VersaBank (VBNK) Net Margin (2021 - 2026)
VersaBank (VBNK) posted quarterly Net Margin of 30.31% for Q1 2026, up 105.0% year-on-year from 14.79% in Q1 2025, and up 0.84% on a QoQ basis from 30.06% in Q4 2025.
VersaBank (VBNK) Net Margin (2021 - 2026) Analysis & Trends
VersaBank (VBNK) has reported Net Margin for 6 consecutive years, with 30.31% the latest figure, recorded in Q1 2026.
- Quarterly Net Margin rose 105.0% year-over-year to 30.31% in Q1 2026, while the trailing twelve-month figure through Jan 2026 was 27.53% (down 433.0% YoY) and the FY2025 annual result came in at 29.6%, down 601.0% from the prior year.
- Net Margin rose to 30.31% in Q1 2026 per VBNK's latest filing, from 30.06% in the prior quarter.
- Over the last five years, Net Margin for VBNK reached as high as 1445.96% in Q4 2022 and fell as low as 20.22% in Q4 2024.
- A 5-year average of 115.6% and a median of 30.47% in 2022 frame the typical range for Net Margin.
- The largest YoY upside for Net Margin was 1193 bps in 2023 against a maximum downside of 140319 bps in 2023.
- Year by year, Net Margin stood at 1445.96% in 2022, then plunged by 97 bps to 42.78% in 2023, then plunged by 53 bps to 20.22% in 2024, then jumped by 49 bps to 30.06% in 2025, then increased by 1 bps to 30.31% in 2026.
- According to Business Quant data, Net Margin over the past three periods registered 30.31%, 30.06%, and 20.84% for Q1 2026, Q4 2025, and Q3 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | KB Financial | 43,124.21 Bn | 43,125.44 Bn | -775,612.08 | 401,783.65% |
| 2 | Shinhan Financial | 33,971.34 Bn | 33,973.00 Bn | - | 8,284,010.29% |
| 3 | Bank Of Chile | 4,105.33 Bn | 4,105.33 Bn | 167,623.00 | 0.00% |
| 4 | NatWest | 768.74 Bn | 572.78 Bn | 1.79 Bn | 32.86% |
| 5 | Mizuho Financial | 385.64 Bn | 389.59 Bn | - | 0.38% |
| 6 | Lloyds Banking | 358.14 Bn | 358.14 Bn | - | 27.26% |
| 7 | First Capital | 200.03 Bn | 199.69 Bn | - | 251.63% |
| 8 | Landmark Bancorp | 187.97 Bn | 187.94 Bn | - | 28.90% |
| 9 | Pnc Financial Services | 100.96 Bn | 101.01 Bn | - | 27.35% |
| 10 | VersaBank | 633.94 Mn | 633.94 Mn | - | 30.31% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jan 31, 2026 | 30.31% |
| Oct 31, 2025 | 30.06% |
| Jul 31, 2025 | 20.84% |
| Apr 30, 2025 | 28.30% |
| Jan 31, 2025 | 29.26% |
| Oct 31, 2024 | 20.22% |
| Jul 31, 2024 | 35.95% |
| Apr 30, 2024 | 41.50% |
| Jan 31, 2024 | 44.02% |
| Oct 31, 2023 | 42.78% |
| Jul 31, 2023 | 37.24% |
| Apr 30, 2023 | 38.46% |
| Jan 31, 2023 | 36.33% |
| Oct 31, 2022 | 1,445.96% |
| Jul 31, 2022 | 26.93% |
| Apr 30, 2022 | 26.53% |
| Jan 31, 2022 | 30.47% |
| Oct 31, 2021 | 1,821.16% |
| Jun 30, 2021 | 35.97% |
| Apr 30, 2021 | 35.97% |