Versabank (VBNK)
[[ item.lastPrice ]] [[ item.priceChange ]] ([[ item.percentChange ]]) [[ item.tradeTime ]] [NASDAQ]
[[ item.bidPrice ]] x [[ item.bidSize ]] [[ item.askPrice ]] x [[ item.askSize ]]
[[ session ]] by (Cboe BZX)
[[ item.lastPrice ]] [[ item.priceChange ]] ([[ item.percentChange ]]) [[ item.tradeTime ]] [NASDAQ]
[[ item.bidPrice ]] x [[ item.bidSize ]] [[ item.askPrice ]] x [[ item.askSize ]]
[[ session ]] [[ item.lastPriceExt ]] [[ item.priceChangeExt ]] ([[ item.percentChangeExt ]]) [[ item.tradeTimeExt ]]
Fiscal Year End Date: 10/31
(Values in U.S. thousands)
| 10-2025 | 10-2024 | 10-2023 | 10-2022 | 10-2021 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 20,316 | 29,203 | 31,259 | 17,599 | 17,799 |
| Depreciation Amortization | 2,214 | 1,935 | 1,322 | 1,505 | 1,375 |
| Other Working Capital | 11,815 | 168,881 | 9,223 | -58,352 | -106,798 |
| Loans | -592,386 | -226,173 | -630,482 | -683,867 | -352,862 |
| Other Operating Activity | 589,774 | 226,510 | 658,902 | 697,752 | 354,351 |
| Operating Cash Flow | $31,734 | $200,356 | $70,223 | $-25,362 | $-86,135 |
| Cash Flows From Investing Activities | |||||
| Change In Deposits | 156,006 | -93,225 | N/A | N/A | N/A |
| PPE Investments | -681 | -13,649 | -268 | -451 | -11 |
| Net Acquisitions | N/A | -8,902 | N/A | N/A | -5,943 |
| Purchase Of Investment | N/A | N/A | -20,595 | -109,539 | -758 |
| Other Investing Activity | -3,794 | 0 | 0 | 0 | 0 |
| Investing Cash Flow | $151,531 | $-115,776 | $-20,863 | $-109,990 | $-6,712 |
| Cash Flows From Financing Activities | |||||
| Change In Short Term Borrowing | N/A | -3,674 | N/A | N/A | 71,178 |
| Debt Repayment | N/A | N/A | N/A | N/A | -7,986 |
| Common Stock Issued | 81,936 | 446 | 208 | N/A | 58,237 |
| Common Stock Repurchased | -6,516 | N/A | -9,855 | -1,499 | N/A |
| Dividend Paid | -2,310 | -2,636 | -2,669 | -2,896 | -3,059 |
| Other Financing Activity | -262 | -11,278 | -519 | -499 | -13,865 |
| Financing Cash Flow | $72,849 | $-17,142 | $-12,835 | $-4,894 | $104,505 |
| Exchange Rate Effect | -1,639 | 898 | -4,155 | -1,845 | -620 |
| Beginning Cash Position | 160,809 | 97,158 | 65,674 | 210,892 | 204,904 |
| End Cash Position | 415,283 | 165,494 | 98,044 | 68,801 | 215,942 |
| Net Cash Flow | $254,474 | $68,336 | $32,370 | $-142,091 | $11,038 |
| Free Cash Flow | |||||
| Operating Cash Flow | 31,734 | 200,356 | 70,223 | -25,362 | -86,135 |
| Capital Expenditure | -681 | -13,649 | -268 | -451 | -11 |
| Free Cash Flow | 31,053 | 186,707 | 69,955 | -25,814 | -86,146 |