VersaBank Financial Flexibility Index
VersaBank 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). See VBNK FCF generation index to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of VersaBank (2011–2025)
Financial flexibility index of VersaBank from 2011 to 2025. Historical Financial Flexibility Index trend for VersaBank across 15 annual periods. Check VersaBank cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
VersaBank Financial Flexibility Index by Year (2011–2025)
VersaBank financial flexibility index by year from 2011 to 2025. Year-by-year free cash flow to debt coverage for VersaBank. For the full cash flow conversion analysis, see how efficiently does VersaBank generate cash.
| 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 | — |