VBNK
VersaBank·NASDAQ
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VBNK fundamentals
VersaBank (VBNK) released its earnings on Dec 10, 2025: revenue was 25.03M (YoY +27.90%), beat estimates; EPS was 0.2354 (YoY +64.04%), missed estimates.
Revenue / YoY
25.03M
+27.90%
EPS / YoY
0.2354
+64.04%
Report date
Dec 10, 2025
VBNK Earnings Call Summary for Q4,2025
- Revenue Growth & U.S. Expansion: Q4 FY2025 revenue surged 29% YoY, with U.S. RPP targeting CAD 1 billion in FY2026. Divestiture of DRT Cyber could save CAD 10 million annually.
- Liquidity & Regulatory Risks: Elevated liquidity (11% of assets) will decline as U.S. RPP assets deploy, with NIM expected to stabilize near 265-270 bps.
- Cost Savings & Regulatory Hurdles: CAD 10 million in DRT Cyber costs until divestiture, with FY2026 U.S. RPP target achievable with current pipeline.
- Profitability Outlook: U.S. RPP profitability improving, with CAD 10 million in CMHC allocation fees and 357% sequential net income growth in U.S. banking.
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Key Indicators
VersaBank (VBNK) key financial stats and ratios, covering profitability, financial health, and leverage.
VersaBank (VBNK)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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VersaBank (VBNK)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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VersaBank (VBNK)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does VersaBank (VBNK) generate its revenue? Explore its key revenue streams and top earning regions.
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Track VersaBank (VBNK) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
Did VersaBank beat or miss consensus estimates last quarter?What is VersaBank's gross profit margin?What is VersaBank's latest dividend and current dividend yield?What guidance did VersaBank's management provide for the next earnings period?What were the key takeaways from VersaBank’s earnings call?What does VersaBank do and what are its main business segments?What factors drove the changes in VersaBank's revenue and profit?What is the market's earnings forecast for VersaBank next quarter?
