VERITEX HOLDINGS INC(NASDAQ:VBTX) stock Fundamental Analysis

Fundamental Rating

VBTX gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. Both the profitability and financial health of VBTX have multiple concerns. VBTX is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

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.

In the past 5 years VBTX always reported a positive cash flow from operatings.

1.2 Ratios

VBTX's Return On Assets of 0.89% is in line compared to the rest of the industry. VBTX outperforms 55.81% of its industry peers.

With a Return On Equity value of 6.87%, VBTX is not doing good in the industry: 62.63% of the companies in the same industry are doing better.

		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 64.39% of its industry peers.

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 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.

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

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.

With a decent Debt to FCF ratio value of 1.26, VBTX is doing good in the industry, outperforming 67.42% of the companies in the same industry.

A Debt/Equity ratio of 0.10 indicates that VBTX is not too dependend on debt financing.

VBTX has a Debt to Equity ratio of 0.10. This is in the better half of the industry: VBTX outperforms 71.97% of its industry peers.

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

ROIC/WACCN/A

WACC25.54%

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

The earnings per share for VBTX have decreased by -8.94% 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 8.76%.

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

The Earnings Per Share is expected to grow by 6.77% on average over the next years.

The Revenue is expected to grow by 3.93% on average over the next years.

EPS Next Y5.3%

EPS Next 2Y6.77%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year2.39%

Revenue Next 2Y3.93%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.21, which indicates a very decent valuation of VBTX.

VBTX's Price/Earnings is on the same level as the industry average.

The average S&P500 Price/Earnings ratio is at 25.82. VBTX is valued rather cheaply when compared to this.

VBTX is valuated reasonably with a Price/Forward Earnings ratio of 9.88.

VBTX's Price/Forward Earnings is on the same level as the industry average.

VBTX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.76.

		Industry Rank	Sector Rank
PE	11.21
Fwd PE	9.88

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as VBTX.

		Industry Rank	Sector Rank
P/FCF	10.59
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)2.12

PEG (5Y)3.64

EPS Next 2Y6.77%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.50%, VBTX has a reasonable but not impressive dividend return.

VBTX's Dividend Yield is a higher than the industry average which is at 3.34.

VBTX's Dividend Yield is a higher than the S&P500 average which is at 2.36.

		Industry Rank	Sector Rank
Dividend Yield	3.5%

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

5.3 Sustainability

VBTX pays out 38.88% 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.

DP38.88%

EPS Next 2Y6.77%

EPS Next 3YN/A

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VERITEX HOLDINGS INC

NASDAQ:VBTX (5/23/2025, 9:01:42 PM)

After market: 23.98 0 (0%)

23.98

-0.08 (-0.33%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)07-21 2025-07-21/amc

Inst Owners92.68%

Inst Owner Change1.62%

Ins Owners3.25%

Ins Owner Change0.7%

Market Cap1.31B

Analysts78.33

Price Target29.92 (24.77%)

Short Float %2.16%

Short Ratio2.8

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.5%

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)-9.04%

PT rev (3m)-13.09%

EPS NQ rev (1m)1.24%

EPS NQ rev (3m)1.55%

EPS NY rev (1m)-0.58%

EPS NY rev (3m)-0.66%

Revenue NQ rev (1m)-1.37%

Revenue NQ rev (3m)-1.75%

Revenue NY rev (1m)-1.74%

Revenue NY rev (3m)-2.19%

Valuation

		Industry Rank	Sector Rank
PE	11.21
Fwd PE	9.88
P/S	3
P/FCF	10.59
P/OCF	9.63
P/B	0.8
P/tB	1.09
EV/EBITDA	N/A

EPS(TTM)2.14

EY8.92%

EPS(NY)2.43

Fwd EY10.13%

FCF(TTM)2.26

FCFY9.44%

OCF(TTM)2.49

OCFY10.38%

SpS8

BVpS29.97

TBVpS22.04

PEG (NY)2.12

PEG (5Y)3.64

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

WACC25.54%

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 Y5.3%

EPS Next 2Y6.77%

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 Year2.39%

Revenue Next 2Y3.93%

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