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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: $12.12 Daily Weekly Monthly 20 Day Moving Average: 98,477 shares Shares Outstanding: 32.17 (millions) Market Capitalization: $389.87 (millions) Beta: 0.96 52 Week High: $18.38 52 Week Low: $8.51 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 14.99% 12.91% 12 Week 8.21% -1.75% Year To Date -12.49% -21.87%

• 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: 07/01/25 Next Expected EPS Date: 12/08/25 Share - Related Items Shares Outstanding: 32.17 Most Recent Split Date: (:1) Beta: 0.96 Market Capitalization: $389.87 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 0.61% Current Fiscal Quarter EPS Consensus Estimate: $0.23 Indicated Annual Dividend: $0.07 Current Fiscal Year EPS Consensus Estimate: $0.83 Payout Ratio: 0.08 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: 07/03/2025 - $0.02 Next EPS Report Date: 12/08/25

• Fundamental Ratios P/E Current FY Estimate: 14.52 Trailing 12 Months: 13.77 PEG Ratio: - Price Ratios Price/Book: 1.01 Price/Cash Flow: 8.99 Price / Sales: 1.81 EPS Growth vs. Year Ago Period: -15.38% vs. Previous Quarter: 22.22% Sales Growth vs. Year Ago Period: 2.48% vs. Previous Quarter: 7.26% ROE 07/31/25 - 7.47 04/30/25 - 7.97 01/31/25 - 9.32 ROA 07/31/25 - 0.72 04/30/25 - 0.76 01/31/25 - 0.86 Current Ratio 07/31/25 - 1.11 04/30/25 - 1.13 01/31/25 - 1.12 Quick Ratio 07/31/25 - 1.11 04/30/25 - 1.13 01/31/25 - 1.12 Operating Margin 07/31/25 - 12.30 04/30/25 - 12.40 01/31/25 - 13.50 Net Margin 07/31/25 - 9.56 04/30/25 - 10.70 01/31/25 - 11.82 Pre-Tax Margin 07/31/25 - 13.17 04/30/25 - 14.87 01/31/25 - 16.41 Book Value 07/31/25 - 11.95 04/30/25 - 11.43 01/31/25 - 11.27 Inventory Turnover 07/31/25 - - 04/30/25 - - 01/31/25 - - Debt-to-Equity 07/31/25 - 0.00 04/30/25 - 0.00 01/31/25 - 0.00 Debt-to-Capital 07/31/25 - 0.00 04/30/25 - 0.00 01/31/25 - 0.00

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