VersaBank (VBNK) quarterly cash flow statement — complete operating, investing & financing history
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 |
|---|
| Cash from Operations | -44.28M | 55.64M | 49.38M | 183.57M | -99.44M | -89.06M | 153.28M | 86.91M | 50.62M | -18.11M | 71.89M | -132.55M | 19.43M | 34.17M | 13.24M | 26.13M | 40.84M | -112.86M | -98.08M | 26.7M |
| Operating CF Growth % | 55.47% | 162.47% | -67.79% | 111.22% | -296.43% | -391.7% | 113.2% | 165.57% | 160.51% | -153% | 442.93% | -607.26% | -52.41% | 130.28% | 113.5% | -2.13% | 490.71% | -326.24% | -3.65% | 78.66% |
| Net Income | 7.52M | 11.09M | 5.2M | 6.58M | 8.53M | 8.14M | 5.52M | 9.71M | 11.83M | 12.7M | 12.48M | 10M | 10.26M | 9.42M | 6.43M | 5.72M | 4.94M | 5.57M | 5.91M | 5.44M |
| Depreciation & Amortization | 0 | 0 | 902K | 727K | 728K | 744K | 842K | 586K | 632K | 574K | 435K | 431K | 450K | 467K | 507K | 458K | 483K | 490K | 456K | 452K |
| Deferred Taxes | 0 | 0 | 4.7M | 2.17M | 3.21M | 2.96M | 2.56M | 3.76M | 4.47M | 4.25M | 4.44M | 3.81M | 3.46M | 3.78M | 3.84M | 2.14M | 1.85M | 2.06M | 2.23M | 2M |
| Other Non-Cash Items | -66.97M | 117.44M | -30.11M | -8.22M | -11.43M | 3.25M | 8.99M | -21.92M | 3.82M | -5.82M | 20.39M | 3.04M | -12.02M | 10.54M | 9.57M | 4.93M | -4.9M | -3.08M | -2.19M | 3.83M |
| Working Capital Changes | 15.17M | -72.88M | 68.68M | 182.32M | -100.47M | -104.24M | 135.3M | 94.71M | 29.8M | -29.95M | 33.98M | -150.03M | 17.09M | 9.63M | -7.54M | 12.46M | 38.04M | -118.09M | -104.47M | 14.98M |
| Cash from Investing | -18.23M | -11.76M | 76.93M | -57.56M | 57.6M | 135.28M | -153.03M | -51.95M | 28.78M | 18.61M | -27.79M | -12K | 9.43M | 92M | -7.44M | -133.98M | -163K | -32K | 53K | 0 |
| Purchase of Investments | -4.6M | -20.15M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -42.16M | 0 | 0 | -7.6M | -133.43M | 0 | 0 | 0 | 0 |
| Sale/Maturity of Investments | 0 | 1.04M | 82.54M | -53.36M | 52.61M | 136.74M | 0 | -49.62M | 29.14M | 34.61M | 0 | -101.77M | 9.74M | 92.03M | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Investment Activity | -4.6M | -19.12M | 82.54M | -53.36M | 52.61M | 136.74M | 0 | -49.62M | 29.14M | 34.61M | 0 | -143.92M | 9.74M | 92.03M | -7.6M | -133.43M | 0 | 0 | 0 | 0 |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -8.15M | 7.53M | -5.32M | -4.26M | 4.26M | 0 | -153.13M | 0 | 0 | 0 | -27.78M | 143.92M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash from Financing | 915K | 967K | -4.13M | -6.42M | -1.28M | 113.88M | -15.1M | -1.08M | -6.08M | -1.07M | -790K | -1.8M | -5.31M | -9.41M | -3.03M | -955K | -1.21M | -1.1M | 72.13M | -937K |
| Dividends Paid | -801.73K | -800.26K | -802K | -807K | -813K | -813K | -897K | -897K | -897K | -897K | -897K | -895K | -898K | -910K | -927K | -934K | -934K | -934K | -931K | -775K |
| Share Repurchases | 0 | 0 | -2.65M | -5.41M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -734K | -4.24M | -8.32M | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 1.89M | 1.97M | 415.91K | 0 | -690K | 114.88M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 1.89M | 1.97M | -2.24M | -5.41M | -690K | 114.88M | 0 | 0 | 0 | 0 | 0 | -734K | -4.24M | -8.32M | 0 | 0 | 0 | 0 | 0 | 0 |
| Debt Issuance (Net) | -174K | -204K | -198K | -209K | 223K | -183K | -195K | -184K | -1000K | -177K | -173K | -176K | -175K | -176K | -173K | -21K | -279K | -169K | -163K | -162K |
| Other Financing | 361 | -1.84K | -898.49K | 0 | 0 | 0 | -14.62M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1.93M | 0 | 0 | 0 | 73.23M | 0 |
| Net Change in Cash | -59.84M | 46.29M | 121.4M | 120.13M | -46.51M | 161.44M | -22.73M | 49.17M | 71.3M | -4.73M | 44.52M | -135.94M | 22.29M | 112.79M | 4.37M | -113.94M | 42.92M | -116.28M | -25.48M | 24.58M |
| Exchange Rate Effect | 1.75M | 1.45M | -777K | 541K | -3.39M | 1.33M | -7.88M | 15.29M | -2.03M | -4.16M | 1.2M | -1.56M | -1.26M | -3.98M | 1.59M | -5.14M | 3.46M | -2.29M | 408K | -1.19M |
| Cash at Beginning | 628M | 581.71M | 460.31M | 340.19M | 386.69M | 225.25M | 247.98M | 198.81M | 127.51M | 132.24M | 87.73M | 223.66M | 201.37M | 88.58M | 84.21M | 198.16M | 155.24M | 271.52M | 297M | 272.43M |
| Cash at End | 568.16M | 628M | 581.71M | 460.31M | 340.19M | 386.69M | 225.25M | 247.98M | 198.81M | 127.51M | 132.24M | 87.73M | 223.66M | 201.37M | 88.58M | 84.21M | 198.16M | 155.24M | 271.52M | 297M |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 22.45M | -61.12M | 49.09M | 183.63M | -98.71M | -90.51M | 153.39M | 84.58M | 50.27M | -34.12M | 71.88M | -132.56M | 19.12M | 34.15M | 13.41M | 25.58M | 40.67M | -112.9M | -98.02M | 26.7M |
| FCF Growth % | 122.74% | 32.47% | -68% | 117.1% | -296.34% | -165.32% | 113.38% | 163.8% | 162.93% | -199.9% | 436.16% | -618.24% | -52.99% | 130.25% | 113.68% | -4.2% | 489.15% | -325.28% | -3.59% | 77.95% |