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VersaBank
Buy, Hold or Sell?

Should you buy, hold or sell Versabank?

I guess you are interested in VersaBank. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

Let's analyse Versabank

Let's start. I'm going to help you getting a better view of VersaBank. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

  1. Company's Financial Health
    A deep dive into the books. How are the numbers doing? Is VersaBank even making a profit? Is the company skyrocketing? Or is it sinking like the Titanic. The trend is your friend.
  2. Market Valuation
    Finally, you now have an insight of how VersaBank is doing in the market. If the company is worth buying. The latest step is to find out how other investors value VersaBank. The closing price on 2023-02-03 was C$10.44 per share. Is the company over- or underpriced?
  3. Key Performance Indicators
    A total overlook on how the company is doing. Based on the (trends in) the key performance indicators.
VersaBank Daily Candlestick Chart
VersaBank Daily Candlestick Chart
Summary









1. Valuation of Versabank




Current price per share

C$10.44

2. Growth of Versabank




Is Versabank growing?

Current yearPrevious yearGrowGrow %
How rich?$261.8m$203.6m$53.1m20.7%

How much money is Versabank making?

Current yearPrevious yearGrowGrow %
Making money$4.2m$4.1m$51.8k1.2%
Net Profit Margin27.6%8.1%--

How much money comes from the company's main activities?

3. Financial Health of Versabank




Comparing to competitors in the Banks-Regional industry




  Industry Rankings (Banks-Regional)  


Richest
#543 / 867

Most Revenue
#656 / 867

Most Profit
#674 / 867

Most Efficient
#418 / 867


Summary

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
Liquidity Details
 Compared to previous yearCompared to industry
The company is unable to pay all its short-term debts.
The company is just not able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

1.1. Profitability of VersaBank.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Versabank earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Versabank to the Banks-Regional industry mean.
  • A Net Profit Margin of 26.5% means that $0.27 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of VersaBank:

  • The MRQ is 26.5%. The company is making a huge profit. +2
  • The TTM is 27.6%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ26.5%TTM27.6%-1.1%
TTM27.6%YOY8.1%+19.5%
TTM27.6%5Y15.9%+11.7%
5Y15.9%10Y15.9%0.0%
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ26.5%29.1%-2.6%
TTM27.6%28.4%-0.8%
YOY8.1%26.4%-18.3%
5Y15.9%23.2%-7.3%
10Y15.9%21.0%-5.1%
1.1.2. Return on Assets

Shows how efficient Versabank is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Versabank to the Banks-Regional industry mean.
  • 0.2% Return on Assets means that Versabank generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of VersaBank:

  • The MRQ is 0.2%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.2%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.2%TTM0.2%0.0%
TTM0.2%YOY0.3%-0.1%
TTM0.2%5Y0.2%0.0%
5Y0.2%10Y0.2%0.0%
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.2%0.3%-0.1%
TTM0.2%0.3%-0.1%
YOY0.3%0.3%0.0%
5Y0.2%0.2%+0.0%
10Y0.2%0.2%+0.0%
1.1.3. Return on Equity

Shows how efficient Versabank is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Versabank to the Banks-Regional industry mean.
  • 1.8% Return on Equity means Versabank generated $0.02 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of VersaBank:

  • The MRQ is 1.8%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 1.6%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ1.8%TTM1.6%+0.2%
TTM1.6%YOY2.1%-0.4%
TTM1.6%5Y1.9%-0.2%
5Y1.9%10Y1.9%0.0%
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ1.8%2.8%-1.0%
TTM1.6%2.7%-1.1%
YOY2.1%2.5%-0.4%
5Y1.9%2.4%-0.5%
10Y1.9%2.3%-0.4%

1.2. Operating Efficiency of VersaBank.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Versabank is operating .

  • Measures how much profit Versabank makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Versabank to the Banks-Regional industry mean.
  • An Operating Margin of 0.0% means the company generated $0.00  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of VersaBank:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-0.0%
TTM-5Y-0.0%
5Y-10Y-0.0%
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ-45.5%-45.5%
TTM-45.5%-45.5%
YOY-45.9%-45.9%
5Y-43.4%-43.4%
10Y-38.5%-38.5%
1.2.2. Operating Ratio

Measures how efficient Versabank is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks-Regional industry mean).
  • An Operation Ratio of 0.00 means that the operating costs are $0.00 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of VersaBank:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y-0.000
5Y-10Y-0.000
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ-0.080-0.080
TTM-0.201-0.201
YOY-0.330-0.330
5Y-0.403-0.403
10Y-0.408-0.408

1.3. Liquidity of VersaBank.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Versabank is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks-Regional industry mean).
  • A Current Ratio of 0.04 means the company has $0.04 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of VersaBank:

  • The MRQ is 0.044. The company is unable to pay all its short-term debts. -2
  • The TTM is 0.071. The company is unable to pay all its short-term debts. -2
Trends
Current periodCompared to+/- 
MRQ0.044TTM0.071-0.027
TTM0.071YOY0.037+0.034
TTM0.0715Y0.048+0.023
5Y0.04810Y0.0480.000
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.0440.244-0.200
TTM0.0710.329-0.258
YOY0.0370.352-0.315
5Y0.0480.337-0.289
10Y0.0480.283-0.235
1.3.2. Quick Ratio

Measures if Versabank is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Versabank to the Banks-Regional industry mean.
  • A Quick Ratio of 0.00 means the company can pay off $0.00 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of VersaBank:

  • The MRQ is 0.001. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 0.001. The company is just not able to pay all its short-term debts with the most liquid assets. -1
Trends
Current periodCompared to+/- 
MRQ0.001TTM0.0010.000
TTM0.001YOY0.000+0.001
TTM0.0015Y0.001+0.001
5Y0.00110Y0.0010.000
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.0010.233-0.232
TTM0.0010.170-0.169
YOY0.0000.168-0.168
5Y0.0010.138-0.137
10Y0.0010.105-0.104

1.4. Solvency of VersaBank.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Versabank assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Versabank to Banks-Regional industry mean.
  • A Debt to Asset Ratio of 0.89 means that Versabank assets are financed with 89.3% credit (debt) and the remaining percentage (100% - 89.3%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of VersaBank:

  • The MRQ is 0.893. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.878. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.893TTM0.878+0.014
TTM0.878YOY0.877+0.001
TTM0.8785Y0.877+0.002
5Y0.87710Y0.8770.000
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8930.907-0.014
TTM0.8780.904-0.026
YOY0.8770.899-0.022
5Y0.8770.898-0.021
10Y0.8770.897-0.020
1.4.2. Debt to Equity Ratio

Measures if Versabank is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Versabank to the Banks-Regional industry mean.
  • A Debt to Equity ratio of 831.3% means that company has $8.31 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of VersaBank:

  • The MRQ is 8.313. The company is unable to pay all its debts with equity. -1
  • The TTM is 7.310. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ8.313TTM7.310+1.004
TTM7.310YOY7.218+0.092
TTM7.3105Y7.192+0.118
5Y7.19210Y7.1920.000
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ8.3139.842-1.529
TTM7.3109.445-2.135
YOY7.2188.971-1.753
5Y7.1928.961-1.769
10Y7.1928.910-1.718

2. Market Valuation of VersaBank

2. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Versabank generates.

  • Above 15 is considered overpriced but always compare Versabank to the Banks-Regional industry mean.
  • A PE ratio of 40.94 means the investor is paying $40.94 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of VersaBank:

  • The EOD is 46.012. Good. +1
  • The MRQ is 40.944. Good. +1
  • The TTM is 60.075. Neutral. Compare to industry.
Trends
Current periodCompared to+/- 
EOD46.012MRQ40.944+5.068
MRQ40.944TTM60.075-19.132
TTM60.075YOY70.775-10.700
TTM60.0755Y62.898-2.823
5Y62.89810Y62.8980.000
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
EOD46.01238.897+7.115
MRQ40.94438.055+2.889
TTM60.07541.414+18.661
YOY70.77537.960+32.815
5Y62.89845.533+17.365
10Y62.89844.091+18.807
2.2. Price Earnings to Growth Ratio

Measures the predicted future growth of Versabank.

  • Lower is better.
  • A PEG ratio of 1 means the market price of the stock and the expected future earnings are on par.

Let's take a look of the Price Earnings to Growth Ratio trends of VersaBank:

  • The MRQ is 35.990. Seems overpriced? -1
  • The TTM is 60.914. Seems overpriced? -1
Trends
Current periodCompared to+/- 
MRQ35.990TTM60.914-24.924
TTM60.914YOY65.927-5.014
TTM60.9145Y63.420-2.507
5Y63.42010Y63.4200.000
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ35.9900.600+35.390
TTM60.9140.174+60.740
YOY65.9270.241+65.686
5Y63.4200.129+63.291
10Y63.4200.135+63.285

2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Versabank is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks-Regional industry mean).
  • A PB ratio of 0.72 means the investor is paying $0.72 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of VersaBank:

  • The EOD is 0.811. Very good. +2
  • The MRQ is 0.722. Very good. +2
  • The TTM is 0.929. Very good. +2
Trends
Current periodCompared to+/- 
EOD0.811MRQ0.722+0.089
MRQ0.722TTM0.929-0.207
TTM0.929YOY1.366-0.438
TTM0.9295Y1.098-0.169
5Y1.09810Y1.0980.000
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.8111.013-0.202
MRQ0.7220.999-0.277
TTM0.9291.041-0.112
YOY1.3660.894+0.472
5Y1.0980.974+0.124
10Y1.0980.884+0.214
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of VersaBank compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.2380.192+24%0.682-65%1.430-83%1.430-83%
Book Value Growth--1.0121.0140%1.077-6%1.045-3%1.045-3%
Book Value Per Share--12.87112.556+3%9.994+29%11.064+16%11.064+16%
Book Value Per Share Growth--1.0191.016+0%1.074-5%1.045-2%1.045-2%
Current Ratio--0.0440.071-38%0.037+18%0.048-8%0.048-8%
Debt To Asset Ratio--0.8930.878+2%0.877+2%0.877+2%0.877+2%
Debt To Equity Ratio--8.3137.310+14%7.218+15%7.192+16%7.192+16%
Dividend Per Share--0.1370.060+129%0.065+111%0.073+88%0.073+88%
Dividend Per Share Growth--4.0211.756+129%0.982+309%1.369+194%1.369+194%
Eps--0.2270.198+15%0.191+19%0.190+20%0.190+20%
Eps Growth--1.1381.031+10%1.076+6%1.054+8%1.054+8%
Free Cash Flow Per Share--0.492-0.302+161%-1.571+419%-0.264+154%-0.264+154%
Free Cash Flow Per Share Growth--0.5281.091-52%-1.327+351%-0.118+122%-0.118+122%
Free Cash Flow To Equity Per Share--6.7226.852-2%0.388+1635%3.660+84%3.660+84%
Free Cash Flow To Equity Per Share Growth--0.502-1.969+492%1.133-56%-0.418+183%-0.418+183%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%
Intrinsic Value_10Y_max---98.917--------
Intrinsic Value_10Y_min---82.535--------
Intrinsic Value_1Y_max---2.471--------
Intrinsic Value_1Y_min---2.423--------
Intrinsic Value_3Y_max---13.096--------
Intrinsic Value_3Y_min---12.388--------
Intrinsic Value_5Y_max---30.557--------
Intrinsic Value_5Y_min---27.874--------
Net Profit Margin--0.2650.276-4%0.081+227%0.159+67%0.159+67%
Operating Margin----0%-0%-0%-0%
Operating Ratio----0%-0%-0%-0%
Pb Ratio0.811+11%0.7220.929-22%1.366-47%1.098-34%1.098-34%
Pe Ratio46.012+11%40.94460.075-32%70.775-42%62.898-35%62.898-35%
Peg Ratio--35.99060.914-41%65.927-45%63.420-43%63.420-43%
Price Per Share10.440+11%9.29011.618-20%13.525-31%11.907-22%11.907-22%
Price To Total Gains Ratio27.824+11%24.75950.715-51%17.138+44%30.234-18%30.234-18%
Profit Growth--1.1241.028+9%1.059+6%1.043+8%1.043+8%
Quick Ratio--0.0010.001-9%0.000+303%0.001+67%0.001+67%
Return On Assets--0.0020.002-1%0.003-22%0.002-14%0.002-14%
Return On Equity--0.0180.016+11%0.021-12%0.019-1%0.019-1%
Revenue Growth--1.1421.076+6%--1.076+6%1.076+6%
Total Gains Per Share--0.3750.252+49%0.746-50%1.503-75%1.503-75%
Total Gains Per Share Growth--1.6690.955+75%2.808-41%1.881-11%1.881-11%
Usd Book Value--261849022.500256806557.400+2%203664665.100+29%225834271.067+16%225834271.067+16%
Usd Book Value Change Per Share--0.1780.143+24%0.509-65%1.068-83%1.068-83%
Usd Book Value Per Share--9.6119.376+3%7.462+29%8.261+16%8.261+16%
Usd Dividend Per Share--0.1020.045+129%0.048+111%0.054+88%0.054+88%
Usd Eps--0.1690.148+15%0.142+19%0.142+20%0.142+20%
Usd Free Cash Flow--10011006.900-6204143.625+162%-18298256.850+283%-10889955.767+209%-10889955.767+209%
Usd Free Cash Flow Per Share--0.367-0.225+161%-1.173+419%-0.197+154%-0.197+154%
Usd Free Cash Flow To Equity Per Share--5.0205.117-2%0.289+1635%2.733+84%2.733+84%
Usd Price Per Share7.796+11%6.9378.675-20%10.099-31%8.891-22%8.891-22%
Usd Profit--4800534.3004229682.150+13%4177786.500+15%4130412.533+16%4130412.533+16%
Usd Revenue--18108968.40015380526.600+18%3404205.300+432%8348769.733+117%8348769.733+117%
Usd Total Gains Per Share--0.2800.188+49%0.557-50%1.122-75%1.122-75%
 EOD+2 -3MRQTTM+28 -12YOY+26 -135Y+26 -1410Y+26 -14

3.2. Fundamental Score

Let's check the fundamental score of VersaBank based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1546.012
Price to Book Ratio (EOD)Between0-10.811
Net Profit Margin (MRQ)Greater than00.265
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.001
Current Ratio (MRQ)Greater than10.044
Debt to Asset Ratio (MRQ)Less than10.893
Debt to Equity Ratio (MRQ)Less than18.313
Return on Equity (MRQ)Greater than0.150.018
Return on Assets (MRQ)Greater than0.050.002
Total3/10 (30.0%)

3.3. Technical Score

Let's check the technical score of VersaBank based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
OpenGreater thanClose10.350
Total0/1 (0.0%)



Latest Balance Sheet

Balance Sheet of 2022-10-31. Currency in CAD. All numbers in thousands.

Summary
Total Assets3,265,998
Total Liabilities2,915,323
Total Stockholder Equity350,675
 As reported
Total Liabilities 2,915,323
Total Stockholder Equity+ 350,675
Total Assets = 3,265,998

Assets

Total Assets3,265,998
Total Current Assets123,448
Long-term Assets123,448
Total Current Assets
Cash And Cash Equivalents 88,581
Net Receivables 3,774
Other Current Assets 14,702
Total Current Assets  (as reported)123,448
Total Current Assets  (calculated)107,057
+/- 16,391
Long-term Assets
Property Plant Equipment 10,990
Goodwill 5,754
Long Term Investments 141,564
Intangible Assets 3,185
Long-term Assets  (as reported)0
Long-term Assets  (calculated)161,493
+/- 161,493

Liabilities & Shareholders' Equity

Total Current Liabilities2,797,817
Long-term Liabilities-
Total Stockholder Equity350,675
Total Current Liabilities
Accounts payable 2,638,301
Other Current Liabilities 131,907
Total Current Liabilities  (as reported)2,797,817
Total Current Liabilities  (calculated)2,770,208
+/- 27,609
Long-term Liabilities
Long term Debt Total 235,532
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)235,532
+/- 235,532
Total Stockholder Equity
Common Stock239,629
Retained Earnings 109,335
Capital Surplus 1,612
Other Stockholders Equity 99
Total Stockholder Equity (as reported)350,675
Total Stockholder Equity (calculated)350,675
+/-0
Other
Capital Stock238,017
Common Stock Shares Outstanding 27,246
Liabilities and Stockholders Equity 3,265,998
Net Debt 16,370
Net Invested Capital 454,014
Net Tangible Assets 341,736



Balance Sheet

Currency in CAD. All numbers in thousands.

 Trend2022-10-312022-07-312022-04-302022-01-312021-10-312021-07-312021-04-302021-01-312020-10-31
> Total Assets 
1,943,885
2,044,976
2,139,757
2,285,771
2,415,086
2,415,346
2,692,146
3,075,343
3,265,998
3,265,9983,075,3432,692,1462,415,3462,415,0862,285,7712,139,7572,044,9761,943,885
   > Total Current Assets 
0
0
0
0
295,060
183,694
227,698
116,695
123,448
123,448116,695227,698183,694295,0600000
       Cash And Cash Equivalents 
0
0
0
0
271,523
155,239
198,157
84,214
88,581
88,58184,214198,157155,239271,5230000
       Net Receivables 
0
0
0
0
2,643
2,938
3,750
3,744
3,774
3,7743,7443,7502,9382,6430000
       Other Current Assets 
0
0
0
0
8,195
8,636
9,605
12,670
14,702
14,70212,6709,6058,6368,1950000
   > Long-term Assets 000000000
       Property Plant Equipment 
10,446
12,980
12,626
12,262
11,892
11,548
11,342
11,261
10,990
10,99011,26111,34211,54811,89212,26212,62612,98010,446
       Goodwill 
0
5,753
5,754
5,754
5,754
5,754
5,754
5,754
5,754
5,7545,7545,7545,7545,7545,7545,7545,7530
       Long Term Investments 
0
0
0
0
953
953
953
134,635
141,564
141,564134,6359539539530000
       Intangible Assets 
0
3,886
3,804
3,722
3,641
3,527
3,413
3,299
3,185
3,1853,2993,4133,5273,6413,7223,8043,8860
       Earning Assets 
8,629
0
953
953
953
953
0
0
0
00095395395395308,629
> Total Liabilities 
1,688,597
1,785,468
1,892,391
2,033,739
2,082,980
2,078,395
2,350,732
2,728,695
2,915,323
2,915,3232,728,6952,350,7322,078,3952,082,9802,033,7391,892,3911,785,4681,688,597
   > Total Current Liabilities 
0
0
0
0
1,974,479
1,969,618
2,241,012
2,613,584
2,797,817
2,797,8172,613,5842,241,0121,969,6181,974,4790000
       Accounts payable 
0
0
0
0
1,847,166
1,853,158
2,130,765
2,483,380
2,638,301
2,638,3012,483,3802,130,7651,853,1581,847,1660000
       Other Current Liabilities 
0
0
0
0
113,713
116,460
110,247
130,204
131,907
131,907130,204110,247116,460113,7130000
   > Long-term Liabilities 000000000
       Long term Debt Total 
112,782
110,086
202,040
203,590
211,149
217,155
211,196
230,397
235,532
235,532230,397211,196217,155211,149203,590202,040110,086112,782
       Other Liabilities 
0
0
0
0
8,785
6,107
6,645
11,761
8,792
8,79211,7616,6456,1078,7850000
> Total Stockholder Equity
255,288
259,508
247,366
252,032
332,106
336,951
341,414
346,648
350,675
350,675346,648341,414336,951332,106252,032247,366259,508255,288
   Common Stock
152,612
152,612
152,612
152,612
227,674
227,674
227,674
227,674
239,629
239,629227,674227,674227,674227,674152,612152,612152,612152,612
   Retained Earnings 
73,194
77,414
80,965
85,626
90,644
95,276
99,285
104,071
109,335
109,335104,07199,28595,27690,64485,62680,96577,41473,194
   Capital Surplus 
145
145
145
145
145
341
765
1,189
1,612
1,6121,189765341145145145145145
   Treasury Stock000000000
   Other Stockholders Equity 
0
0
-3
2
-4
13
43
67
99
99674313-42-300



Balance Sheet

Currency in CAD. All numbers in thousands.




Cash Flow

Currency in CAD. All numbers in thousands.




Income Statement

Currency in CAD. All numbers in thousands.


Latest Income Statement (annual, 2022-10-31)

Gross Profit (+$)
totalRevenue82,392
Cost of Revenue--
Gross Profit-82,392
 
Operating Income (+$)
Gross Profit-
Operating Expense--
Operating Income-0
 
Operating Expense (+$)
Research Development-
Selling General Administrative45,528
Selling And Marketing Expenses-
Operating Expense-45,528
 
Net Interest Income (+$)
Interest Income126,817
Interest Expense-50,151
Net Interest Income76,66676,666
 
Pretax Income (+$)
Operating Income-
Net Interest Income76,666
Other Non-Operating Income Expenses-
Income Before Tax (EBT)32,5480
EBIT - interestExpense = -50,151
32,548
72,809
Interest Expense50,151
Earnings Before Interest and Taxes (ebit)-82,699
Earnings Before Interest and Taxes (ebitda)-
 
After tax Income (+$)
Income Before Tax32,548
Tax Provision-9,890
Net Income From Continuing Ops22,65822,658
Net Income22,658
Net Income Applicable To Common Shares21,670
 
Non-recurring Events
Discontinued Operations-
Extraordinary Items-
Effect of Accounting Charges-
Other Items-
Non Recurring-
Other Operating Expenses-
Total Other Income/Expenses Net--76,666
 

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