Veritex Holdings, Inc.

Finance
Major Banks
www.veritexbank.com

Earnings Score

Market Cap $1.66B
PE 19
Debt $NaN
Cash $1.10B
EV $NaN
FCF $NaN

Earnings

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Sales & Net Margins

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Earnings	$85.86M
EBIT	$115.39M
ROE	5%
ROA	1%
Equity	$1.61B
Growth Stability	90%
PE	19.3
PEG	3.24
PB	1.03
Price/Cash	0.66
Earnings CAGR	40%
FCF CAGR	13%
Equity CAGR	36%
Earnings Stability	0.83
Earnings Growth YoY	-5%
Earnings Growth QoQ	14%

Earnings CAGR 5Y	6%
FCF CAGR 5Y	2%
Equity CAGR 5Y	8%
FCF CAGR 3Y	-1%
Equity CAGR 3Y	5%
Market Cap	$1.66B
Dividend Yield	3%
Payout Ratio	51%
Assets	$13.04B
Cash	$1.10B
Shares Outstanding	54.41M
Earnings Score	94%
Shares Growth 3y	3%
Equity Growth QoQ	4%
Equity Growth YoY	8%

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.

2024
- 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
2022
- 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 40%

Stability 83%

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Veritex Holdings, Inc. Discounted Cash Flow

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

Years

Calculation mode

	0	1	2	3	4	5	6	7	8	9	10	TV
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.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	-	-	-	-	-	-	-	-	-	-	-
ROA	-	2%	2%	1%	3%	3%	2%	2%	2%	1%	1%
ROE	-	7%	5%	3%	7%	8%	6%	11%	10%	7%	5%

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.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	-	-	-	-	-	-	-	-	-	-
Debt over Equity	-	-	-	-	-	-	-	-	-	-	-
Growth Stability	-	-	-	100%	100%	100%	100%	100%	100%	90%	90%

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Neutral Debt/Equity ratio (-)

The company has a balance between equity and debt that is not too good nor too bad.

Good Graham’s Stability (90%)

The company has a good stability in its earnings, which is a sign of a good competitive advantage.

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.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	-	-	-	-	-	-	-	-	-	-
Earnings YoY growth	-	70%	44%	20%	160%	131%	-19%	89%	5%	-26%	6%
Equity YoY growth	-	17%	81%	104%	9%	124%	1%	9%	10%	6%	8%
FCF YoY growth	-	-137K%	-30%	-245%	-426%	112%	9%	72%	5%	-24%	2%