VersaBank (VBNK)

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11.22

1.48 (15.20%)

At close: Apr 17, 2025, 3:59 PM

11.10

-1.04%

After-hours: Apr 17, 2025, 06:34 PM EDT

VersaBank Income Statement

Financials in CAD. Fiscal year is November - October.

Fiscal Year	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021	Q2 2021	Q1 2021	Q4 2020	Q3 2020	Q2 2020	Q1 2020	Q4 2019	Q3 2019	Q2 2019	Q1 2019	Q4 2018	Q3 2018	Q2 2018	Q1 2018	Q4 2017	Q3 2017	Q2 2017	Q1 2017	Q4 2016	Q3 2016	Q2 2016	Q1 2016
Period Ending	Jan 31, 2025	Oct 31, 2024	Jul 31, 2024	Apr 30, 2024	Jan 31, 2024	Oct 31, 2023	Jul 31, 2023	Apr 30, 2023	Jan 31, 2023	Oct 31, 2022	Jul 31, 2022	Apr 30, 2022	Jan 31, 2022	Oct 31, 2021	Jul 31, 2021	Apr 30, 2021	Jan 31, 2021	Oct 31, 2020	Jul 31, 2020	Apr 30, 2020	Jan 31, 2020	Oct 31, 2019	Jul 31, 2019	Apr 30, 2019	Jan 31, 2019	Oct 31, 2018	Jul 31, 2018	Apr 30, 2018	Jan 31, 2018	Oct 31, 2017	Jul 31, 2017	Apr 30, 2017	Jan 31, 2017	Oct 31, 2016	Jul 31, 2016	Apr 30, 2016	Jan 31, 2016
Revenue	27.83M	27.29M	27M	73.5M	71.58M	29.17M	26.86M	26.68M	25.92M	24.25M	21.24M	18.64M	18.27M	18.24M	15.73M	15.97M	15.42M	13.73M	12.39M	14.48M	13.58M	13.63M	14.08M	12.75M	13.46M	13.83M	12.98M	12.47M	12.41M	11.52M	10.76M	10.13M	11.43M	10.39M	10.18M	9.64M	9.47M
Cost of Revenue	n/a	n/a	-46.7M	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Gross Profit	27.83M	27.29M	73.7M	73.5M	71.58M	29.17M	26.86M	26.68M	25.92M	24.25M	21.24M	18.64M	18.27M	18.24M	15.73M	15.97M	15.42M	13.73M	12.39M	14.48M	13.58M	13.63M	14.08M	12.75M	13.46M	13.83M	12.98M	12.47M	12.41M	11.52M	10.76M	10.13M	11.43M	10.39M	10.18M	9.64M	9.47M
Operating Income	n/a	n/a	13.46M	16.3M	16.95M	16.92M	13.81M	42.71M	38.48M	29.87M	21.97M	15.4M	15.46M	15.92M	15.29M	14.49M	14.42M	13.9M	13.81M	15.31M	15.69M	16.05M	15.74M	15.13M	15.31M	15.54M	13.93M	12.83M	12.13M	10.53M	10.55M	9.8M	11.64M	10.03M	11.2M	10.5M	11.29M
Interest Income	73.25M	73.24M	71.65M	71.24M	69.29M	66.09M	60.09M	53.59M	49.56M	22.48M	34.18M	25.85M	24.72M	23.92M	22.4M	21.65M	21.52M	21.07M	20.17M	22.69M	22.17M	22.26M	22.96M	21.13M	21.96M	22.04M	20.45M	19.36M	19.07M	18.13M	17.58M	17.46M	18.59M	17.46M	17.63M	17.35M	17.23M
Pretax Income	11.1M	8.08M	13.46M	16.3M	16.95M	16.92M	13.81M	13.72M	13.2M	10.27M	7.86M	6.79M	7.63M	8.14M	7.43M	7.94M	7.28M	6.54M	6.03M	7.1M	7.08M	7.44M	6.84M	6.75M	6.79M	7.21M	6.45M	5.9M	5.45M	3.9M	3.71M	2.91M	4.2M	2.64M	3.4M	2.52M	3.2M
Net Income	8.14M	5.52M	9.71M	11.83M	12.7M	12.48M	10M	10.26M	9.42M	6.43M	5.72M	4.94M	5.57M	5.91M	5.44M	5.74M	5.29M	4.75M	4.37M	5.15M	5.14M	5.41M	4.96M	4.9M	4.93M	5.16M	4.68M	4.26M	3.98M	2.82M	2.68M	2.1M	11.86M	1.9M	2.46M	1.81M	2.31M
Selling & General & Admin	14.1M	17.78M	13.53M	10.97M	10.87M	11.45M	11.9M	11.74M	11.38M	12.79M	12.29M	10.74M	9.71M	9.38M	7.27M	7.34M	7.37M	7.13M	5.81M	6.27M	6.11M	5.61M	6.25M	5.8M	6.31M	5.76M	5.88M	6.01M	6.38M	6.95M	6.5M	5.72M	5.89M	6.21M	5.89M	5.94M	5.53M
Research & Development	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Other Expenses	13.72M	9.51M	n/a	-2.92M	-3.76M	-23.71M	-24.95M	4.28M	1.18M	-7.17M	-11.55M	-13.98M	-12.51M	-11.7M	-7.71M	-8.81M	-8.37M	-6.95M	-4.39M	-5.44M	-4M	-3.19M	-4.59M	-3.42M	-4.45M	-4.04M	-4.93M	-5.65M	-6.67M	-7.94M	-6.71M	-6.05M	-5.68M	-6.56M	-4.88M	-5.08M	-3.71M
Operating Expenses	27.83M	27.29M	13.53M	2.92M	3.76M	-12.26M	-13.05M	16.02M	12.57M	5.62M	733K	-3.24M	-2.8M	-2.32M	-438K	-1.48M	-1M	179K	1.42M	823K	2.11M	2.42M	1.66M	2.38M	1.85M	1.72M	945K	364K	-281K	-992K	-217K	-329K	210K	-354K	1.02M	856K	1.82M
Interest Expense	47.52M	48.34M	46.7M	45M	42.72M	39.85M	35.16M	28.99M	25.29M	19.59M	14.12M	8.61M	7.83M	7.78M	7.86M	6.55M	7.14M	7.36M	7.79M	8.21M	8.61M	8.61M	8.9M	8.38M	8.52M	8.33M	7.48M	6.93M	6.67M	6.62M	6.83M	6.88M	7.44M	7.4M	7.79M	7.99M	8.08M
Selling & Marketing Expenses	n/a	n/a	8.7M	n/a	7.69M	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Cost & Expenses	27.83M	27.29M	13.53M	57.2M	54.62M	-12.26M	-13.05M	16.02M	12.57M	5.62M	733K	-3.24M	-2.8M	-2.32M	-438K	-1.48M	-1M	179K	1.42M	823K	2.11M	2.42M	1.66M	2.38M	1.85M	1.72M	945K	364K	-281K	-992K	-217K	-329K	210K	-354K	1.02M	856K	1.82M
Income Tax Expense	2.96M	2.56M	3.76M	4.47M	4.25M	4.44M	3.81M	3.46M	3.78M	3.84M	2.14M	1.85M	2.06M	2.23M	2M	2.2M	1.99M	1.8M	1.66M	1.95M	1.94M	2.04M	1.87M	1.85M	1.86M	2.05M	1.77M	1.65M	1.48M	1.08M	1.03M	809K	-7.66M	740K	947K	708K	893K
Shares Outstanding (Basic)	26.96M	26.96M	26.96M	25.96M	25.96M	25.96M	25.96M	26.17M	27.03M	27.25M	27.44M	27.44M	27.44M	27.44M	21.12M	21.12M	21.12M	21.12M	21.12M	21.12M	21.12M	21.11M	21.12M	21.12M	21.12M	21.12M	21.12M	21.12M	21.12M	21.12M	21.12M	21.12M	20.09M	20.09M	20.09M	19.82M	19.44M
Shares Outstanding (Diluted)	25.96M	25.96M	25.96M	25.96M	25.96M	25.96M	25.96M	26.17M	27.03M	27.25M	27.44M	27.44M	27.44M	27.44M	21.12M	21.12M	21.12M	21.12M	21.12M	21.12M	21.12M	21.12M	21.12M	21.12M	21.12M	21.12M	21.12M	21.12M	21.12M	21.12M	21.12M	21.12M	20.09M	20.09M	20.09M	19.82M	19.44M
EPS (Basic)	0.30	0.20	0.35	0.45	0.48	0.47	0.38	0.38	0.34	0.24	0.21	0.18	0.19	0.22	0.25	0.25	0.22	0.22	0.18	0.22	0.22	0.26	0.21	0.21	0.21	0.24	0.20	0.18	0.16	0.13	0.10	0.07	0.56	0.09	0.09	0.06	0.09
EPS (Diluted)	0.31	0.20	0.36	0.45	0.48	0.47	0.38	0.38	0.34	0.24	0.21	0.18	0.19	0.22	0.25	0.25	0.22	0.22	0.18	0.22	0.22	0.26	0.21	0.21	0.21	0.24	0.20	0.18	0.16	0.13	0.10	0.07	0.56	0.09	0.09	0.06	0.09
EBITDA	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	5.31M	6.97M	6.85M	7.69M	7.54M	n/a
EBIT	-744K	-842K	-586K	-632K	-574K	-435K	-431K	-450K	-467K	-507K	-458K	-483K	-490K	-456K	-452K	-372K	-449K	-291K	-362K	-210K	-286K	-173K	-253K	-115K	-180K	-222K	-137K	-137K	-127K	n/a	-311K	9.8M	11.64M	10.03M	11.2M	10.5M	n/a
Depreciation & Amortization	744K	842K	586K	632K	574K	435K	431K	450K	467K	507K	458K	483K	490K	456K	452K	372K	449K	291K	362K	210K	286K	173K	253K	115K	180K	222K	137K	137K	127K	-3.9M	311K	-4.49M	-4.67M	-3.19M	-3.5M	-2.96M	-3.2M