VersaBank (VBNK) Financial Ratios

For fiscal 2025 (fiscal year ended Oct 31, 2025), VersaBank had a P/E ratio of 18.92 (up from 14.02), return on equity of 6.1% (down from 10.2%), debt-to-equity of 0.20 (down from 0.26) and return on assets of 0.5% (down from 0.9%). Its dividend yield was 0.59% with a payout ratio of 11.4%.

VersaBank Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period ending	Oct 2025	Oct 2024	Oct 2023	Oct 2022	Oct 2021
Valuation Ratios
P/E Ratio	18.92	14.02	6.53	11.76	19.50
P/S Ratio	4.48	4.86	2.49	3.11	6.16
P/B Ratio	1.01	1.36	0.71	0.73	1.22
Price/Tangible Book	1.06	1.45	0.76	0.75	1.26
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	6.11%	10.24%	11.59%	6.64%	7.62%
Return on Assets (ROA)	0.54%	0.88%	1.13%	0.80%	1.03%
Leverage & Solvency Ratios
Debt/Equity	0.20	0.26	0.29	0.31	0.30
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	5.29%	7.31%	15.67%	8.89%	5.52%
FCF Yield	-126.34%	-49.52%	-277.41%	-323.07%	-97.50%
Dividend Yield	0.59%	0.48%	0.97%	1.07%	0.68%
Payout Ratio	11.37%	9.03%	8.54%	16.46%	17.19%
Buyback Yield	-21.34%	1.17%	4.20%	-26.08%	-2.98%
Total Return	-20.75%	1.65%	5.17%	-25.01%	-2.30%

Source: Company financial statements from annual and quarterly filings. Data as of Jul 31, 2026. Data sources and methodology

Frequently Asked Questions About VersaBank Financial Ratios

What is VersaBank's P/E ratio?

VersaBank's P/E ratio was 18.92 for fiscal 2025 (period ended Oct 31, 2025). It was 14.02 a year earlier.

What is VersaBank's return on equity?

VersaBank's return on equity (ROE) was 6.1% for fiscal 2025 (period ended Oct 31, 2025). It was 10.2% a year earlier.

What is VersaBank's debt-to-equity ratio?

VersaBank's debt-to-equity ratio was 0.20 for fiscal 2025 (period ended Oct 31, 2025). It was 0.26 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition