VersaBank (VBNK) — Financial Flexibility Index

Latest as of July 2026: 0.01x

VersaBank (VBNK) has a Financial Flexibility Index of 0.01x as of July 2026. Free cash flow of CA$35.59 Million (operating CF CA$35.41 Million minus capex CA$185.00K) represents 0% of total liabilities (CA$6.31 Billion). Check VersaBank cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.

Financial Flexibility Index

0.01x
Free Cash Flow / Total Liabilities

Free Cash Flow

CA$35.59 Million
Operating CF − Capex

Total Liabilities

CA$6.31 Billion
CAD

Capital Expenditures

CA$185.00K
CAD

VersaBank Financial Flexibility Index (2011–2025)

Historical Financial Flexibility Index trend for VersaBank across 15 annual periods. For the full cash flow conversion analysis, see VersaBank (VBNK) cash flow conversion.

Annual Financial Flexibility Index for VersaBank (2011–2025)

Year-by-year free cash flow to debt coverage for VersaBank. Explore VersaBank (VBNK) cash flow to debt to assess how comfortably operating cash covers total debt obligations.

Year Flexibility Index Free Cash Flow (CAD) Operating CF Total Liabilities YoY Change
2025 0.01x CA$45.41 Million CA$44.45 Million CA$5.28 Billion ▼ -86.9%
2024 0.07x CA$291.28 Million CA$272.70 Million CA$4.44 Billion ▲ +163.9%
2023 0.02x CA$95.08 Million CA$94.72 Million CA$3.82 Billion ▲ +326.0%
2022 -0.01x CA$-32.07 Million CA$-32.65 Million CA$2.92 Billion ▲ +78.8%
2021 -0.05x CA$-108.29 Million CA$-108.31 Million CA$2.08 Billion ▼ -162.8%
2020 0.08x CA$139.84 Million CA$139.59 Million CA$1.69 Billion ▲ +539.1%
2019 0.01x CA$20.02 Million CA$19.78 Million CA$1.55 Billion ▲ +247.7%
2018 -0.01x CA$-13.91 Million CA$-14.90 Million CA$1.59 Billion ▼ -116.6%
2017 0.05x CA$80.12 Million CA$77.88 Million CA$1.52 Billion ▲ +273.6%
2016 -0.03x CA$-46.23 Million CA$-46.47 Million CA$1.52 Billion ▲ +23.1%
2015 -0.04x CA$-57.44 Million CA$-57.44 Million CA$1.45 Billion ▼ -76.4%
2014 -0.02x CA$-29.02 Million CA$-29.02 Million CA$1.29 Billion ▲ +67.8%
2013 -0.07x CA$-88.53 Million CA$-88.53 Million CA$1.27 Billion ▼ -883.2%
2012 -0.01x CA$-10.21 Million CA$-10.21 Million CA$1.44 Billion ▲ +51.4%
2011 -0.01x CA$-20.23 Million CA$-20.23 Million CA$1.39 Billion —
Financial Flexibility Index = (Operating CF − Capex) / Total Liabilities = Free Cash Flow / Total Liabilities