VersaBank (VBNK)
NASDAQ: VBNK
· Real-Time Price · USD
10.75
0.21 (1.99%)
At close: Aug 15, 2025, 3:59 PM
10.73
-0.22%
After-hours: Aug 15, 2025, 04:41 PM EDT
VersaBank Income Statement
Financials in CAD. Fiscal
year is
November - October.
Fiscal Year | Q2 2025 | 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 |
Period Ending | Apr 30, 2025 | 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 |
Revenue | 73.08M | 75.35M | 75.62M | 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 |
Cost of Revenue | 43.83M | 48.55M | 48.18M | -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 |
Gross Profit | 29.25M | 26.8M | 27.44M | 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 |
Operating Income | 11.73M | 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 |
Interest Income | 70.98M | 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 |
Pretax Income | 11.73M | 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 |
Net Income | 8.53M | 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 |
Selling & General & Admin | 15.88M | 14.1M | 17.78M | 13.53M | 10.97M | 12.02M | 11.45M | 11.9M | 11.74M | 11.38M | 12.79M | 12.29M | 10.74M | 9.71M | 9.38M | 7.27M | 7.34M | 7.37M |
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 |
Other Expenses | 1.64M | 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 |
Operating Expenses | 17.52M | 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 |
Interest Expense | 42.94M | 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 |
Selling & Marketing Expenses | n/a | 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 |
Cost & Expenses | 61.35M | 64.25M | 67.55M | 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 |
Income Tax Expense | 3.21M | 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 |
Shares Outstanding (Basic) | 32.52M | 29.06M | 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 |
Shares Outstanding (Diluted) | 32.52M | 29.06M | 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 |
EPS (Basic) | 0.26 | 0.28 | 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 |
EPS (Diluted) | 0.26 | 0.28 | 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 |
EBITDA | 12.46M | 11.85M | 8.92M | 14.05M | 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 |
EBIT | 11.73M | 11.1M | 8.08M | 13.46M | -632K | -574K | -435K | -431K | -450K | -467K | -507K | -458K | -483K | -490K | -456K | -452K | -372K | -449K |
Depreciation & Amortization | 728K | 744K | 842K | 586K | 632K | 574K | 435K | 431K | 450K | 467K | 507K | 458K | 483K | 490K | 456K | 452K | 372K | 449K |