VersaBank (VBNK) — Financial Flexibility Index
VersaBank (VBNK) has a Financial Flexibility Index of -0.01x as of January 2026. Free cash flow of $-60.78 Million (operating CF $-60.95 Million minus capex $170.27K) represents 0% of total liabilities ($5.61 Billion). Also explore VersaBank (VBNK) equity growth momentum to track the company's year-over-year net asset growth rate.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
VersaBank Financial Flexibility Index (2011–2025)
Historical Financial Flexibility Index trend for VersaBank across 15 annual periods. Check VBNK PP&E to net assets ratio to assess the company's strategic physical and investment asset allocation.
Annual Financial Flexibility Index for VersaBank (2011–2025)
Year-by-year free cash flow to debt coverage for VersaBank. For the full company profile including market capitalisation, see VBNK market cap overview.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.01x | $45.41 Million | $44.45 Million | $5.28 Billion | ▼ -86.9% |
| 2024 | 0.07x | $291.28 Million | $272.70 Million | $4.44 Billion | ▲ +163.9% |
| 2023 | 0.02x | $95.08 Million | $94.72 Million | $3.82 Billion | ▲ +326.0% |
| 2022 | -0.01x | $-32.07 Million | $-32.65 Million | $2.92 Billion | ▲ +78.8% |
| 2021 | -0.05x | $-108.29 Million | $-108.31 Million | $2.08 Billion | ▼ -162.8% |
| 2020 | 0.08x | $139.84 Million | $139.59 Million | $1.69 Billion | ▲ +539.1% |
| 2019 | 0.01x | $20.02 Million | $19.78 Million | $1.55 Billion | ▲ +247.7% |
| 2018 | -0.01x | $-13.91 Million | $-14.90 Million | $1.59 Billion | ▼ -116.6% |
| 2017 | 0.05x | $80.12 Million | $77.88 Million | $1.52 Billion | ▲ +273.6% |
| 2016 | -0.03x | $-46.23 Million | $-46.47 Million | $1.52 Billion | ▲ +23.1% |
| 2015 | -0.04x | $-57.44 Million | $-57.44 Million | $1.45 Billion | ▼ -76.4% |
| 2014 | -0.02x | $-29.02 Million | $-29.02 Million | $1.29 Billion | ▲ +67.8% |
| 2013 | -0.07x | $-88.53 Million | $-88.53 Million | $1.27 Billion | ▼ -883.2% |
| 2012 | -0.01x | $-10.21 Million | $-10.21 Million | $1.44 Billion | ▲ +51.4% |
| 2011 | -0.01x | $-20.23 Million | $-20.23 Million | $1.39 Billion | — |