Name: VersaBank (VBNK) Financial Statements
Creator: FinSpry

VersaBank Income Statement Analysis

Revenue, earnings, and profit margins in millions CAD

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VersaBank income statement - Annual data in millions CAD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018
Period Ending	Dec 2025	Oct 2024	Oct 2023	Oct 2022	Oct 2021	Oct 2020	Oct 2019	Oct 2018
Revenue & Gross Profit
Revenue	304.15	111.90	108.64	82.39	65.36	54.19	53.92	51.69
Cost of Revenue	183.93	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Gross Profit	120.23	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	71.71	51.95	46.48	45.53	31.35	25.32	23.97	24.03
Operating Expenses	78.74	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Income	41.49	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Income/Expense
Interest Income	295.68	285.42	229.33	126.82	89.49	86.09	88.31	80.91
Interest Expense	179.51	182.76	129.28	50.15	29.33	31.97	34.41	29.42
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	41.49	54.79	57.65	32.55	30.79	26.75	27.82	25.01
Income Tax Expense	13.04	15.05	15.48	9.89	8.41	7.35	7.63	6.94
Net Income	28.46	39.75	42.16	22.66	22.38	19.41	20.20	18.07
Net Income - Continuous Operations	28.46	39.75	42.16	22.66	0.00	0.00	0.00	0.00
Net Income - Discontinued Operations	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EBITDA	44.59	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EBIT	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation & Amortization	3.10	2.63	1.78	1.94	0.00	0.00	0.00	0.00
Earnings Per Share
Basic EPS	1.00	1.00	2.00	1.00	1.00	1.00	1.00	1.00
Diluted EPS	1.00	1.00	2.00	1.00	1.00	1.00	1.00	1.00
Basic Shares Outstanding	31.51	25.97	26.27	27.43	21.75	21.12	21.12	21.12
Diluted Shares Outstanding	31.51	25.97	26.27	27.43	21.75	21.12	21.12	21.12