VersaBank reported cash from operations of -$0.03B and free cash flow of -$0.03B for the quarter ended Jul 2026, down 124.0% year over year. This cash flow statement covers 24 quarters of results from Oct 2020 through Jul 2026, standardized by Business Quant from the company’s SEC filings.
| Cash Flow StatementCash Flow | Oct2020 | Jan2021 | Apr2021 | Jul2021 | Oct2021 | Jan2022 | Apr2022 | Jul2022 | Oct2022 | Jan2023 | Apr2023 | Jul2023 | Oct2023 | Jan2024 | Apr2024 | Jul2024 | Oct2024 | Jan2025 | Apr2025 | Jul2025 | Oct2025 | Jan2026 | Apr2026 | Jul2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||||||||||||||||
| Net Income | 4.70M | 4.40M | 3.90M | 4.45M | 4.84M | 6.98M | 7.58M | 7.49M | 9.20M | 9.39M | 8.72M | 7.09M | 4.04M | 5.74M | 5.99M | 4.79M | 3.75M | 7.98M | 5.49M | 7.22M | ||||
| Depreciation, Depletion & Amortization | ||||||||||||||||||||||||
| Amortization of Intangibles | 0.36M | 0.39M | 0.38M | 0.36M | 0.38M | 0.35M | 0.33M | 0.32M | 0.32M | 0.42M | 0.47M | 0.43M | 0.62M | 0.52M | 0.51M | 0.53M | 0.65M | 0.68M | 0.69M | 0.88M | ||||
| Provision for Losses | 0.00M | 0.06M | 0.13M | 0.15M | 0.29M | 0.18M | 0.13M | -0.14M | 0.86M | -0.16M | ||||||||||||||
| Share-based Compensation | 0.15M | 0.33M | 0.33M | 0.32M | 0.25M | 0.14M | 0.14M | 0.13M | 0.10M | 0.05M | 0.05M | 0.05M | 0.05M | 0.00M | 0.01M | |||||||||
| Deferred Taxes | 6,683.92M | 1.63M | 1.46M | 1.66M | 2.89M | 2.80M | 2.56M | 2.85M | 3.27M | 3.15M | 3.30M | 2.74M | 1.87M | 2.09M | 2.25M | 1.58M | 3.39M | 3.03M | 2.08M | 2.74M | ||||
| Amortization of Securities Premiums, NetSecurities Amortization | -0.20M | -0.21M | -0.40M | 0.30M | -0.02M | -0.06M | 0.02M | -0.03M | -0.20M | -0.22M | -0.04M | -0.06M | 0.21M | -0.17M | -0.29M | -0.86M | ||||||||
| Other non-cash items | -13.07M | -13.34M | -13.55M | -15.47M | -16.77M | -17.71M | -18.01M | -19.05M | -18.99M | -18.37M | -14.94M | -29.98M | -12.29M | -14.38M | -21.19M | -20.09M | -24.22M | -27.42M | -25.33M | -22.48M | ||||
| Change in Working Capital | ||||||||||||||||||||||||
| Change in Other Operating LiabilitiesOther Liabilities Change | 27.15M | -2.67M | 219.57M | 266.60M | 130.08M | 192.24M | 131.48M | 160.36M | 139.63M | 75.33M | 39.01M | 93.62M | 176.02M | -7.73M | 53.79M | 311.56M | 165.93M | 275.29M | 196.38M | 288.71M | ||||
| Other Operating ActivitiesOther Operating | -6,789.69M | -77.12M | -174.37M | -364.41M | -7.92M | -153.20M | -126.02M | -159.50M | -102.82M | -82.89M | -6.94M | -7.44M | -64.32M | -61.86M | -111.49M | -170.88M | -183.52M | -166.86M | -222.40M | -332.66M | ||||
| Cash from Operations | -78.01M | -89.17M | 32.24M | -83.43M | 110.43M | 25.34M | 14.36M | 8.52M | 21.93M | -13.40M | 37.34M | 63.47M | 112.25M | -62.74M | -69.88M | 133.60M | 35.60M | 40.09M | -32.30M | -32.08M | ||||
| Investing Activities | ||||||||||||||||||||||||
| Capital Expenditures | -0.04M | 0.03M | 0.13M | 0.43M | -0.12M | 0.02M | 0.23M | 0.01M | 0.01M | 11.84M | 0.26M | 1.70M | -0.08M | 1.02M | -0.51M | -0.04M | 0.21M | 0.12M | 4.00M | 0.13M | ||||
| Investment Securities | ||||||||||||||||||||||||
| Purchase of HTM Securities | 12.66M | 99.58M | ||||||||||||||||||||||
| Purchase of Investments - Total | 68.23M | 25.60M | 12.66M | 99.58M | ||||||||||||||||||||
| Sale and Maturity of Investments - Total | 25.60M | 21.49M | -36.24M | -103.27M | 96.32M | 36.97M | -41.34M | 61.99M | ||||||||||||||||
| Acquisitions | ||||||||||||||||||||||||
| Change in Acquisitions & Divestments | 10.60M | -103.27M | 96.32M | 36.97M | -41.34M | -14.50M | -3.36M | -19.15M | ||||||||||||||||
| Other Investing ActivitiesOther Investing | -106.18M | 136.46M | 7.20M | -107.83M | 0.00 | 25.60M | 0.00 | 107.05M | -96.32M | -33.98M | 40.75M | 93.26M | 6.15M | -5.94M | -3.35M | |||||||||
| Cash from Investing Activities | 0.04M | -0.03M | -0.13M | -0.43M | -106.06M | 68.21M | 6.97M | -107.84M | 10.59M | 13.77M | 21.23M | -37.94M | -112.06M | 95.30M | 40.48M | -41.89M | 55.46M | -8.47M | -13.30M | -22.63M | ||||
| Financing Activities | ||||||||||||||||||||||||
| Net Change in DepositsDeposits Chg. | 228,172.14M | -2.67M | 219.57M | 266.60M | 130.08M | 192.24M | 131.48M | 160.36M | 139.63M | 75.33M | 39.01M | 93.62M | 176.02M | -7.73M | 53.79M | 311.56M | 165.93M | 275.29M | 196.38M | 288.71M | ||||
| Debt Issuance and Repayment | ||||||||||||||||||||||||
| Long-Term Debt Repayments | 3.69M | |||||||||||||||||||||||
| Net Long-Term Debt Issued (Repaid)Net LT Debt | -3.69M | |||||||||||||||||||||||
| Net Debt Issuances and Repayments | -3.69M | |||||||||||||||||||||||
| Change in Capital Stock | ||||||||||||||||||||||||
| Common Stock IssuedStock Issued | -6.17M | -3.13M | -0.55M | 10.01M | 0.44M | 80.92M | -0.48M | 0.42M | 1.42M | 1.38M | 2.63M | |||||||||||||
| Net Shares Issued and Repurchased | -6.17M | -3.13M | -0.55M | 10.01M | 0.44M | 80.92M | -0.48M | 0.42M | 1.42M | 1.38M | 2.63M | |||||||||||||
| Preferred Shares Repurchased | -13,360.32M | |||||||||||||||||||||||
| Net Preferred Shares Issued and Repurchased | 13,360.32M | |||||||||||||||||||||||
| Net Equity Issued and Repurchased | 13,360.32M | -6.17M | -3.13M | -0.55M | 10.01M | 0.44M | 80.92M | -0.48M | 0.42M | 1.42M | 1.38M | 2.63M | ||||||||||||
| Dividend Payments | ||||||||||||||||||||||||
| Dividends Paid - Common | 0.74M | 0.74M | 0.74M | 0.73M | 0.70M | 0.67M | 0.66M | 0.67M | 0.66M | 0.66M | 0.66M | 0.66M | 0.66M | 0.57M | 0.57M | 0.59M | 0.58M | 0.58M | 0.59M | 0.58M | ||||
| Dividends Paid - Preferred | 0.20M | 0.19M | 0.18M | |||||||||||||||||||||
| Dividends Paid - Common and PreferredDividends Paid | 0.94M | 0.74M | 0.74M | 0.73M | 0.88M | 0.67M | 0.66M | 0.67M | 0.66M | 0.66M | 0.66M | 0.66M | 0.84M | 0.57M | 0.57M | 0.59M | 0.58M | 0.58M | 0.59M | 0.58M | ||||
| Other Financing ActivitiesOther Financing | -241,474.15M | 2.54M | -219.79M | -266.62M | -131.48M | -192.37M | -131.61M | -160.49M | -149.56M | -75.46M | -39.14M | -93.75M | -186.68M | 7.60M | -53.63M | -315.65M | -168.75M | -275.44M | -196.51M | -288.85M | ||||
| Cash from Financing Activities | 57.38M | -0.87M | -0.96M | -0.74M | -2.28M | -6.97M | -3.92M | -1.35M | -0.58M | -0.79M | -4.48M | -0.79M | -11.06M | 80.22M | -0.90M | -4.68M | -2.98M | 0.70M | 0.67M | 1.92M | ||||
| Misc. | ||||||||||||||||||||||||
| Exchange Rate Effect | 0.32M | -1.81M | 2.73M | -4.00M | 1.20M | -2.95M | -0.93M | -1.17M | 0.89M | -3.08M | -1.50M | 11.17M | -5.77M | 0.94M | -2.38M | 0.39M | -0.56M | 1.04M | 1.28M | -3.23M | ||||
| Change in Cash | 11,627.27M | -90.07M | 31.16M | -84.60M | 2.09M | 86.57M | 17.40M | -100.67M | 31.94M | -0.43M | 54.08M | 24.75M | -10.87M | 112.78M | -30.30M | 87.03M | 88.07M | 32.31M | -44.93M | -52.79M | ||||
| Ending Cash Balance | 219,926.14M | 212.81M | 212.05M | 212.01M | 65.09M | 66.19M | 65.13M | 66.85M | 95.63M | 98.68M | 96.76M | 95.48M | 161.96M | 155.42M | 162.91M | 162.93M | 416.07M | 431.15M | 425.50M | 415.18M | ||||
| Net Cash Flow | -20.59M | -90.07M | 31.16M | -84.60M | 2.09M | 86.57M | 17.40M | -100.67M | 31.94M | -0.43M | 54.08M | 24.75M | -10.87M | 112.78M | -30.30M | 87.03M | 88.07M | 32.31M | -44.93M | -52.79M | ||||
| Free Cash Flow | -77.97M | -89.20M | 32.11M | -83.85M | 110.55M | 25.32M | 14.13M | 8.51M | 21.92M | -25.24M | 37.08M | 61.77M | 112.32M | -63.76M | -69.36M | 133.64M | 35.39M | 39.97M | -36.30M | -32.21M | ||||
| Supplemental | ||||||||||||||||||||||||
| Interest Paid | 6.03M | 7.43M | 7.83M | 4.35M | 8.31M | 11.39M | 18.71M | 21.06M | 18.44M | 29.00M | 31.65M | 34.43M | 28.12M | 33.62M | 33.51M | 36.40M | 29.91M | 29.71M | 32.51M | 47.69M | ||||
| Income Taxes PaidTaxes Paid | 0.33M | 2.23M | 1.08M | 0.80M | 0.80M | 5.72M | 1.89M | 2.26M | 1.97M | 6.16M | 2.22M | 3.09M | 3.04M | 2.79M | 2.78M | 1.43M | 3.27M | 2.77M | 1.58M | 0.96M |
Pull VersaBank's standardized financial statements into your own models, spreadsheets and apps with the Business Quant Financial Statements API. The request below follows the statement, frequency and period selected above. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/statements?ticker=VBNK&statement=CF&frequency=Quarter&period=all&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/statements"
params = {"ticker": "VBNK", "statement": "CF", "frequency": "Quarter", "period": "all", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/statements?ticker=VBNK&statement=CF&frequency=Quarter&period=all&api_key=YOUR_API_KEY");
const data = await res.json();