VersaBank (VBNK) — Defensive Interval Ratio

Latest as of October 2025: 2 days

VersaBank (VBNK) has a Defensive Interval Ratio of 2 days as of October 2025. Defensive assets of CA$31.74 Million (cash CA$-, short-term investments CA$953.00K, receivables CA$30.79 Million) cover 2 days of daily cash needs of CA$13.32 Million/day. Check VersaBank tangible equity quality to evaluate the tangible quality of the company's equity base.

Defensive Interval Ratio

2 days
Days of operational coverage

Defensive Assets

CA$31.74 Million
Cash + ST Investments + Receivables

Daily Cash Need

CA$13.32 Million
Current Liabilities ÷ 365

Current Liabilities

CA$4.86 Billion
CAD

VersaBank Defensive Interval Ratio (2011–2025)

This chart shows how VersaBank's Defensive Interval Ratio has evolved across 15 annual periods from 2011 to 2025. As of October 2025, the ratio stands at 2 days, meaning defensive assets of CA$31.74 Million can fund 2 days of operations without new revenue. Also explore VBNK net assets growth trend to track the company's year-over-year net asset growth rate.

Annual Defensive Interval Ratio for VersaBank (2011–2025)

The table below presents the year-by-year Defensive Interval Ratio for VersaBank from 2011 to 2025, covering 15 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see VersaBank (VBNK) total market value.

Year DIR (days) Defensive Assets (CAD) Daily Cash Need Cash ST Investments Change (days)
2025 2 days CA$31.74 Million CA$13.32 Million/day CA$- CA$953.00K ▼ -1 days
2024 3 days CA$33.45 Million CA$11.36 Million/day CA$- CA$953.00K ▲ +0 days
2023 3 days CA$25.49 Million CA$9.71 Million/day CA$- CA$953.00K ▼ 0 days
2022 3 days CA$19.43 Million CA$7.30 Million/day CA$- CA$953.00K ▼ -35 days
2021 38 days CA$11.79 Million CA$311.54K/day CA$- CA$953.00K ▲ +36 days
2020 1 days CA$6.81 Million CA$4.56 Million/day CA$- CA$0.00 ▼ 0 days
2019 2 days CA$7.16 Million CA$4.10 Million/day CA$- CA$- ▼ 0 days
2018 2 days CA$7.39 Million CA$4.20 Million/day CA$- CA$- ▲ +0 days
2017 2 days CA$6.31 Million CA$4.01 Million/day CA$- CA$- ▼ 0 days
2016 2 days CA$7.27 Million CA$3.98 Million/day CA$- CA$- ▼ -38 days
2015 40 days CA$6.65 Million CA$167.13K/day CA$- CA$- ▼ -20 days
2014 60 days CA$6.08 Million CA$100.92K/day CA$- CA$- ▲ +58 days
2013 2 days CA$6.01 Million CA$3.29 Million/day CA$- CA$- ▼ -510 days
2012 512 days CA$7.90 Million CA$15.43K/day CA$- CA$- ▲ +510 days
2011 1 days CA$4.60 Million CA$3.50 Million/day CA$- CA$- —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)