30.26 USD
+0.3 (+1%)
30.14 USD
-0.12 (-0.4%)
Overall VBTX gets a fundamental rating of 3 out of 10. We evaluated VBTX against 387 industry peers in the Banks industry. VBTX may be in some trouble as it scores bad on both profitability and health. VBTX is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
VBTX had positive earnings in the past year.
In the past year VBTX had a positive cash flow from operations.
VBTX had positive earnings in each of the past 5 years.
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.
The Return On Equity of VBTX (7.03%) is worse than 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.
In the last couple of years the Profit Margin of VBTX has declined.
The Operating Margin and Gross Margin are not available for VBTX so they could not be analyzed.
| 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
The Debt to FCF ratio of VBTX is 1.48, which is an excellent value as it means it would take VBTX, only 1.48 years of fcf income to pay off 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.
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 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
VBTX shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.24%.
VBTX shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.08% yearly.
Looking at the last year, VBTX shows a quite strong growth in Revenue. The Revenue has grown by 11.65% in the last year.
The Revenue has been growing slightly by 6.19% on average over the past years.
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.
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
VBTX is valuated correctly with a Price/Earnings ratio of 13.88.
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 valuation a bit cheaper than the S&P500 average which is at 26.59.
A Price/Forward Earnings ratio of 12.11 indicates a correct valuation of VBTX.
Compared to the rest of the industry, the Price/Forward Earnings ratio of VBTX indicates a slightly more expensive valuation: VBTX is more expensive than 66.75% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of VBTX to the average of the S&P500 Index (23.80), we can say VBTX is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.88 | ||
| Fwd PE | 12.11 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, VBTX is valued a bit 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
VBTX has a Yearly Dividend Yield of 2.91%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.11, VBTX has a dividend in line with its industry peers.
VBTX's Dividend Yield is a higher than the S&P500 average which is at 2.31.
| 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
VBTX pays out 38.53% of its income as dividend. This is a 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-78.7%
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-Date
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.
What is the valuation status of VERITEX HOLDINGS INC (VBTX) stock?
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 valuation of VERITEX HOLDINGS INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for VERITEX HOLDINGS INC (VBTX) is 13.88 and the Price/Book (PB) ratio is 1.
Is the dividend of VERITEX HOLDINGS INC sustainable?
The dividend rating of VERITEX HOLDINGS INC (VBTX) is 6 / 10 and the dividend payout ratio is 38.53%.