VBNK
VersaBank·NASDAQ
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VBNK fundamentals
During Q1 2026, VersaBank (VBNK) reported revenue of 26.93M, a YoY change of 39.95%. Net income was 8.16M, a YoY change of 44.98%. Click to view the full income statement and explore the company's earnings performance.
Income Statement
Q3,2020 | Q4,2020 | Q1,2021 | Q2,2021 | Q3,2021 | Q4,2021 | Q1,2022 | Q2,2022 | Q3,2022 | Q4,2022 | Q1,2023 | Q2,2023 | Q3,2023 | Q4,2023 | Q1,2024 | Q2,2024 | Q3,2024 | Q4,2024 | Q1,2025 | Q2,2025 | Q3,2025 | Q4,2025 | Q1,2026 | TTM |
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Start Date | May 1, 2020 | Aug 1, 2020 | Nov 1, 2020 | Feb 1, 2021 | May 1, 2021 | Aug 1, 2021 | Nov 1, 2021 | Feb 1, 2022 | May 1, 2022 | Aug 1, 2022 | Nov 1, 2022 | Feb 1, 2023 | May 1, 2023 | Aug 1, 2023 | Nov 1, 2023 | Feb 1, 2024 | May 1, 2024 | Aug 1, 2024 | Nov 1, 2024 | Feb 1, 2025 | May 1, 2025 | Aug 1, 2025 | Nov 1, 2025 | -- |
End Date | Jul 31, 2020 | Oct 31, 2020 | Jan 31, 2021 | Apr 30, 2021 | Jul 31, 2021 | Oct 31, 2021 | Jan 31, 2022 | Apr 30, 2022 | Jul 31, 2022 | Oct 31, 2022 | Jan 31, 2023 | Apr 30, 2023 | Jul 31, 2023 | Oct 31, 2023 | Jan 31, 2024 | Apr 30, 2024 | Jul 31, 2024 | Oct 31, 2024 | Jan 31, 2025 | Apr 30, 2025 | Jul 31, 2025 | Oct 31, 2025 | Jan 31, 2026 | -- |
Fiscal Year-End | Oct 31 | Oct 31 | Oct 31 | Oct 31 | Oct 31 | Oct 31 | Oct 31 | Oct 31 | Oct 31 | Oct 31 | Oct 31 | Oct 31 | Oct 31 | Oct 31 | Oct 31 | Oct 31 | Oct 31 | Oct 31 | Oct 31 | Oct 31 | Oct 31 | Oct 31 | Oct 31 | -- |
Operating Income | 9.26M -- | 10.30M -- | 12.07M -- | 12.99M -- | 12.62M +36.28% | 14.71M +42.88% | 14.39M +19.21% | 14.56M +12.03% | 16.59M +31.50% | 17.78M +20.88% | 19.44M +35.09% | 19.69M +35.27% | 20.41M +23.01% | 21.02M +18.22% | 21.56M +10.89% | 20.73M +5.28% | 19.55M -4.19% | 19.57M -6.88% | 19.25M -10.72% | 21.83M +5.30% | 22.81M +16.66% | 25.05M +27.96% | 26.93M +39.95% | 96.62M -- |
Net Interest Income | 9.25M -- | 10.28M -- | 11.25M -- | 12.28M -- | 11.67M +26.07% | 13.02M +26.67% | 13.30M +18.23% | 13.47M +9.66% | 15.67M +34.35% | 16.48M +26.53% | 18.21M +36.87% | 18.16M +34.83% | 18.94M +20.87% | 18.91M +14.73% | 19.85M +9.03% | 19.09M +5.12% | 18.07M -4.62% | 17.86M -5.51% | 17.79M -10.38% | 20.30M +6.36% | 21.51M +19.05% | 23.29M +30.39% | 24.99M +40.47% | 90.10M -- |
Interest Income | 15.07M -- | 15.80M -- | 16.84M -- | 17.61M -- | 17.97M +19.22% | 19.30M +22.12% | 19.47M +15.64% | 20.19M +14.63% | 26.70M +48.58% | 30.85M +59.84% | 37.17M +90.88% | 39.55M +95.87% | 45.66M +71.02% | 47.62M +54.38% | 51.77M +39.28% | 51.82M +31.03% | 51.89M +13.65% | 52.54M +10.33% | 50.66M -2.15% | 51.41M -0.80% | 53.44M +2.98% | 55.30M +5.24% | 59.91M +18.26% | 220.05M -- |
Interest Expense | 5.82M -- | 5.52M -- | 5.59M -- | 5.33M -- | 6.30M +8.33% | 6.27M +13.65% | 6.17M +10.43% | 6.72M +26.07% | 11.03M +74.93% | 14.37M +128.99% | 18.97M +207.28% | 21.39M +218.17% | 26.72M +142.30% | 28.71M +99.87% | 31.92M +68.31% | 32.73M +53.04% | 33.83M +26.61% | 34.68M +20.77% | 32.87M +2.96% | 31.10M -4.98% | 31.93M -5.61% | 32.00M -7.71% | 34.92M +6.23% | 129.95M -- |
Non-Interest Income | 5.98K -- | 13.50K -- | 820.29K -- | 711.90K -- | 952.19K +15830.13% | 1.69M +12386.84% | 1.09M +32.63% | 1.09M +52.85% | 919.46K -3.44% | 1.30M -22.81% | 1.23M +13.34% | 1.53M +40.78% | 1.47M +59.50% | 2.11M +62.45% | 1.71M +38.34% | 1.64M +7.26% | 1.49M +1.35% | 1.71M -19.10% | 1.45M -14.73% | 1.53M -7.13% | 1.30M -12.33% | 1.76M +2.62% | 1.94M +33.53% | 6.53M -- |
Other Non-Interest Income | -- -- | 45.00K -- | -- -- | -- -- | -- -- | 4.19M +9220.32% | -- -- | -- -- | -- -- | 4.20M +0.09% | -- -- | -- -- | 1.47M -- | 2.11M -49.64% | 1.71M -- | 1.64M -- | 1.49M +1.35% | 1.71M -19.10% | 1.45M -14.73% | 1.53M -7.13% | 1.30M -12.33% | 1.76M +2.62% | 1.94M +33.53% | 6.53M -- |
Loan Impairment Loss | -32.88K -- | -436.54K -- | 44.61K -- | -253.84K -- | 77.01K +334.25% | -225.05K +48.45% | 1.58K -96.47% | 60.93K +124.00% | 129.68K +68.39% | 150.30K +166.79% | 288.76K +18227.39% | 174.88K +187.03% | 129.94K +0.20% | -132.58K -188.21% | -94.89K -132.86% | 11.64K -93.35% | -724.32 -100.56% | -111.92K +15.59% | 708.21K +846.35% | 643.88K +5432.51% | 853.02K +117867.77% | 941.47K +941.23% | 516.34K -27.09% | 2.95M -- |
Income after Deducting Loan Impairment Loss | 9.29M -- | 10.73M -- | 12.03M -- | 13.25M -- | 12.54M +34.96% | 14.94M +39.16% | 14.39M +19.64% | 14.50M +9.42% | 16.46M +31.27% | 17.63M +18.05% | 19.15M +33.10% | 19.52M +34.64% | 20.28M +23.19% | 21.15M +19.98% | 21.65M +13.06% | 20.72M +6.17% | 19.55M -3.58% | 19.69M -6.94% | 18.54M -14.38% | 21.18M +2.25% | 21.96M +12.30% | 24.11M +22.45% | 26.42M +42.51% | 93.67M -- |
Operating Expenses | 4.79M -- | 5.82M -- | 6.33M -- | 6.79M -- | 6.58M +37.35% | 8.37M +43.75% | 8.38M +32.37% | 9.19M +35.43% | 10.32M +56.95% | 10.10M +20.65% | 9.25M +10.42% | 9.39M +2.16% | 9.79M -5.21% | 8.96M -11.23% | 8.98M -2.89% | 8.86M -5.62% | 9.80M +0.17% | 13.89M +54.97% | 10.86M +20.86% | 12.69M +43.14% | 15.64M +59.51% | 17.04M +22.64% | 15.16M +39.58% | 60.52M -- |
Selling, General and Administrative Expenses | 3.40M -- | 10.62M -- | 4.50M -- | 4.85M -- | 4.64M +36.32% | 14.13M +33.05% | 5.52M +22.78% | 6.05M +24.83% | 6.01M +29.55% | 19.75M +39.80% | 6.91M +25.04% | 6.94M +14.73% | 9.79M +62.76% | 8.96M -54.61% | 8.98M +30.07% | 8.86M +27.64% | 9.80M +0.17% | 13.89M +54.97% | 10.86M +20.86% | 12.69M +43.14% | 15.64M +59.51% | 17.04M +22.64% | 15.16M +39.58% | 60.52M -- |
Other Operating Expenses | 1.38M -- | -4.79M -- | 1.83M -- | 1.94M -- | 1.94M +39.87% | -5.76M -20.06% | 2.85M +55.94% | 3.14M +61.92% | 4.31M +122.64% | -9.65M -67.65% | 2.34M -17.88% | 2.45M -22.06% | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- |
Operating Profit | 4.50M -- | 4.91M -- | 5.70M -- | 6.46M -- | 5.96M +32.43% | 6.56M +33.72% | 6.01M +5.49% | 5.30M -17.90% | 6.14M +2.94% | 7.53M +14.74% | 9.90M +64.73% | 10.13M +90.91% | 10.49M +70.96% | 12.19M +61.83% | 12.67M +27.97% | 11.86M +17.09% | 9.75M -7.07% | 5.79M -52.47% | 7.68M -39.37% | 8.50M -28.32% | 6.32M -35.17% | 7.07M +21.99% | 11.26M +46.65% | 33.15M -- |
Income Before Income Taxes | 4.50M -- | 4.91M -- | 5.70M -- | 6.46M -- | 5.96M +32.43% | 6.56M +33.72% | 6.01M +5.49% | 5.30M -17.90% | 6.14M +2.94% | 7.53M +14.74% | 9.90M +64.73% | 10.13M +90.91% | 10.49M +70.96% | 12.19M +61.83% | 12.67M +27.97% | 11.86M +17.09% | 9.75M -7.07% | 5.79M -52.47% | 7.68M -39.37% | 8.50M -28.32% | 6.32M -35.17% | 7.07M +21.99% | 11.26M +46.65% | 33.15M -- |
Income Tax Expense | 1.24M -- | 1.35M -- | 1.56M -- | 1.79M -- | 1.60M +29.39% | 1.80M +33.19% | 1.62M +4.39% | 1.44M -19.25% | 1.67M +4.21% | 2.82M +56.82% | 2.84M +74.58% | 2.55M +76.91% | 2.89M +73.24% | 3.20M +13.44% | 3.18M +12.11% | 3.25M +27.44% | 2.72M -5.88% | 1.84M -42.56% | 2.05M -35.59% | 2.32M -28.64% | 1.57M -42.39% | 3.35M +82.59% | 3.10M +51.25% | 10.34M -- |
Current Income Tax | -- -- | 0 -- | -- -- | -- -- | -- -- | 3.48M -- | -- -- | -- -- | -- -- | 6.74M +93.59% | -- -- | -- -- | -- -- | 12.59M +86.62% | -- -- | -- -- | -- -- | 8.84M -29.73% | -- -- | -- -- | -- -- | 9.47M +7.04% | -- -- | -- -- |
Deferred Income Tax | -- -- | 5.51M -- | -- -- | -- -- | -- -- | 3.30M -40.13% | -- -- | -- -- | -- -- | 506.64K -84.64% | -- -- | -- -- | -- -- | -1.43M -382.32% | -- -- | -- -- | -- -- | 1.95M +236.28% | -- -- | -- -- | -- -- | -162.74K -108.35% | -- -- | -- -- |
Net Income | 3.26M -- | 3.56M -- | 4.14M -- | 4.67M -- | 4.36M +33.58% | 4.77M +33.92% | 4.38M +5.90% | 3.86M -17.38% | 4.47M +2.47% | 4.71M -1.12% | 7.06M +61.08% | 7.57M +96.14% | 7.60M +70.11% | 8.99M +90.76% | 9.49M +34.34% | 8.60M +13.61% | 7.03M -7.52% | 3.96M -55.99% | 5.63M -40.64% | 6.18M -28.20% | 4.75M -32.37% | 3.71M -6.13% | 8.16M +44.98% | 22.81M -- |
Net Income Attributable to Owners of the Company | 3.26M -- | 3.56M -- | 4.14M -- | 4.67M -- | 4.36M +33.58% | 4.77M +33.92% | 4.38M +5.90% | 3.86M -17.38% | 4.47M +2.47% | 4.71M -1.12% | 7.06M +61.08% | 7.57M +96.14% | 7.60M +70.11% | 8.99M +90.76% | 9.49M +34.34% | 8.60M +13.61% | 7.03M -7.52% | 3.96M -55.99% | 5.63M -40.64% | 6.18M -28.20% | 4.75M -32.37% | 3.71M -6.13% | 8.16M +44.98% | 22.81M -- |
Preferred Stock Dividends | -- -- | 1.63M -- | -- -- | -- -- | -- -- | 1.27M -21.72% | -- -- | -- -- | -- -- | 724.39K -43.09% | -- -- | -- -- | 187.69K -- | 177.98K -75.43% | 184.55K -- | 179.66K -- | 178.91K -4.68% | 141.33K -20.59% | -- -- | 0 -100.00% | 0 -100.00% | 0 -100.00% | -- -- | -- -- |
Net Income Attributable to Common Stockholders | 3.26M -- | 1.93M -- | 4.14M -- | 4.67M -- | 4.36M +33.58% | 3.49M +80.71% | 4.38M +5.90% | 3.86M -17.38% | 4.47M +2.47% | 3.99M +14.16% | 7.06M +61.08% | 7.57M +96.14% | 7.41M +65.91% | 8.81M +120.94% | 9.30M +31.73% | 8.42M +11.23% | 6.85M -7.59% | 3.82M -56.71% | 5.63M -39.47% | 6.18M -26.67% | 4.75M -30.60% | 3.71M -2.66% | 8.16M +44.98% | 22.81M -- |
Other Comprehensive Income | -- -- | 0 -- | -- -- | -2.44K -- | 4.01K -- | -4.84K -- | 13.39K -- | 23.43K +1060.08% | 18.75K +367.44% | 23.46K +584.77% | -20.25K -251.21% | 16.23K -30.73% | -31.91K -270.23% | 56.92K +142.62% | -43.34K -114.00% | 48.01K +195.72% | 1.45K +104.54% | -194.42K -441.54% | -118.96K -174.50% | -10.86K -122.63% | -382.81K -26525.27% | 1.01M +617.29% | -1.36M -1039.08% | -742.98K -- |
Total Comprehensive Income | 3.26M -- | 3.56M -- | 4.14M -- | 4.67M -- | 4.36M +33.71% | 4.76M +33.78% | 4.40M +6.22% | 3.88M -16.84% | 4.49M +2.81% | 4.74M -0.53% | 7.04M +60.13% | 7.59M +95.37% | 7.57M +68.69% | 9.05M +91.02% | 9.44M +34.11% | 8.65M +14.00% | 7.03M -7.11% | 3.76M -58.42% | 5.51M -41.63% | 6.17M -28.72% | 4.37M -37.83% | 4.72M +25.44% | 6.81M +23.53% | 22.07M -- |
Total Comprehensive Income Attributable to Owners of the Company | 3.26M -- | 3.56M -- | 4.14M -- | 4.67M -- | 4.36M +33.71% | 4.76M +33.78% | 4.40M +6.22% | 3.88M -16.84% | 4.49M +2.81% | 4.74M -0.53% | 7.04M +60.13% | 7.59M +95.37% | 7.57M +68.69% | 9.05M +91.02% | 9.44M +34.11% | 8.65M +14.00% | 7.03M -7.11% | 3.76M -58.42% | 5.51M -41.63% | 6.17M -28.72% | 4.37M -37.83% | 4.72M +25.44% | 6.81M +23.53% | 22.07M -- |
You can ask Aime
What guidance did VersaBank's management provide for the next earnings period?What is the revenue and EPS growth rate for VersaBank year over year?What were the key takeaways from VersaBank's earnings call?What were the key takeaways from VersaBank’s earnings call?What is VersaBank's latest dividend and current dividend yield?Did VersaBank beat or miss consensus estimates last quarter?What does VersaBank do and what are its main business segments?What factors drove the changes in VersaBank's revenue and profit?
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