VersaBank (VBNK) — Cash Flow Quality Index
Latest as of January 2026:
-5.50x
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. Explore VersaBank (VBNK) cash flow to debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
-5.50x
Operating CF / Net Income
Operating Cash Flow
$-60.95 Million
USD
Net Income
$11.09 Million
USD
Data as of
Jan 2026
Most recent filing
VersaBank Cash Flow Quality Index (2011–2025)
Historical Cash Flow Quality Index for VersaBank across 15 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see VersaBank (VBNK) cash flow conversion.
Annual Cash Flow Quality Index for VersaBank (2011–2025)
Year-by-year earnings quality comparison for VersaBank.
| 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 | — |
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.