersaBank

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  • 19.020
  • -0.370-1.91%
15min DelayPost-Market Auction Session Jan 23 15:55 ET
618.38MMarket Cap12.77P/E (TTM)

VersaBank Key Stats

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
Assets
Cash, cash equivalents and federal funds sold
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
-Cash and cash equivalents
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
Securities and investments
77.78%300.25M
77.78%300.25M
-16.27%153.98M
157.90%104.72M
163.70%133.96M
18.51%168.89M
18.51%168.89M
36.59%183.9M
4,160.76%40.61M
5,230.54%50.8M
-Available for sale securities
78.22%299.3M
78.22%299.3M
-16.35%153.03M
161.70%103.77M
166.83%133.01M
18.63%167.94M
18.63%167.94M
36.85%182.94M
--39.65M
--49.85M
-Short term investments
0.00%953K
0.00%953K
0.00%953K
0.00%953K
0.00%953K
0.00%953K
0.00%953K
0.00%953K
0.00%953K
0.00%953K
Derivative assets
-98.68%20K
-98.68%20K
-86.58%150K
921.36%1.05M
1,097.96%587K
--1.52M
--1.52M
--1.12M
--103K
--49K
Net loan
10.04%4.21B
10.04%4.21B
10.56%4.03B
17.46%4B
23.09%3.96B
28.60%3.83B
28.60%3.83B
30.04%3.64B
39.41%3.4B
45.87%3.22B
-Gross loan
10.06%4.22B
10.06%4.22B
10.55%4.03B
17.45%4B
23.08%3.97B
28.60%3.83B
28.60%3.83B
30.06%3.65B
39.43%3.41B
45.88%3.22B
-Allowance for loans and lease losses
31.44%3.3M
31.44%3.3M
-10.98%2.4M
-4.91%2.4M
4.24%2.39M
31.99%2.51M
31.99%2.51M
58.74%2.7M
64.77%2.53M
57.32%2.29M
Receivables
32.42%32.5M
32.42%32.5M
25.38%27.42M
38.38%27.62M
34.71%25.65M
32.82%24.54M
32.82%24.54M
33.21%21.87M
49.46%19.96M
64.51%19.04M
-Accounts receivable
32.42%32.5M
32.42%32.5M
25.38%27.42M
38.38%27.62M
34.71%25.65M
32.82%24.54M
32.82%24.54M
33.21%21.87M
49.46%19.96M
64.51%19.04M
Net PPE
167.18%26.62M
167.18%26.62M
163.85%27.15M
156.91%27.25M
157.70%27.44M
-9.34%9.96M
-9.34%9.96M
-8.63%10.29M
-6.47%10.61M
-7.81%10.65M
-Gross PPE
82.92%40.15M
82.92%40.15M
163.85%27.15M
156.91%27.25M
157.70%27.44M
-1.49%21.95M
-1.49%21.95M
-8.63%10.29M
-6.47%10.61M
-7.81%10.65M
-Accumulated depreciation
-12.89%-13.53M
-12.89%-13.53M
----
----
----
-6.15%-11.99M
-6.15%-11.99M
----
----
----
Goodwill and other intangible assets
185.02%24.36M
185.02%24.36M
-49.42%8.25M
-47.92%8.35M
-45.09%8.45M
-4.41%8.55M
-4.41%8.55M
80.14%16.31M
74.86%16.03M
65.73%15.38M
-Goodwill
113.78%12.3M
113.78%12.3M
0.00%5.75M
0.00%5.75M
0.00%5.75M
0.00%5.75M
0.00%5.75M
0.00%5.75M
0.00%5.75M
0.00%5.75M
-Other intangible assets
331.89%12.05M
331.89%12.05M
-76.36%2.5M
-74.75%2.59M
-72.04%2.69M
-12.37%2.79M
-12.37%2.79M
219.92%10.55M
201.05%10.28M
172.95%9.63M
Deferred assets
-81.52%750K
-81.52%750K
-14.77%2.25M
13.93%2.59M
53.52%3.08M
90.70%4.06M
90.70%4.06M
17.48%2.64M
-1.99%2.27M
-30.16%2M
Other assets
-34.93%14.4M
-34.93%14.4M
53.51%21.52M
55.76%21.17M
55.95%20.2M
35.01%22.13M
35.01%22.13M
-12.76%14.02M
-16.02%13.59M
-23.29%12.95M
Total assets
15.16%4.84B
15.16%4.84B
13.45%4.52B
17.67%4.39B
22.03%4.31B
28.65%4.2B
28.65%4.2B
29.44%3.98B
38.53%3.73B
46.22%3.53B
Liabilities
Total deposits
17.30%4.14B
17.30%4.14B
14.82%3.82B
18.83%3.69B
24.38%3.64B
32.96%3.53B
32.96%3.53B
34.46%3.33B
46.27%3.11B
58.39%2.93B
Payables
-88.04%893K
-88.04%893K
-31.32%3.11M
47.93%4.1M
32.64%2.43M
28.79%7.47M
28.79%7.47M
43.40%4.53M
30.43%2.77M
-7.39%1.83M
-Total tax payable
-88.04%893K
-88.04%893K
-31.32%3.11M
47.93%4.1M
32.64%2.43M
28.79%7.47M
28.79%7.47M
43.40%4.53M
30.43%2.77M
-7.39%1.83M
Long term debt and capital lease obligation
-1.85%108.58M
-1.85%108.58M
-0.62%104.87M
-3.80%104.52M
-0.10%106.95M
1.10%110.62M
1.10%110.62M
2.11%105.53M
5.41%108.65M
4.28%107.06M
-Long term debt
-4.07%102.5M
-4.07%102.5M
0.06%101.64M
-3.28%101.11M
0.57%103.36M
1.81%106.85M
1.81%106.85M
2.92%101.59M
6.22%104.53M
5.16%102.77M
-Long term capital lease obligation
61.12%6.08M
61.12%6.08M
-18.10%3.23M
-17.14%3.41M
-16.32%3.59M
-15.66%3.77M
-15.66%3.77M
-15.07%3.94M
-11.68%4.12M
-13.13%4.3M
Long term provisions
11.34%171.21M
11.34%171.21M
1.33%162.28M
11.58%158.18M
17.18%155.58M
21.93%153.77M
21.93%153.77M
26.05%160.15M
31.11%141.76M
15.98%132.78M
Non current deferred liabilities
-80.71%141K
-80.71%141K
-49.62%332K
-47.87%355K
0.71%709K
-7.00%731K
-7.00%731K
-14.30%659K
-16.13%681K
-17.66%704K
Other liabilities
-25.47%13.79M
-25.47%13.79M
-7.38%15.67M
155.46%27.57M
28.25%16.28M
18.07%18.5M
18.07%18.5M
-12.36%16.92M
-7.63%10.79M
11.27%12.69M
Total liabilities
16.08%4.44B
16.08%4.44B
13.60%4.11B
18.24%3.99B
23.27%3.92B
31.18%3.82B
31.18%3.82B
32.51%3.62B
43.48%3.37B
53.03%3.18B
Shareholders'equity
Share capital
-5.63%215.61M
-5.63%215.61M
0.12%228.47M
-0.18%228.47M
-1.74%228.47M
-4.66%228.47M
-4.66%228.47M
-5.44%228.19M
-5.16%228.88M
-3.65%232.51M
-common stock
0.37%215.61M
0.37%215.61M
0.13%214.82M
-0.19%214.82M
-1.85%214.82M
-4.94%214.82M
-4.94%214.82M
-5.77%214.54M
-5.46%215.23M
-3.87%218.87M
-Preferred stock
--0
--0
0.00%13.65M
0.00%13.65M
0.00%13.65M
0.00%13.65M
0.00%13.65M
0.00%13.65M
0.00%13.65M
0.00%13.65M
Additional paid-in capital
-1.11%2.49M
-1.11%2.49M
19.24%2.79M
26.55%2.72M
35.29%2.65M
55.89%2.51M
55.89%2.51M
96.72%2.34M
180.65%2.15M
473.31%1.96M
Retained earnings
24.10%181.24M
24.10%181.24M
32.07%177.58M
34.59%168.78M
35.33%157.85M
33.57%146.04M
33.57%146.04M
29.20%134.46M
26.30%125.4M
22.42%116.64M
Gains losses not affecting retained earnings
-199.24%-130K
-199.24%-130K
171.15%141K
47.87%139K
1.39%73K
32.32%131K
32.32%131K
-22.39%52K
118.60%94K
453.85%72K
Total stockholders'equity
5.85%399.2M
5.85%399.2M
12.04%408.99M
12.22%400.1M
10.78%389.03M
7.55%377.16M
7.55%377.16M
5.31%365.04M
4.42%356.52M
4.22%351.18M
Total equity
5.85%399.2M
5.85%399.2M
12.04%408.99M
12.22%400.1M
10.78%389.03M
7.55%377.16M
7.55%377.16M
5.31%365.04M
4.42%356.52M
4.22%351.18M
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
Assets
Cash, cash equivalents and federal funds sold 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
-Cash and cash equivalents 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
Securities and investments 77.78%300.25M 77.78%300.25M -16.27%153.98M 157.90%104.72M 163.70%133.96M 18.51%168.89M 18.51%168.89M 36.59%183.9M 4,160.76%40.61M 5,230.54%50.8M
-Available for sale securities 78.22%299.3M 78.22%299.3M -16.35%153.03M 161.70%103.77M 166.83%133.01M 18.63%167.94M 18.63%167.94M 36.85%182.94M --39.65M --49.85M
-Short term investments 0.00%953K 0.00%953K 0.00%953K 0.00%953K 0.00%953K 0.00%953K 0.00%953K 0.00%953K 0.00%953K 0.00%953K
Derivative assets -98.68%20K -98.68%20K -86.58%150K 921.36%1.05M 1,097.96%587K --1.52M --1.52M --1.12M --103K --49K
Net loan 10.04%4.21B 10.04%4.21B 10.56%4.03B 17.46%4B 23.09%3.96B 28.60%3.83B 28.60%3.83B 30.04%3.64B 39.41%3.4B 45.87%3.22B
-Gross loan 10.06%4.22B 10.06%4.22B 10.55%4.03B 17.45%4B 23.08%3.97B 28.60%3.83B 28.60%3.83B 30.06%3.65B 39.43%3.41B 45.88%3.22B
-Allowance for loans and lease losses 31.44%3.3M 31.44%3.3M -10.98%2.4M -4.91%2.4M 4.24%2.39M 31.99%2.51M 31.99%2.51M 58.74%2.7M 64.77%2.53M 57.32%2.29M
Receivables 32.42%32.5M 32.42%32.5M 25.38%27.42M 38.38%27.62M 34.71%25.65M 32.82%24.54M 32.82%24.54M 33.21%21.87M 49.46%19.96M 64.51%19.04M
-Accounts receivable 32.42%32.5M 32.42%32.5M 25.38%27.42M 38.38%27.62M 34.71%25.65M 32.82%24.54M 32.82%24.54M 33.21%21.87M 49.46%19.96M 64.51%19.04M
Net PPE 167.18%26.62M 167.18%26.62M 163.85%27.15M 156.91%27.25M 157.70%27.44M -9.34%9.96M -9.34%9.96M -8.63%10.29M -6.47%10.61M -7.81%10.65M
-Gross PPE 82.92%40.15M 82.92%40.15M 163.85%27.15M 156.91%27.25M 157.70%27.44M -1.49%21.95M -1.49%21.95M -8.63%10.29M -6.47%10.61M -7.81%10.65M
-Accumulated depreciation -12.89%-13.53M -12.89%-13.53M ---- ---- ---- -6.15%-11.99M -6.15%-11.99M ---- ---- ----
Goodwill and other intangible assets 185.02%24.36M 185.02%24.36M -49.42%8.25M -47.92%8.35M -45.09%8.45M -4.41%8.55M -4.41%8.55M 80.14%16.31M 74.86%16.03M 65.73%15.38M
-Goodwill 113.78%12.3M 113.78%12.3M 0.00%5.75M 0.00%5.75M 0.00%5.75M 0.00%5.75M 0.00%5.75M 0.00%5.75M 0.00%5.75M 0.00%5.75M
-Other intangible assets 331.89%12.05M 331.89%12.05M -76.36%2.5M -74.75%2.59M -72.04%2.69M -12.37%2.79M -12.37%2.79M 219.92%10.55M 201.05%10.28M 172.95%9.63M
Deferred assets -81.52%750K -81.52%750K -14.77%2.25M 13.93%2.59M 53.52%3.08M 90.70%4.06M 90.70%4.06M 17.48%2.64M -1.99%2.27M -30.16%2M
Other assets -34.93%14.4M -34.93%14.4M 53.51%21.52M 55.76%21.17M 55.95%20.2M 35.01%22.13M 35.01%22.13M -12.76%14.02M -16.02%13.59M -23.29%12.95M
Total assets 15.16%4.84B 15.16%4.84B 13.45%4.52B 17.67%4.39B 22.03%4.31B 28.65%4.2B 28.65%4.2B 29.44%3.98B 38.53%3.73B 46.22%3.53B
Liabilities
Total deposits 17.30%4.14B 17.30%4.14B 14.82%3.82B 18.83%3.69B 24.38%3.64B 32.96%3.53B 32.96%3.53B 34.46%3.33B 46.27%3.11B 58.39%2.93B
Payables -88.04%893K -88.04%893K -31.32%3.11M 47.93%4.1M 32.64%2.43M 28.79%7.47M 28.79%7.47M 43.40%4.53M 30.43%2.77M -7.39%1.83M
-Total tax payable -88.04%893K -88.04%893K -31.32%3.11M 47.93%4.1M 32.64%2.43M 28.79%7.47M 28.79%7.47M 43.40%4.53M 30.43%2.77M -7.39%1.83M
Long term debt and capital lease obligation -1.85%108.58M -1.85%108.58M -0.62%104.87M -3.80%104.52M -0.10%106.95M 1.10%110.62M 1.10%110.62M 2.11%105.53M 5.41%108.65M 4.28%107.06M
-Long term debt -4.07%102.5M -4.07%102.5M 0.06%101.64M -3.28%101.11M 0.57%103.36M 1.81%106.85M 1.81%106.85M 2.92%101.59M 6.22%104.53M 5.16%102.77M
-Long term capital lease obligation 61.12%6.08M 61.12%6.08M -18.10%3.23M -17.14%3.41M -16.32%3.59M -15.66%3.77M -15.66%3.77M -15.07%3.94M -11.68%4.12M -13.13%4.3M
Long term provisions 11.34%171.21M 11.34%171.21M 1.33%162.28M 11.58%158.18M 17.18%155.58M 21.93%153.77M 21.93%153.77M 26.05%160.15M 31.11%141.76M 15.98%132.78M
Non current deferred liabilities -80.71%141K -80.71%141K -49.62%332K -47.87%355K 0.71%709K -7.00%731K -7.00%731K -14.30%659K -16.13%681K -17.66%704K
Other liabilities -25.47%13.79M -25.47%13.79M -7.38%15.67M 155.46%27.57M 28.25%16.28M 18.07%18.5M 18.07%18.5M -12.36%16.92M -7.63%10.79M 11.27%12.69M
Total liabilities 16.08%4.44B 16.08%4.44B 13.60%4.11B 18.24%3.99B 23.27%3.92B 31.18%3.82B 31.18%3.82B 32.51%3.62B 43.48%3.37B 53.03%3.18B
Shareholders'equity
Share capital -5.63%215.61M -5.63%215.61M 0.12%228.47M -0.18%228.47M -1.74%228.47M -4.66%228.47M -4.66%228.47M -5.44%228.19M -5.16%228.88M -3.65%232.51M
-common stock 0.37%215.61M 0.37%215.61M 0.13%214.82M -0.19%214.82M -1.85%214.82M -4.94%214.82M -4.94%214.82M -5.77%214.54M -5.46%215.23M -3.87%218.87M
-Preferred stock --0 --0 0.00%13.65M 0.00%13.65M 0.00%13.65M 0.00%13.65M 0.00%13.65M 0.00%13.65M 0.00%13.65M 0.00%13.65M
Additional paid-in capital -1.11%2.49M -1.11%2.49M 19.24%2.79M 26.55%2.72M 35.29%2.65M 55.89%2.51M 55.89%2.51M 96.72%2.34M 180.65%2.15M 473.31%1.96M
Retained earnings 24.10%181.24M 24.10%181.24M 32.07%177.58M 34.59%168.78M 35.33%157.85M 33.57%146.04M 33.57%146.04M 29.20%134.46M 26.30%125.4M 22.42%116.64M
Gains losses not affecting retained earnings -199.24%-130K -199.24%-130K 171.15%141K 47.87%139K 1.39%73K 32.32%131K 32.32%131K -22.39%52K 118.60%94K 453.85%72K
Total stockholders'equity 5.85%399.2M 5.85%399.2M 12.04%408.99M 12.22%400.1M 10.78%389.03M 7.55%377.16M 7.55%377.16M 5.31%365.04M 4.42%356.52M 4.22%351.18M
Total equity 5.85%399.2M 5.85%399.2M 12.04%408.99M 12.22%400.1M 10.78%389.03M 7.55%377.16M 7.55%377.16M 5.31%365.04M 4.42%356.52M 4.22%351.18M
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: 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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