30.26 USD
+0.3 (+1%)
30.14 USD
-0.12 (-0.4%)
VBTX gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. VBTX has a bad profitability rating. Also its financial health evaluation is rather negative. VBTX is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year VBTX was profitable.
In the past year VBTX had a positive cash flow from operations.
Each year in the past 5 years VBTX has been profitable.
VBTX had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of VBTX (0.92%) is comparable to the rest of the industry.
VBTX has a Return On Equity of 7.03%. This is in the lower half of the industry: VBTX underperforms 62.66% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.92% | ||
| ROE | 7.03% | ||
| ROIC | N/A |
ROA(3y)0.97%
ROA(5y)1.04%
ROE(3y)7.95%
ROE(5y)8.12%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 26.40%, VBTX is in the better half of the industry, outperforming 66.50% of the companies in the same industry.
VBTX's Profit Margin has declined in the last couple of years.
VBTX does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.4% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-15.09%
PM growth 5Y-2.62%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
VBTX does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for VBTX has been increased compared to 1 year ago.
The number of shares outstanding for VBTX has been increased compared to 5 years ago.
The debt/assets ratio for VBTX has been reduced compared to a year ago.
2.2 Solvency
VBTX has a debt to FCF ratio of 1.48. This is a very positive value and a sign of high solvency as it would only need 1.48 years to pay back of all of its debts.
VBTX has a Debt to FCF ratio of 1.48. This is comparable to the rest of the industry: VBTX outperforms 59.85% of its industry peers.
A Debt/Equity ratio of 0.09 indicates that VBTX is not too dependend on debt financing.
VBTX has a Debt to Equity ratio of 0.09. This is in the better half of the industry: VBTX outperforms 71.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 1.48 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC22.14%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for VBTX have decreased by -2.24% in the last year.
The Earnings Per Share has been growing slightly by 3.08% on average over the past years.
Looking at the last year, VBTX shows a quite strong growth in Revenue. The Revenue has grown by 11.65% in the last year.
VBTX shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.19% yearly.
EPS 1Y (TTM)-2.24%
EPS 3Y-8.38%
EPS 5Y3.08%
EPS Q2Q%7.69%
Revenue 1Y (TTM)11.65%
Revenue growth 3Y7.86%
Revenue growth 5Y6.19%
Sales Q2Q%2.83%
3.2 Future
VBTX is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.32% yearly.
VBTX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.62% yearly.
EPS Next Y8.94%
EPS Next 2Y8.32%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.63%
Revenue Next 2Y4.62%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 13.88, the valuation of VBTX can be described as correct.
Based on the Price/Earnings ratio, VBTX is valued a bit more expensive than 62.92% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.51, VBTX is valued a bit cheaper.
A Price/Forward Earnings ratio of 12.11 indicates a correct valuation of VBTX.
66.75% of the companies in the same industry are cheaper than VBTX, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.13, VBTX is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.88 | ||
| Fwd PE | 12.11 |
4.2 Price Multiples
VBTX's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. VBTX is more expensive than 61.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.71 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.55
PEG (5Y)4.5
EPS Next 2Y8.32%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.91%, VBTX has a reasonable but not impressive dividend return.
VBTX's Dividend Yield is comparable with the industry average which is at 2.74.
Compared to an average S&P500 Dividend Yield of 2.00, VBTX pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.91% |
5.2 History
The dividend of VBTX has a limited annual growth rate of 2.30%.
VBTX has been paying a dividend for over 5 years, so it has already some track record.
VBTX has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)2.3%
Div Incr Years0
Div Non Decr Years5
5.3 Sustainability
38.53% of the earnings are spent on dividend by VBTX. This is a low number and sustainable payout ratio.
VBTX's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP38.53%
EPS Next 2Y8.32%
EPS Next 3YN/A
30.26
+0.3 (+1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners91.38%
Inst Owner Change12.26%
Ins Owners3.4%
Ins Owner Change-84.86%
Market Cap1.66B
Revenue(TTM)438.93M
Net Income(TTM)115.86M
Analysts76.67
Price Target33.86 (11.9%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.91% |
Yearly Dividend0.8
Dividend Growth(5Y)2.3%
DP38.53%
Div Incr Years0
Div Non Decr Years5
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.15%
Min EPS beat(2)1.17%
Max EPS beat(2)3.13%
EPS beat(4)3
Avg EPS beat(4)-1.02%
Min EPS beat(4)-12.92%
Max EPS beat(4)4.54%
EPS beat(8)3
Avg EPS beat(8)-4.12%
EPS beat(12)5
Avg EPS beat(12)-4.68%
EPS beat(16)7
Avg EPS beat(16)-4%
Revenue beat(2)0
Avg Revenue beat(2)-2.77%
Min Revenue beat(2)-2.84%
Max Revenue beat(2)-2.69%
Revenue beat(4)1
Avg Revenue beat(4)-3.03%
Min Revenue beat(4)-7.23%
Max Revenue beat(4)0.65%
Revenue beat(8)1
Avg Revenue beat(8)-6.85%
Revenue beat(12)2
Avg Revenue beat(12)-5.02%
Revenue beat(16)4
Avg Revenue beat(16)-4.52%
PT rev (1m)0%
PT rev (3m)9.45%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.96%
EPS NY rev (1m)0.52%
EPS NY rev (3m)3.25%
Revenue NQ rev (1m)0.75%
Revenue NQ rev (3m)1%
Revenue NY rev (1m)0.38%
Revenue NY rev (3m)0.21%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.88 | ||
| Fwd PE | 12.11 | ||
| P/S | 3.77 | ||
| P/FCF | 15.71 | ||
| P/OCF | 13.6 | ||
| P/B | 1 | ||
| P/tB | 1.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.18
EY7.2%
EPS(NY)2.5
Fwd EY8.26%
FCF(TTM)1.93
FCFY6.37%
OCF(TTM)2.22
OCFY7.35%
SpS8.02
BVpS30.12
TBVpS22.28
PEG (NY)1.55
PEG (5Y)4.5
Graham Number38.44
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.92% | ||
| ROE | 7.03% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.4% | ||
| GM | N/A | ||
| FCFM | 24.03% |
ROA(3y)0.97%
ROA(5y)1.04%
ROE(3y)7.95%
ROE(5y)8.12%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-15.09%
PM growth 5Y-2.62%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 1.48 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 83.85% | ||
| Cap/Sales | 3.72% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 91.02% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC22.14%
ROIC/WACCN/A
Cap/Depr(3y)32.66%
Cap/Depr(5y)40.59%
Cap/Sales(3y)1.5%
Cap/Sales(5y)1.89%
Profit Quality(3y)125.14%
Profit Quality(5y)129.22%
High Growth Momentum
Growth
EPS 1Y (TTM)-2.24%
EPS 3Y-8.38%
EPS 5Y3.08%
EPS Q2Q%7.69%
EPS Next Y8.94%
EPS Next 2Y8.32%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.65%
Revenue growth 3Y7.86%
Revenue growth 5Y6.19%
Sales Q2Q%2.83%
Revenue Next Year2.63%
Revenue Next 2Y4.62%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-44.26%
FCF growth 3Y-11.71%
FCF growth 5Y5.16%
OCF growth 1Y-36.5%
OCF growth 3Y-11.01%
OCF growth 5Y5.57%
VERITEX HOLDINGS INC / VBTX FAQ
What is the ChartMill fundamental rating of VERITEX HOLDINGS INC (VBTX) stock?
ChartMill assigns a fundamental rating of 3 / 10 to VBTX.
Can you provide the valuation status for VERITEX HOLDINGS INC?
ChartMill assigns a valuation rating of 2 / 10 to VERITEX HOLDINGS INC (VBTX). This can be considered as Overvalued.
Can you provide the profitability details for VERITEX HOLDINGS INC?
VERITEX HOLDINGS INC (VBTX) has a profitability rating of 3 / 10.
What is the financial health of VERITEX HOLDINGS INC (VBTX) stock?
The financial health rating of VERITEX HOLDINGS INC (VBTX) is 3 / 10.
Can you provide the expected EPS growth for VBTX stock?
The Earnings per Share (EPS) of VERITEX HOLDINGS INC (VBTX) is expected to grow by 8.94% in the next year.