Income Statement - VersaBank (VBNK)
$(Billion, Million)| Oct-25 | Oct-24 | Oct-23 | Oct-22 | Oct-21 | Oct-20 | Oct-19 | Oct-18 | Oct-17 | Oct-16 | Oct-15 | Oct-14 | Oct-13 | Oct-12 | Oct-11 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total revenue | 120.23 | 111.63 | 237.92 | 132.54 | 94.69 | 86.15 | 88.33 | 81.10 | 71.62 | 70.94 | 65.85 | 60.79 | 63.24 | 32.90 | 29.23 |
| Cost of revenue | 182.50 | 129.89 | 50.60 | 28.89 | 31.63 | 34.11 | 29.75 | 27.66 | 32.13 | 32.03 | 31.21 | 35.79 | 41.76 | 39.48 | |
| Gross profit | 120.23 | 111.63 | 108.03 | 81.94 | 65.80 | 54.53 | 54.22 | 51.35 | 43.97 | 38.81 | 33.82 | 29.59 | 27.45 | 32.90 | 29.23 |
| Total operating expenses | 78.74 | 57.11 | 50.38 | 49.39 | 35.01 | 27.78 | 26.40 | 26.34 | 29.24 | 27.05 | 24.78 | 23.38 | 24.95 | 16.49 | 21.13 |
| Operating income | 41.49 | 54.79 | 57.65 | 32.55 | 30.79 | 26.75 | 27.82 | 25.01 | 14.73 | 11.76 | 9.04 | 6.21 | 2.51 | 8.09 | 11.19 |
| Non-operating income (net) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income before tax | 41.49 | 54.79 | 57.65 | 32.55 | 30.79 | 26.75 | 27.82 | 25.01 | 14.73 | 11.76 | 9.04 | 6.21 | 2.51 | 8.09 | 11.19 |
| Income tax expense | 13.04 | 15.05 | 15.48 | 9.89 | 8.41 | 7.35 | 7.63 | 6.94 | -4.74 | 3.29 | 0.82 | 0.53 | 0.74 | 4.27 | 3.62 |
| Net income | 28.46 | 39.75 | 42.16 | 22.66 | 22.38 | 19.41 | 20.20 | 18.07 | 19.47 | 8.47 | 8.22 | 5.68 | 1.76 | 3.82 | 7.57 |
Show Quarterly Income Statement
Income Statement - VersaBank (VBNK)
$(Billion, Million)| Apr-26 | Jan-26 | Oct-25 | Jul-25 | Apr-25 | Jan-25 | Oct-24 | Jul-24 | Apr-24 | Jan-24 | Oct-23 | Jul-23 | Apr-23 | Jan-23 | Oct-22 | Jul-22 | Apr-22 | Jan-22 | Oct-21 | Jul-21 | Apr-21 | Jan-21 | Oct-20 | Jul-20 | Apr-20 | Jan-20 | Oct-19 | Jul-19 | Apr-19 | Jan-19 | Oct-18 | Jul-18 | Apr-18 | Jan-18 | Oct-17 | Jul-17 | Apr-17 | Jan-17 | Oct-16 | Jul-16 | Apr-16 | Jan-16 | Oct-15 | Jul-15 | Apr-15 | Jan-15 | Oct-14 | Jul-14 | Apr-14 | Jan-14 | Oct-13 | Jul-13 | Apr-13 | Jan-13 | Oct-12 | Jul-12 | Apr-12 | Jan-12 | Oct-11 | Jul-11 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total revenue | 85.65 | 83.98 | 79.93 | 75.79 | 73.08 | 75.35 | 75.62 | 73.70 | 73.50 | 71.58 | 69.02 | 62.02 | 55.67 | 51.21 | 43.85 | 35.35 | 27.24 | 26.10 | 26.01 | 23.59 | 22.52 | 22.56 | 21.09 | 20.18 | 22.70 | 22.19 | 22.24 | 22.98 | 21.13 | 21.98 | 22.16 | 20.46 | 19.40 | 19.08 | 18.15 | 17.60 | 17.01 | 18.87 | 17.78 | 17.97 | 17.63 | 17.55 | 17.07 | 16.88 | 15.93 | 15.97 | 15.87 | 14.78 | 14.86 | 15.29 | 15.54 | 15.56 | 15.18 | 16.98 | 17.99 | 18.92 | 18.86 | 18.41 | 23.43 | 14.85 |
| Cost of revenue | 47.79 | 48.11 | 46.16 | 45.39 | 43.83 | 48.55 | 48.18 | 46.70 | 45.02 | 42.60 | 39.67 | 35.33 | 29.22 | 25.67 | 19.80 | 14.28 | 8.68 | 7.84 | 7.50 | 7.95 | 6.24 | 7.20 | 6.78 | 7.74 | 8.70 | 8.40 | 8.63 | 9.28 | 7.97 | 8.23 | 8.52 | 7.61 | 6.88 | 6.74 | 6.74 | 6.87 | 6.30 | 7.74 | 7.82 | 7.82 | 8.20 | 8.30 | 8.04 | 8.08 | 7.80 | 8.10 | 7.87 | 7.77 | 7.60 | 7.96 | 8.44 | 8.66 | 8.95 | 9.75 | 10.15 | 10.54 | 10.65 | 10.42 | 10.07 | 10.37 |
| Gross profit | 37.85 | 35.87 | 33.77 | 30.40 | 29.25 | 26.80 | 27.44 | 27.00 | 28.49 | 28.98 | 29.36 | 26.69 | 26.45 | 25.53 | 24.05 | 21.07 | 18.56 | 18.26 | 18.52 | 15.63 | 16.28 | 15.37 | 14.31 | 12.44 | 14.00 | 13.79 | 13.61 | 13.70 | 13.16 | 13.75 | 13.64 | 12.85 | 12.52 | 12.34 | 11.41 | 10.73 | 10.71 | 11.13 | 9.96 | 10.16 | 9.43 | 9.26 | 9.03 | 8.80 | 8.13 | 7.87 | 8.00 | 7.00 | 7.26 | 7.32 | 7.10 | 6.89 | 6.23 | 7.23 | 7.85 | 8.38 | 8.21 | 7.99 | 13.36 | 4.47 |
| Total operating expenses | 27.48 | 20.58 | 23.87 | 21.65 | 17.52 | 15.70 | 19.37 | 13.53 | 12.19 | 12.02 | 12.44 | 12.88 | 12.73 | 12.34 | 13.77 | 13.22 | 11.77 | 10.64 | 10.38 | 8.20 | 8.34 | 8.09 | 7.76 | 6.41 | 6.90 | 6.71 | 6.17 | 6.86 | 6.41 | 6.95 | 6.42 | 6.41 | 6.62 | 6.89 | 7.50 | 7.01 | 7.80 | 6.93 | 7.33 | 6.75 | 6.92 | 6.05 | 6.56 | 6.42 | 6.26 | 5.54 | 6.24 | 5.59 | 5.58 | 5.97 | 7.34 | 5.67 | 6.26 | 5.68 | 6.82 | 6.17 | 6.06 | 5.30 | 4.34 | 4.95 |
| Operating income | 10.38 | 15.29 | 9.90 | 8.75 | 11.73 | 11.10 | 8.08 | 13.46 | 16.30 | 16.95 | 16.92 | 13.81 | 13.72 | 13.20 | 10.27 | 7.86 | 6.79 | 7.63 | 8.14 | 7.43 | 7.94 | 7.28 | 6.55 | 6.03 | 7.10 | 7.09 | 7.44 | 6.84 | 6.75 | 6.79 | 7.21 | 6.45 | 5.90 | 5.45 | 3.91 | 3.71 | 2.91 | 4.20 | 2.64 | 3.40 | 2.52 | 3.20 | 2.46 | 2.38 | 1.87 | 2.33 | 1.76 | 1.42 | 1.68 | 1.36 | -0.24 | 1.23 | -0.03 | 1.55 | 1.03 | 2.22 | 2.15 | 2.70 | 9.02 | -0.48 |
| Non-operating income (net) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income before tax | 10.38 | 15.29 | 9.90 | 8.75 | 11.73 | 11.10 | 8.08 | 13.46 | 16.30 | 16.95 | 16.92 | 13.81 | 13.72 | 13.20 | 10.27 | 7.86 | 6.79 | 7.63 | 8.14 | 7.43 | 7.94 | 7.28 | 6.55 | 6.03 | 7.10 | 7.09 | 7.44 | 6.84 | 6.75 | 6.79 | 7.21 | 6.45 | 5.90 | 5.45 | 3.91 | 3.71 | 2.91 | 4.20 | 2.64 | 3.40 | 2.52 | 3.20 | 2.46 | 2.38 | 1.87 | 2.33 | 1.76 | 1.42 | 1.68 | 1.36 | -0.24 | 1.23 | -0.03 | 1.55 | 1.03 | 2.22 | 2.15 | 2.70 | 9.02 | -0.48 |
| Income tax expense | 2.85 | 4.21 | 4.70 | 2.17 | 3.21 | 2.96 | 2.56 | 3.76 | 4.47 | 4.26 | 4.44 | 3.81 | 3.46 | 3.78 | 3.84 | 2.14 | 1.85 | 2.06 | 2.23 | 2.00 | 2.20 | 1.99 | 1.80 | 1.66 | 1.95 | 1.94 | 2.04 | 1.87 | 1.85 | 1.86 | 2.05 | 1.77 | 1.65 | 1.48 | 1.08 | 1.03 | 0.81 | -7.66 | 0.74 | 0.95 | 0.71 | 0.89 | -0.31 | 0.67 | -0.19 | 0.65 | -0.72 | 0.40 | 0.47 | 0.38 | -0.05 | 0.35 | 0.01 | 0.44 | 1.93 | 0.43 | 1.04 | 0.86 | 2.79 | -0.15 |
| Net income | 7.52 | 11.09 | 5.20 | 6.58 | 8.53 | 8.14 | 5.52 | 9.71 | 11.83 | 12.70 | 12.48 | 10.00 | 10.26 | 9.42 | 6.43 | 5.72 | 4.94 | 5.57 | 5.91 | 5.44 | 5.74 | 5.29 | 4.75 | 4.37 | 5.15 | 5.14 | 5.41 | 4.96 | 4.90 | 4.93 | 5.16 | 4.68 | 4.26 | 3.98 | 2.82 | 2.68 | 2.10 | 11.86 | 1.90 | 2.46 | 1.81 | 2.31 | 2.77 | 1.71 | 2.06 | 1.68 | 2.48 | 1.02 | 1.21 | 0.98 | -0.19 | 0.88 | -0.04 | 1.12 | -0.91 | 1.78 | 1.11 | 1.84 | 6.23 | -0.32 |