VersaBank Ratios and Metrics

Market cap in millions EUR. Fiscal year is November - October.

Millions EUR. Fiscal year is Nov - Oct.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Dec '25 Dec 5, 2025	Oct '24 Oct 31, 2024	Oct '23 Oct 31, 2023	Oct '22 Oct 31, 2022	Oct '21 Oct 31, 2021	Oct '20 Oct 31, 2020	2015 - 2019
Market Capitalization	339	359	183	189	283	90	Upgrade
Market Cap Growth	-19.89%	95.94%	-3.03%	-33.17%	215.14%	-5.12%	Upgrade
Last Close Price	10.50	13.61	6.71	6.65	9.78	3.92	Upgrade
PE Ratio	18.84	14.02	6.53	11.76	19.50	8.08	Upgrade
PS Ratio	4.72	4.86	2.49	3.11	6.16	2.55	Upgrade
PB Ratio	1.02	1.36	0.71	0.73	1.22	0.55	Upgrade
Debt / Equity Ratio	0.20	0.26	0.29	0.31	0.30	0.07	Upgrade
Return on Equity (ROE)	6.14%	10.24%	11.59%	6.64%	7.62%	7.83%	Upgrade
Return on Assets (ROA)	0.58%	0.88%	1.13%	0.80%	1.03%	1.04%	Upgrade
Earnings Yield	5.31%	7.31%	15.67%	8.89%	5.52%	13.94%	Upgrade
FCF Yield	-109.08%	-49.53%	-277.41%	-323.07%	-97.50%	-19.53%	Upgrade
Dividend Yield	0.61%	0.48%	1.01%	1.12%	0.71%	1.65%	Upgrade
Payout Ratio	11.57%	9.03%	8.54%	16.46%	17.18%	22.06%	Upgrade
Buyback Yield / Dilution	-15.46%	1.17%	4.20%	-26.08%	-2.98%	-	Upgrade
Total Shareholder Return	-14.85%	1.66%	5.21%	-24.96%	-2.27%	1.65%	Upgrade

Source: S&P Global Market Intelligence. Banks template. Financial Sources.