← VersaBank VBNK
Market Price
$20.38
Market Cap
$646.81M
P/E Ratio
N/A
Revenue (FY 2025)
↑11.7% YoY
$124.64M
3-Yr CAGR: 14.8%
Net Income
↓-28.4% YoY
$28.46M
Net Margin: 22.8%
Free Cash Flow
↓-82.9% YoY
$43.50M
FCF Yield: 6.72%
EPS (Diluted)
N/A
Basic: N/A
Return on Equity
Efficiency
N/A
ROA: 269.5%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (VBNK)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2020 | $54.2M | — | $22.2M | $19.4M | — | — | — | $139.6M | $139.3M | — |
| FY 2021 | $65.4M | +20.6% | $30.4M | $22.4M | +15.3% | — | — | $-108.3M | $-108.3M | -177.7% |
| FY 2022 | $82.4M | +26.1% | $32.2M | $22.7M | +1.2% | — | — | $-32.7M | $-33.2M | +69.3% |
| FY 2023 | $108.6M | +31.9% | $99.8M | $42.2M | +86.1% | — | — | $94.7M | $94.4M | +383.9% |
| FY 2024 | $111.6M | +2.8% | $94.5M | $39.7M | -5.7% | — | — | $272.7M | $254.1M | +169.3% |
| FY 2025 | $124.6M | +11.7% | $70.0M | $28.5M | -28.4% | — | — | $44.5M | $43.5M | -82.9% |
Valuation
Market Price
$20.38
Market Cap
$646.81M
Enterprise Value
N/A
P/E Ratio
N/A
P/B Ratio
N/A
FCF Yield
6.72%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
56.12%
Operating Margin
56.12%
Net Margin
22.83%
Return on Equity (ROE)
N/A
Return on Assets (ROA)
269.49%
Asset Turnover
11.80x
Revenue 3-Yr CAGR
14.80%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
N/A
Total Debt
N/A
Book Value / Share
N/A
Cash Flow Efficiency
Operating Cash Flow
$44.45M
Capital Expenditures (CapEx)
$954.00K
Free Cash Flow
$43.50M
OCF / Revenue
35.66%
FCF / Revenue
34.90%
FCF 3-Yr CAGR
N/A
Per Share Metrics
EPS (Diluted)
N/A
EPS (Basic)
N/A
Dividends / Share
N/A
Book Value / Share
N/A
EPS YoY Growth
N/A
Balance Sheet (FY 2025)
Total Assets
$10.56M
Total Liabilities
$311.42M
Stockholders' Equity
N/A
Current Assets
N/A
Current Liabilities
N/A