VersaBank is a federally regulated North American bank that operates a cloud-based, largely branchless business-to-business model. It raises deposits and extends credit mainly through financial intermediary partners rather than a traditional retail branch network, targeting underserved specialty lending niches such as point-of-sale receivable financing. The model aims for high operating leverage and risk mitigation by digitizing partner-sourced funding and lending across Canada and the United States.
| Quarter | Revenue | YoY % | Earnings | YoY % |
|---|---|---|---|---|
| Q3 2025 | 31.6 | — | 6.6 | -6.1% |
| Q4 2025 | 35.1 | — | 5.2 | 43.2% |
| Q1 2026 | 36.5 | — | 11.1 | 77.8% |
| Q2 2026 | 38.3 | — | 7.5 | 21.8% |
| Q3 2026 | 38.8 | 22.9% | 10.1 | 52.8% |
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