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STOCKS

Versabank (US) (TSE:VBNK)

:VBNK

VBNK

Versabank

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Versabank (VBNK) Ratios

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Versabank Ratios

TSE:VBNK's free cash flow for Q1 2025 was C$1.00. For the 2025 fiscal year, TSE:VBNK's free cash flow was decreased by C$ and operating cash flow was C$0.40. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.12	0.04	11.56	2.40	2.64
Quick Ratio	0.12	0.04	26.03	4.73	5.21
Cash Ratio	0.05	0.04	11.56	2.31	2.57
Solvency Ratio	<0.01	0.01	<0.01	0.01	0.01
Operating Cash Flow Ratio	0.07	0.03	-4.26	-0.92	1.39
Short-Term Operating Cash Flow Coverage	0.00	0.00	-46.12	-161.89	0.00
Net Current Asset Value	C$ -3.92B	C$ -3.69B	C$ -2.83B	C$ -1.80B	C$ -1.42B
Leverage Ratios
Debt-to-Assets Ratio	0.02	0.03	0.03	0.04	<0.01
Debt-to-Equity Ratio	0.27	0.29	0.30	0.30	0.07
Debt-to-Capital Ratio	0.21	0.23	0.23	0.23	0.06
Long-Term Debt-to-Capital Ratio	0.20	0.22	0.23	0.22	0.05
Financial Leverage Ratio	12.12	11.14	9.35	7.27	7.61
Debt Service Coverage Ratio	0.23	0.34	0.48	0.80	0.64
Interest Coverage Ratio	0.31	0.45	1.65	1.05	0.84
Debt to Market Cap	0.19	0.39	0.41	0.30	0.10
Interest Debt Per Share	11.22	9.13	5.66	5.96	2.30
Net Debt to EBITDA	-2.03	-0.36	0.47	-5.26	-8.64
Profitability Margins
Gross Profit Margin	100.00%	100.56%	100.00%	100.00%	100.00%
EBIT Margin	49.08%	53.36%	39.50%	-2.65%	-2.12%
EBITDA Margin	51.44%	55.01%	41.86%	49.75%	51.49%
Operating Profit Margin	51.44%	53.36%	100.37%	47.11%	49.37%
Pretax Profit Margin	49.08%	53.36%	39.50%	47.11%	49.37%
Net Profit Margin	35.61%	39.03%	27.50%	34.24%	35.81%
Continuous Operations Profit Margin	35.61%	39.03%	27.50%	34.24%	35.81%
Net Income Per EBT	72.54%	73.14%	69.61%	72.69%	72.54%
EBT Per EBIT	95.41%	100.00%	39.36%	100.00%	100.00%
Return on Assets (ROA)	0.82%	1.00%	0.69%	0.93%	1.00%
Return on Equity (ROE)	9.96%	11.18%	6.49%	6.74%	7.60%
Return on Capital Employed (ROCE)	8.43%	8.82%	2.54%	1.34%	1.45%
Return on Invested Capital (ROIC)	6.11%	6.71%	25.79%	11.93%	10.59%
Return on Tangible Assets	0.83%	1.01%	0.70%	0.93%	1.01%
Earnings Yield	7.31%	15.49%	8.89%	6.93%	13.94%
Efficiency Ratios
Receivables Turnover	3.44	0.00	0.00	6.03	7.96
Payables Turnover	0.00	-0.08	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	4.19	10.84	7.50	5.50	5.19
Asset Turnover	0.02	0.03	0.03	0.03	0.03
Working Capital Turnover Ratio	-0.03	-0.06	0.67	0.40	0.52
Cash Conversion Cycle	106.25	4.47K	0.00	60.53	45.85
Days of Sales Outstanding	106.25	0.00	0.00	60.53	45.85
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	-4.47K	0.00	0.00	0.00
Operating Cycle	106.25	0.00	0.00	60.53	45.85
Cash Flow Ratios
Operating Cash Flow Per Share	10.50	3.98	-1.19	-4.98	6.61
Free Cash Flow Per Share	9.79	3.59	-1.21	-4.98	6.60
CapEx Per Share	0.72	0.01	0.02	<0.01	0.01
Free Cash Flow to Operating Cash Flow	0.93	0.90	1.02	1.00	1.00
Dividend Paid and CapEx Coverage Ratio	12.30	26.39	-7.58	-28.06	30.85
Capital Expenditure Coverage Ratio	14.68	288.81	-56.20	-7.74K	569.78
Operating Cash Flow Coverage Ratio	2.51	0.95	-0.31	-1.08	8.35
Operating Cash Flow to Sales Ratio	2.44	0.97	-0.40	-1.66	2.58
Free Cash Flow Yield	46.76%	34.66%	-13.04%	-33.55%	100.10%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	13.67	6.46	11.24	14.42	7.17
Price-to-Sales (P/S) Ratio	4.87	2.52	3.09	4.94	2.57
Price-to-Book (P/B) Ratio	1.36	0.72	0.73	0.97	0.55
Price-to-Free Cash Flow (P/FCF) Ratio	2.14	2.88	-7.67	-2.98	1.00
Price-to-Operating Cash Flow Ratio	1.99	2.60	-7.80	-2.98	1.00
Price-to-Earnings Growth (PEG) Ratio	-2.68	0.07	-0.63	0.84	-2.03
Price-to-Fair Value	1.36	0.72	0.73	0.97	0.55
Enterprise Value Multiple	7.43	4.22	7.86	4.66	-3.65
Enterprise Value	426.79M	250.57M	271.15M	151.68M	-101.72M
EV to EBITDA	7.43	4.22	7.86	4.66	-3.65
EV to Sales	3.82	2.32	3.29	2.32	-1.88
EV to Free Cash Flow	1.68	2.66	-8.16	-1.40	-0.73
EV to Operating Cash Flow	1.57	2.40	-8.30	-1.40	-0.73
Tangible Book Value Per Share	14.44	14.03	12.40	14.84	12.09
Shareholders’ Equity Per Share	15.37	14.35	12.73	15.27	12.09
Tax and Other Ratios
Effective Tax Rate	0.27	0.27	0.30	0.27	0.27
Revenue Per Share	4.30	4.11	3.00	3.00	2.57
Net Income Per Share	1.53	1.60	0.83	1.03	0.92
Tax Burden	0.73	0.73	0.70	0.73	0.73
Interest Burden	1.00	1.00	1.00	-17.81	-23.28
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.47	0.14	0.55	0.48	0.47
Stock-Based Compensation to Revenue	<0.01	<0.01	0.02	0.00	0.00
Income Quality	6.86	2.48	-1.44	-4.84	7.19

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