VersaBank (VBNK) — Cash Flow Quality Index
Latest as of July 2026:
3.52x
VersaBank (VBNK) has a Cash Flow Quality Index of 3.52x as of July 2026. Operating cash flow of CA$35.41 Million exceeds net income of CA$10.06 Million, indicating high earnings quality where cash backs reported profits. Explore VersaBank (VBNK) cash flow to debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
3.52x
Operating CF / Net Income
Operating Cash Flow
CA$35.41 Million
CAD
Net Income
CA$10.06 Million
CAD
Data as of
Jul 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 (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 | — |
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.