Veritex Holdings, Inc.

  • Earnings Score
  • Market Cap $1.34B
  • PE 12
  • Debt -
  • Cash $849.79M
  • EV -
  • FCF -

Earnings

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Sales & Net Margins

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Earnings$112.16M
EBIT$145.19M
ROE7%
ROA1%
Equity$1.63B
Growth Stability82%
PE11.98
PEG4.31
PB0.82
Price/Cash0.63
Earnings CAGR35%
FCF CAGR9%
Equity CAGR32%
Earnings Stability0.76
Earnings Growth YoY20%
Earnings Growth QoQ17%
Earnings CAGR 5Y3%
FCF CAGR 5Y1%
Equity CAGR 5Y7%
FCF CAGR 3Y-0%
Equity CAGR 3Y5%
Market Cap$1.34B
Dividend Yield3%
Payout Ratio39%
Assets$12.61B
Cash$849.79M
Shares Outstanding54.49M
Earnings Score93%
Shares Growth 3y1%
Equity Growth QoQ2%
Equity Growth YoY6%

Assets & ROA

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Stockholders Equity & ROE

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Veritex Holdings Inc is engaged in the provision of commercial banking products and services to small to medium-sized businesses and professionals. The bank provides a range of banking services to individual and corporate customers, which include commercial and retail lending, and the acceptance of checking and savings deposits. It offers a suite of online banking solutions, including access to account balances, online transfers, online bill payment and electronic delivery of customer statements, as well as automated teller machines, and banking by telephone, mail and personal appointment. The company's primary sources of revenue are derived from interest and dividends earned on loans, debt and equity securities and other financial instruments.

SEC Filings

Direct access to Veritex Holdings, Inc. (VBTX) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

  • 2025
    • 10-Q Mar 31
  • 2024
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31
  • 2023
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31

Sector Comparison

How does Veritex Holdings, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Veritex Holdings, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 35%
Stability 76%
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Veritex Holdings, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Veritex Holdings, Inc..

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fcf$0$0$0$0$0$0$0$0$0$0$0$0
DCF$0$0$0$0$0$0$0$0$0$0$0
Value$0

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years12/201512/201612/201712/201812/201912/202012/202112/202212/202312/2024TTM
Net Margins-----------
ROA-2%1%3%3%2%2%2%1%1%1%
ROE-5%3%7%8%6%11%10%7%7%7%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years12/201512/201612/201712/201812/201912/202012/202112/202212/202312/2024TTM
Debt over FCF-----------
Debt over Equity-----------
Growth Stability---100%100%100%100%100%90%82%82%

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years12/201512/201612/201712/201812/201912/202012/202112/202212/202312/2024CAGR 5Y
Revenue YoY growth-----------
Earnings YoY growth-44%20%160%131%-19%89%5%-26%-1%3%
Equity YoY growth-81%104%9%124%1%9%10%6%5%7%
FCF YoY growth--30%-245%-426%112%9%72%5%-24%-1%