{
 "as_of": "2026-11-06",
 "cmr": "ca-cm-kg/TSX/VBNK",
 "fence": "The page is the record's research on the issuer — no analyst, no rating, no view.",
 "markdown": "The page is the record's research on the issuer — no analyst, no rating, no view.\n\n# VersaBank (TSX: VBNK) — research page\n\nAs of 2026-11-06 · ca-cm-kg · record version 1\n\n## Identity and listing\n\nThe issuer is VersaBank, listed on the TSX under ticker VBNK. Its LEI is 549300RUBSDFVNCR7415; the record holds no ISIN, as none was found on issuer pages. Its security type is Corporate, its segment is not on the record, its sector is Financial Services, and its jurisdiction is Canada (federal) (CA). Its listing status is listed, not halted.\n\n## The disclosure read\n\nThe record holds 14 filings in the twelve months to 2026-11-06, across 13 filing days. The filings comprise 12 newswire releases, 1 financial statement and 1 AGM record date. The median gap between filing days is 29.5 days. The latest filing is a newswire release dated 2026-10-27, 10 days before the record date. The TSX median cadence gap is 16 days, and the TSX median latency is 3.0 days, with a median of 0.0 filings across 2,270 issuers. The Financial Services median cadence gap is 21.5 days, the sector median latency is 8.5 days, and the sector median filing count is 10.5 across 98 issuers.\n\n## Auditor\n\nThe auditor of record is KPMG LLP. The auditor's location is not on the record. The record holds no auditor changes.\n\n## Events and halts\n\nThe record holds no listing, delisting, name change, domicile change or segment move lines. The halt flag shows listed, not halted.\n\n## Orderability\n\nUnder the rule version acm-68000/ca/kyp-know-your-product-ni-31-103/r1, the outcome is determinable for both client categories the chapter names: paragraph (o) of the definition and paragraph (q) of the definition, each with signal ACM-200. The chapter is as of 2026-11-04.\n\n## Coverage\n\nFour research houses are named on the issuer's own investor-relations page: Raymond James, Roth Capital Partners, Keefe, Bruyette & Woods, Inc., and Bullpen Research.\n\n## Open research\n\nNo openly published research notes were found on the record.\n\n## Licensed\n\nLicensed research: none loaded. A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded.\n\n## As-of depth\n\nThe market's vintage is not sealed, and no issuer years are sealed. The live record began on 2026-09-10. Years 2021 through 2026 are sealed in the store but not served as of a date; the as-of door answers not_sealed.\n\n## Sources\n\n9 source pages are named on this page; every value above carries its own source page and read date in the numbers.\n\n- https://www.tsx.com/json/company-directory/search/tsx/^* (identity.exchange)\n- https://api.gleif.org/api/v1/lei-records/549300RUBSDFVNCR7415 (identity.jurisdiction)\n- https://www.tsx.com/en/resource/571 (identity.sector)\n- https://mcp.ca-cm-kg.ai/events/TSX/VBNK (the disclosure lines)\n- https://iiroc.mediaroom.com/index.php?s=2429&l=100 (the halt flag)\n- https://www.sec.gov/Archives/edgar/data/1690639/000095010321013846/dp157380_ex0401.htm (the auditor)\n- https://mcp.ca-cm-kg.ai/book/aio.json (the orderability chapter)\n- https://www.versabank.com/investor-relations/analyst-coverage/ (coverage)\n- https://mcp.ca-cm-kg.ai/record/TSX/VBNK (the record)\n",
 "market": "CA",
 "node": "ca-cm-kg",
 "numbers": {
  "as_of_depth": {
   "issuer_years_sealed": [],
   "live_record_began": "2026-09-10",
   "node_history_from": null,
   "node_years_sealed": [],
   "note": "6 years are sealed in the CA store; their Replay split is not built, so the as-of door answers not_sealed and the record is the live record as of 2026-11-06",
   "record_version": 1,
   "sealed": false,
   "store_years_sealed_not_served": [
    "2021",
    "2022",
    "2023",
    "2024",
    "2025",
    "2026"
   ]
  },
  "auditor": {
   "auditor": {
    "read_by": "Tavily regex",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://www.sec.gov/Archives/edgar/data/1690639/000095010321013846/dp157380_ex0401.htm",
    "state": "sourced",
    "value": "KPMG LLP"
   },
   "auditor_firm_id": {
    "market": "CA",
    "state": "not_on_record"
   },
   "auditor_location": {
    "market": "CA",
    "state": "not_on_record"
   },
   "changes": []
  },
  "cmr": "ca-cm-kg/TSX/VBNK",
  "coverage": {
   "count": 4,
   "houses": [
    {
     "analyst": "Joseph Yanchunis",
     "house": "Raymond James",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://www.versabank.com/investor-relations/analyst-coverage/",
     "state": "sourced"
    },
    {
     "analyst": "Craig Irwin, Andrew Scutt",
     "house": "Roth Capital Partners",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://www.versabank.com/investor-relations/analyst-coverage/",
     "state": "sourced"
    },
    {
     "analyst": "Tim Switzer",
     "house": "Keefe, Bruyette & Woods, Inc.",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://www.versabank.com/investor-relations/analyst-coverage/",
     "state": "sourced"
    },
    {
     "analyst": "Eli Rodney",
     "house": "Bullpen Research",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://www.versabank.com/investor-relations/analyst-coverage/",
     "state": "sourced"
    }
   ],
   "pages_checked": [
    {
     "page": "https://www.versabank.com/investor-relations/analyst-coverage/",
     "result": "read: 4 of 8 named houses found on the page"
    }
   ],
   "read_by": "Perplexity sonar (search) · page read by this rail",
   "read_date": "2026-11-12",
   "since": "not stated on the page read",
   "state": "found"
  },
  "disclosure": {
   "against": {
    "exchange": {
     "issuers": 2270,
     "median_cadence_gap_days": 16,
     "median_filings": 0,
     "median_latency_days": 3,
     "name": "TSX"
    },
    "sector": {
     "issuers": 98,
     "median_cadence_gap_days": 21.5,
     "median_filings": 10.5,
     "median_latency_days": 8.5,
     "name": "Financial Services"
    }
   },
   "by_type": {
    "agm_record_date": 1,
    "financial_statement": 1,
    "newswire_release": 12
   },
   "cadence_median_gap_days": 29.5,
   "filing_days": 13,
   "filings": 14,
   "latency_days": 10,
   "latest": [
    {
     "category": null,
     "date": "2026-10-27",
     "source": "https://www.newsfilecorp.com/release/321098/VersaBank-Receives-Final-Regulatory-Approval-to-Complete-Reorganization",
     "title": "VersaBank Receives Final Regulatory Approval to Complete Reorganization",
     "type": "newswire_release"
    },
    {
     "category": null,
     "date": "2026-10-15",
     "source": "https://www.newsfilecorp.com/release/319128/VersaBank-Initiates-Commercial-Phase-of-Tokenized-Deposit-Program-in-the-United-States",
     "title": "VersaBank Initiates Commercial Phase of Tokenized ...",
     "type": "newswire_release"
    },
    {
     "category": null,
     "date": "2026-09-04",
     "source": "https://www.newsfilecorp.com/release/312862",
     "title": "VersaBank to Participate in the Raymond James US Bank and Banking on Tech Conference in Chicago on September 8-10, 2026",
     "type": "newswire_release"
    },
    {
     "category": null,
     "date": "2026-09-03",
     "source": "https://www.newsfilecorp.com/release/312648/VersaBank-Reports-Strong-Third-Quarter-Results-Accelerating-US-SRP-Growth-Drives-23-YearOverYear-Increase-in-Revenue-53-Growth-in-Net-Income-and-27-Growth-in-Adjusted-Core-Net-Income-as-It-Continues-to-Benefit-from-Operating-Leverage",
     "title": "VersaBank Reports Strong Third Quarter Results: Accelerating US SRP Growth Drives 23% Year-Over-Year Increase in Revenue, 53% Growth in Net Income and 27% Growth in Adjusted (Core) Net Income as It Continues to Benefit from Operating Leverage",
     "type": "financial_statement"
    },
    {
     "category": null,
     "date": "2026-09-03",
     "source": "https://www.newsfilecorp.com/release/312590/VersaBank-Declares-Dividends",
     "title": "VersaBank Declares Dividends",
     "type": "newswire_release"
    }
   ],
   "latest_filing_date": "2026-10-27",
   "read": "the node's event lines (list_events_since), as get_filings serves them",
   "source": "https://mcp.ca-cm-kg.ai/events/TSX/VBNK",
   "window": {
    "from": "2025-11-06",
    "to": "2026-11-06"
   }
  },
  "identity": {
   "exchange": {
    "read_by": "tsx.com company directory (exchange list)",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://www.tsx.com/json/company-directory/search/tsx/^*",
    "state": "sourced",
    "value": "TSX"
   },
   "isin": {
    "market": "CA",
    "reason": "no ISIN found on issuer pages",
    "state": "not_on_record"
   },
   "jurisdiction": {
    "read_by": "GLEIF LEI record (LEI per the LEI column)",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://api.gleif.org/api/v1/lei-records/549300RUBSDFVNCR7415",
    "state": "sourced",
    "value": "Canada (federal) (CA)"
   },
   "lei": {
    "read_by": "GLEIF name-exact",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://api.gleif.org/api/v1/lei-records/549300RUBSDFVNCR7415",
    "state": "sourced",
    "value": "549300RUBSDFVNCR7415"
   },
   "name": {
    "read_by": "tsx.com company directory (exchange list)",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://www.tsx.com/json/company-directory/search/tsx/^*",
    "state": "sourced",
    "value": "VersaBank"
   },
   "sector": {
    "read_by": "TMX listed-companies workbook (exchange list, monthly; data month named in the source column)",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://www.tsx.com/en/resource/571 (tsx-and-amp-tsxv-listed-companies-2026-08-14-en.xlsx, data as of 31-Jul-2026)",
    "state": "sourced",
    "value": "Financial Services"
   },
   "security_type": {
    "read_by": "TMX listed-companies workbook (exchange list, monthly; data month named in the source column)",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://www.tsx.com/en/resource/571 (tsx-and-amp-tsxv-listed-companies-2026-08-14-en.xlsx, data as of 31-Jul-2026)",
    "state": "sourced",
    "value": "Corporate"
   },
   "segment": {
    "market": "CA",
    "state": "not_on_record"
   },
   "ticker": {
    "read_by": "tsx.com company directory (exchange list)",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://www.tsx.com/json/company-directory/search/tsx/^*",
    "state": "sourced",
    "value": "VBNK"
   },
   "website": {
    "market": "CA",
    "state": "not_on_record"
   }
  },
  "licensed": {
   "columns": [
    "licensor",
    "entitlement",
    "title",
    "date",
    "source"
   ],
   "rows": [],
   "rule": "A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded."
  },
  "lifecycle": {
   "delisting": [],
   "domicile_change": [],
   "listing": [],
   "name_change": [],
   "segment_move": []
  },
  "market": "CA",
  "node": "ca-cm-kg",
  "numbers_hash": "sha256:bc905496708d6fbe38701368f2cedf6dd497ccf53f95f5ce75bb55fb13dec501",
  "open_research": {
   "read_date": "2026-11-12",
   "rows": [],
   "state": "none_found"
  },
  "orderability": {
   "chapter_as_of": "2026-11-04",
   "client_categories": [
    "Paragraph (o) of the definition",
    "Paragraph (q) of the definition"
   ],
   "outcomes": {
    "Paragraph (o) of the definition": {
     "determinable": true,
     "signal": "ACM-200"
    },
    "Paragraph (q) of the definition": {
     "determinable": true,
     "signal": "ACM-200"
    }
   },
   "read": {
    "basis": "one live read per instrument class, halt state and client category on this market; this issuer's group",
    "chapter": "https://mcp.ca-cm-kg.ai/book/aio.json",
    "door": "https://mcp.ca-cm-kg.ai/mcp",
    "tool": "get_orderability"
   },
   "rule_version": "acm-68000/ca/kyp-know-your-product-ni-31-103/r1",
   "section": "ca.aio.v11"
  },
  "record": {
   "as_of": "2026-11-06",
   "url": "https://mcp.ca-cm-kg.ai/record/TSX/VBNK",
   "version": 1
  },
  "schema": "research-numbers v0.1 (USR-01, 2026-11-11)",
  "status": {
   "read_date": "2026-11-08",
   "source": "https://iiroc.mediaroom.com/index.php?s=2429&l=100",
   "value": "listed, not halted"
  }
 },
 "numbers_hash": "sha256:bc905496708d6fbe38701368f2cedf6dd497ccf53f95f5ce75bb55fb13dec501",
 "path": "/ca/TSX/VBNK",
 "schema": "research-page v0.1 (USR-02, 2026-11-11)",
 "sections": [
  {
   "id": "identity",
   "text": "The issuer is VersaBank, listed on the TSX under ticker VBNK. Its LEI is 549300RUBSDFVNCR7415; the record holds no ISIN, as none was found on issuer pages. Its security type is Corporate, its segment is not on the record, its sector is Financial Services, and its jurisdiction is Canada (federal) (CA). Its listing status is listed, not halted.",
   "title": "Identity and listing"
  },
  {
   "id": "disclosure",
   "text": "The record holds 14 filings in the twelve months to 2026-11-06, across 13 filing days. The filings comprise 12 newswire releases, 1 financial statement and 1 AGM record date. The median gap between filing days is 29.5 days. The latest filing is a newswire release dated 2026-10-27, 10 days before the record date. The TSX median cadence gap is 16 days, and the TSX median latency is 3.0 days, with a median of 0.0 filings across 2,270 issuers. The Financial Services median cadence gap is 21.5 days, the sector median latency is 8.5 days, and the sector median filing count is 10.5 across 98 issuers.",
   "title": "The disclosure read"
  },
  {
   "id": "auditor",
   "text": "The auditor of record is KPMG LLP. The auditor's location is not on the record. The record holds no auditor changes.",
   "title": "Auditor"
  },
  {
   "id": "events",
   "text": "The record holds no listing, delisting, name change, domicile change or segment move lines. The halt flag shows listed, not halted.",
   "title": "Events and halts"
  },
  {
   "id": "orderability",
   "text": "Under the rule version acm-68000/ca/kyp-know-your-product-ni-31-103/r1, the outcome is determinable for both client categories the chapter names: paragraph (o) of the definition and paragraph (q) of the definition, each with signal ACM-200. The chapter is as of 2026-11-04.",
   "title": "Orderability"
  },
  {
   "id": "coverage",
   "text": "Four research houses are named on the issuer's own investor-relations page: Raymond James, Roth Capital Partners, Keefe, Bruyette & Woods, Inc., and Bullpen Research.",
   "title": "Coverage"
  },
  {
   "id": "open_research",
   "text": "No openly published research notes were found on the record.",
   "title": "Open research"
  },
  {
   "id": "licensed",
   "text": "Licensed research: none loaded. A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded.",
   "title": "Licensed"
  },
  {
   "id": "depth",
   "text": "The market's vintage is not sealed, and no issuer years are sealed. The live record began on 2026-09-10. Years 2021 through 2026 are sealed in the store but not served as of a date; the as-of door answers not_sealed.",
   "title": "As-of depth"
  },
  {
   "id": "sources",
   "text": "9 source pages are named on this page; every value above carries its own source page and read date in the numbers.",
   "title": "Sources"
  }
 ],
 "sources": [
  {
   "for": "identity.exchange",
   "source": "https://www.tsx.com/json/company-directory/search/tsx/^*"
  },
  {
   "for": "identity.jurisdiction",
   "source": "https://api.gleif.org/api/v1/lei-records/549300RUBSDFVNCR7415"
  },
  {
   "for": "identity.sector",
   "source": "https://www.tsx.com/en/resource/571"
  },
  {
   "for": "the disclosure lines",
   "source": "https://mcp.ca-cm-kg.ai/events/TSX/VBNK"
  },
  {
   "for": "the halt flag",
   "source": "https://iiroc.mediaroom.com/index.php?s=2429&l=100"
  },
  {
   "for": "the auditor",
   "source": "https://www.sec.gov/Archives/edgar/data/1690639/000095010321013846/dp157380_ex0401.htm"
  },
  {
   "for": "the orderability chapter",
   "source": "https://mcp.ca-cm-kg.ai/book/aio.json"
  },
  {
   "for": "coverage",
   "source": "https://www.versabank.com/investor-relations/analyst-coverage/"
  },
  {
   "for": "the record",
   "source": "https://mcp.ca-cm-kg.ai/record/TSX/VBNK"
  }
 ],
 "title": "VersaBank (VBNK) — research page",
 "writer": {
  "by": "Claude through the platform account, Haiku class; one pass; checked against the numbers",
  "engine": "claude-haiku-5-5"
 }
}