VersaBank Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $26.9M+40.0% YoYTTM through 31 Jan 2026
Net Income $8.2M+45.0% YoYTTM through 31 Jan 2026
Free Cash Flow $32.2MTTM through 31 Jan 2026
Margins
| Current | |
|---|---|
| Net Margin | 30.3% |
Returns
6.4%ROE
0.5%ROA
Balance Sheet Health
Debt / Equity0.19x
Net Debt-$570.1Mnet cash position
Cash & Equivalents$628M
Quality Metrics
Piotroski F-Score3 / 9
FCF Margin119.7%
Earnings-Beat Rate75.0%
Dividend
$0.04Per share, FY20260.16%Yield-2.1%5-yr growth
Capital Allocation
Capex Intensity3.5%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Digital Banking Canada | View detailsFocused on expanding the well-established Canadian SRP portfolio by deepening relationships with existing partners. | ||
| Digital Banking USA | View detailsOn pace to achieve its target for additional US SRP fundings in fiscal 2026 of US$ 1.0 billion. |
Financials converted at 1.3492 from CAD.
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