VersaBank Cash Flow Quality Index
VersaBank cash flow quality index. VersaBank (VBNK) has a Cash Flow Quality Index of -5.50x as of January 2026. Operating cash flow of $-60.95 Million is below net income of $11.09 Million, suggesting accrual-heavy earnings not yet converted to cash. See VersaBank financial flexibility index to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of VersaBank (2011–2025)
Cash flow quality index of VersaBank from 2011 to 2025. Historical Cash Flow Quality Index for VersaBank across 15 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore VBNK cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
VersaBank Cash Flow Quality Index by Year (2011–2025)
VersaBank cash flow quality index by year from 2011 to 2025. Year-by-year earnings quality comparison for VersaBank. For the full cash flow conversion analysis, see VersaBank operating cash flow efficiency.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.56x | $44.45 Million | $28.46 Million | ▼ -77.2% |
| 2024 | 6.86x | $272.70 Million | $39.75 Million | ▲ +205.4% |
| 2023 | 2.25x | $94.72 Million | $42.16 Million | ▲ +255.9% |
| 2022 | -1.44x | $-32.65 Million | $22.66 Million | ▲ +70.2% |
| 2021 | -4.84x | $-108.31 Million | $22.38 Million | ▼ -167.3% |
| 2020 | 7.19x | $139.59 Million | $19.41 Million | ▲ +634.5% |
| 2019 | 0.98x | $19.78 Million | $20.20 Million | ▲ +218.8% |
| 2018 | -0.82x | $-14.90 Million | $18.07 Million | ▼ -120.6% |
| 2017 | 4.00x | $77.88 Million | $19.47 Million | ▲ +172.9% |
| 2016 | -5.49x | $-46.47 Million | $8.47 Million | ▲ +21.5% |
| 2015 | -6.99x | $-57.44 Million | $8.22 Million | ▼ -36.7% |
| 2014 | -5.11x | $-29.02 Million | $5.68 Million | ▲ +89.8% |
| 2013 | -50.19x | $-88.53 Million | $1.76 Million | ▼ -1780.5% |
| 2012 | -2.67x | $-10.21 Million | $3.82 Million | ▲ +0.1% |
| 2011 | -2.67x | $-20.23 Million | $7.57 Million | — |