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STOCKS

Versabank (VBNK)

NASDAQ:VBNK

VBNK

Versabank

RESEARCH TOOLSreports

Versabank (VBNK) Ratios

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66 Followers

Versabank Ratios

VBNK's free cash flow for Q1 2026 was C$0.43. For the 2026 fiscal year, VBNK's free cash flow was decreased by C$ and operating cash flow was C$0.18. See a summary of the company’s cash flow.

Ratios	TTM	Oct 25	Oct 24	Oct 23	Oct 22
Liquidity Ratios
Current Ratio	0.00	0.13	0.06	0.04	0.04
Quick Ratio	0.00	0.13	0.06	0.04	0.04
Cash Ratio	0.00	0.12	0.05	0.04	0.03
Solvency Ratio	<0.01	<0.01	<0.01	0.01	<0.01
Operating Cash Flow Ratio	0.00	0.03	0.07	0.03	-0.01
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	C$ -4.95B	C$ -4.66B	C$ -4.18B	C$ -3.67B	C$ -2.81B
Leverage Ratios
Debt-to-Assets Ratio	0.02	0.02	0.02	0.03	0.03
Debt-to-Equity Ratio	0.19	0.20	0.27	0.29	0.31
Debt-to-Capital Ratio	0.16	0.17	0.21	0.23	0.24
Long-Term Debt-to-Capital Ratio	0.16	0.16	0.20	0.22	0.23
Financial Leverage Ratio	11.32	10.90	12.12	11.14	9.31
Debt Service Coverage Ratio	0.19	0.18	0.23	0.34	0.49
Interest Coverage Ratio	0.25	0.23	0.30	0.45	0.65
Debt to Market Cap	0.17	0.20	0.19	0.39	0.41
Interest Debt Per Share	8.86	9.14	11.22	9.13	5.82
Net Debt to EBITDA	-10.70	-10.61	-2.03	-0.36	0.60
Profitability Margins
Gross Profit Margin	41.34%	39.53%	37.92%	45.40%	61.82%
EBIT Margin	14.60%	13.64%	18.61%	24.23%	24.56%
EBITDA Margin	15.66%	14.66%	19.51%	24.98%	26.02%
Operating Profit Margin	14.60%	13.64%	18.61%	24.23%	24.56%
Pretax Profit Margin	14.60%	13.64%	18.61%	24.23%	24.56%
Net Profit Margin	10.04%	9.36%	13.50%	17.72%	17.09%
Continuous Operations Profit Margin	10.04%	9.36%	13.50%	17.72%	17.09%
Net Income Per EBT	68.74%	68.59%	72.54%	73.14%	69.61%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.51%	0.49%	0.82%	1.00%	0.69%
Return on Equity (ROE)	5.89%	5.34%	9.96%	11.18%	6.46%
Return on Capital Employed (ROCE)	0.74%	4.38%	7.90%	8.75%	5.42%
Return on Invested Capital (ROIC)	0.51%	3.00%	5.73%	6.40%	3.77%
Return on Tangible Assets	0.51%	0.49%	0.83%	1.01%	0.70%
Earnings Yield	5.32%	5.40%	7.31%	15.49%	8.89%
Efficiency Ratios
Receivables Turnover	12.55	9.88	9.06	9.70	7.17
Payables Turnover	0.00	0.00	0.00	13.42	6.60
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	11.70	11.54	11.06	23.88	12.06
Asset Turnover	0.05	0.05	0.06	0.06	0.04
Working Capital Turnover Ratio	-0.17	-0.07	-0.08	-0.08	-0.11
Cash Conversion Cycle	29.09	36.95	40.29	10.44	-4.39
Days of Sales Outstanding	29.09	36.95	40.29	37.65	50.88
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	27.20	55.27
Operating Cycle	29.09	36.95	40.29	37.65	50.88
Cash Flow Ratios
Operating Cash Flow Per Share	4.07	4.77	10.50	3.61	-1.19
Free Cash Flow Per Share	4.08	4.74	9.79	3.59	-1.21
CapEx Per Share	0.01	0.03	0.72	0.01	0.02
Free Cash Flow to Operating Cash Flow	1.00	0.99	0.93	1.00	1.02
Dividend Paid and CapEx Coverage Ratio	36.63	35.90	12.30	23.91	-7.58
Capital Expenditure Coverage Ratio	396.29	157.65	14.68	261.65	-56.20
Operating Cash Flow Coverage Ratio	1.25	1.39	2.51	0.86	-0.30
Operating Cash Flow to Sales Ratio	0.42	0.49	0.93	0.40	-0.25
Free Cash Flow Yield	22.04%	28.33%	46.76%	34.66%	-13.04%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	18.78	18.53	13.67	6.46	11.24
Price-to-Sales (P/S) Ratio	1.89	1.73	1.85	1.14	1.92
Price-to-Book (P/B) Ratio	1.09	0.99	1.36	0.72	0.73
Price-to-Free Cash Flow (P/FCF) Ratio	4.54	3.53	2.14	2.88	-7.67
Price-to-Operating Cash Flow Ratio	4.54	3.51	1.99	2.87	-7.80
Price-to-Earnings Growth (PEG) Ratio	2.42	-0.47	-2.68	0.07	-0.63
Price-to-Fair Value	1.09	0.99	1.36	0.72	0.73
Enterprise Value Multiple	1.38	1.22	7.43	4.22	7.99
Enterprise Value	67.33M	54.22M	426.79M	250.57M	275.62M
EV to EBITDA	1.38	1.22	7.43	4.22	7.99
EV to Sales	0.22	0.18	1.45	1.05	2.08
EV to Free Cash Flow	0.52	0.36	1.68	2.66	-8.29
EV to Operating Cash Flow	0.52	0.36	1.57	2.65	-8.44
Tangible Book Value Per Share	16.28	16.18	14.44	14.03	12.46
Shareholders’ Equity Per Share	16.99	16.91	15.37	14.35	12.79
Tax and Other Ratios
Effective Tax Rate	0.31	0.31	0.27	0.27	0.30
Revenue Per Share	9.78	9.65	11.34	9.06	4.83
Net Income Per Share	0.98	0.90	1.53	1.60	0.83
Tax Burden	0.69	0.69	0.73	0.73	0.70
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.22	0.24	0.18	0.20	0.34
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	0.01
Income Quality	4.14	5.28	6.86	2.25	-1.44

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