VersaBank Reports 12% Revenue Growth to CAD 124,641K for FY 2025
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Dec 10 2025
0mins
Should l Buy VBNK?
Source: PRnewswire
- Revenue Growth: VersaBank reported total revenue of CAD 124,641K for FY 2025, reflecting a 12% year-over-year increase, indicating strong performance in its digital banking operations, particularly in the US and Canada.
- Net Income Performance: The bank's Q4 net income was CAD 5,204K, down 21% year-over-year; however, adjusted net income rose 9% to CAD 10,549K, demonstrating progress in optimizing its cost structure.
- Asset Expansion: As of October 31, 2025, VersaBank's total assets reached CAD 5.808 billion, a 20% increase from the previous year, providing a solid foundation for future business expansion and market competitiveness.
- Capital Adequacy Ratio: VersaBank's Common Equity Tier 1 capital ratio stood at 12.92%, down 5% from last year but still above regulatory requirements, showcasing its robust capital management capabilities.
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Analyst Views on VBNK
Wall Street analysts forecast VBNK stock price to fall
2 Analyst Rating
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 16.010
Low
13.00
Averages
13.70
High
14.40
Current: 16.010
Low
13.00
Averages
13.70
High
14.40
About VBNK
VersaBank is a Canadian Schedule I chartered bank. It offers a receivable purchase program (RPP) funding solution for point-of-sale finance companies. It also owns DRT Cyber Inc., which provides the provision of cybersecurity services designed to address the growing volume of cyber threats challenging financial institutions, multinational corporations, and government entities. Its segment consists of Digital Banking Canada, Digital Banking USA and DRTC. Under Digital Banking Canada, the Bank employs a branchless business-to-business (partner-based) model using its financial technology to address underserved segments in the Canadian and U.S. banking markets. Under Digital Banking USA, the Bank intends to adopt a business-to-business model, to address underserved segments of the U.S. banking market. Under VersaBank USA, it plans to acquire deposits and deliver the majority of its loans and leases electronically through deposit and lending solutions tailored for financial intermediaries.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Technology Utilization: Stablecorp will leverage VersaBank's proprietary VersaVault® technology, which enhances the security and efficiency of asset management, thereby increasing client trust.
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- Market Potential: Stablecorp's QCAD has become Canada's first regulatory-compliant Canadian-dollar stablecoin, which is expected to drive growth for VersaBank in the digital asset sector and further solidify its leadership position in the North American market.
- Innovative Revenue Model: VersaBank will earn income through custody fees based on QCAD assets and spreads on deposits, with this new business expected to significantly boost its net interest income and enhance overall financial performance.
See More
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- 1x1 Meeting Requests: Selected companies are accepting 1x1 management meeting requests until January 30, providing investors with direct engagement opportunities with company executives, thereby improving investor relations management.
- Investor Engagement Platform: The conference offers a real-time investor engagement solution designed to provide publicly traded companies with more efficient access to investors, facilitating direct communication between companies and their stakeholders.
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- Free Participation: The conference is free to attend, allowing investors to pre-register and run system checks for expedited participation and event updates, enhancing accessibility for investors.
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- Multiple Companies Presenting: The event will feature presentations from various digital asset companies, including Africa Bitcoin Corporation and VersaBank, providing a platform for direct engagement with investors and strengthening connections between companies and their investors.
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