VERITEX HOLDINGS INC(NASDAQ:VBTX) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, VBTX scores 3 out of 10 in our fundamental rating. VBTX was compared to 401 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.

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1. Profitability

1.1 Basic Checks

VBTX had positive earnings in the past year.

VBTX had a positive operating cash flow in the past year.

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.

1.2 Ratios

The Return On Assets of VBTX (0.66%) is worse than 61.35% of its industry peers.

VBTX has a worse Return On Equity (5.34%) than 70.82% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

Looking at the Profit Margin, with a value of 21.62%, VBTX is in line with its industry, outperforming 46.63% of the companies in the same industry.

In the last couple of years the Profit Margin of VBTX has declined.

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)	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

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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.

VBTX has more shares outstanding than it did 1 year ago.

Compared to 5 years ago, VBTX has more shares outstanding

The debt/assets ratio for VBTX has been reduced compared to a year ago.

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.

The Debt to FCF ratio of VBTX (1.69) is better than 64.59% of its industry peers.

A Debt/Equity ratio of 0.14 indicates that VBTX is not too dependend on debt financing.

VBTX's Debt to Equity ratio of 0.14 is fine compared to the rest of the industry. VBTX outperforms 65.34% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.14
Debt/FCF	1.69
Altman-Z	N/A

ROIC/WACCN/A

WACC15.54%

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

VBTX shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -18.39%.

The Earnings Per Share has been growing slightly by 3.08% on average over the past years.

Looking at the last year, VBTX shows a small growth in Revenue. The Revenue has grown by 1.77% in the last year.

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)-18.39%

EPS 3Y-8.38%

EPS 5Y3.08%

EPS Q2Q%-15.52%

Revenue 1Y (TTM)1.77%

Revenue growth 3Y7.86%

Revenue growth 5Y6.19%

Sales Q2Q%36.6%

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 8.61% yearly.

Based on estimates for the next years, VBTX will show a small growth in Revenue. The Revenue will grow by 5.58% on average per year.

EPS Next Y5.99%

EPS Next 2Y8.61%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year4.69%

Revenue Next 2Y5.58%

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 stable: in the next years the growth will be about the same than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

VBTX is valuated reasonably with a Price/Earnings ratio of 11.77.

The rest of the industry has a similar Price/Earnings ratio as VBTX.

Compared to an average S&P500 Price/Earnings ratio of 29.71, VBTX is valued rather cheaply.

The Price/Forward Earnings ratio is 11.10, which indicates a very decent valuation of VBTX.

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

VBTX is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.34, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	11.77
Fwd PE	11.1

4.2 Price Multiples

VBTX's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. VBTX is cheaper than 67.33% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	10.04
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)1.96

PEG (5Y)3.82

EPS Next 2Y8.61%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.08%, VBTX has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.26, 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 2.30.

		Industry Rank	Sector Rank
Dividend Yield	3.08%

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

5.3 Sustainability

VBTX pays out 50.66% of its income as dividend. This is a bit on the high side, but may be sustainable.

DP50.66%

EPS Next 2Y8.61%

EPS Next 3YN/A

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VERITEX HOLDINGS INC

NASDAQ:VBTX (3/5/2025, 8:00:02 PM)

After market: 25.06 0 (0%)

25.06

-0.04 (-0.16%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-28 2025-01-28/amc

Earnings (Next)04-21 2025-04-21/amc

Inst Owners92.68%

Inst Owner Change2.26%

Ins Owners3.25%

Ins Owner Change0.13%

Market Cap1.37B

Analysts80

Price Target32.9 (31.28%)

Short Float %1.48%

Short Ratio1.82

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.08%

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)-4.44%

PT rev (3m)4.03%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-1.19%

EPS NY rev (1m)0.23%

EPS NY rev (3m)-0.29%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.26%

Revenue NY rev (1m)0.79%

Revenue NY rev (3m)0.67%

Valuation

		Industry Rank	Sector Rank
PE	11.77
Fwd PE	11.1
P/S	3.44
P/FCF	10.04
P/OCF	9.17
P/B	0.85
P/tB	1.17
EV/EBITDA	N/A

EPS(TTM)2.13

EY8.5%

EPS(NY)2.26

Fwd EY9.01%

FCF(TTM)2.5

FCFY9.96%

OCF(TTM)2.73

OCFY10.91%

SpS7.29

BVpS29.49

TBVpS21.47

PEG (NY)1.96

PEG (5Y)3.82

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC15.54%

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)-18.39%

EPS 3Y-8.38%

EPS 5Y3.08%

EPS Q2Q%-15.52%

EPS Next Y5.99%

EPS Next 2Y8.61%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)1.77%

Revenue growth 3Y7.86%

Revenue growth 5Y6.19%

Sales Q2Q%36.6%

Revenue Next Year4.69%

Revenue Next 2Y5.58%

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

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

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