VersaBank (VBNK) Interest Coverage Ratio (2021 - 2026)
VersaBank (VBNK) posted quarterly Interest Coverage Ratio of 1.32 for Q1 2026, up 7.21% year-over-year from 1.23 in Q1 2025, and up 17.36% quarter-over-quarter from 1.13 in Q4 2025.
VersaBank (VBNK) Interest Coverage Ratio (2021 - 2026) Analysis & Trends
VersaBank's Interest Coverage Ratio history runs 6 years deep, the most recent figure standing at 1.32 for Q1 2026.
- In Q1 2026, Interest Coverage Ratio rose 7.21% year-over-year to 1.32; the TTM figure through Jan 2026 stood at 1.25 (up 3.15% YoY), while the FY2025 annual figure was 1.29, down 0.51% from the prior year.
- Interest Coverage Ratio for Q1 2026 stood at 1.32, up from 1.13 in the prior quarter.
- The five-year high for Interest Coverage Ratio was 11.64 in Q2 2024, with the low at 1.05 in Q4 2024.
- The 5-year median for Interest Coverage Ratio is 1.97 (2022), against an average of 5.01.
- The sharpest annual moves came in 2022 and 2023: Interest Coverage Ratio plunged 89.66% in 2022, then jumped 75.13% in 2023.
- VersaBank's Interest Coverage Ratio stood at 1.24 in 2022, then slipped by 8.13% to 1.14 in 2023, then slipped by 7.94% to 1.05 in 2024, then increased by 7.81% to 1.13 in 2025, then climbed by 17.36% to 1.32 in 2026.
- Business Quant data shows VBNK's Interest Coverage Ratio at 1.32 in Q1 2026, 1.13 in Q4 2025, and 7.47 in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.84 Bn | 84.64 Bn | - | - |
| 2 | Pnc Financial Services | 97.97 Bn | 97.97 Bn | - | 2.00 |
| 3 | Us Bancorp | 96.43 Bn | 96.43 Bn | - | 1.84 |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.92 Bn | -144.17 Bn | - | 0.27 |
| 6 | Deutsche Bank Aktiengesellschaft | 72.17 Bn | -81.14 Bn | - | 1.49 |
| 7 | Nu Holdings | 70.88 Bn | 57.19 Bn | 2.35 Bn | - |
| 8 | Truist Financial | 61.81 Bn | 61.81 Bn | - | 1.77 |
| 9 | Fifth Third Bancorp | 49.96 Bn | 26.24 Bn | - | 1.90 |
| 10 | VersaBank | 642.00 Mn | 642.00 Mn | - | 1.22 |
Historic Data
Download Data| Date | Value |
|---|---|
| Apr 30, 2026 | 1.22 |
| Jan 31, 2026 | 1.32 |
| Oct 31, 2025 | 1.13 |
| Jul 31, 2025 | 7.47 |
| Apr 30, 2025 | 9.42 |
| Jan 31, 2025 | 1.23 |
| Oct 31, 2024 | 1.05 |
| Jul 31, 2024 | 11.01 |
| Apr 30, 2024 | 11.64 |
| Jan 31, 2024 | 1.40 |
| Oct 31, 2023 | 1.14 |
| Jul 31, 2023 | 10.62 |
| Apr 30, 2023 | 10.45 |
| Jan 31, 2023 | 1.52 |
| Oct 31, 2022 | 1.24 |
| Jul 31, 2022 | 6.66 |
| Apr 30, 2022 | 5.97 |
| Jan 31, 2022 | 1.97 |
| Oct 31, 2021 | 1.88 |
| Jun 30, 2021 | 2.21 |