VersaBank (VBNK) — Cash Flow-to-Debt Ratio
VersaBank (VBNK) has a Cash Flow-to-Debt Ratio of -0.01x as of January 2026, meaning its operating cash flow of CA$-60.86 Million could theoretically repay 0% of its total liabilities (CA$5.60 Billion) in one year. See how much free cash does VersaBank generate to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
VersaBank Cash Flow-to-Debt Ratio (2011–2025)
Historical debt coverage capacity for VersaBank across 15 annual periods. Also explore VersaBank net asset momentum to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for VersaBank (2011–2025)
Year-by-year debt coverage analysis for VersaBank. For market capitalisation and broader financial context, see VBNK market cap.
| Year | CF-to-Debt Ratio | Operating CF (CAD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.01x | CA$44.45 Million | CA$5.28 Billion | ▼ -86.3% |
| 2024 | 0.06x | CA$272.70 Million | CA$4.44 Billion | ▲ +148.0% |
| 2023 | 0.02x | CA$94.72 Million | CA$3.82 Billion | ▲ +321.1% |
| 2022 | -0.01x | CA$-32.65 Million | CA$2.92 Billion | ▲ +78.5% |
| 2021 | -0.05x | CA$-108.31 Million | CA$2.08 Billion | ▼ -162.9% |
| 2020 | 0.08x | CA$139.59 Million | CA$1.69 Billion | ▲ +545.8% |
| 2019 | 0.01x | CA$19.78 Million | CA$1.55 Billion | ▲ +236.2% |
| 2018 | -0.01x | CA$-14.90 Million | CA$1.59 Billion | ▼ -118.3% |
| 2017 | 0.05x | CA$77.88 Million | CA$1.52 Billion | ▲ +267.8% |
| 2016 | -0.03x | CA$-46.47 Million | CA$1.52 Billion | ▲ +22.7% |
| 2015 | -0.04x | CA$-57.44 Million | CA$1.45 Billion | ▼ -76.4% |
| 2014 | -0.02x | CA$-29.02 Million | CA$1.29 Billion | ▲ +67.8% |
| 2013 | -0.07x | CA$-88.53 Million | CA$1.27 Billion | ▼ -883.2% |
| 2012 | -0.01x | CA$-10.21 Million | CA$1.44 Billion | ▲ +51.4% |
| 2011 | -0.01x | CA$-20.23 Million | CA$1.39 Billion | — |