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Zacks Company Profile for VersaBank (VBNK : NSDQ)

• Company Description    VersaBank is a Schedule I chartered bank. It provides deposit and lending solutions for financial intermediaries as well as internally developed IT security software. VersaBank is based in LONDON, ON. Number of Employees: 119

• Price / Volume Information    Yesterday's Closing Price: $14.46 Daily Weekly Monthly 20 Day Moving Average: 48,381 shares Shares Outstanding: 31.95 (millions) Market Capitalization: $461.93 (millions) Beta: 0.97 52 Week High: $15.83 52 Week Low: $8.51 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 23.17% 21.49% 12 Week 13.86% 11.14% Year To Date 4.40% -10.06%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 140 FULLARTON STREET SUITE 2002 - LONDON,A6 N6A 5P2 CAN ph: 519-645-1919 fax: - None http://www.versabank.com

• General Corporate Information    Officers David R. Taylor - Chief Executive Officer Thomas A. Hockin - Chairman of the Board Shawn Clarke - Chief Operating Officer John Asma - Chief Financial Officer Michael Dixon - Senior Vice President Peer Information VersaBank (BKAU) VersaBank (BKEAY) VersaBank (BKNIY) VersaBank (BKJAY) VersaBank (ABNYY) VersaBank (BNSTY) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: BANKS-FOREIGN Sector: Finance CUSIP: 92512J106 SIC: 6029 Fiscal Year Fiscal Year End: October Last Reported Quarter: 10/01/25 Next Expected EPS Date: 03/04/26 Share - Related Items Shares Outstanding: 31.95 Most Recent Split Date: (:1) Beta: 0.97 Market Capitalization: $461.93 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 0.50% Current Fiscal Quarter EPS Consensus Estimate: $0.27 Indicated Annual Dividend: $0.07 Current Fiscal Year EPS Consensus Estimate: $1.36 Payout Ratio: 0.09 Number of Estimates in the Fiscal Year Consensus: 2.00 Change In Payout Ratio: 0.01 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 10/10/2025 - $0.02 Next EPS Report Date: 03/04/26

• Fundamental Ratios P/E Current FY Estimate: 10.67 Trailing 12 Months: 17.21 PEG Ratio: - Price Ratios Price/Book: 1.21 Price/Cash Flow: 16.18 Price / Sales: 2.13 EPS Growth vs. Year Ago Period: -14.29% vs. Previous Quarter: 9.09% Sales Growth vs. Year Ago Period: 4.02% vs. Previous Quarter: 4.43% ROE 10/31/25 - 7.02 07/31/25 - 7.47 04/30/25 - 7.97 ROA 10/31/25 - 0.69 07/31/25 - 0.72 04/30/25 - 0.76 Current Ratio 10/31/25 - 1.14 07/31/25 - 1.11 04/30/25 - 1.13 Quick Ratio 10/31/25 - 1.14 07/31/25 - 1.11 04/30/25 - 1.13 Operating Margin 10/31/25 - 12.14 07/31/25 - 12.30 04/30/25 - 12.40 Net Margin 10/31/25 - 9.33 07/31/25 - 9.56 04/30/25 - 10.70 Pre-Tax Margin 10/31/25 - 13.64 07/31/25 - 13.17 04/30/25 - 14.87 Book Value 10/31/25 - 11.90 07/31/25 - 11.95 04/30/25 - 11.43 Inventory Turnover 10/31/25 - - 07/31/25 - - 04/30/25 - - Debt-to-Equity 10/31/25 - 0.00 07/31/25 - 0.00 04/30/25 - 0.00 Debt-to-Capital 10/31/25 - 0.00 07/31/25 - 0.00 04/30/25 - 0.00

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