VersaBank (VBNK)

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9.70

0.05 (0.57%)

At close: Apr 15, 2025, 3:59 PM

9.78

0.82%

Pre-market: Apr 16, 2025, 05:50 AM 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	155.61M	199.36M	201.25M	201.11M	154.29M	108.64M	103.71M	98.09M	90.04M	82.39M	76.38M	70.87M	68.2M	65.36M	60.85M	57.51M	56.02M	54.19M	54.09M	55.78M	54.04M	53.92M	54.11M	53.02M	52.74M	51.69M	49.38M	47.16M	44.82M	43.84M	42.71M	42.12M	41.64M	39.68M	38.64M	37.55M	36.47M
Cost of Revenue	-46.7M	-46.7M	-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	202.31M	246.06M	247.95M	201.11M	154.29M	108.64M	103.71M	98.09M	90.04M	82.39M	76.38M	70.87M	68.2M	65.36M	60.85M	57.51M	56.02M	54.19M	54.09M	55.78M	54.04M	53.92M	54.11M	53.02M	52.74M	51.69M	49.38M	47.16M	44.82M	43.84M	42.71M	42.12M	41.64M	39.68M	38.64M	37.55M	36.47M
Operating Income	29.76M	46.72M	63.63M	63.98M	90.39M	111.92M	124.87M	133.03M	105.72M	82.7M	68.75M	62.07M	61.16M	60.12M	58.11M	56.63M	57.45M	58.72M	60.87M	62.79M	62.61M	62.23M	61.72M	59.91M	57.62M	54.43M	49.41M	46.03M	43M	42.51M	42.02M	42.67M	43.37M	43.02M	43.17M	42.14M	40.88M
Interest Income	289.37M	285.42M	278.27M	266.71M	249.06M	229.33M	185.72M	159.81M	132.06M	107.22M	108.67M	96.89M	92.69M	89.49M	86.63M	84.4M	85.44M	86.09M	87.29M	90.08M	88.51M	88.31M	88.08M	85.57M	83.8M	80.91M	77.01M	74.15M	72.25M	71.77M	71.09M	71.14M	71.02M	69.66M	68.89M	67.77M	66.05M
Pretax Income	48.94M	54.79M	63.63M	63.98M	61.4M	57.65M	51M	45.05M	38.12M	32.55M	30.41M	29.99M	31.14M	30.79M	29.2M	27.79M	26.95M	26.75M	27.65M	28.46M	28.11M	27.82M	27.59M	27.2M	26.36M	25.01M	21.7M	18.97M	15.98M	14.73M	13.46M	13.15M	12.76M	11.76M	11.59M	10.56M	9.91M
Net Income	35.19M	39.75M	46.71M	47.01M	45.44M	42.16M	36.11M	31.83M	26.51M	22.66M	22.14M	21.86M	22.66M	22.38M	21.22M	20.15M	19.55M	19.41M	20.06M	20.66M	20.41M	20.2M	19.95M	19.67M	19.03M	18.07M	15.73M	13.74M	11.58M	19.47M	18.55M	18.32M	18.02M	8.47M	9.34M	8.6M	8.85M
Selling & General & Admin	56.38M	53.15M	46.82M	45.19M	45.97M	46.48M	47.82M	48.2M	47.2M	45.53M	42.12M	37.1M	33.69M	31.35M	29.11M	27.65M	26.58M	25.32M	23.8M	24.24M	23.77M	23.97M	24.11M	23.74M	23.96M	24.03M	25.23M	25.84M	25.55M	25.05M	24.32M	23.71M	23.93M	23.57M	23.4M	23.41M	23.2M
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	20.31M	2.83M	-30.39M	-55.34M	-48.14M	-43.2M	-26.66M	-13.27M	-31.53M	-45.22M	-49.75M	-45.9M	-40.73M	-36.59M	-31.84M	-28.53M	-25.16M	-20.79M	-17.02M	-17.23M	-15.2M	-15.66M	-16.5M	-16.84M	-19.08M	-21.29M	-25.19M	-26.97M	-27.37M	-26.38M	-25.01M	-23.17M	-22.2M	-20.23M	-18.87M	-18.82M	-18.78M
Operating Expenses	71.57M	47.5M	7.96M	-18.62M	-5.53M	3.28M	21.16M	34.94M	15.68M	307K	-7.63M	-8.8M	-7.04M	-5.24M	-2.74M	-878K	1.42M	4.54M	6.77M	7.01M	8.57M	8.31M	7.61M	6.9M	4.88M	2.74M	36K	-1.13M	-1.82M	-1.33M	-690K	543K	1.73M	3.34M	4.54M	4.59M	4.42M
Interest Expense	187.56M	182.76M	174.28M	162.74M	146.72M	129.28M	109.03M	87.98M	67.6M	50.15M	38.33M	32.08M	30.02M	29.33M	28.91M	28.84M	30.5M	31.97M	33.22M	34.33M	34.5M	34.41M	34.13M	32.71M	31.26M	29.41M	27.71M	27.06M	27.02M	27.78M	28.55M	29.51M	30.61M	31.26M	31.59M	31.58M	30.97M
Selling & Marketing Expenses	8.7M	16.39M	16.39M	7.69M	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	298K	298K	298K
Cost & Expenses	125.85M	152.64M	113.1M	86.52M	45.34M	3.28M	21.16M	34.94M	15.68M	307K	-7.63M	-8.8M	-7.04M	-5.24M	-2.74M	-878K	1.42M	4.54M	6.77M	7.01M	8.57M	8.31M	7.61M	6.9M	4.88M	2.74M	36K	-1.13M	-1.82M	-1.33M	-690K	543K	1.73M	3.34M	4.54M	4.59M	4.42M
Income Tax Expense	13.75M	15.04M	16.92M	16.97M	15.96M	15.48M	14.89M	13.22M	11.61M	9.89M	8.27M	8.13M	8.48M	8.41M	7.98M	7.64M	7.39M	7.35M	7.59M	7.8M	7.71M	7.63M	7.64M	7.53M	7.33M	6.94M	5.97M	5.24M	4.4M	-4.74M	-5.08M	-5.17M	-5.27M	3.29M	2.24M	1.97M	1.06M
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)	1.30	1.48	1.75	1.78	1.71	1.57	1.34	1.17	0.97	0.82	0.80	0.84	0.91	0.94	0.94	0.87	0.84	0.84	0.88	0.91	0.90	0.89	0.87	0.86	0.83	0.78	0.67	0.57	0.46	0.86	0.82	0.81	0.80	0.33	0.38	0.34	0.37
EPS (Diluted)	1.32	1.49	1.76	1.78	1.71	1.57	1.34	1.17	0.97	0.82	0.80	0.84	0.91	0.94	0.94	0.87	0.84	0.84	0.88	0.91	0.90	0.89	0.87	0.86	0.83	0.78	0.67	0.57	0.46	0.86	0.82	0.81	0.80	0.33	0.38	0.34	0.37
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	5.31M	12.28M	19.13M	26.82M	29.05M	22.08M	15.23M	7.54M	n/a
EBIT	-2.8M	-2.63M	-2.23M	-2.07M	-1.89M	-1.78M	-1.85M	-1.88M	-1.92M	-1.94M	-1.89M	-1.88M	-1.77M	-1.73M	-1.56M	-1.47M	-1.31M	-1.15M	-1.03M	-922K	-827K	-721K	-770K	-654K	-676K	-623K	-401K	-575K	9.36M	21.13M	31.16M	42.67M	43.37M	31.73M	21.7M	10.5M	n/a
Depreciation & Amortization	2.8M	2.63M	2.23M	2.07M	1.89M	1.78M	1.85M	1.88M	1.92M	1.94M	1.89M	1.88M	1.77M	1.73M	1.56M	1.47M	1.31M	1.15M	1.03M	922K	827K	721K	770K	654K	676K	623K	-3.5M	-3.33M	-7.96M	-12.75M	-12.03M	-15.85M	-14.32M	-12.85M	-12.13M	-11.01M	-9.91M