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Veritex Holdings, Inc. VBTX
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 24.3
0.538 %
$ 1.32 B
Market Cap
11.91
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one VBTX stock under the worst case scenario is HIDDEN Compared to the current market price of 24.3 USD, Veritex Holdings, Inc. is HIDDEN

VBTX Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one VBTX stock under the base case scenario is HIDDEN Compared to the current market price of 24.3 USD, Veritex Holdings, Inc. is HIDDEN

VBTX Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one VBTX stock under the best case scenario is HIDDEN Compared to the current market price of 24.3 USD, Veritex Holdings, Inc. is HIDDEN

VBTX Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart VBTX

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1M --%
6M -14.0%
1Y 21%
3Y -11%
5Y 75%
All
$28.0$28.0$27.0$27.0$26.0$26.0$25.0$25.0$24.0$24.0$23.0$23.0$22.0$22.0$21.0$21.0$20.0$20.0Jan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 Jun
FINANCIALS
798 M REVENUE
2.71%
Growth Rates
1Year 2.71%
3Years 29.28%
5Years 14.30%
7Years 37.21%
10Years 38.48%
139 M OPERATING INCOME
-3.67%
Growth Rates
1Year -3.67%
3Years -7.62%
5Years 3.71%
7Years 25.60%
10Years 33.19%
107 M NET INCOME
-0.94%
Growth Rates
1Year -0.94%
3Years -8.41%
5Years 3.40%
7Years 32.26%
10Years 35.33%
136 M OPERATING CASH FLOW
-5.35%
Growth Rates
1Year -5.35%
3Years -11.01%
5Years 5.58%
7Years 26.26%
10Years 50.86%
-181 M INVESTING CASH FLOW
-280.43%
Growth Rates
1Year -280.43%
3Years 39.51%
5Years -31.28%
7Years -5.42%
10Years -4.47%
270 M FINANCING CASH FLOW
180.57%
Growth Rates
1Year 180.57%
3Years -29.50%
5Years 19.83%
7Years 55.24%
10Years 7.51%
188 M REVENUE
-3.47%
Growth Rates
1Year 2.71%
3Years 29.28%
5Years 14.30%
7Years 37.21%
10Years 38.48%
37.6 M OPERATING INCOME
13.57%
Growth Rates
1Year -3.67%
3Years -7.62%
5Years 3.71%
7Years 25.60%
10Years 33.19%
29.1 M NET INCOME
16.83%
Growth Rates
1Year -0.94%
3Years -8.41%
5Years 3.40%
7Years 32.26%
10Years 35.33%
43.6 M OPERATING CASH FLOW
757.27%
Growth Rates
1Year -5.35%
3Years -11.01%
5Years 5.58%
7Years 26.26%
10Years 50.86%
135 M INVESTING CASH FLOW
151.20%
Growth Rates
1Year -280.43%
3Years 39.51%
5Years -31.28%
7Years -5.42%
10Years -4.47%
-184 M FINANCING CASH FLOW
37.22%
Growth Rates
1Year 180.57%
3Years -29.50%
5Years 19.83%
7Years 55.24%
10Years 7.51%
Balance Sheet Veritex Holdings, Inc.
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Current Assets 1.87 B
Cash & Short-Term Investments 1.87 B
Receivables 0
Other Current Assets 0
Non-Current Assets 10.9 B
Long-Term Investments 9.97 B
PP&E 113 M
Other Non-Current Assets 816 M
14.67 %78.05 %6.39 %Total Assets$12.8b
Current Liabilities 10.8 B
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 10.8 B
Non-Current Liabilities 415 M
Long-Term Debt 231 M
Other Non-Current Liabilities 184 M
96.29 %Total Liabilities$11.2b
EFFICIENCY
Earnings Waterfall Veritex Holdings, Inc.
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Revenue 798 M
Cost Of Revenue 392 M
Gross Profit 406 M
Operating Expenses 267 M
Operating Income 139 M
Other Expenses 31.7 M
Net Income 107 M
800m800m700m700m600m600m500m500m400m400m300m300m200m200m100m100m00798m(392m)406m(267m)139m(32m)107mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
50.84% GROSS MARGIN
50.84%
Averages
1Year 50.84%
3Years 60.42%
5Years 67.98%
7Years 69.75%
10Years 74.40%
17.43% OPERATING MARGIN
17.43%
Averages
1Year 17.43%
3Years 24.26%
5Years 28.88%
7Years 29.27%
10Years 30.65%
13.45% NET MARGIN
13.45%
Averages
1Year 13.45%
3Years 18.74%
5Years 22.81%
7Years 23.06%
10Years 22.52%
6.70% ROE
6.70%
Averages
1Year 6.70%
3Years 7.95%
5Years 8.12%
7Years 7.95%
10Years 7.07%
0.84% ROA
0.84%
Averages
1Year 0.84%
3Years 0.97%
5Years 1.04%
7Years 1.08%
10Years 0.98%
5.32% ROIC
5.32%
Averages
1Year 5.32%
3Years 5.14%
5Years 4.91%
7Years 5.12%
10Years 4.76%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Veritex Holdings, Inc.
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200m200m150m150m100m100m50m50m00(50m)(50m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 107 M
Depreciation & Amortization 19.7 M
Capital Expenditures -12.6 M
Stock-Based Compensation 12.4 M
Change in Working Capital -1.84 M
Others -12 M
Free Cash Flow 124 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Veritex Holdings, Inc.
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Wall Street analysts predict an average 1-year price target for VBTX of $30 , with forecasts ranging from a low of $28 to a high of $33 .
VBTX Lowest Price Target Wall Street Target
28 USD 15.23%
VBTX Average Price Target Wall Street Target
30 USD 23.46%
VBTX Highest Price Target Wall Street Target
33 USD 35.80%
Price
Max Price Target
Min Price Target
Average Price Target
343432323030282826262424222220201818Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26
4. DIVIDEND ANALYSIS
0.80% DIVIDEND YIELD
0.22 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.9000.9000.8000.8000.7000.7000.6000.6000.5000.5000.4000.4000.3000.3000.2000.2000.1000.1000.0000.0000.1250.170.170.20.20.20.20.1250.170.170.20.20.20.220.1250.170.20.20.20.20.1250.500.170.680.20.740.20.800.20.800.20.800.4220192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 19
6. Ownership
Insider Ownership Veritex Holdings, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
1.09 M USD 2
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Veritex Holdings, Inc. (VBTX) Q1 2025 Earnings Call Transcript Veritex Holdings, Inc. (NASDAQ:VBTX ) Q1 2025 Earnings Conference Call April 23, 2025 9:30 AM ET Company Participants Will Holford - Director, Strategic Corporate Development Malcolm Holland - Chief Executive Officer Curtis Anderson - Chief Credit Officer Terry Earley - Chief Financial Officer Conference Call Participants Brett Rabatin - Hovde Group, LLC Stephen Scouten - Piper Sandler Companies Michael Rose - Raymond James Financial, Inc. Catherine Mealor - Keefe, Bruyette & Woods, Inc. Gary Tenner - D. A. Davidson & Co. Matt Olney - Stephens Inc. Operator Good morning, and welcome to the Veritex Holdings First Quarter 2025 Earnings Conference Call and Webcast. seekingalpha.com - 2 months ago
Compared to Estimates, Veritex Holdings (VBTX) Q1 Earnings: A Look at Key Metrics Although the revenue and EPS for Veritex Holdings (VBTX) give a sense of how its business performed in the quarter ended March 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 2 months ago
Veritex Holdings (VBTX) Q1 Earnings Beat Estimates Veritex Holdings (VBTX) came out with quarterly earnings of $0.54 per share, beating the Zacks Consensus Estimate of $0.51 per share. This compares to earnings of $0.53 per share a year ago. zacks.com - 2 months ago
Veritex Holdings, Inc. Reports First Quarter 2025 Operating Results DALLAS, April 22, 2025 (GLOBE NEWSWIRE) -- Veritex Holdings, Inc. (“Veritex”, the “Company”, “we” or “our”) (Nasdaq: VBTX), the holding company for Veritex Community Bank, today announced the results for the quarter ended March 31, 2025. globenewswire.com - 2 months ago
Veritex Holdings, Inc. Declares Cash Dividend on Common Stock DALLAS, April 22, 2025 (GLOBE NEWSWIRE) -- Veritex Holdings, Inc. (Nasdaq: VBTX) (“Veritex” or the “Company”), the parent holding company for Veritex Community Bank, today announced the declaration of a quarterly cash dividend of $0.22 per share on its outstanding common stock. The dividend will be paid on or after May 22, 2025 to shareholders of record as of May 8, 2025. globenewswire.com - 2 months ago
Veritex Holdings, Inc. Announces Dates of First Quarter 2025 Earnings Release and Conference Call DALLAS, April 08, 2025 (GLOBE NEWSWIRE) -- Veritex Holdings, Inc. (Nasdaq: VBTX) (“Veritex” or "the Company”), the parent holding company for Veritex Community Bank, today announced that it plans to release its first quarter 2025 results after the close of the market on Tuesday, April 22, 2025. The earnings release will be available on the Company's website, https://ir.veritexbank.com/. The Company will also host an investor conference call to review the results on Wednesday, April 23, 2025 at 8:30 a.m. Central Time. globenewswire.com - 2 months ago
Veritex Holdings, Inc. Announces Extension of Stock Buyback Program DALLAS, March 31, 2025 (GLOBE NEWSWIRE) -- Veritex Holdings, Inc. (Nasdaq: VBTX) (“Veritex” or "the Company”), the parent holding company for Veritex Community Bank, today announced that its Board of Directors (the "Board") authorized the extension of the stock buyback program (the "Stock Buyback Program") through March 31, 2026, pursuant to which the Company is authorized to purchase up to $50.0 million shares of the Company's outstanding common stock. To date, the Company has repurchased 555,016 shares, or $13.1 million under the Stock Buyback Program. globenewswire.com - 2 months ago
Veritex Holdings, Inc. (VBTX) Q4 2024 Earnings Call Transcript Veritex Holdings, Inc. (NASDAQ:VBTX ) Q4 2024 Earnings Conference Call January 29, 2025 9:30 AM ET Company Participants Will Holford - Director, Strategic Corporate Development Malcolm Holland - Chairman and Chief Executive Officer Curtis Anderson - Chief Credit Officer Terry Earley - Chief Financial Officer Conference Call Participants Stephen Scouten - Piper Sandler Matt Olney - Stephens Mark Shutley - KBW Tim Mitchell - Raymond James Ahmad Hasan - D.A. Davidson Operator Good morning and welcome to the Veritex Holdings Fourth Quarter and Full Year 2024 Earnings Conference Call and Webcast. seekingalpha.com - 4 months ago
Veritex Holdings (VBTX) Reports Q4 Earnings: What Key Metrics Have to Say The headline numbers for Veritex Holdings (VBTX) give insight into how the company performed in the quarter ended December 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 4 months ago
Veritex Holdings (VBTX) Lags Q4 Earnings and Revenue Estimates Veritex Holdings (VBTX) came out with quarterly earnings of $0.54 per share, missing the Zacks Consensus Estimate of $0.56 per share. This compares to earnings of $0.58 per share a year ago. zacks.com - 4 months ago
Veritex Holdings, Inc. Declares Cash Dividend on Common Stock DALLAS, Jan. 28, 2025 (GLOBE NEWSWIRE) -- Veritex Holdings, Inc. (Nasdaq: VBTX) (“Veritex” or the “Company”), the parent holding company for Veritex Community Bank, today announced the declaration of a quarterly cash dividend of $0.20 per share on its outstanding common stock. The dividend will be paid on or after February 28, 2025 to shareholders of record as of February 14, 2025. globenewswire.com - 4 months ago
Veritex Holdings, Inc. Reports Fourth Quarter and Full Year 2024 Results DALLAS, Jan. 28, 2025 (GLOBE NEWSWIRE) -- Veritex Holdings, Inc. (“Veritex”, the “Company”, “we” or “our”) (Nasdaq: VBTX), the holding company for Veritex Community Bank, today announced the results for the fourth quarter and full year of 2024. globenewswire.com - 4 months ago
8. Profile Summary

Veritex Holdings, Inc. VBTX

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 1.32 B
Dividend Yield 0.80%
Description Veritex Holdings, Inc. operates as the bank holding company for Veritex Community Bank that provides various commercial banking products and services to small and medium-sized businesses, and professionals. The company accepts deposit products include demand, savings, money market, and time accounts. Its loan products include commercial real estate and general commercial, mortgage warehouse loans, residential real estate, construction and land, farmland, consumer, paycheck protection program, 1-4 family residential, agricultural, multi-family residential, and consumer loans, as well as purchased receivables financing. The company also provides interest rate swap services; and a range of online banking solutions, such as access to account balances, online transfers, online bill payment and electronic delivery of customer statements, and ATMs, as well as mobile banking, mail, and personal appointment. In addition, it offers debit cards, night depository services, direct deposits, cashier's checks, and letters of credit; treasury management services, including balance reporting, transfers between accounts, wire transfer initiation, automated clearinghouse origination, and stop payments; and cash management deposit products and services consisting of lockbox, remote deposit capture, positive pay, reverse positive pay, account reconciliation services, zero balance accounts, and sweep accounts. As of December 31, 2021, the company operated 18 full-service branches located in the Dallas-Fort Worth metroplex, and 10 full-service branches in the Houston metropolitan area. Veritex Holdings, Inc. was incorporated in 2009 and is headquartered in Dallas, Texas.
Contact 8214 Westchester Drive, Dallas, TX, 75225 https://www.veritexbank.com
IPO Date Oct. 9, 2014
Employees 858
Officers Ms. LaVonda Renfro Senior Executive Vice President Mr. Dominic Karaba Senior Executive Vice President Mr. Charles Malcolm Holland III President, Chief Executive Officer & Chairman Mr. Curtis L. Anderson Senior EVice President & Chief Credit Officer Ms. Angela Harper Senior Executive Vice President Mr. Philip A. Donnelly Senior Executive Vice President Mr. William L. Holford Director of Strategic Corporate Development Mr. Terry S. Earley CPA Senior EVice President & Chief Financial Officer Ms. Susan Caudle Executive Assistant & Shareholder Relations Ms. Cara McDaniel Senior Executive Vice President