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VERITEX HOLDINGS INC (VBTX) Stock Fundamental Analysis

USA - NASDAQ:VBTX - US9234511080 - Common Stock

33.5 USD
+0.43 (+1.3%)
Last: 10/3/2025, 8:10:14 PM
33.5 USD
0 (0%)
After Hours: 10/3/2025, 8:10:14 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to VBTX. VBTX was compared to 392 industry peers in the Banks industry. Both the profitability and financial health of VBTX have multiple concerns. VBTX is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year VBTX was profitable.
VBTX had a positive operating cash flow in the past year.
In the past 5 years VBTX has always 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M

1.2 Ratios

VBTX has a Return On Assets (0.92%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 7.03%, VBTX is doing worse than 62.24% 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

With a decent Profit Margin value of 26.40%, VBTX is doing good in the industry, outperforming 66.33% of the companies in the same industry.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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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.
Compared to 1 year ago, VBTX has an improved debt to assets ratio.
VBTX Yearly Shares OutstandingVBTX Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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 in the better half of the industry: VBTX outperforms 60.20% of its industry peers.
A Debt/Equity ratio of 0.09 indicates that VBTX is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.09, VBTX is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 1.48
Altman-Z N/A
ROIC/WACCN/A
WACC21.11%
VBTX Yearly LT Debt VS Equity VS FCFVBTX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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4

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

Based on estimates for the next years, VBTX will show a small growth in Earnings Per Share. The EPS will grow by 7.21% on average per year.
VBTX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.51% yearly.
EPS Next Y8.38%
EPS Next 2Y7.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.24%
Revenue Next 2Y3.51%
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.
VBTX Yearly Revenue VS EstimatesVBTX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 15.37, which indicates a correct valuation of VBTX.
Based on the Price/Earnings ratio, VBTX is valued a bit more expensive than 68.37% of the companies in the same industry.
When comparing the Price/Earnings ratio of VBTX to the average of the S&P500 Index (27.86), we can say VBTX is valued slightly cheaper.
The Price/Forward Earnings ratio is 13.68, which indicates a correct valuation of VBTX.
70.66% of the companies in the same industry are cheaper than VBTX, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of VBTX to the average of the S&P500 Index (23.32), we can say VBTX is valued slightly cheaper.
Industry RankSector Rank
PE 15.37
Fwd PE 13.68
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 65.31% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 17.39
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 high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)1.83
PEG (5Y)4.98
EPS Next 2Y7.21%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

VBTX has a Yearly Dividend Yield of 2.66%.
Compared to an average industry Dividend Yield of 3.59, VBTX has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, VBTX has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.66%

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

38.53% of the earnings are spent on dividend by VBTX. This is a low number and sustainable payout ratio.
The dividend of VBTX is growing, but earnings are growing more, so the dividend growth is sustainable.
DP38.53%
EPS Next 2Y7.21%
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 2015 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

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VERITEX HOLDINGS INC

NASDAQ:VBTX (10/3/2025, 8:10:14 PM)

After market: 33.5 0 (0%)

33.5

+0.43 (+1.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-18 2025-07-18/bmo
Earnings (Next)10-28 2025-10-28/amc
Inst Owners91.38%
Inst Owner Change0%
Ins Owners3.4%
Ins Owner Change6.24%
Market Cap1.83B
Analysts76.67
Price Target33.86 (1.07%)
Short Float %3.27%
Short Ratio1.93
Dividend
Industry RankSector Rank
Dividend Yield 2.66%
Yearly Dividend0.8
Dividend Growth(5Y)2.3%
DP38.53%
Div Incr Years0
Div Non Decr Years5
Ex-Date09-16 2025-09-16 (0.22)
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)13.18%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.82%
EPS NY rev (1m)0%
EPS NY rev (3m)2.93%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.4%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.14%
Valuation
Industry RankSector Rank
PE 15.37
Fwd PE 13.68
P/S 4.18
P/FCF 17.39
P/OCF 15.06
P/B 1.11
P/tB 1.5
EV/EBITDA N/A
EPS(TTM)2.18
EY6.51%
EPS(NY)2.45
Fwd EY7.31%
FCF(TTM)1.93
FCFY5.75%
OCF(TTM)2.22
OCFY6.64%
SpS8.02
BVpS30.12
TBVpS22.28
PEG (NY)1.83
PEG (5Y)4.98
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
ROICexcg growth 3YN/A
ROICexcg 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
WACC21.11%
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 Y8.38%
EPS Next 2Y7.21%
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 Year2.24%
Revenue Next 2Y3.51%
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%