VBTX Fundamental Analysis - VERITEX HOLDINGS INC

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to VBTX. VBTX was compared to 394 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.

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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

VBTX's Return On Assets of 0.89% is in line compared to the rest of the industry. VBTX outperforms 54.57% of its industry peers.

The Return On Equity of VBTX (6.87%) is worse than 63.20% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.89%
ROE	6.87%
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

VBTX's Profit Margin of 25.73% is fine compared to the rest of the industry. VBTX outperforms 63.45% of its industry peers.

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)	25.73%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

2.2 Solvency

VBTX has a debt to FCF ratio of 1.26. This is a very positive value and a sign of high solvency as it would only need 1.26 years to pay back of all of its debts.

The Debt to FCF ratio of VBTX (1.26) is better than 67.26% of its industry peers.

VBTX has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.

VBTX's Debt to Equity ratio of 0.10 is fine compared to the rest of the industry. VBTX outperforms 72.08% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.1
Debt/FCF	1.26
Altman-Z	N/A

ROIC/WACCN/A

WACC21.72%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

VBTX shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.94%.

VBTX shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.08% yearly.

The Revenue has grown by 8.76% in the past year. This is quite good.

The Revenue has been growing slightly by 6.19% on average over the past years.

EPS 1Y (TTM)-8.94%

EPS 3Y-8.38%

EPS 5Y3.08%

EPS Q2Q%1.89%

Revenue 1Y (TTM)8.76%

Revenue growth 3Y7.86%

Revenue growth 5Y6.19%

Sales Q2Q%3.74%

3.2 Future

VBTX is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.65% yearly.

VBTX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.90% yearly.

EPS Next Y5.51%

EPS Next 2Y6.65%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year2.42%

Revenue Next 2Y3.9%

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.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 15.33, the valuation of VBTX can be described as correct.

VBTX's Price/Earnings ratio is a bit more expensive when compared to the industry. VBTX is more expensive than 64.72% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 27.48. VBTX is valued slightly cheaper when compared to this.

The Price/Forward Earnings ratio is 13.54, which indicates a correct valuation of VBTX.

Based on the Price/Forward Earnings ratio, VBTX is valued a bit more expensive than 70.05% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 36.52. VBTX is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	15.33
Fwd PE	13.54

4.2 Price Multiples

VBTX's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	14.43
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates VBTX does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)2.78

PEG (5Y)4.97

EPS Next 2Y6.65%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

VBTX has a Yearly Dividend Yield of 3.13%.

VBTX's Dividend Yield is comparable with the industry average which is at 3.31.

Compared to an average S&P500 Dividend Yield of 2.34, VBTX pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.13%

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 38.88% 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.

DP38.88%

EPS Next 2Y6.65%

EPS Next 3YN/A

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VERITEX HOLDINGS INC

NASDAQ:VBTX (7/17/2025, 8:00:02 PM)

After market: 32.8 0 (0%)

32.8

+0.73 (+2.28%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-22 2025-04-22/amc

Earnings (Next)07-22 2025-07-22/amc

Inst Owners93.32%

Inst Owner Change0%

Ins Owners3.31%

Ins Owner Change7.86%

Market Cap1.78B

Analysts78.33

Price Target29.92 (-8.78%)

Short Float %2.77%

Short Ratio2.57

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.13%

Yearly Dividend0.8

Dividend Growth(5Y)2.3%

DP38.88%

Div Incr Years0

Div Non Decr Years5

Ex-Date05-08 2025-05-08 (0.22)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-4.89%

Min EPS beat(2)-12.92%

Max EPS beat(2)3.13%

EPS beat(4)2

Avg EPS beat(4)-2.45%

Min EPS beat(4)-12.92%

Max EPS beat(4)4.54%

EPS beat(8)2

Avg EPS beat(8)-6.29%

EPS beat(12)4

Avg EPS beat(12)-6.61%

EPS beat(16)6

Avg EPS beat(16)-4.22%

Revenue beat(2)0

Avg Revenue beat(2)-5.03%

Min Revenue beat(2)-7.23%

Max Revenue beat(2)-2.84%

Revenue beat(4)1

Avg Revenue beat(4)-3.2%

Min Revenue beat(4)-7.23%

Max Revenue beat(4)0.65%

Revenue beat(8)1

Avg Revenue beat(8)-7.05%

Revenue beat(12)2

Avg Revenue beat(12)-5.25%

Revenue beat(16)5

Avg Revenue beat(16)-4.24%

PT rev (1m)0%

PT rev (3m)-9.04%

EPS NQ rev (1m)-0.61%

EPS NQ rev (3m)0.62%

EPS NY rev (1m)0.2%

EPS NY rev (3m)-0.45%

Revenue NQ rev (1m)-0.23%

Revenue NQ rev (3m)-1.6%

Revenue NY rev (1m)0.03%

Revenue NY rev (3m)-1.71%

Valuation

		Industry Rank	Sector Rank
PE	15.33
Fwd PE	13.54
P/S	4.08
P/FCF	14.43
P/OCF	13.12
P/B	1.09
P/tB	1.48
EV/EBITDA	N/A

EPS(TTM)2.14

EY6.52%

EPS(NY)2.42

Fwd EY7.39%

FCF(TTM)2.27

FCFY6.93%

OCF(TTM)2.5

OCFY7.62%

SpS8.03

BVpS30.1

TBVpS22.13

PEG (NY)2.78

PEG (5Y)4.97

Profitability

		Industry Rank	Sector Rank
ROA	0.89%
ROE	6.87%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.73%
GM	N/A
FCFM	28.3%

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 Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.1
Debt/FCF	1.26
Debt/EBITDA	N/A
Cap/Depr	64.05%
Cap/Sales	2.82%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	110.01%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score9

WACC21.72%

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)-8.94%

EPS 3Y-8.38%

EPS 5Y3.08%

EPS Q2Q%1.89%

EPS Next Y5.51%

EPS Next 2Y6.65%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)8.76%

Revenue growth 3Y7.86%

Revenue growth 5Y6.19%

Sales Q2Q%3.74%

Revenue Next Year2.42%

Revenue Next 2Y3.9%

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-20.66%

FCF growth 3Y-11.71%

FCF growth 5Y5.16%

OCF growth 1Y-14.66%

OCF growth 3Y-11.01%

OCF growth 5Y5.57%

VERITEX HOLDINGS INC (VBTX) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens