VersaBank (VBNK) Net Margin (2021 - 2026)
VersaBank (VBNK) recorded Net Margin of 25.92% in fiscal Q3 2026 (quarter ended Jul 31, 2026), up 5.08 percentage points from 20.84% a year earlier and up 6.27 percentage points from the prior quarter.
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Analysis
VersaBank (VBNK) Net Margin (2021 - 2026) Analysis & Trends
On a TTM basis, VersaBank's Net Margin came in at 22.75% as of Jul 31, 2026, down 1.80 percentage points year-over-year; for FY2025 (ended Oct 31, 2025), it was 22.66%, down 10.49 percentage points from FY2024.
- Annual Net Margin has a five-year change of -13.15 percentage points (FY2020 to FY2025).
- Across earlier fiscal years, Net Margin came in at 33.15% in FY2024 (-5.66 pp), 38.81% in FY2023 (+11.31 pp), 27.50% in FY2022 (-6.74 pp) and 34.24% in FY2021 (-1.57 pp).
- Quarterly Net Margin has ranged from 14.83% in fiscal Q4 2025 to 44.02% in fiscal Q1 2024 over the past five years.
- On a year-over-year basis, Net Margin rose in two of the last eight quarters, with an average year-over-year change of -9.19 percentage points.
- Peak year-over-year performance for Net Margin in the last five years was a gain of 14.26 percentage points in fiscal Q4 2023, against a drop of 22.56 percentage points in fiscal Q4 2024 at the low end.
- Per Business Quant, the preceding three fiscal quarters came in at 19.65% (Q2 2026), 30.31% (Q1 2026) and 14.83% (Q4 2025).
Peer Set
Peer Comparison
Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jul 31, 2026 | 25.92% |
| Apr 30, 2026 | 19.65% |
| Jan 31, 2026 | 30.31% |
| Oct 31, 2025 | 14.83% |
| 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 | 28.51% |
| Jul 31, 2022 | 26.93% |
| Apr 30, 2022 | 26.53% |
| Jan 31, 2022 | 30.47% |
| Oct 31, 2021 | 32.41% |
API Access
VersaBank Net 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=net-margin&ticker=VBNK&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-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=net-margin&ticker=VBNK&period=max&api_key=YOUR_API_KEY");
const data = await res.json();