NASDAQ · VBNK
VersaBank financials
$22.55−3.67%
Close Sep 28, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Oct 31 | FY24 Oct 31 | FY23 Oct 31 | FY22 Oct 31 | FY21 Oct 31 |
|---|---|---|---|---|---|
| Revenue | $216.4M | $211.3M | $171.4M | $97.4M | $76.5M |
| Gross profit | $88.7M | $80.1M | $78.3M | $60.5M | $52.8M |
| Gross margin | 41.0% | 37.9% | 45.7% | 62.2% | 69.0% |
| Operating income | $29.5M | $39.3M | $41.5M | $23.9M | $24.9M |
| Net income | $20.3M | $27.8M | $29.7M | $15.9M | $16.8M |
| Net margin | 9.4% | 13.2% | 17.3% | 16.3% | 22.0% |
| Diluted EPS | $0.64 | $1.07 | $1.13 | $0.58 | $0.78 |
| EBITDA | $29.5M | $39.3M | $41.5M | $23.9M | $24.9M |
| Operating cash flow | $31.6M | $195.7M | $68.3M | -$24.0M | -$87.5M |
| Free cash flow | $31.0M | $182.4M | $68.0M | -$24.4M | -$87.5M |
| Diluted shares | 31.5M | 26.0M | 26.3M | 27.4M | 21.8M |
Balance sheet
| Period end | Oct 31 | Oct 31 | Oct 31 | Oct 31 | Oct 31 |
|---|---|---|---|---|---|
| Cash & equivalents | $414.0M | $161.7M | $95.3M | $65.1M | $219.3M |
| Short-term investments | $57.6M | $214.8M | $121.0M | $104.0M | $0.00 |
| Total debt | $73.7M | $73.6M | $77.0M | $77.1M | $76.9M |
| Total assets | $4.13B | $3.47B | $3.03B | $2.40B | $1.95B |
| Total liabilities | $3.75B | $3.19B | $2.76B | $2.14B | $1.68B |
| Shareholders' equity | $379.1M | $286.5M | $271.8M | $257.6M | $268.2M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology