VersaBank (VBNK) — Financial Flexibility Index

Latest as of January 2026: -0.01x

VersaBank (VBNK) has a Financial Flexibility Index of -0.01x as of January 2026. Free cash flow of CA$-60.69 Million (operating CF CA$-60.86 Million minus capex CA$170.00K) represents 0% of total liabilities (CA$5.60 Billion). Also explore VersaBank (VBNK) equity growth momentum to track the company's year-over-year net asset growth rate.

Financial Flexibility Index

-0.01x
Free Cash Flow / Total Liabilities

Free Cash Flow

CA$-60.69 Million
Operating CF − Capex

Total Liabilities

CA$5.60 Billion
CAD

Capital Expenditures

CA$170.00K
CAD

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 (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