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VBNK VersaBank

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  • 19.300
  • -0.415-2.10%
15min DelayMarket Closed Jan 10 16:00 ET
627.48MMarket Cap12.95P/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%272.71M 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 ---- ---- ---- ---- --0 ---- ---- ---- ----
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 ---- ---- ---- ---- --0 ---- ---- ---- ----
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 ---- ---- ---- ---- --0 ---- ---- ---- ----
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: 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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