VersaBank
VBNK · NASDAQ
10/31/2025 | 10/31/2024 | 10/31/2023 | 10/31/2022 | |
|---|---|---|---|---|
| Operating Activities | – | – | – | – |
| Net Income | $28,458 | $39,748 | $42,162 | $22,658 |
| Dep. & Amort. | $3,101 | $2,634 | $1,783 | $1,938 |
| Deferred Tax | $13,035 | $15,045 | $15,483 | $9,890 |
| Stock-Based Comp. | $81 | $348 | $901 | $1,467 |
| Change in WC | $87,388 | $229,864 | $12,440 | -$75,128 |
| Other Non-Cash | -$87,612 | -$14,934 | $21,948 | $6,521 |
| Operating Cash Flow | -$679,392 | $272,705 | $94,717 | -$32,654 |
| Investing Activities | – | – | – | – |
| PP&E Inv. | -$954 | -$18,578 | -$362 | -$581 |
| Net Acquisitions | $0 | -$12,116 | $0 | $0 |
| Inv. Purchases | -$5,315 | $0 | -$27,778 | -$141,031 |
| Inv. Sales/Matur. | $218,527 | $0 | $0 | $0 |
| Other Inv. Act. | $0 | -$126,889 | $0 | $0 |
| Investing Cash Flow | $212,258 | -$157,583 | -$28,140 | -$141,612 |
| Financing Activities | – | – | – | – |
| Debt Repay. | -$367 | -$5,736 | -$700 | -$642 |
| Stock Issued | $0 | $607 | $280 | $0 |
| Stock Repurch. | -$9,127 | $0 | -$13,292 | -$1,930 |
| Dividends Paid | -$3,235 | -$3,588 | -$3,600 | -$3,729 |
| Other Fin. Act. | $30,278 | -$14,615 | $0 | $0 |
| Financing Cash Flow | $102,043 | -$23,332 | -$17,312 | -$6,301 |
| Forex Effect | -$2,296 | $1,222 | -$5,604 | -$2,375 |
| Net Chg. in Cash | $356,456 | $93,012 | $43,661 | -$182,942 |
| Supplemental Information | – | – | – | – |
| Beg. Cash | $225,254 | $132,242 | $88,581 | $271,523 |
| End Cash | $581,710 | $225,254 | $132,242 | $88,581 |
| Free Cash Flow | -$680,346 | $254,127 | $94,355 | -$33,235 |