VERITEX HOLDINGS INC (VBTX) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:VBTX • US9234511080

30.26 USD
+0.3 (+1%)
At close: Oct 17, 2025
30.14 USD
-0.12 (-0.4%)
After Hours: 10/17/2025, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall VBTX gets a fundamental rating of 3 out of 10. We evaluated VBTX against 381 industry peers in the Banks industry. VBTX has a bad profitability rating. Also its financial health evaluation is rather negative. VBTX is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • VBTX had positive earnings in the past year.
  • VBTX had a positive operating cash flow in the past year.
  • 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.
VBTX Yearly Net Income VS EBIT VS OCF VS FCFVBTX Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M

1.2 Ratios

  • With a Return On Assets value of 0.92%, VBTX perfoms like the industry average, outperforming 55.50% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 7.03%, VBTX is doing worse than 62.66% of the companies in the same industry.
Industry RankSector 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
VBTX Yearly ROA, ROE, ROICVBTX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • The Profit Margin of VBTX (26.40%) is better than 66.50% of its industry peers.
  • VBTX's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for VBTX so they could not be analyzed.
Industry RankSector 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
VBTX Yearly Profit, Operating, Gross MarginsVBTX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • VBTX does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, VBTX has more shares outstanding
  • VBTX has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for VBTX has been reduced compared to a year ago.
VBTX Yearly Shares OutstandingVBTX Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
VBTX Yearly Total Debt VS Total AssetsVBTX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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.
  • With a Debt to FCF ratio value of 1.48, VBTX perfoms like the industry average, outperforming 59.85% of the companies in the same industry.
  • VBTX has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
  • VBTX has a better Debt to Equity ratio (0.09) than 71.61% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 1.48
Altman-Z N/A
ROIC/WACCN/A
WACC22.14%
VBTX Yearly LT Debt VS Equity VS FCFVBTX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
VBTX Yearly Current Assets VS Current LiabilitesVBTX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The earnings per share for VBTX have decreased by -2.24% in the last year.
  • Measured over the past 5 years, VBTX shows a small growth in Earnings Per Share. The EPS has been growing by 3.08% on average per year.
  • Looking at the last year, VBTX shows a quite strong growth in Revenue. The Revenue has grown by 11.65% in the last year.
  • Measured over the past years, VBTX shows a small growth in Revenue. The Revenue has been growing by 6.19% on average per year.
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

  • Based on estimates for the next years, VBTX will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.32% on average per year.
  • The Revenue is expected to grow by 4.62% on average over the next years.
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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
VBTX Yearly Revenue VS EstimatesVBTX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M
VBTX Yearly EPS VS EstimatesVBTX Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 13.88, VBTX is valued correctly.
  • 62.92% of the companies in the same industry are cheaper than VBTX, based on the Price/Earnings ratio.
  • VBTX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.23.
  • A Price/Forward Earnings ratio of 12.11 indicates a correct valuation of VBTX.
  • Based on the Price/Forward Earnings ratio, VBTX is valued a bit more expensive than the industry average as 66.75% of the companies are valued more cheaply.
  • VBTX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.01.
Industry RankSector Rank
PE 13.88
Fwd PE 12.11
VBTX Price Earnings VS Forward Price EarningsVBTX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, VBTX is valued a bit more expensive than the industry average as 61.64% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 15.71
EV/EBITDA N/A
VBTX Per share dataVBTX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.91%, VBTX has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.53, VBTX has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.79, VBTX pays a better dividend.
Industry RankSector 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.
  • As VBTX did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)2.3%
Div Incr Years0
Div Non Decr Years5
VBTX Yearly Dividends per shareVBTX Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

  • VBTX pays out 38.53% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of VBTX is growing, but earnings are growing more, so the dividend growth is sustainable.
DP38.53%
EPS Next 2Y8.32%
EPS Next 3YN/A
VBTX Yearly Income VS Free CF VS DividendVBTX Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M
VBTX Dividend Payout.VBTX Dividend Payout, showing the Payout Ratio.VBTX Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

VERITEX HOLDINGS INC

NASDAQ:VBTX (10/17/2025, 8:00:01 PM)

After market: 30.14 -0.12 (-0.4%)

30.26

+0.3 (+1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-18
Earnings (Next)10-28
Inst Owners91.38%
Inst Owner Change-17.91%
Ins Owners3.4%
Ins Owner Change-87.77%
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 RankSector 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 RankSector 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 RankSector 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 RankSector 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.