VersaBank (VBNK) EBT Margin (2021 - 2026)
VersaBank (VBNK) posted quarterly EBT Margin of 41.81% for Q1 2026, up 191.0% year-over-year from 14.37% in Q1 2025, and down 36.76% quarter-over-quarter from 66.12% in Q4 2025.
VersaBank (VBNK) EBT Margin (2021 - 2026) Analysis & Trends
VersaBank's EBT Margin history runs 6 years deep, the most recent figure standing at 41.81% for Q1 2026.
- In Q1 2026, EBT Margin rose 191.0% year-over-year to 41.81%; the TTM figure through Jan 2026 stood at 44.21% (down 10.0% YoY), while the FY2025 annual figure was 43.96%, down 512.0% from the prior year.
- EBT Margin for Q1 2026 stood at 41.81%, down from 66.12% in the prior quarter.
- The five-year high for EBT Margin was 66.12% in Q4 2025, with the low at 27.71% in Q3 2025.
- The 5-year median for EBT Margin is 44.76% (2022), against an average of 45.98%.
- The sharpest annual moves came in 2024 and 2025: EBT Margin sank 2839 bps in 2024, then jumped 3652 bps in 2025.
- VersaBank's EBT Margin stood at 44.76% in 2022, then increased by 30 bps to 57.99% in 2023, then slumped by 49 bps to 29.6% in 2024, then soared by 123 bps to 66.12% in 2025, then sank by 37 bps to 41.81% in 2026.
- Business Quant data shows VBNK's EBT Margin at 41.81% in Q1 2026, 66.12% in Q4 2025, and 27.71% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 119.58 Bn | 83.39 Bn | - | - |
| 2 | Pnc Financial Services | 97.75 Bn | 97.75 Bn | - | 37.61% |
| 3 | Us Bancorp | 96.33 Bn | 96.33 Bn | - | 35.39% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 73.86 Bn | -145.23 Bn | - | 55.27% |
| 6 | Deutsche Bank Aktiengesellschaft | 71.72 Bn | -81.60 Bn | - | 36.74% |
| 7 | Nu Holdings | 68.51 Bn | 54.82 Bn | 2.35 Bn | 22.42% |
| 8 | Truist Financial | 61.69 Bn | 61.69 Bn | - | 34.47% |
| 9 | Fifth Third Bancorp | 49.73 Bn | 26.00 Bn | - | 31.64% |
| 10 | VersaBank | 622.90 Mn | 622.90 Mn | - | 27.10% |
Historic Data
Download Data| Date | Value |
|---|---|
| Apr 30, 2026 | 27.10% |
| Jan 31, 2026 | 41.81% |
| Oct 31, 2025 | 66.12% |
| Jul 31, 2025 | 27.71% |
| Apr 30, 2025 | 38.93% |
| Jan 31, 2025 | 39.90% |
| Oct 31, 2024 | 29.60% |
| Jul 31, 2024 | 49.87% |
| Apr 30, 2024 | 57.19% |
| Jan 31, 2024 | 58.76% |
| Oct 31, 2023 | 57.99% |
| Jul 31, 2023 | 51.41% |
| Apr 30, 2023 | 51.42% |
| Jan 31, 2023 | 50.92% |
| Oct 31, 2022 | 44.76% |
| Jul 31, 2022 | 36.99% |
| Apr 30, 2022 | 36.44% |
| Jan 31, 2022 | 41.76% |
| Oct 31, 2021 | 44.63% |
| Jun 30, 2021 | 49.72% |