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VERITEX HOLDINGS INC (VBTX) Stock Fundamental Analysis

NASDAQ:VBTX - Nasdaq - US9234511080 - Common Stock - Currency: USD

26.12  -0.68 (-2.54%)

After market: 26.12 0 (0%)

Fundamental Rating

3

Overall VBTX gets a fundamental rating of 3 out of 10. We evaluated VBTX against 405 industry peers in the Banks industry. VBTX has a bad profitability rating. Also its financial health evaluation is rather negative. VBTX is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

VBTX had positive earnings in the past year.
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 4 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.66%, VBTX is doing worse than 61.31% of the companies in the same industry.
Looking at the Return On Equity, with a value of 5.34%, VBTX is doing worse than 71.86% of the companies in the same industry.
Industry RankSector Rank
ROA 0.66%
ROE 5.34%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

VBTX has a Profit Margin of 21.62%. This is comparable to the rest of the industry: VBTX outperforms 46.98% 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) 21.62%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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3

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.
The number of shares outstanding for VBTX has been increased compared to 5 years ago.
Compared to 1 year ago, VBTX has an improved debt to assets ratio.
VBTX Yearly Shares OutstandingVBTX Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 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 1.69. This is a very positive value and a sign of high solvency as it would only need 1.69 years to pay back of all of its debts.
VBTX's Debt to FCF ratio of 1.69 is fine compared to the rest of the industry. VBTX outperforms 64.07% of its industry peers.
VBTX has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.14, VBTX is in the better half of the industry, outperforming 64.82% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.69
Altman-Z N/A
ROIC/WACCN/A
WACC15.93%
VBTX Yearly LT Debt VS Equity VS FCFVBTX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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4

3. Growth

3.1 Past

VBTX shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -16.48%.
The Earnings Per Share has been growing slightly by 3.56% on average over the past years.
The Revenue has been growing slightly by 1.77% in the past year.
The Revenue has been growing slightly by 6.19% on average over the past years.
EPS 1Y (TTM)-16.48%
EPS 3Y-7.67%
EPS 5Y3.56%
EPS Q2Q%-6.9%
Revenue 1Y (TTM)1.77%
Revenue growth 3Y7.86%
Revenue growth 5Y6.19%
Sales Q2Q%36.61%

3.2 Future

Based on estimates for the next years, VBTX will show a small growth in Earnings Per Share. The EPS will grow by 7.87% on average per year.
Based on estimates for the next years, VBTX will show a small growth in Revenue. The Revenue will grow by 5.59% on average per year.
EPS Next Y3.33%
EPS Next 2Y7.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.87%
Revenue Next 2Y5.59%
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 stable.
VBTX Yearly Revenue VS EstimatesVBTX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.98, the valuation of VBTX can be described as reasonable.
63.57% of the companies in the same industry are more expensive than VBTX, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 28.36, VBTX is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 11.60, the valuation of VBTX can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of VBTX is on the same level as its industry peers.
VBTX is valuated cheaply when we compare the Price/Forward Earnings ratio to 92.49, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.98
Fwd PE 11.6
VBTX Price Earnings VS Forward Price EarningsVBTX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, VBTX is valued a bit cheaper than 64.82% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.46
EV/EBITDA N/A
VBTX Per share dataVBTX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

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)3.6
PEG (5Y)3.36
EPS Next 2Y7.87%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

VBTX has a Yearly Dividend Yield of 2.99%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.15, VBTX has a dividend in line with its industry peers.
VBTX's Dividend Yield is a higher than the S&P500 average which is at 2.28.
Industry RankSector Rank
Dividend Yield 2.99%

5.2 History

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)N/A
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

5.3 Sustainability

50.66% of the earnings are spent on dividend by VBTX. This is a bit on the high side, but may be sustainable.
DP50.66%
EPS Next 2Y7.87%
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 2015 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

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VERITEX HOLDINGS INC

NASDAQ:VBTX (2/3/2025, 6:24:52 PM)

After market: 26.12 0 (0%)

26.12

-0.68 (-2.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28 2025-01-28/amc
Earnings (Next)N/A N/A
Inst Owners89.97%
Inst Owner Change-0.76%
Ins Owners3.48%
Ins Owner Change-0.6%
Market Cap1.42B
Analysts80
Price Target34.42 (31.78%)
Short Float %3.4%
Short Ratio4.49
Dividend
Industry RankSector Rank
Dividend Yield 2.99%
Yearly Dividend0.8
Dividend Growth(5Y)N/A
DP50.66%
Div Incr Years0
Div Non Decr Years5
Ex-Date02-14 2025-02-14 (0.2)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0%
Min EPS beat(2)-4.53%
Max EPS beat(2)4.54%
EPS beat(4)1
Avg EPS beat(4)-4.13%
Min EPS beat(4)-8.53%
Max EPS beat(4)4.54%
EPS beat(8)2
Avg EPS beat(8)-6.37%
EPS beat(12)4
Avg EPS beat(12)-4.72%
EPS beat(16)6
Avg EPS beat(16)-2.36%
Revenue beat(2)1
Avg Revenue beat(2)-1.37%
Min Revenue beat(2)-3.39%
Max Revenue beat(2)0.65%
Revenue beat(4)1
Avg Revenue beat(4)-9.66%
Min Revenue beat(4)-31.13%
Max Revenue beat(4)0.65%
Revenue beat(8)1
Avg Revenue beat(8)-6.42%
Revenue beat(12)3
Avg Revenue beat(12)-4.97%
Revenue beat(16)7
Avg Revenue beat(16)-3.32%
PT rev (1m)1.5%
PT rev (3m)17.73%
EPS NQ rev (1m)-1.19%
EPS NQ rev (3m)-1.19%
EPS NY rev (1m)-0.37%
EPS NY rev (3m)-0.37%
Revenue NQ rev (1m)-0.26%
Revenue NQ rev (3m)-0.26%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)-0.07%
Valuation
Industry RankSector Rank
PE 11.98
Fwd PE 11.6
P/S 3.58
P/FCF 10.46
P/OCF 9.55
P/B 0.88
P/tB 1.22
EV/EBITDA N/A
EPS(TTM)2.18
EY8.35%
EPS(NY)2.25
Fwd EY8.62%
FCF(TTM)2.5
FCFY9.56%
OCF(TTM)2.73
OCFY10.47%
SpS7.29
BVpS29.52
TBVpS21.49
PEG (NY)3.6
PEG (5Y)3.36
Profitability
Industry RankSector Rank
ROA 0.66%
ROE 5.34%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.62%
GM N/A
FCFM 34.25%
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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.69
Debt/EBITDA N/A
Cap/Depr 68.94%
Cap/Sales 3.26%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 158.47%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC15.93%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-16.48%
EPS 3Y-7.67%
EPS 5Y3.56%
EPS Q2Q%-6.9%
EPS Next Y3.33%
EPS Next 2Y7.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.77%
Revenue growth 3Y7.86%
Revenue growth 5Y6.19%
Sales Q2Q%36.61%
Revenue Next Year3.87%
Revenue Next 2Y5.59%
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-23.99%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-17.86%
OCF growth 3YN/A
OCF growth 5YN/A