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Versabank (VBNK) Ratios
Versabank Ratios
TSE:VBNK's free cash flow for Q3 2026 was $35.22M. For the 2026 fiscal year, TSE:VBNK's free cash flow was decreased by $-185.00K and operating cash flow was $35.41M. See a summary of the company’s cash flow.
| Ratios | Oct 25 | Oct 24 | Oct 23 | Oct 22 | Oct 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.13 | 0.06 | 0.04 | 0.04 | 2.48 |
| Quick Ratio | 0.13 | 0.06 | 0.04 | 0.04 | 2.48 |
| Cash Ratio | 0.12 | 0.05 | 0.04 | 0.03 | 2.39 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.03 | 0.07 | 0.03 | -0.01 | -0.95 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -4.66B | $ -4.18B | $ -3.67B | $ -2.81B | $ -1.80B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.02 | 0.02 | 0.03 | 0.03 | 0.04 |
| Debt-to-Equity Ratio | 0.20 | 0.27 | 0.29 | 0.31 | 0.30 |
| Debt-to-Capital Ratio | 0.17 | 0.21 | 0.23 | 0.24 | 0.23 |
| Long-Term Debt-to-Capital Ratio | 0.16 | 0.20 | 0.22 | 0.23 | 0.22 |
| Financial Leverage Ratio | 10.90 | 12.12 | 11.14 | 9.31 | 7.27 |
| Debt Service Coverage Ratio | 0.18 | 0.23 | 0.34 | 0.49 | 0.82 |
| Interest Coverage Ratio | 0.23 | 0.30 | 0.45 | 0.65 | 1.05 |
| Debt to Market Cap | 0.20 | 0.19 | 0.39 | 0.41 | 0.30 |
| Interest Debt Per Share | 9.14 | 11.22 | 9.13 | 5.82 | 5.96 |
| Net Debt to EBITDA | -10.61 | -2.03 | -0.36 | 0.60 | -5.26 |
| Profitability Margins | |||||
| Gross Profit Margin | 39.53% | 37.92% | 45.40% | 61.82% | 69.49% |
| EBIT Margin | 13.64% | 18.61% | 24.23% | 24.56% | 32.52% |
| EBITDA Margin | 14.66% | 19.51% | 24.98% | 26.02% | 34.34% |
| Operating Profit Margin | 13.64% | 18.61% | 24.23% | 24.56% | 32.52% |
| Pretax Profit Margin | 13.64% | 18.61% | 24.23% | 24.56% | 32.52% |
| Net Profit Margin | 9.36% | 13.50% | 17.72% | 17.09% | 23.64% |
| Continuous Operations Profit Margin | 9.36% | 13.50% | 17.72% | 17.09% | 23.64% |
| Net Income Per EBT | 68.59% | 72.54% | 73.14% | 69.61% | 72.69% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.49% | 0.82% | 1.00% | 0.69% | 0.93% |
| Return on Equity (ROE) | 5.34% | 9.96% | 11.18% | 6.46% | 6.74% |
| Return on Capital Employed (ROCE) | 4.38% | 7.90% | 8.75% | 5.42% | 1.34% |
| Return on Invested Capital (ROIC) | 3.00% | 5.73% | 6.40% | 3.77% | 0.97% |
| Return on Tangible Assets | 0.49% | 0.83% | 1.01% | 0.70% | 0.93% |
| Earnings Yield | 5.40% | 7.31% | 15.49% | 8.89% | 6.93% |
| Efficiency Ratios | |||||
| Receivables Turnover | 9.88 | 9.06 | 9.70 | 7.17 | 8.74 |
| Payables Turnover | 0.00 | 0.00 | 13.42 | 6.60 | 0.26 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 11.54 | 11.06 | 23.88 | 12.06 | 7.96 |
| Asset Turnover | 0.05 | 0.06 | 0.06 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.07 | -0.08 | -0.08 | -0.11 | -0.15 |
| Cash Conversion Cycle | 36.95 | 40.29 | 10.44 | -4.39 | -1357.48 |
| Days of Sales Outstanding | 36.95 | 40.29 | 37.65 | 50.88 | 41.78 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 27.20 | 55.27 | 1399.26 |
| Operating Cycle | 36.95 | 40.29 | 37.65 | 50.88 | 41.78 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 4.77 | 10.50 | 3.61 | -1.19 | -4.98 |
| Free Cash Flow Per Share | 4.74 | 9.79 | 3.59 | -1.21 | -4.98 |
| Dividend Paid and CapEx Coverage Ratio | 35.90 | 12.30 | 23.91 | -7.58 | -28.06 |
| Capital Expenditure Coverage Ratio | 157.65 | 14.68 | 261.65 | -56.20 | -7736.07 |
| Operating Cash Flow Coverage Ratio | 1.39 | 2.51 | 0.86 | -0.30 | -1.08 |
| Operating Cash Flow to Sales Ratio | 0.49 | 0.93 | 0.40 | -0.25 | -1.14 |
| Free Cash Flow Yield | 28.33% | 46.76% | 34.66% | -13.04% | -33.55% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 18.60 | 13.67 | 6.46 | 11.24 | 14.42 |
| Price-to-Sales (P/S) Ratio | 1.73 | 1.85 | 1.14 | 1.92 | 3.41 |
| Price-to-Book (P/B) Ratio | 0.99 | 1.36 | 0.72 | 0.73 | 0.97 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 3.53 | 2.14 | 2.88 | -7.67 | -2.98 |
| Price-to-Operating Cash Flow Ratio | 3.51 | 1.99 | 2.87 | -7.80 | -2.98 |
| Price-to-Earnings Growth (PEG) Ratio | -0.47 | -2.68 | 0.07 | -0.63 | 0.84 |
| Enterprise Value Multiple | 1.22 | 7.43 | 4.22 | 7.99 | 4.66 |
| Enterprise Value | 54.22M | 426.79M | 250.57M | 275.62M | 151.68M |
| EV to EBITDA | 1.22 | 7.43 | 4.22 | 7.99 | 4.66 |
| EV to Sales | 0.18 | 1.45 | 1.05 | 2.08 | 1.60 |
| EV to Free Cash Flow | 0.36 | 1.68 | 2.66 | -8.29 | -1.40 |
| EV to Operating Cash Flow | 0.36 | 1.57 | 2.65 | -8.44 | -1.40 |
| Tangible Book Value Per Share | 16.18 | 14.44 | 14.03 | 12.46 | 14.84 |
| Shareholders’ Equity Per Share | 16.91 | 15.37 | 14.35 | 12.79 | 15.27 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.31 | 0.27 | 0.27 | 0.30 | 0.27 |
| Revenue Per Share | 9.65 | 11.34 | 9.06 | 4.83 | 4.35 |
| Net Income Per Share | 0.90 | 1.53 | 1.60 | 0.83 | 1.03 |
| Tax Burden | 0.69 | 0.73 | 0.73 | 0.70 | 0.73 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.24 | 0.18 | 0.20 | 0.34 | 0.33 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 |
| Income Quality | 5.28 | 6.86 | 2.25 | -1.44 | -4.84 |
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