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 CA$-60.86 Million is below net income of CA$11.07 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore VBNK strategic capital deployment ratio to see how much of total assets are deployed in long-term investments.
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 tangible equity quality of VersaBank to evaluate the tangible quality of the company's equity base.
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 capitalisation.
| Year | Quality Index | Operating CF (CAD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.56x | CA$44.45 Million | CA$28.46 Million | ▼ -77.2% |
| 2024 | 6.86x | CA$272.70 Million | CA$39.75 Million | ▲ +205.4% |
| 2023 | 2.25x | CA$94.72 Million | CA$42.16 Million | ▲ +255.9% |
| 2022 | -1.44x | CA$-32.65 Million | CA$22.66 Million | ▲ +70.2% |
| 2021 | -4.84x | CA$-108.31 Million | CA$22.38 Million | ▼ -167.3% |
| 2020 | 7.19x | CA$139.59 Million | CA$19.41 Million | ▲ +634.5% |
| 2019 | 0.98x | CA$19.78 Million | CA$20.20 Million | ▲ +218.8% |
| 2018 | -0.82x | CA$-14.90 Million | CA$18.07 Million | ▼ -120.6% |
| 2017 | 4.00x | CA$77.88 Million | CA$19.47 Million | ▲ +172.9% |
| 2016 | -5.49x | CA$-46.47 Million | CA$8.47 Million | ▲ +21.5% |
| 2015 | -6.99x | CA$-57.44 Million | CA$8.22 Million | ▼ -36.7% |
| 2014 | -5.11x | CA$-29.02 Million | CA$5.68 Million | ▲ +89.8% |
| 2013 | -50.19x | CA$-88.53 Million | CA$1.76 Million | ▼ -1780.5% |
| 2012 | -2.67x | CA$-10.21 Million | CA$3.82 Million | ▲ +0.1% |
| 2011 | -2.67x | CA$-20.23 Million | CA$7.57 Million | — |