VBTX Fundamental Analysis - VERITEX HOLDINGS INC

Fundamental Rating

Overall VBTX gets a fundamental rating of 3 out of 10. We evaluated VBTX against 393 industry peers in the Banks industry. VBTX may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, VBTX is valued expensive at the moment.

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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.

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

With a Return On Assets value of 0.92%, VBTX perfoms like the industry average, outperforming 56.23% of the companies in the same industry.

VBTX has a Return On Equity of 7.03%. This is in the lower half of the industry: VBTX underperforms 62.34% 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

VBTX has a better Profit Margin (26.40%) than 67.43% 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 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

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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.

The number of shares outstanding for VBTX has been increased compared to 1 year ago.

Compared to 5 years ago, VBTX has more shares outstanding

Compared to 1 year ago, VBTX has an improved debt to assets ratio.

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.

The Debt to FCF ratio of VBTX (1.48) is better than 62.09% 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's Debt to Equity ratio of 0.09 is fine compared to the rest of the industry. VBTX outperforms 72.77% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.09
Debt/FCF	1.48
Altman-Z	N/A

ROIC/WACCN/A

WACC20.93%

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 -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.

The Revenue has grown by 11.65% in the past year. This is quite good.

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

The Earnings Per Share is expected to grow by 7.21% on average over the next years.

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

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

With a Price/Earnings ratio of 15.82, VBTX is valued correctly.

VBTX's Price/Earnings ratio is a bit more expensive when compared to the industry. VBTX is more expensive than 68.70% of the companies in the same industry.

VBTX's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.17.

The Price/Forward Earnings ratio is 14.09, which 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 71.50% of the companies are valued more cheaply.

When comparing the Price/Forward Earnings ratio of VBTX to the average of the S&P500 Index (22.78), we can say VBTX is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	15.82
Fwd PE	14.09

4.2 Price Multiples

65.39% of the companies in the same industry are cheaper than VBTX, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	17.91
EV/EBITDA	N/A

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)1.89

PEG (5Y)5.13

EPS Next 2Y7.21%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.74%, VBTX has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.30, VBTX has a dividend in line with its industry peers.

VBTX's Dividend Yield is comparable with the S&P500 average which is at 2.34.

		Industry Rank	Sector Rank
Dividend Yield	2.74%

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.

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

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VERITEX HOLDINGS INC

NASDAQ:VBTX (8/29/2025, 1:55:44 PM)

34.49

+0.13 (+0.38%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-18 2025-07-18/bmo

Earnings (Next)10-20 2025-10-20/amc

Inst Owners93.02%

Inst Owner Change-4.01%

Ins Owners3.47%

Ins Owner Change6.31%

Market Cap1.89B

Analysts76.67

Price Target33.86 (-1.83%)

Short Float %2.31%

Short Ratio1.28

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.74%

Yearly Dividend0.8

Dividend Growth(5Y)2.3%

DP38.53%

Div Incr Years0

Div Non Decr Years5

Ex-Date08-07 2025-08-07 (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)9.45%

PT rev (3m)13.18%

EPS NQ rev (1m)2.96%

EPS NQ rev (3m)2.35%

EPS NY rev (1m)2.72%

EPS NY rev (3m)2.93%

Revenue NQ rev (1m)0.25%

Revenue NQ rev (3m)-2.52%

Revenue NY rev (1m)-0.17%

Revenue NY rev (3m)-0.14%

Valuation

		Industry Rank	Sector Rank
PE	15.82
Fwd PE	14.09
P/S	4.3
P/FCF	17.91
P/OCF	15.5
P/B	1.14
P/tB	1.55
EV/EBITDA	N/A

EPS(TTM)2.18

EY6.32%

EPS(NY)2.45

Fwd EY7.1%

FCF(TTM)1.93

FCFY5.58%

OCF(TTM)2.22

OCFY6.45%

SpS8.02

BVpS30.12

TBVpS22.28

PEG (NY)1.89

PEG (5Y)5.13

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

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 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

WACC20.93%

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%

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