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VersaBank VBNK

US equityMarket cap rank #3493
$21.90 −$0.38 (-1.71%)
Pre-market · Oct 8, 7:00 am ET · After hours $21.90 0.00%
Open$22.18
Prev close$22.28
Day range$21.74 – $22.18
Volume105.9K
Market cap$709.98M
P/E (TTM)29.8
Dividend yield0.32%

Earnings

Average move on report day±6.0%last 16 reports
Closed higher9 of 1656% of the time
Best reaction+11.3%
Worst reaction-12.5%

Stock move on the day after each report

+11.3%2023/Q4-4.6%2024/Q1+0.1%2024/Q2-4.2%2024/Q3-10.9%2024/Q4-12.5%2025/Q1-6.5%2025/Q2+5.3%2025/Q3+2.4%2025/Q4-7.6%2026/Q1+10.7%2026/Q2+6.8%2026/Q3
QuarterReport dateTimingImplied moveActual moveVersus implied
2026/Q33 Sep 2026Pre Market–+6.79%–
2026/Q23 Jun 2026Pre Market±10.5%+10.70%Bigger than priced
2026/Q14 Mar 2026Pre Market–-7.64%–
2025/Q410 Dec 2025Pre Market–+2.38%–
2025/Q34 Sep 2025Pre Market±19.9%+5.28%Within range
2025/Q24 Jun 2025Pre Market±17.1%-6.49%Within range
2025/Q15 Mar 2025Pre Market–-12.50%–
2024/Q49 Dec 2024Pre Market–-10.88%–
2024/Q35 Sep 2024Pre Market–-4.19%–
2024/Q25 Jun 2024Pre Market–+0.10%–
2024/Q16 Mar 2024Pre Market–-4.62%–
2023/Q413 Dec 2023Pre Market–+11.30%–
2023/Q330 Aug 2023Pre Market–-1.20%–
2023/Q27 Jun 2023Pre Market–+3.61%–
2023/Q18 Mar 2023Pre Market–+1.92%–
2022/Q47 Dec 2022Pre Market–+5.81%–

"Implied move" is the size of move the options market was pricing ahead of the report. Move is the stock’s change on the first session after the release.

Where the revenue comes from

Quarter 2026/Q3

By business line

  • Digital Banking CanadaC$27.57M 70.4%
  • Digital Banking USAC$9.30M 23.8%
  • DRT Cyber Inc., (DRTC)C$1.88M 4.8%
  • Digital MeteorC$413,000.00 1.1%

Latest reported quarter: Q3, ended Jul 2026 · reported in CAD

RevenueC$38.81M+22.9% YoY
Net profitC$10.06M+52.8% YoY
Diluted EPSC$0.31+55.0% YoY
Free cash flow-C$44.91M-124.5% YoY
Operating cash flow-C$44.73M

Revenue, last 8 quarters

C$27.3MOct '24C$27.8MJan '25C$30.1MApr '25C$31.6MJul '25C$35.1MOct '25C$36.5MJan '26C$38.3MApr '26C$38.8MJul '26

Net profit, last 8 quarters

C$5.5MOct '24C$8.1MJan '25C$8.5MApr '25C$6.6MJul '25C$5.2MOct '25C$11.1MJan '26C$7.5MApr '26C$10.1MJul '26

Profitability & balance sheet

Net margin22.8%
Return on equity6.2%
Return on assets0.5%
Liabilities / assets91.8%
Cash & investmentsC$490.05M
Total debtC$107.24M
Net cash (debt)C$382.81M
Free cash flow / sales6.6%

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