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Versabank (TSE:VBNK)
TSX:VBNK
Canadian Market

Versabank (VBNK) Ratios

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Versabank Ratios

TSE:VBNK's free cash flow for Q1 2025 was C$1.00. For the 2025 fiscal year, TSE:VBNK's free cash flow was decreased by C$ and operating cash flow was C$0.40. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
11.56 0.04 11.56 2.40 2.64
Quick Ratio
26.03 0.04 26.03 4.73 5.21
Cash Ratio
11.56 0.04 11.56 2.31 2.57
Solvency Ratio
<0.01 0.01 <0.01 0.01 0.01
Operating Cash Flow Ratio
-4.26 0.03 -4.26 -0.92 1.39
Short-Term Operating Cash Flow Coverage
-46.12 0.00 -46.12 -161.89 0.00
Net Current Asset Value
C$ -2.83BC$ -3.69BC$ -2.83BC$ -1.80BC$ -1.42B
Leverage Ratios
Debt-to-Assets Ratio
0.03 0.03 0.03 0.04 <0.01
Debt-to-Equity Ratio
0.30 0.29 0.30 0.30 0.07
Debt-to-Capital Ratio
0.23 0.23 0.23 0.23 0.06
Long-Term Debt-to-Capital Ratio
0.23 0.22 0.23 0.22 0.05
Financial Leverage Ratio
9.35 11.14 9.35 7.27 7.61
Debt Service Coverage Ratio
0.48 0.34 0.48 0.80 0.64
Interest Coverage Ratio
1.65 0.45 1.65 1.05 0.84
Debt to Market Cap
0.41 0.39 0.41 0.30 0.10
Interest Debt Per Share
5.66 9.13 5.66 5.96 2.30
Net Debt to EBITDA
0.47 -0.36 0.47 -5.26 -8.64
Profitability Margins
Gross Profit Margin
100.00%100.56%100.00%100.00%100.00%
EBIT Margin
39.50%53.36%39.50%-2.65%-2.12%
EBITDA Margin
41.86%55.01%41.86%49.75%51.49%
Operating Profit Margin
100.37%53.36%100.37%47.11%49.37%
Pretax Profit Margin
39.50%53.36%39.50%47.11%49.37%
Net Profit Margin
27.50%39.03%27.50%34.24%35.81%
Continuous Operations Profit Margin
27.50%39.03%27.50%34.24%35.81%
Net Income Per EBT
69.61%73.14%69.61%72.69%72.54%
EBT Per EBIT
39.36%100.00%39.36%100.00%100.00%
Return on Assets (ROA)
0.69%1.00%0.69%0.93%1.00%
Return on Equity (ROE)
6.49%11.18%6.49%6.74%7.60%
Return on Capital Employed (ROCE)
2.54%8.82%2.54%1.34%1.45%
Return on Invested Capital (ROIC)
25.79%6.71%25.79%11.93%10.59%
Return on Tangible Assets
0.70%1.01%0.70%0.93%1.01%
Earnings Yield
8.89%15.49%8.89%6.93%13.94%
Efficiency Ratios
Receivables Turnover
0.00 0.00 0.00 6.03 7.96
Payables Turnover
0.00 -0.08 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
7.50 10.84 7.50 5.50 5.19
Asset Turnover
0.03 0.03 0.03 0.03 0.03
Working Capital Turnover Ratio
0.67 -0.06 0.67 0.40 0.52
Cash Conversion Cycle
0.00 4.47K 0.00 60.53 45.85
Days of Sales Outstanding
0.00 0.00 0.00 60.53 45.85
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 -4.47K 0.00 0.00 0.00
Operating Cycle
0.00 0.00 0.00 60.53 45.85
Cash Flow Ratios
Operating Cash Flow Per Share
-1.19 3.98 -1.19 -4.98 6.61
Free Cash Flow Per Share
-1.21 3.59 -1.21 -4.98 6.60
CapEx Per Share
0.02 0.01 0.02 <0.01 0.01
Free Cash Flow to Operating Cash Flow
1.02 0.90 1.02 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
-7.58 26.39 -7.58 -28.06 30.85
Capital Expenditure Coverage Ratio
-56.20 288.81 -56.20 -7.74K 569.78
Operating Cash Flow Coverage Ratio
-0.31 0.95 -0.31 -1.08 8.35
Operating Cash Flow to Sales Ratio
-0.40 0.97 -0.40 -1.66 2.58
Free Cash Flow Yield
-13.04%34.66%-13.04%-33.55%100.10%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
11.24 6.46 11.24 14.42 7.17
Price-to-Sales (P/S) Ratio
3.09 2.52 3.09 4.94 2.57
Price-to-Book (P/B) Ratio
0.73 0.72 0.73 0.97 0.55
Price-to-Free Cash Flow (P/FCF) Ratio
-7.67 2.88 -7.67 -2.98 1.00
Price-to-Operating Cash Flow Ratio
-7.80 2.60 -7.80 -2.98 1.00
Price-to-Earnings Growth (PEG) Ratio
-0.63 0.07 -0.63 0.84 -2.03
Price-to-Fair Value
0.73 0.72 0.73 0.97 0.55
Enterprise Value Multiple
7.86 4.22 7.86 4.66 -3.65
Enterprise Value
271.15M 250.57M 271.15M 151.68M -101.72M
EV to EBITDA
7.86 4.22 7.86 4.66 -3.65
EV to Sales
3.29 2.32 3.29 2.32 -1.88
EV to Free Cash Flow
-8.16 2.66 -8.16 -1.40 -0.73
EV to Operating Cash Flow
-8.30 2.40 -8.30 -1.40 -0.73
Tangible Book Value Per Share
12.40 14.03 12.40 14.84 12.09
Shareholders’ Equity Per Share
12.73 14.35 12.73 15.27 12.09
Tax and Other Ratios
Effective Tax Rate
0.30 0.27 0.30 0.27 0.27
Revenue Per Share
3.00 4.11 3.00 3.00 2.57
Net Income Per Share
0.83 1.60 0.83 1.03 0.92
Tax Burden
0.70 0.73 0.70 0.73 0.73
Interest Burden
1.00 1.00 1.00 -17.81 -23.28
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.55 0.14 0.55 0.48 0.47
Stock-Based Compensation to Revenue
0.02 <0.01 0.02 0.00 0.00
Income Quality
-1.44 2.48 -1.44 -4.84 7.19
Currency in CAD
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