)

VersaBank (VB) investor relations material
VersaBank Planet MicroCap Showcase: TORONTO 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Business model and growth strategy
- Operates as a branchless digital bank using a partner-based model, earning a 2.5% spread, which is significantly higher than industry averages in Canada. 
- Avoids bad loans by requiring partners to repurchase loans in arrears, minimizing credit risk and eliminating the need for collection departments. 
- Expanded into the U.S. market after obtaining a rare national bank license, leveraging its point-of-sale lending model, and launched a securitization product to match U.S. market practices. 
- Growth has been robust, with 15% year-over-year increases, especially in home improvement lending, and a current U.S. loan book of about $250 million. 
- Uses deposit brokers for funding, with major partners in both Canada and the U.S., and aims to further diversify its broker network. 
Technology and operational efficiency
- Operates entirely in a cloud environment, using proprietary software for deposit and asset management. 
- Developed an in-house AI model that rapidly adjudicates loans and audits 90% of cash flows, greatly improving efficiency and scalability. 
- AI ensures partners stay within credit parameters and dynamically adjusts cash holdbacks based on portfolio performance. 
- Human auditors are still used but are slower than the AI system; the AI also helps optimize energy use in tech facilities. 
Digital assets and regulatory engagement
- Pioneered tokenized deposit receipts (now called deposit tokens) on blockchains like Algorand, Stellar, and Ethereum, offering insured, interest-bearing digital assets. 
- Piloted digital deposit tokens in Canada and is now refreshing and piloting them in the U.S., with both USD and CAD versions available. 
- Regulatory engagement has been strong, with U.S. and Canadian regulators viewing the product as a safe harbor amid concerns about unregulated stablecoins. 
- Structure reorganized to a U.S. bank holding company listed on NASDAQ, making it easier to sell business units and align with U.S. investor expectations. 
Next VersaBank earnings date

The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
Frequently asked questions
- Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free. 
- Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions. 
- Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more. 
Explore our global coverage
)
)