VersaBank Ratios (2020-2025) | VBNK

Ratios Oct2020 Jan2021 Apr2021 Jun2021 Oct2021 Jan2022 Apr2022 Jul2022 Oct2022 Jan2023 Apr2023 Jul2023 Oct2023 Jan2024 Apr2024 Jul2024 Oct2024 Jan2025 Apr2025 Jul2025 Oct2025
Profitability
EBT Margin -118.34%-139.81%49.72%44.63%-118.15%-93.13%12.02%44.76%-54.93%-50.55%-41.34%57.99%-41.92%-38.14%49.87%29.60%39.90%38.93%27.71%66.12%
EBIT Margin -234.46%-255.22%90.76%87.28%-239.51%-211.16%33.62%125.55%-160.17%-157.32%-146.61%194.58%-147.57%-143.42%222.87%206.75%210.68%181.42%167.69%193.89%
EBITDA Margin -86.02%-101.09%90.76%32.38%-86.48%-68.21%8.79%125.55%-39.08%-37.89%-29.82%194.58%-31.26%-27.83%35.96%206.75%28.64%28.25%19.16%193.89%
Net Margin -86.02%-101.14%35.97%32.41%-86.21%-67.80%8.75%28.90%-39.19%-37.81%-29.95%42.78%-31.40%-27.67%35.95%20.22%29.26%28.30%20.84%30.06%
FCF Margin 429.46%184.05%-538.25%1,747.71%-562.34%-163.33%599.30%-142.33%-72.74%-34.08%99.50%5.22%-119.26%330.56%425.23%-314.84%-332.36%581.06%136.10%
Efficiency
Assets Average 2,426.11M3,040.56M3,143.30M3,212.20M3,267.44M3,420.79M3,522.69M3,524.49M3,766.60M4,086.26M
Invested Capital 1,301.02M1,655.21M2,170.99M2,764.27M292.33M383.89M
Asset Utilization Ratio 0.02-0.01-0.02-0.02-0.01-0.010.010.020.020.02
Leverage & Solvency
Interest Coverage Ratio 2.022.212.212.051.971.791.561.551.521.471.391.421.401.361.291.171.231.271.201.52
Debt to Equity 0.420.460.260.19
Debt Ratio 0.040.030.020.020.020.020.020.020.020.02
Equity Ratio 0.080.090.070.050.080.09
Times Interest Earned 2.022.212.212.051.971.791.561.551.521.471.391.421.401.361.291.171.231.271.201.52
Dividends & Payouts
FCF Payout Ratio 0.040.10-0.010.01-0.020.010.00-0.03-0.05-0.080.220.42-0.02-0.010.010.010.010.000.02
Valuation
Enterprise Value -194.86M-200.27M-204.65M-215.98M-214.53M-214.38M-211.12M-66.69M-65.71M-65.54M-67.20M-98.65M-94.76M-147.40M-181.21M-164.95M-158.67M-239.06M-335.01M-419.23M
Return Ratios
Return on Sales -0.86%-1.01%0.36%0.32%-0.86%-0.68%0.09%0.29%-0.39%-0.38%-0.30%0.43%-0.31%-0.28%0.36%0.20%0.29%0.28%0.21%0.47%
Return on Assets 0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%