VBNK on Nasdaq

VersaBank

VersaBank is a commercial banks company, listed on Nasdaq (VBNK).1 It is headquartered in London, Canada.1

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Last updated Oct 20, 2026.

Overview

124.6MRevenue, fiscal 20252
28.5MNet income, fiscal 20252

Compare with Bank of Montreal, Royal Bank of Canada or Toronto-Dominion Bank, or pick any stock.

  • TickerVBNK on Nasdaq1
  • IndustryCommercial Banks, NEC1
  • HeadquartersLondon, Canada1
  • Incorporated inCanada (Federal Level)3
  • Business address140 Fullarton Street, Suite 2002, London, A6 N6A 5P23
  • Filer category, Emerging growth company3

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Financials

From the company’s reports to the SEC. Every number links to the filing it came from. Figures are in CAD, the currency the company reports in.

Key numbers, fiscal 2025

22.8%Net margin2
11.7%Revenue growth, 20252
5.3%Return on equity2
43.5M CADFree cash flow2

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Business segments

Digital Banking Canada [member] brought in 82% of the revenue VersaBank broke down this way in fiscal 2025.

  1. Digital Banking Canada [member]103.7M CAD282%up 2% from 2024
  2. Digital Banking USA [member]12.9M CAD210%up 823% from 2024
  3. Cybersecurity segment [member]7.2M CAD26%down 14% from 2024
  4. Digital Meteor2.2M CAD22%up 86% from 2024
Business segments by year
Business segments20242025
Digital Banking Canada [member]102.0M CAD103.7M CAD
Digital Banking USA [member]1.4M CAD12.9M CAD
Cybersecurity segment [member]8.5M CAD7.2M CAD
Digital Meteor1.2M CAD2.2M CAD

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Interest81¢179.5M CAD
  • Income tax6¢13.0M CAD
  • Profit13¢28.5M CAD

Out of 124.6M CAD in revenue.2

Where each dollar of operating cash went, fiscal 2025

  • Capital spending2¢954.0K CAD
  • Dividends paid7¢3.2M CAD
  • Kept or used elsewhere91¢40.3M CAD

Out of 44.5M CAD of cash from operations.2

Financial statements

Revenue45672124.6M CAD in 2025+130% since 2020
050.0M CAD100.0M CAD150.0M CAD2020: 54.2M CAD54.2M CAD20202021: 65.4M CAD65.4M CAD2021+21%2022: 82.4M CAD82.4M CAD2022+26%2023: 108.6M CAD108.6M CAD2023+32%2024: 111.6M CAD111.6M CAD2024+3%2025: 124.6M CAD124.6M CAD2025+12%
Net income4567228.5M CAD in 2025+47% since 2020
020.0M CAD40.0M CAD60.0M CAD2020: 19.4M CAD19.4M CAD20202021: 22.4M CAD22.4M CAD2021+15%2022: 22.7M CAD22.7M CAD2022+1%2023: 42.2M CAD42.2M CAD2023+86%2024: 39.7M CAD39.7M CAD2024−6%2025: 28.5M CAD28.5M CAD2025−28%

Every line of the income statement as filed: the last 2 fiscal years, latest first.2

Period ending2025-10-312024-10-31
Credit assets273.5M CAD264.9M CAD
Other22.1M CAD20.5M CAD
Interest income295.7M CAD285.4M CAD
Deposits and other174.0M CAD177.1M CAD
Subordinated notes5.5M CAD5.7M CAD
Interest expense179.5M CAD182.8M CAD
Net interest income116.2M CAD102.7M CAD
Non-interest income8.5M CAD9.0M CAD
Total revenue124.6M CAD111.6M CAD
Provision for (recovery of) credit losses (note 6(b))4.4M CAD-268.0K CAD
Revenue less provision for credit loss120.2M CAD111.9M CAD
Salaries and benefits38.0M CAD32.8M CAD
General and administrative33.7M CAD19.2M CAD
Premises and equipment7.0M CAD5.2M CAD
Noninterest expense78.7M CAD57.1M CAD
Income before income taxes41.5M CAD54.8M CAD
Income tax provision (note 16)13.0M CAD15.0M CAD
Net income28.5M CAD39.7M CAD
Foreign exchange gain (loss) on translation of foreign operations692.0K CAD-261.0K CAD
Comprehensive income29.1M CAD39.5M CAD
Basic and diluted income per common share (note 17) (in CAD per share)0.90 CAD1.49 CAD

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Corporate structure

VersaBank sits at the top of its group. 1 entity on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of VersaBank

  • AllianceBernstein Filed SCHEDULE 13G/A on VersaBank, latest Feb 17, 2026
  • 340268 Ontario Ltd Filed SC 13G/A on VersaBank, latest Feb 13, 2024 (3 filings since Feb 4, 2022)
  • Patriot Financial Partners IV, L.P. Filed SC 13D on VersaBank, latest Aug 31, 2022
  • VersaBank London, Canada

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What VersaBank reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, net23.9M CAD2 Oct 31, 202523.9M CAD2 Oct 31, 2024+0.2%
Operating-lease assets (leased space)2.4M CAD2 Oct 31, 20252.7M CAD2 Oct 31, 2024−11.3%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents581.7M CAD2 Oct 31, 2025225.3M CAD2 Oct 31, 2024+158.2%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill12.3M CAD2 Oct 31, 202512.3M CAD2 Oct 31, 20240%
Intangible assets, net (excluding goodwill)10.6M CAD2 Oct 31, 202512.1M CAD2 Oct 31, 2024−12.4%

Calendar

Coming up

  1. Dec 9, 2026Reports results for the quarter ending Oct/2026 A year earlier it reported $0.24 a share, on Dec 10, 2025.8

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

172 filings to the SEC since October 2021: 6 annual reports, 7 large holders, 159 other. The latest 20:

  1. Oct 15, 20266-K EDGAR
  2. Oct 1, 20266-K EDGAR
  3. Sep 22, 20266-K EDGAR
  4. Sep 17, 20266-K EDGAR
  5. Sep 17, 20266-K EDGAR
  6. Sep 4, 20266-K EDGAR
  7. Sep 3, 20266-K EDGAR
  8. Sep 1, 20266-K EDGAR
  9. Aug 26, 20266-K EDGAR
  10. Aug 25, 20266-K EDGAR
  11. Aug 25, 2026425 EDGAR
  12. Aug 25, 20266-K EDGAR
  13. Aug 24, 20266-K EDGAR
  14. Aug 5, 20266-K EDGAR
  15. Aug 5, 2026425 EDGAR
  16. Aug 4, 20266-K EDGAR
  17. Jul 28, 20266-K EDGAR
  18. Jul 28, 2026425 EDGAR
  19. Jul 24, 20266-K EDGAR
  20. Jul 23, 20266-K EDGAR

The 172 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 53. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Alliancebernstein L.P.2,929,423$41.5M0.0%−42,971
Pembroke Management, LTD1,519,740$35.3M2.5%+814,964
Cibc World Market Inc.1,151,992$26.8M0.0%−37,065
Mendon Capital Advisors Corp780,981$18.1M6.4%−164,260
Tcw Group Inc721,077$16.7M0.1%+9,800
Connor, Clark & Lunn Investment Management Ltd.703,971$16.4M0.0%+170,945
Curi Capital, LLC680,000$15.8M0.2%−125,084
Pacific Ridge Capital Partners, LLC585,516$13.6M2.5%−4,497
TD Asset Management Inc493,400$11.5M0.0%+53,200
Wellington Management Group Llp265,879$6.2M0.0%−55,400
Kennedy Capital Management LLC205,676$4.8M0.1%−154,483
Mudita Advisors LLP202,925$4.7M1.0%No change
TD Waterhouse Canada Inc.187,323$4.4M0.0%+507
Cox Capital Mgt LLC181,521$4.2M2.3%+327
Renaissance Technologies LLC154,100$3.6M0.0%+41,400
National Bank Of Canada /fi/149,794$3.5M0.0%+4,105
Rosenthal | Henry Capital Advisors, Inc.131,426$3.1M2.7%No change
Morgan Stanley126,992$2.9M0.0%+31,042
Stifel Financial Corp93,736$2.2M0.0%−4,181
Royal Bank Of Canada83,623$1.9M0.0%−349
Jane Street Group, LLC78,711$1.8M0.0%New
Brasada Capital Management, LP69,189$1.6M0.3%New
LPL Financial LLC63,797$1.5M0.0%New
Corsair Capital Management, L.P.59,669$1.4M0.2%+35,158
Dimensional Fund Advisors LP50,912$1.2M0.0%No change

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How VersaBank is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARVersaBank1
  • CIK0001690639
  • Filer status<br>emerging growth company an emerging growth company1
  • Incorporated inCanada12
  • Fiscal year endsOctober 311
  • Industry code (SIC)6029 Commercial Banks, NEC1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address140 Fullarton Street, Suite 2002, London, A6 N6A 5P21
  • Phone519-645-19191
  • Shares outstanding26,002,577 as of Oct 31, 202413
  • On EDGAR sinceNov 25, 20161
  • Filings183 in all: 6-K (154), 40-F (5), 425 (3), F-X (3), SUPPL (3), F-10 (2), F-10/A (2), SC 13G (2)1
    All 15 form types

    SC 13G/A (2), SCHEDULE 13G/A (2), 40-F/A (1), 8-A12B (1), CB (1), CERT (1), SC 13D (1)

  • Latest filingsAnnual report (40-F) Dec 10, 2025

Securities registered for trading

ClassSymbolExchange
Common Shares, no par valueVBNKNasdaq

From the cover page of the 40-F filed Dec 10, 2025 (Section 12(b) of the Exchange Act).12

Sources

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