VERITEX HOLDINGS INC (VBTX) Fundamental Analysis & Valuation

NASDAQ:VBTX • US9234511080

Current stock price

30.26 USD
+0.3 (+1%)
At close:
30.14 USD
-0.12 (-0.4%)
After Hours:

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

3

1. VBTX Profitability Analysis

1.1 Basic Checks

  • VBTX had positive earnings in the past year.
  • 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.
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 of 0.92%. This is comparable to the rest of the industry: VBTX outperforms 55.50% of its industry peers.
  • Looking at the Return On Equity, with a value of 7.03%, VBTX is doing worse than 62.66% 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 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.
  • In the last couple of years the Profit Margin of VBTX has declined.
  • 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

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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.
  • 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.
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 comparable to the rest of the industry.
  • 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 better Debt to Equity ratio (0.09) than 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

More info and screens

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.
  • The Earnings Per Share has been growing slightly by 3.08% on average over the past years.
  • VBTX shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.65%.
  • 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.
  • The Revenue is expected to grow by 4.62% on average over the next years.
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.
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

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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 62.92% 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 26.86.
  • 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.
  • VBTX is valuated cheaply when we compare the Price/Forward Earnings ratio to 37.39, which is the current average of the S&P500 Index.
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 10 20 30

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.
  • VBTX's Dividend Yield is comparable with the industry average which is at 2.53.
  • VBTX's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
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

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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 Change0%
Ins Owners3.4%
Ins Owner Change-86.75%
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 Fundamental Analysis 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.


What is the profitability of VBTX stock?

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.


What is the expected EPS growth for VERITEX HOLDINGS INC (VBTX) stock?

The Earnings per Share (EPS) of VERITEX HOLDINGS INC (VBTX) is expected to grow by 8.94% in the next year.