VERITEX HOLDINGS INC (VBTX) Fundamental Analysis & Valuation

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 Forecast Earnings Financials Ownership News

This VBTX fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

Taking everything into account, VBTX scores 3 out of 10 in our fundamental rating. VBTX was compared to 381 industry peers in the Banks industry. Both the profitability and financial health of VBTX have multiple concerns. While showing a medium growth rate, VBTX is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

3

1. VBTX Profitability Analysis

1.1 Basic Checks

  • In the past year VBTX was profitable.
  • VBTX had a positive operating cash flow in the past year.
  • VBTX had positive earnings in each of the past 5 years.
  • Each year in the past 5 years VBTX had a positive operating cash flow.
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

  • VBTX has a Return On Assets (0.92%) which is in line with its industry peers.
  • VBTX's Return On Equity of 7.03% is on the low side compared to the rest of the industry. VBTX is outperformed by 62.66% of its industry peers.
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

  • VBTX has a better Profit Margin (26.40%) than 66.50% of its industry peers.
  • 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 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. VBTX Health Analysis

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
  • 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.
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.
  • VBTX has a Debt to FCF ratio (1.48) which is in line with its industry peers.
  • A Debt/Equity ratio of 0.09 indicates that VBTX is not too dependend on debt financing.
  • VBTX's Debt to Equity ratio of 0.09 is fine compared to the rest of the industry. VBTX outperforms 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. VBTX Growth Analysis

3.1 Past

  • The earnings per share for VBTX have decreased by -2.24% in the last year.
  • 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

  • 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.
  • 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

More info and screens

Find the best growth stocksShow best growing peers

2

4. VBTX Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.88 indicates a correct valuation of VBTX.
  • Based on the Price/Earnings ratio, VBTX is valued a bit more expensive than the industry average as 62.92% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Earnings ratio of 25.71, VBTX is valued a bit cheaper.
  • With a Price/Forward Earnings ratio of 12.11, VBTX is valued correctly.
  • 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.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.82, VBTX is valued a bit cheaper.
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

  • 61.64% of the companies in the same industry are cheaper than VBTX, based on the Price/Free Cash Flow ratio.
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

  • VBTX's 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

More info and screens

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

6

5. VBTX Dividend Analysis

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 2.86, VBTX has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, 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.
  • 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
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

VBTX Fundamentals: All Metrics, Ratios and Statistics

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-82.85%
Ins Owners3.4%
Ins Owner Change-86.88%
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.