US Stock MarketDetailed Quotes

VBNK VersaBank

Watchlist
  • 9.750
  • -0.260-2.60%
Close Apr 18 16:00 ET
253.15MMarket Cap7.87P/E (TTM)

VersaBank Key Stats

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

Quarterly+Annual
YOY yoy
Hide blank lines yoy
(FY)Oct 31, 2023
(Q4)Oct 31, 2023
(Q3)Jul 31, 2023
(Q2)Apr 30, 2023
(Q1)Jan 31, 2023
(FY)Oct 31, 2022
(Q4)Oct 31, 2022
(Q3)Jul 31, 2022
(Q2)Apr 30, 2022
(Q1)Jan 31, 2022
Total revenue
31.85%108.64M
20.29%29.17M
26.46%26.86M
43.20%26.69M
41.89%25.92M
26.06%82.39M
32.99%24.25M
35.03%21.24M
16.69%18.64M
18.44%18.27M
Net interest income
30.50%100.05M
16.74%26.24M
24.26%24.93M
42.73%24.61M
43.76%24.27M
27.44%76.67M
39.21%22.48M
37.96%20.06M
14.22%17.24M
17.47%16.89M
-Net interest income
80.84%229.33M
57.09%66.09M
75.82%60.09M
107.35%53.6M
100.49%49.56M
41.71%126.82M
75.86%42.07M
52.58%34.18M
19.40%25.85M
14.90%24.72M
-Interest income from loans and lease
75.08%215.69M
54.65%61.92M
69.47%56.21M
99.06%50.7M
91.14%46.86M
39.90%123.19M
69.73%40.04M
50.22%33.17M
19.58%25.47M
16.26%24.51M
-Other interest income
276.29%13.65M
105.02%4.17M
283.70%3.88M
668.88%2.89M
1,213.59%2.71M
153.11%3.63M
508.68%2.03M
214.29%1.01M
8.05%376K
-51.98%206K
-Total interest expense
157.79%129.28M
103.37%39.85M
149.10%35.16M
236.81%28.99M
222.74%25.29M
70.98%50.15M
151.93%19.6M
79.63%14.12M
31.31%8.61M
9.72%7.84M
-Interest expense for deposit
176.89%123.49M
111.35%38.39M
164.99%33.73M
280.36%27.53M
268.54%23.84M
68.65%44.6M
180.37%18.17M
94.63%12.73M
12.86%7.24M
-7.77%6.47M
-Interest expense for long term debt and capital securities
4.34%5.79M
2.03%1.46M
3.39%1.44M
6.22%1.45M
5.86%1.45M
92.41%5.55M
10.08%1.43M
5.23%1.39M
876.43%1.37M
975.59%1.37M
Non interest income
49.91%8.58M
65.30%2.93M
63.98%1.93M
49.03%2.08M
19.04%1.64M
10.12%5.73M
-15.07%1.78M
-0.84%1.18M
59.20%1.39M
31.77%1.38M
-Other non interest income
49.91%8.58M
65.30%2.93M
63.98%1.93M
49.03%2.08M
19.04%1.64M
10.12%5.73M
-15.07%1.78M
-0.84%1.18M
59.20%1.39M
31.77%1.38M
Credit losses provision
-35.03%-609K
189.76%184K
-3.01%-171K
-203.85%-237K
-19,150.00%-385K
-202.97%-451K
-173.48%-205K
-72.92%-166K
-125.00%-78K
96.49%-2K
Non interest expense
2.00%50.38M
-9.68%12.44M
-2.55%12.88M
8.15%12.73M
15.97%12.34M
41.10%49.39M
32.74%13.77M
61.17%13.22M
41.06%11.77M
31.52%10.64M
Occupancy and equipment
0.96%3.9M
0.41%989K
5.49%980K
-4.01%981K
2.48%952K
5.80%3.87M
-1.10%985K
-0.43%929K
1.59%1.02M
29.39%929K
Selling and administrative expenses
2.09%46.48M
-10.45%11.45M
-3.16%11.9M
9.31%11.75M
17.27%11.38M
45.21%45.53M
36.33%12.79M
69.08%12.29M
46.47%10.75M
31.73%9.71M
-General and administrative expense
2.09%46.48M
-10.45%11.45M
-3.16%11.9M
9.31%11.75M
17.27%11.38M
45.21%45.53M
36.33%12.79M
69.08%12.29M
46.47%10.75M
31.73%9.71M
Income from associates and other participating interests
Special income (charges)
Other non-operating income (expenses)
Income before tax
77.11%57.65M
64.66%16.92M
75.75%13.81M
102.09%13.72M
73.02%13.2M
5.71%32.55M
26.23%10.27M
5.70%7.86M
-14.48%6.79M
4.81%7.63M
Income tax
56.55%15.48M
15.43%4.44M
78.10%3.81M
87.28%3.46M
83.37%3.78M
17.61%9.89M
72.53%3.84M
7.01%2.14M
-15.89%1.85M
3.72%2.06M
Earnings from equity interest net of tax
Net income
86.08%42.16M
94.10%12.48M
74.88%10M
107.63%10.26M
69.19%9.42M
1.24%22.66M
8.78%6.43M
5.22%5.72M
-13.94%4.94M
5.22%5.57M
Net Income continuous operations
86.08%42.16M
94.10%12.48M
74.88%10M
107.63%10.26M
69.19%9.42M
1.24%22.66M
8.78%6.43M
5.22%5.72M
-13.94%4.94M
5.22%5.57M
Minority interest income
Net income attributable to the parent company
86.08%42.16M
94.10%12.48M
74.88%10M
107.63%10.26M
69.19%9.42M
1.24%22.66M
8.78%6.43M
5.22%5.72M
-13.94%4.94M
5.22%5.57M
Preferred stock dividends
0.00%988K
0.00%247K
0.00%247K
0.00%247K
-37.39%988K
0.00%247K
0.00%247K
-54.43%247K
Other preferred stock dividend
Net income attributable to common stockholders
90.00%41.17M
97.86%12.23M
78.26%9.76M
107.63%10.26M
72.40%9.17M
4.17%21.67M
9.16%6.18M
5.47%5.47M
-4.98%4.94M
12.03%5.32M
Basic earnings per share
98.73%1.57
104.35%0.47
90.00%0.38
123.53%0.38
78.95%0.34
-17.71%0.79
-4.17%0.23
-20.00%0.2
-32.00%0.17
-13.64%0.19
Diluted earnings per share
98.73%1.57
104.35%0.47
90.00%0.38
123.53%0.38
78.95%0.34
-17.71%0.79
-4.17%0.23
-20.00%0.2
-32.00%0.17
-13.64%0.19
Dividend per share
0.00%0.1
0.00%0.025
0.00%0.025
0.00%0.025
0.00%0.025
0.00%0.1
0.00%0.025
0.00%0.025
0.00%0.025
0.00%0.025
Currency Unit
CAD
CAD
CAD
CAD
CAD
CAD
CAD
CAD
CAD
CAD
Accounting Standards
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
Audit Opinions
Unqualified Opinion
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Unqualified Opinion
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(FY)Oct 31, 2023(Q4)Oct 31, 2023(Q3)Jul 31, 2023(Q2)Apr 30, 2023(Q1)Jan 31, 2023(FY)Oct 31, 2022(Q4)Oct 31, 2022(Q3)Jul 31, 2022(Q2)Apr 30, 2022(Q1)Jan 31, 2022
Total revenue 31.85%108.64M20.29%29.17M26.46%26.86M43.20%26.69M41.89%25.92M26.06%82.39M32.99%24.25M35.03%21.24M16.69%18.64M18.44%18.27M
Net interest income 30.50%100.05M16.74%26.24M24.26%24.93M42.73%24.61M43.76%24.27M27.44%76.67M39.21%22.48M37.96%20.06M14.22%17.24M17.47%16.89M
-Net interest income 80.84%229.33M57.09%66.09M75.82%60.09M107.35%53.6M100.49%49.56M41.71%126.82M75.86%42.07M52.58%34.18M19.40%25.85M14.90%24.72M
-Interest income from loans and lease 75.08%215.69M54.65%61.92M69.47%56.21M99.06%50.7M91.14%46.86M39.90%123.19M69.73%40.04M50.22%33.17M19.58%25.47M16.26%24.51M
-Other interest income 276.29%13.65M105.02%4.17M283.70%3.88M668.88%2.89M1,213.59%2.71M153.11%3.63M508.68%2.03M214.29%1.01M8.05%376K-51.98%206K
-Total interest expense 157.79%129.28M103.37%39.85M149.10%35.16M236.81%28.99M222.74%25.29M70.98%50.15M151.93%19.6M79.63%14.12M31.31%8.61M9.72%7.84M
-Interest expense for deposit 176.89%123.49M111.35%38.39M164.99%33.73M280.36%27.53M268.54%23.84M68.65%44.6M180.37%18.17M94.63%12.73M12.86%7.24M-7.77%6.47M
-Interest expense for long term debt and capital securities 4.34%5.79M2.03%1.46M3.39%1.44M6.22%1.45M5.86%1.45M92.41%5.55M10.08%1.43M5.23%1.39M876.43%1.37M975.59%1.37M
Non interest income 49.91%8.58M65.30%2.93M63.98%1.93M49.03%2.08M19.04%1.64M10.12%5.73M-15.07%1.78M-0.84%1.18M59.20%1.39M31.77%1.38M
-Other non interest income 49.91%8.58M65.30%2.93M63.98%1.93M49.03%2.08M19.04%1.64M10.12%5.73M-15.07%1.78M-0.84%1.18M59.20%1.39M31.77%1.38M
Credit losses provision -35.03%-609K189.76%184K-3.01%-171K-203.85%-237K-19,150.00%-385K-202.97%-451K-173.48%-205K-72.92%-166K-125.00%-78K96.49%-2K
Non interest expense 2.00%50.38M-9.68%12.44M-2.55%12.88M8.15%12.73M15.97%12.34M41.10%49.39M32.74%13.77M61.17%13.22M41.06%11.77M31.52%10.64M
Occupancy and equipment 0.96%3.9M0.41%989K5.49%980K-4.01%981K2.48%952K5.80%3.87M-1.10%985K-0.43%929K1.59%1.02M29.39%929K
Selling and administrative expenses 2.09%46.48M-10.45%11.45M-3.16%11.9M9.31%11.75M17.27%11.38M45.21%45.53M36.33%12.79M69.08%12.29M46.47%10.75M31.73%9.71M
-General and administrative expense 2.09%46.48M-10.45%11.45M-3.16%11.9M9.31%11.75M17.27%11.38M45.21%45.53M36.33%12.79M69.08%12.29M46.47%10.75M31.73%9.71M
Income from associates and other participating interests
Special income (charges)
Other non-operating income (expenses)
Income before tax 77.11%57.65M64.66%16.92M75.75%13.81M102.09%13.72M73.02%13.2M5.71%32.55M26.23%10.27M5.70%7.86M-14.48%6.79M4.81%7.63M
Income tax 56.55%15.48M15.43%4.44M78.10%3.81M87.28%3.46M83.37%3.78M17.61%9.89M72.53%3.84M7.01%2.14M-15.89%1.85M3.72%2.06M
Earnings from equity interest net of tax
Net income 86.08%42.16M94.10%12.48M74.88%10M107.63%10.26M69.19%9.42M1.24%22.66M8.78%6.43M5.22%5.72M-13.94%4.94M5.22%5.57M
Net Income continuous operations 86.08%42.16M94.10%12.48M74.88%10M107.63%10.26M69.19%9.42M1.24%22.66M8.78%6.43M5.22%5.72M-13.94%4.94M5.22%5.57M
Minority interest income
Net income attributable to the parent company 86.08%42.16M94.10%12.48M74.88%10M107.63%10.26M69.19%9.42M1.24%22.66M8.78%6.43M5.22%5.72M-13.94%4.94M5.22%5.57M
Preferred stock dividends 0.00%988K0.00%247K0.00%247K0.00%247K-37.39%988K0.00%247K0.00%247K-54.43%247K
Other preferred stock dividend
Net income attributable to common stockholders 90.00%41.17M97.86%12.23M78.26%9.76M107.63%10.26M72.40%9.17M4.17%21.67M9.16%6.18M5.47%5.47M-4.98%4.94M12.03%5.32M
Basic earnings per share 98.73%1.57104.35%0.4790.00%0.38123.53%0.3878.95%0.34-17.71%0.79-4.17%0.23-20.00%0.2-32.00%0.17-13.64%0.19
Diluted earnings per share 98.73%1.57104.35%0.4790.00%0.38123.53%0.3878.95%0.34-17.71%0.79-4.17%0.23-20.00%0.2-32.00%0.17-13.64%0.19
Dividend per share 0.00%0.10.00%0.0250.00%0.0250.00%0.0250.00%0.0250.00%0.10.00%0.0250.00%0.0250.00%0.0250.00%0.025
Currency Unit CADCADCADCADCADCADCADCADCADCAD
Accounting Standards US-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAP
Audit Opinions Unqualified Opinion--------Unqualified Opinion--------

Analysis

Analyst Rating

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Price Target

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