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STOCKS

Versabank (VBNK)

NASDAQ:VBNK

VBNK

Versabank

RESEARCH TOOLSreports

Versabank (VBNK) Ratios

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64 Followers

Versabank Ratios

VBNK's free cash flow for Q4 2025 was C$0.42. For the 2025 fiscal year, VBNK's free cash flow was decreased by C$ and operating cash flow was C$0.12. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.13	0.06	0.04	11.56	2.40
Quick Ratio	0.13	0.06	0.04	26.03	4.73
Cash Ratio	0.12	0.05	0.04	11.56	2.31
Solvency Ratio	<0.01	<0.01	0.01	<0.01	0.01
Operating Cash Flow Ratio	0.02	0.07	0.03	-4.26	-0.92
Short-Term Operating Cash Flow Coverage	166.58	0.00	0.00	-46.12	-161.89
Net Current Asset Value	C$ -4.66B	C$ -4.18B	C$ -3.69B	C$ -2.83B	C$ -1.80B
Leverage Ratios
Debt-to-Assets Ratio	0.02	0.02	0.03	0.03	0.04
Debt-to-Equity Ratio	0.20	0.27	0.29	0.30	0.30
Debt-to-Capital Ratio	0.17	0.21	0.23	0.23	0.23
Long-Term Debt-to-Capital Ratio	0.16	0.20	0.22	0.23	0.22
Financial Leverage Ratio	10.90	12.12	11.14	9.35	7.27
Debt Service Coverage Ratio	0.18	0.23	0.34	0.48	0.80
Interest Coverage Ratio	0.23	0.30	0.45	1.65	1.05
Debt to Market Cap	0.16	0.19	0.39	0.41	0.30
Interest Debt Per Share	8.94	11.22	9.13	5.66	5.96
Net Debt to EBITDA	-10.66	-2.03	-0.36	0.47	-5.26
Profitability Margins
Gross Profit Margin	39.53%	37.92%	100.56%	100.00%	100.00%
EBIT Margin	13.64%	18.61%	53.36%	39.50%	-2.65%
EBITDA Margin	14.66%	19.51%	55.01%	41.86%	49.75%
Operating Profit Margin	13.64%	18.61%	53.36%	100.37%	47.11%
Pretax Profit Margin	13.64%	18.61%	53.36%	39.50%	47.11%
Net Profit Margin	9.36%	13.50%	39.03%	27.50%	34.24%
Continuous Operations Profit Margin	9.36%	13.50%	39.03%	27.50%	34.24%
Net Income Per EBT	68.59%	72.54%	73.14%	69.61%	72.69%
EBT Per EBIT	100.00%	100.00%	100.00%	39.36%	100.00%
Return on Assets (ROA)	0.49%	0.82%	1.00%	0.69%	0.93%
Return on Equity (ROE)	5.39%	9.96%	11.18%	6.49%	6.74%
Return on Capital Employed (ROCE)	4.38%	7.90%	8.82%	2.54%	1.34%
Return on Invested Capital (ROIC)	3.00%	5.73%	6.71%	25.79%	11.93%
Return on Tangible Assets	0.49%	0.83%	1.01%	0.70%	0.93%
Earnings Yield	4.36%	7.31%	15.49%	8.89%	6.93%
Efficiency Ratios
Receivables Turnover	9.88	9.06	0.00	0.00	6.03
Payables Turnover	0.00	0.00	-0.08	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	11.54	11.06	10.84	7.50	5.50
Asset Turnover	0.05	0.06	0.03	0.03	0.03
Working Capital Turnover Ratio	-0.07	-0.08	-0.06	0.67	0.40
Cash Conversion Cycle	36.95	40.29	4.47K	0.00	60.53
Days of Sales Outstanding	36.95	40.29	0.00	0.00	60.53
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	-4.47K	0.00	0.00
Operating Cycle	36.95	40.29	0.00	0.00	60.53
Cash Flow Ratios
Operating Cash Flow Per Share	3.19	10.50	3.98	-1.19	-4.98
Free Cash Flow Per Share	3.16	9.79	3.59	-1.21	-4.98
CapEx Per Share	0.03	0.72	0.01	0.02	<0.01
Free Cash Flow to Operating Cash Flow	0.99	0.93	0.90	1.02	1.00
Dividend Paid and CapEx Coverage Ratio	24.30	12.30	26.39	-7.58	-28.06
Capital Expenditure Coverage Ratio	106.69	14.68	288.81	-56.20	-7.74K
Operating Cash Flow Coverage Ratio	0.96	2.51	0.95	-0.31	-1.08
Operating Cash Flow to Sales Ratio	0.33	0.93	0.97	-0.40	-1.66
Free Cash Flow Yield	15.43%	46.76%	34.66%	-13.04%	-33.55%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	22.96	13.67	6.46	11.24	14.42
Price-to-Sales (P/S) Ratio	2.15	1.85	2.52	3.09	4.94
Price-to-Book (P/B) Ratio	1.23	1.36	0.72	0.73	0.97
Price-to-Free Cash Flow (P/FCF) Ratio	6.48	2.14	2.88	-7.67	-2.98
Price-to-Operating Cash Flow Ratio	6.42	1.99	2.60	-7.80	-2.98
Price-to-Earnings Growth (PEG) Ratio	-5.39	-2.68	0.07	-0.63	0.84
Price-to-Fair Value	1.23	1.36	0.72	0.73	0.97
Enterprise Value Multiple	3.99	7.43	4.22	7.86	4.66
Enterprise Value	177.78M	426.79M	250.57M	271.15M	151.68M
EV to EBITDA	3.99	7.43	4.22	7.86	4.66
EV to Sales	0.58	1.45	2.32	3.29	2.32
EV to Free Cash Flow	1.76	1.68	2.66	-8.16	-1.40
EV to Operating Cash Flow	1.75	1.57	2.40	-8.30	-1.40
Tangible Book Value Per Share	15.96	14.44	14.03	12.40	14.84
Shareholders’ Equity Per Share	16.67	15.37	14.35	12.73	15.27
Tax and Other Ratios
Effective Tax Rate	0.31	0.27	0.27	0.30	0.27
Revenue Per Share	9.52	11.34	4.11	3.00	3.00
Net Income Per Share	0.89	1.53	1.60	0.83	1.03
Tax Burden	0.69	0.73	0.73	0.70	0.73
Interest Burden	1.00	1.00	1.00	1.00	-17.81
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.24	0.18	0.14	0.55	0.48
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	0.02	0.00
Income Quality	3.58	6.86	2.48	-1.44	-4.84

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