VersaBank (VBNK) Interest Coverage Ratio (2021 - 2026)
VersaBank's Interest Coverage Ratio came in at 1.26 for fiscal Q3 2026 (quarter ended Jul 31, 2026), up 5.3% from 1.20 a year earlier and up 3.5% from the prior quarter.
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Analysis
VersaBank (VBNK) Interest Coverage Ratio (2021 - 2026) Analysis & Trends
For FY2025 (ended Oct 31, 2025), VersaBank's Interest Coverage Ratio was 1.23, down 5.6% from FY2024.
- Interest Coverage Ratio has declined in each of the last three fiscal years.
- Going back by fiscal year, Interest Coverage Ratio was 1.30 in FY2024 (-10.1%), 1.45 in FY2023 (-12.3%), 1.65 in FY2022 (+64.7%) and 1.00 in FY2021 (unchanged).
- The five-year range for quarterly Interest Coverage Ratio is 1.00 (fiscal Q4 2021) to 1.97 (fiscal Q1 2022).
- Year-over-year, Interest Coverage Ratio increased in three of the last eight quarters, with an average decline of 3.8%.
- The fastest year-over-year change in Interest Coverage Ratio over five years came in fiscal Q4 2022 (growth of 55.3%), and the weakest in fiscal Q1 2023 (a decline of 22.9%).
- Business Quant data shows VBNK's Interest Coverage Ratio at 1.22 (Q2 2026), 1.32 (Q1 2026) and 1.22 (Q4 2025) in the three fiscal quarters before Q3 2026.
Peer Set
Peer Comparison
Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jul 31, 2026 | 1.26 |
| Apr 30, 2026 | 1.22 |
| Jan 31, 2026 | 1.32 |
| Oct 31, 2025 | 1.22 |
| Jul 31, 2025 | 1.20 |
| Apr 30, 2025 | 1.27 |
| Jan 31, 2025 | 1.23 |
| Oct 31, 2024 | 1.17 |
| Jul 31, 2024 | 1.29 |
| Apr 30, 2024 | 1.36 |
| Jan 31, 2024 | 1.40 |
| Oct 31, 2023 | 1.42 |
| Jul 31, 2023 | 1.39 |
| Apr 30, 2023 | 1.47 |
| Jan 31, 2023 | 1.52 |
| Oct 31, 2022 | 1.52 |
| Jul 31, 2022 | 1.56 |
| Apr 30, 2022 | 1.79 |
| Jan 31, 2022 | 1.97 |
| Oct 31, 2021 | 2.05 |
API Access
VersaBank Interest Coverage Ratio 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=interest-coverage-ratio&ticker=VBNK&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "interest-coverage-ratio", "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=interest-coverage-ratio&ticker=VBNK&period=max&api_key=YOUR_API_KEY");
const data = await res.json();