VersaBank Ratios (2020-2025) | VBNK

Ratios Oct2020 Jan2021 Oct2021 Jan2022 Apr2022 Jul2022 Oct2022 Jan2023 Apr2023 Jul2023 Oct2023 Jan2024 Apr2024 Jul2024 Oct2024 Jan2025 Apr2025 Jul2025 Oct2025
Profitability
EBT Margin 47.19%44.63%41.76%36.44%36.99%42.36%50.92%51.42%51.41%57.99%58.76%57.19%49.87%29.60%39.90%38.93%27.71%28.22%
EBIT Margin 93.50%44.63%84.65%82.62%103.45%123.16%148.49%160.04%182.32%194.58%206.85%215.08%222.87%206.75%210.68%181.42%167.69%155.99%
EBITDA Margin 34.30%44.63%30.56%26.69%27.04%123.16%36.23%38.54%37.09%194.58%43.81%41.73%35.96%206.75%28.64%28.25%19.16%155.99%
Net Margin 34.30%32.41%30.47%26.53%26.93%26.51%36.33%38.46%37.24%42.78%44.02%41.50%35.95%20.22%29.26%28.30%20.84%14.83%
FCF Margin -171.70%-617.89%219.14%-505.18%604.77%131.85%72.82%42.33%101.94%-62.78%177.62%321.94%561.78%-320.06%-329.93%581.24%140.71%
Efficiency
Assets Average 3,143.30M3,212.20M3,267.44M3,420.79M3,522.69M3,524.49M3,766.60M4,086.26M
Equity Average 87.80M120.64M180.49M179.82M224.64M219.83M166.20M160.67M80.54M80.23M80.11M1.78M1.77M147.05M147.66M3.23M3.94M194.14M
Invested Capital 1,301.02M60.07M1,655.21M179.75M179.41M269.16M2,170.99M162.13M158.81M1.63M2,764.27M1.65M1.52M1.37M292.33M2.85M3.51M4.27M383.89M
Asset Utilization Ratio 0.030.030.030.020.020.020.020.02
Leverage & Solvency
Interest Coverage Ratio 2.021.971.791.561.521.521.471.391.421.401.361.291.171.231.271.201.22
Equity Ratio 0.080.090.070.050.000.000.000.080.000.000.000.09
Times Interest Earned 2.021.971.791.561.521.521.471.391.421.401.361.291.171.231.271.201.22
Dividends & Payouts
FCF Payout Ratio 0.040.01-0.020.010.04-0.03-0.05-0.080.210.05-0.02-0.010.040.010.010.000.11
Valuation
Enterprise Value -194.86M-0.11M-215.98M319.58M280.09M203.25M123.61M212.39M193.95M230.52M100.79M200.24M114.05M133.19M224.52M87.35M121.28M49.24M-37.40M
Market Capitalization 319.71M280.45M203.61M190.30M212.52M194.21M230.92M198.32M294.70M260.94M314.69M389.47M359.88M360.31M384.37M381.83M
Return Ratios
Return on Sales 0.31%0.29%0.28%0.29%0.32%0.35%0.39%0.41%0.41%0.41%0.36%0.32%0.28%0.25%0.23%
Return on Invested Capital 0.17%0.16%0.04%0.05%0.44%1.05%0.07%0.08%77.83%89.19%0.86%0.84%37.24%29.74%0.56%
Return on Assets 0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.00%
Return on Equity 0.10%0.08%0.08%0.12%0.15%0.33%0.39%0.42%19.53%19.43%0.20%0.17%7.07%5.22%0.10%