VersaBank (VBNK) EBT Margin (2021 - 2026)
VersaBank's EBT Margin was 35.75% in fiscal Q3 2026 (quarter ended Jul 31, 2026), up 8.04 percentage points from 27.71% a year earlier and up 8.58 percentage points from the prior quarter.
Powered by 
Analysis
VersaBank (VBNK) EBT Margin (2021 - 2026) Analysis & Trends
On a trailing twelve-month basis, VersaBank's EBT Margin was 33.23% through Jul 31, 2026, down 0.80 percentage points year-over-year; for FY2025 (ended Oct 31, 2025), it was 32.60%, down 15.30 percentage points from FY2024.
- EBT Margin shows a five-year change of -16.77 percentage points (FY2020 to FY2025).
- In earlier fiscal years, EBT Margin was 47.91% in FY2024 (-5.16 pp), 53.06% in FY2023 (+13.56 pp), 39.50% in FY2022 (-7.61 pp) and 47.11% in FY2021 (-2.26 pp).
- Quarterly EBT Margin has moved between 27.17% (fiscal Q2 2026) and 58.76% (fiscal Q1 2024) over five years.
- Compared with a year earlier, EBT Margin was higher in two of the last eight quarters, with an average year-over-year change of -11.36 percentage points.
- The best year-over-year quarter for EBT Margin over five years was fiscal Q2 2023 (a gain of 14.99 percentage points); the worst was fiscal Q4 2024 (a drop of 28.39 percentage points).
- Per Business Quant data, VBNK's EBT Margin in the three fiscal quarters before Q3 2026 was 27.17% (Q2 2026), 41.81% (Q1 2026) and 28.22% (Q4 2025).
Peer Set
Peer Comparison
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jul 31, 2026 | 35.75% |
| Apr 30, 2026 | 27.10% |
| Jan 31, 2026 | 41.81% |
| Oct 31, 2025 | 28.22% |
| 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 | 42.36% |
| Jul 31, 2022 | 36.99% |
| Apr 30, 2022 | 36.44% |
| Jan 31, 2022 | 41.76% |
| Oct 31, 2021 | 44.63% |
API Access
VersaBank EBT Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebt-margin&ticker=VBNK&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt-margin", "ticker": "VBNK", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebt-margin&ticker=VBNK&period=max&api_key=YOUR_API_KEY");
const data = await res.json();