VersaBank Growth Metrics (2021-2025) | VBNK

Growth Metrics Jan2021 Oct2021 Jan2022 Apr2022 Jul2022 Oct2022 Jan2023 Apr2023 Jul2023 Oct2023 Jan2024 Apr2024 Jul2024 Oct2024 Jan2025 Apr2025 Jul2025 Oct2025
Growth Ratios
EBITDA Margin Growth (1y) -374.007,853.00566.001,186.001,004.007,143.00759.00319.00-113.001,217.00-1517.00-1348.00-1679.00-5076.00
EBITDA Margin Growth (3y) 951.0016,213.00-192.00156.00-788.003,283.00
EBITDA Margin (QoQ) -1406.00-388.0036.009,611.00-8693.00231.00-146.0015,750.00-15077.00-208.00-577.0017,080.00-17811.00-40.00-909.0013,683.00
EBIT Margin Growth (1y) -884.007,853.006,383.007,743.007,887.007,143.005,836.005,504.004,055.001,217.00383.00-3366.00-5518.00-5076.00
EBIT Margin Growth (3y) 11,335.0016,213.0012,603.009,880.006,424.003,283.00
EBIT Margin (QoQ) 4,003.00-204.002,083.001,971.002,533.001,156.002,227.001,227.001,226.00823.00778.00-1611.00393.00-2926.00-1373.00-1170.00
EBT Margin Growth (1y) -543.00-227.00916.001,499.001,442.001,563.00784.00577.00-154.00-2839.00-1886.00-1826.00-2216.00-138.00
EBT Margin Growth (3y) 1,157.00-1503.00-186.00250.00-928.00-1414.00
EBT Margin (QoQ) -287.00-532.0056.00537.00856.0050.00-1.00657.0078.00-157.00-732.00-2027.001,031.00-97.00-1122.0050.00
Enterprise Value Growth (1y) -10.84%302,409.05%157.23%-33.54%-30.75%13.42%-18.46%-5.72%-41.19%-42.22%122.75%-56.38%6.33%-63.03%-116.66%
Enterprise Value Growth (3y) 36.03%1,137.74%44.86%-35.10%-24.35%-37.66%-32.05%
Enterprise Value Growth (5y) 28.12%
Enterprise Value (QoQ) 99.95%247.97%-12.36%-27.44%-39.18%71.82%-8.68%18.85%-56.28%98.67%-43.04%16.78%68.57%-61.09%38.84%-59.40%-175.95%
FCF Margin Growth (1y) -44619.0074,975.00-14632.0054,752.00-50283.00-19464.0010,480.0027,961.0045,984.00-25727.00-50756.0025,930.00-42107.00
FCF Margin Growth (3y) 10,892.0029,784.00-54908.00108,643.00-46406.00
FCF Margin (QoQ) 83,703.00-72433.00110,995.00-47292.00-5903.00-3049.005,961.00-16472.0024,040.0014,432.0023,984.00-88184.00-988.0091,118.00-44053.00
FCF Payout Ratio Growth (1y) -79.52%-421.78%-102.04%-1,004.27%375.95%285.98%61.66%86.89%-80.67%-81.57%146.14%57.41%180.22%
FCF Payout Ratio Growth (3y) 7.01%3.32%33.09%-35.81%37.12%
FCF Payout Ratio (QoQ) -376.38%138.06%411.54%-159.80%-73.54%-70.34%369.24%-76.63%-135.78%41.75%496.90%-77.72%-10.44%-153.77%2,711.16%
Interest Coverage Ratio Growth (1y) -2.26%-22.88%-17.64%-10.53%-6.55%-8.22%-7.55%-7.50%-18.07%-11.68%-6.53%-7.01%4.61%
Interest Coverage Ratio Growth (3y) -11.56%-14.50%-10.72%-8.36%-7.13%
Interest Coverage Ratio (QoQ) -9.35%-12.99%-2.08%-0.15%-3.19%-5.47%2.28%-1.94%-2.48%-5.43%-9.41%5.71%3.21%-5.91%1.91%
Net Margin Growth (1y) -383.00-590.00586.001,193.001,031.001,627.00768.00304.00-129.00-2256.00-1475.00-1320.00-1511.00-539.00
Net Margin Growth (3y) 971.00-1219.00-121.00177.00-609.00-1168.00
Net Margin (QoQ) -194.00-395.0041.00-42.00982.00213.00-122.00553.00124.00-252.00-555.00-1573.00905.00-96.00-746.00-601.00
Return on Assets Growth (1y) 0.000.00-1.000.00
Return on Assets (QoQ) 0.000.000.000.000.000.000.00
Return on Equity Growth (1y) 5.0026.0031.0030.001,939.001,910.00-19.00-25.00-1246.00-1421.00-9.00
Return on Equity Growth (3y) 697.00514.002.00
Return on Equity (QoQ) -2.000.004.003.0019.006.003.001,911.00-10.00-1923.00-3.00690.00-185.00-512.00
Return on Invested Capital Growth (1y) 27.0090.004.003.007,739.008,814.0079.0075.00-4058.00-5945.00-31.00
Return on Invested Capital Growth (3y) 3,707.002,958.0052.00
Return on Invested Capital (QoQ) -1.00-12.001.0039.0061.00-98.001.007,774.001,136.00-8833.00-3.003,640.00-751.00-2918.00
Return on Sales Growth (1y) 2.006.0011.0011.009.006.00-3.00-9.00-13.00-17.00-13.00
Return on Sales Growth (3y) -2.00-4.00-5.00
Return on Sales (QoQ) -2.00-1.002.003.002.004.002.001.000.00-6.00-4.00-3.00-4.00-2.00