VersaBank (VBNK) — 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. Explore VBNK cash flow metrics to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
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. Check cash flow reinvestment rate of VersaBank to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for VersaBank (2011–2025)
Year-by-year earnings quality comparison for VersaBank. For live market cap and the full company financial profile, see VersaBank market cap and net worth.
| 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 | — |