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). Check VBNK strategic asset allocation to assess the company's strategic physical and investment asset allocation.
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. See VersaBank working capital to net assets to evaluate short-term liquidity relative to the company's equity base.
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 how much is VersaBank worth.
| 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 | — |