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VBTX stock logo

VBTX

Veritex Holdings, Inc.

$30.26
0.3
 (1%)
Exchange:  
Market Cap:  1.657B
Shares Outstanding:  9.1M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Charles Malcolm Holland III
Full Time Employees:  858
Address: 
8214 Westchester Drive
Dallas
TX
75225
US
Website:  https://www.veritexbank.com
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.

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Revenue Segmentation

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EPS

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Earnings Call

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Earnings transcript

Read the complete earnings call transcript.

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Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/04/23 — 1 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202220232024
Revenue422,620377,748757,216
Gross Profit422,620377,748757,216
EBITDA205,30200
Operating Income262,198174,873725,880
Net Income146,315108,261107,241

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(* All numbers are in thousands)

Balance Sheet

Year202220232024
Total Assets12,154,36112,394,33712,768,341
Total Liabilities10,704,58810,863,01411,167,272
Total Stockholders Equity1,449,7731,531,3231,601,069
Total Debt1,403,775329,783230,736
Cash and Cash Equivalents436,077629,063855,200

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Cash Flow Statement

Year202220232024
Operating Cash Flow192,726144,087136,379
Capital Expenditure-4,620-1,854-12,554
Free Cash Flow188,106142,233123,825
Net Income146,315108,261107,241
Net Change in Cash56,293192,986226,137

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Analyst Estimates

Fiscal Year2026Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)470,886.926Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)485,913.073Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)478,400Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)152,203.609Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)157,060.473Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)154,632.041Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)127,870.231Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)141,769.109Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)129,925Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)103,532.259Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)106,836.006Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)105,184.133Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)2.400Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)2.580Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)2.330Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)3Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
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796.179M  ?P/S
 (TTM)
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?Net Income
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Forward P/E Ratios

?

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Forward P/E 1YFull AccessFull AccessFull AccessFull Access
N/AFull AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates VBTX intrinsic value between $27.85 – $33.15 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate VBTX Intrinsic Value

Common questions about VBTX valuation

Is VBTX (VBTX) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for VBTX (VBTX) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is VBTX a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether VBTX trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is VBTX’s P/E ratio?

You can see VBTX’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for VBTX?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is VBTX a good long-term investment?

Whether VBTX fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

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