VersaBank Historical Cash Flow
| VBNK Stock | USD 17.59 0.47 2.75% |
Analysis of VersaBank cash flow over time is an excellent tool to project VersaBank future capital expenditures as well as to predict the amount of cash needed to cover cost of sales, R&D expenses or production expansions. Investors should almost always look for trends in cash flow indicators such as Change In Cash of 41.3 M or Free Cash Flow of 113.9 M as it is a great indicator of VersaBank ability to facilitate future growth, repay debt on time or pay out dividends.
Financial Statement Analysis is much more than just reviewing and examining VersaBank latest accounting reports to predict its past. Macroaxis encourages investors to analyze financial statements over time for various trends across multiple indicators and accounts to determine whether VersaBank is a good buy for the upcoming year.
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About VersaBank Cash Flow Analysis
The Cash Flow Statement is a financial statement that shows how changes in VersaBank balance sheet and income statement accounts affect cash and cash equivalents. It breaks the analysis down to operating, investing, and financing activities. One of the most critical aspects of the cash flow statement is liquidity, which is the degree to which VersaBank's non-liquid assets can be easily converted into cash.
VersaBank Cash Flow Chart
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Begin Period Cash Flow
The amount of cash a company has at the beginning of a financial reporting period. It serves as the starting point for calculating the period's cash flow from operations, investing, and financing activities.Net Income
Net income is one of the most important fundamental items in finance. It plays a large role in VersaBank financial statement analysis. It represents the amount of money remaining after all of VersaBank operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue.Stock Based Compensation
Compensation provided to employees in the form of equity or options to purchase company stock. This type of compensation is used to align the interests of employees and shareholders.Most accounts from VersaBank's cash flow statement are interrelated and interconnected. However, analyzing cash flow statement accounts one by one will only give a small insight into VersaBank current financial condition. On the other hand, looking into the entire matrix of cash flow statement accounts, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in VersaBank. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors. For more information on how to buy VersaBank Stock please use our How to buy in VersaBank Stock guide.At this time, VersaBank's Capital Expenditures is quite stable compared to the past year. Total Cash From Operating Activities is expected to rise to about 114.4 M this year, although the value of Depreciation will most likely fall to about 1 M.
| 2021 | 2022 | 2023 | 2024 (projected) | Stock Based Compensation | 1.5M | 901K | 1.0M | 984.3K | Depreciation | 1.9M | 1.8M | 2.1M | 1.0M |
VersaBank cash flow statement Correlations
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VersaBank Account Relationship Matchups
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VersaBank cash flow statement Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | 118.5M | 13.9M | (182.9M) | 43.7M | 39.3M | 41.3M | |
| Free Cash Flow | 139.4M | (108.3M) | (33.2M) | 94.4M | 108.5M | 113.9M | |
| Change In Working Capital | 113.7M | (134.3M) | (75.1M) | 12.4M | 14.3M | 15.0M | |
| Begin Period Cash Flow | 139.1M | 257.6M | 271.5M | 88.6M | 101.9M | 168.9M | |
| Other Cashflows From Financing Activities | (1.7M) | 89.5M | (141.6M) | (28.1M) | (25.3M) | (24.1M) | |
| Other Non Cash Items | (54.1M) | (60.2M) | 6.5M | 21.9M | 19.8M | 20.7M | |
| Capital Expenditures | 245K | 14K | 581K | 362K | 416.3K | 416.8K | |
| Total Cash From Operating Activities | 139.6M | (108.3M) | (32.7M) | 94.7M | 108.9M | 114.4M | |
| Net Income | 19.4M | 22.4M | 22.7M | 42.2M | 48.5M | 50.9M | |
| Total Cash From Financing Activities | (30.9M) | 131.4M | (6.3M) | (17.3M) | (15.6M) | (14.8M) | |
| End Period Cash Flow | 257.6M | 271.5M | 88.6M | 132.2M | 152.1M | 172.6M | |
| Depreciation | 1.1M | 1.7M | 1.9M | 1.8M | 2.1M | 1.0M | |
| Stock Based Compensation | 52.1M | 53.6M | 1.5M | 901K | 1.0M | 984.3K | |
| Dividends Paid | 4.3M | 3.8M | 3.7M | 3.6M | 4.1M | 3.5M | |
| Net Borrowings | (24.9M) | 78.8M | (642K) | (700K) | (805K) | (764.8K) | |
| Total Cashflows From Investing Activities | 9.8M | (8.4M) | (141.6M) | (28.1M) | (25.3M) | (26.6M) | |
| Change To Operating Activities | (52.8M) | (421.4M) | (865.5M) | (828.1M) | (745.3M) | (708.0M) | |
| Change To Netincome | 5.3M | 1.9M | 17.9M | 38.3M | 44.1M | 46.3M |
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Try AI Portfolio ArchitectCheck out World Market Map to better understand how to build diversified portfolios, which includes a position in VersaBank. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors. For more information on how to buy VersaBank Stock please use our How to buy in VersaBank Stock guide.You can also try the Options Analysis module to analyze and evaluate options and option chains as a potential hedge for your portfolios.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of VersaBank. If investors know VersaBank will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about VersaBank listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.04) | Dividend Share 0.1 | Earnings Share 1.26 | Revenue Per Share 4.385 | Quarterly Revenue Growth 0.012 |
The market value of VersaBank is measured differently than its book value, which is the value of VersaBank that is recorded on the company's balance sheet. Investors also form their own opinion of VersaBank's value that differs from its market value or its book value, called intrinsic value, which is VersaBank's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because VersaBank's market value can be influenced by many factors that don't directly affect VersaBank's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between VersaBank's value and its price as these two are different measures arrived at by different means. Investors typically determine if VersaBank is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, VersaBank's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.