VersaBank annual free cash flow
2020
2021
2022
2023
2024
2025
VersaBank Free Cash Flow (FCF) History (VBNK)
VersaBank reported $43.5M in free cash flow for fiscal 2025, a decrease of 82.88% from the previous fiscal year, with a free cash flow margin of 34.90%.
View full VersaBank company overviewVersaBank free cash flow by year
| Fiscal year | Period ended | Free cash flow | Change | Growth | FCF margin |
|---|---|---|---|---|---|
| 2025 | 2025-10-31 | $43.5M | −$210.6M | −82.88% | +34.90% |
| 2024 | 2024-10-31 | $254.1M | $159.8M | +169.33% | +227.65% |
| 2023 | 2023-10-31 | $94.4M | $127.6M | — | +86.86% |
| 2022 | 2022-10-31 | −$33.2M | $75.1M | — | −40.34% |
| 2021 | 2021-10-31 | −$108.3M | −$247.7M | — | −165.73% |
| 2020 | 2020-10-31 | $139.3M | — | — | +257.17% |
VersaBank quarterly free cash flow
Q1.23
Q2.23
Q3.23
Q4.23
Q1.24
Q2.24
Q3.24
Q4.24
Q1.25
Q2.25
Q3.25
Q4.25
Q1.26
| Fiscal quarter | Period ended | Free cash flow | Change | YoY growth | FCF margin |
|---|---|---|---|---|---|
| Q1 2026 | 2026-01-31 | $55.5M | $146.0M | — | +151.91% |
| Q4 2025 | 2025-10-31 | $49.1M | −$104.1M | −67.95% | +139.88% |
| Q3 2025 | 2025-07-31 | $183.5M | $98.9M | +116.97% | +581.06% |
| Q2 2025 | 2025-04-30 | −$100.2M | −$150.4M | — | −332.36% |
| Q1 2025 | 2025-01-31 | −$90.5M | −$56.4M | — | −325.27% |
| Q4 2024 | 2024-10-31 | $153.2M | $123.5M | +415.27% | +561.41% |
| Q3 2024 | 2024-07-31 | $84.6M | $73.2M | +644.70% | +313.32% |
| Q2 2024 | 2024-04-30 | $50.3M | $31.2M | +162.93% | +176.39% |
| Q1 2024 | 2024-01-31 | −$34.1M | −$68.3M | — | −118.25% |
| Q4 2023 | 2023-10-31 | $29.7M | — | — | +101.90% |
| Q3 2023 | 2023-07-31 | $11.4M | — | — | +42.29% |
| Q2 2023 | 2023-04-30 | $19.1M | — | — | +71.65% |
| Q1 2023 | 2023-01-31 | $34.1M | — | — | +131.76% |
VersaBank free cash flow growth trends
Over the last five reported fiscal years, free cash flow declined from $139.3M to $43.5M, a compound annual decline of 20.77%. VersaBank's latest reported quarter, Q1 2026, generated $55.5M in free cash flow, an increase of $146.0M year over year.
About the metric
What free cash flow means
Free cash flow is the cash a company generates from operations after capital expenditures. Positive FCF can fund dividends, buybacks, debt repayment, or reinvestment; negative FCF means capital spending exceeded operating cash flow for that period.
Calculation and source
How free cash flow is calculated
TickerStat calculates free cash flow as SEC-reported operating cash flow minus capital expenditures. FCF margin equals free cash flow divided by revenue. Fiscal periods can differ from calendar years, so the tables include exact period-end dates.
Review VersaBank filings at SEC.gov ↗