NAS:VBTX (USA)

Veritex Holdings Inc

$ 26.24 0.15 (0.57%)
Volume: 190,074 Avg Vol (1m): 308,582
Market Cap $: 1.42 Bil Enterprise Value $: 485.80 Mil
P/E (TTM): 20.04 P/B: 1.20
Earnings Power Value 15.1
Net Current Asset Value 0
Tangible Book 13.42
Projected FCF 19.12
Median P/S Value 26.5
Graham Number 19.89
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
YTD (-%)

Financial Strength : 4/10

GuruFocus Financial Strength Rank measures how strong a company's financial situation is . It is based on these factors
1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
Current vs industry vs history
Cash-to-Debt 1.04
Cash-To-Debt ranked higher than
55.23% of 1617 companies
in the Banks - Regional - US industry.
Industry Max: 2539500, Med: 1.43, Min: 0.01
VBTX: 1.04
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 1.04, Med: 2.9, Max: 6.17
Current: 1.04
1.04
6.17
Equity-to-Asset 0.15
Equity-to-Asset ranked higher than
88.44% of 1627 companies
in the Banks - Regional - US industry.
Industry Max: 1, Med: 0.11, Min: -11.05
VBTX: 0.15
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.1, Med: 0.14, Max: 0.18
Current: 0.15
0.1
0.18
Debt-to-Equity 0.27
Debt-to-Equity ranked higher than
84.13% of 1393 companies
in the Banks - Regional - US industry.
Industry Max: 543.58, Med: 0.68, Min: 0.01
VBTX: 0.27
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.08, Med: 0.23, Max: 0.42
Current: 0.27
0.08
0.42
Debt-to-EBITDA 1.86
Debt-to-EBITDA ranked higher than
86.94% of 1416 companies
in the Banks - Regional - US industry.
Industry Max: 2306.11, Med: 1.79, Min: 0.01
VBTX: 1.86
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: 0, Med: 0, Max: 1.86
Current: 1.86
0
1.86
Beneish M-Score -3.03
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 14.28%

Profitability & Growth : 4/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 20.70
Net Margin ranked higher than
68.64% of 1639 companies
in the Banks - Regional - US industry.
Industry Max: 10754.72, Med: 25.15, Min: -234138
VBTX: 20.7
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: 0.79, Med: 19.31, Max: 31.2
Current: 20.7
0.79
31.2
ROE % 5.60
ROE ranked lower than
64.90% of 1638 companies
in the Banks - Regional - US industry.
Industry Max: 231.61, Med: 9.79, Min: -53900
VBTX: 5.6
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: 4.15, Med: 5.71, Max: 7.72
Current: 5.6
4.15
7.72
ROA % 0.88
ROA ranked higher than
64.38% of 1645 companies
in the Banks - Regional - US industry.
Industry Max: 54.28, Med: 1.01, Min: -205.98
VBTX: 0.88
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: 0.56, Med: 0.71, Max: 1.28
Current: 0.88
0.56
1.28
3-Year Total Revenue Growth Rate 53.10
3-Year Revenue Growth Rate ranked lower than
66.69% of 1513 companies
in the Banks - Regional - US industry.
Industry Max: 672.4, Med: 4.3, Min: -100
VBTX: 14.6
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: 1.3, Med: 5.4, Max: 14.6
Current: 14.6
1.3
14.6
3-Year EPS w/o NRI Growth Rate 24.00
3-Year EPS w/o NRI Growth Rate ranked lower than
55.48% of 1359 companies
in the Banks - Regional - US industry.
Industry Max: 804.5, Med: 5.3, Min: -214.9
VBTX: 24
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 24, Max: 316
Current: 24
0
316

» VBTX's 30-Y Financials

Financials (Next Earnings Date: 2019-07-24)

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Business Description

Industry Banks » Banks - Regional - US    NAICS : 522110    SIC : 6022
Compare NAS:SBCF NAS:BUSE NYSE:BHLB NAS:STBA NAS:HTLF NYSE:FCF NAS:CHCO AMEX:PRK NAS:NBTB NAS:SASR NAS:WABC AMEX:TMP NAS:LKFN NAS:TCBK NAS:SRCE NAS:BRKL NAS:BNCL NAS:ABCB NAS:SBSI NYSE:NBHC
Traded in other countries
Address 8214 Westchester Drive, Suite 400, Dallas, TX, USA, 75225
Veritex Holdings Inc is a US-based bank holding company. It 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. In addition, it also operates a mortgage office in Dallas.

Ratios

Current vs industry vs history
PE Ratio (TTM) 20.04
PE Ratio ranked lower than
77.52% of 1557 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.36, Min: 0.02
VBTX: 20.04
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 8.96, Med: 22.59, Max: 39.28
Current: 20.04
8.96
39.28
Forward PE Ratio 10.15
Forward P/E ranked higher than
55.44% of 487 companies
in the Banks - Regional - US industry.
Industry Max: 232.56, Med: 11.17, Min: 3.33
VBTX: 10.15
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 20.04
PE without NRI ranked lower than
77.22% of 1532 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.43, Min: 0.02
VBTX: 20.04
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 8.96, Med: 22.59, Max: 39.28
Current: 20.04
8.96
39.28
Price-to-Owner-Earnings 55.60
Price-to-Owner-Earnings ranked lower than
78.36% of 989 companies
in the Banks - Regional - US industry.
Industry Max: 2862049.23, Med: 12.46, Min: 0.01
VBTX: 55.6
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 13.55, Med: 32.94, Max: 143.5
Current: 55.6
13.55
143.5
PB Ratio 1.20
PB Ratio ranked lower than
61.90% of 1651 companies
in the Banks - Regional - US industry.
Industry Max: 339397.23, Med: 1.11, Min: 0
VBTX: 1.2
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.9, Med: 1.32, Max: 1.8
Current: 1.2
0.9
1.8
PS Ratio 4.94
PS Ratio ranked lower than
86.96% of 1649 companies
in the Banks - Regional - US industry.
Industry Max: 207056.49, Med: 3.01, Min: 0.01
VBTX: 4.94
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 3.24, Med: 5, Max: 7.38
Current: 4.94
3.24
7.38
Price-to-Free-Cash-Flow 16.48
Price-to-Free-Cash-Flow ranked lower than
98.98% of 882 companies
in the Banks - Regional - US industry.
Industry Max: 2338.98, Med: 10.27, Min: 0
VBTX: 16.48
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 9.85, Med: 20.31, Max: 367.11
Current: 16.48
9.85
367.11
Price-to-Operating-Cash-Flow 14.34
Price-to-Operating-Cash-Flow ranked lower than
74.79% of 948 companies
in the Banks - Regional - US industry.
Industry Max: 1945525.29, Med: 9.19, Min: 0.01
VBTX: 14.34
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 8.35, Med: 16.27, Max: 32.25
Current: 14.34
8.35
32.25
EV-to-Revenue 2.77
EV-to-Revenue ranked lower than
88.45% of 1325 companies
in the Banks - Regional - US industry.
Industry Max: 2007.65, Med: 3.55, Min: 0.02
VBTX: 2.77
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: -1.4, Med: 3.45, Max: 7.6
Current: 2.77
-1.4
7.6

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 0.97
Trailing Dividend Yield ranked lower than
97.02% of 2587 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 2.92, Min: 0.01
VBTX: 0.97
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 0.44, Med: 0.48, Max: 0.97
Current: 0.97
0.44
0.97
Dividend Payout Ratio 0.10
Dividend Payout Ratio ranked lower than
100.00% of 1420 companies
in the Banks - Regional - US industry.
Industry Max: 186.51, Med: 0.33, Min: 0.01
VBTX: 0.1
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0, Med: 0, Max: 0.1
Current: 0.1
0
0.1
Forward Dividend Yield % 1.92
Forward Dividend Yield ranked lower than
79.04% of 2534 companies
in the Banks - Regional - US industry.
Industry Max: 98, Med: 3.16, Min: 0.01
VBTX: 1.92
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 0.97
Yield-on-Cost (5y) ranked lower than
96.88% of 2561 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 3.65, Min: 0.01
VBTX: 0.97
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 0.44, Med: 0.48, Max: 0.97
Current: 0.97
0.44
0.97
3-Year Share Buyback Rate -31.30
3-Year Share Buyback Rate ranked lower than
95.87% of 1137 companies
in the Banks - Regional - US industry.
Industry Max: 82.2, Med: -2.1, Min: -499.5
VBTX: -31.3
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -36.5, Med: -23.2, Max: -18.8
Current: -31.3
-36.5
-18.8

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.96
Price-to-Tangible-Book ranked lower than
79.09% of 1669 companies
in the Banks - Regional - US industry.
Industry Max: 359582.88, Med: 1.2, Min: 0.01
VBTX: 1.96
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 1.37, Med: 1.67, Max: 2.28
Current: 1.96
1.37
2.28
Price-to-Projected-FCF 1.37
Price-to-Intrinsic-Value-Projected-FCF ranked lower than
100.00% of 958 companies
in the Banks - Regional - US industry.
Industry Max: 460, Med: 0.76, Min: 0.01
VBTX: 1.37
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 1.04, Med: 1.16, Max: 1.38
Current: 1.37
1.04
1.38
Price-to-Median-PS-Value 0.99
Price-to-Median-PS-Value ranked lower than
59.38% of 1524 companies
in the Banks - Regional - US industry.
Industry Max: 186, Med: 1.02, Min: 0.03
VBTX: 0.99
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.71, Med: 0.96, Max: 1.4
Current: 0.99
0.71
1.4
Price-to-Graham-Number 1.32
Price-to-Graham-Number ranked lower than
84.76% of 1476 companies
in the Banks - Regional - US industry.
Industry Max: 99940.04, Med: 0.86, Min: 0
VBTX: 1.32
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.79, Med: 1.25, Max: 1.79
Current: 1.32
0.79
1.79

More Statistics

Revenue (TTM) (Mil) $ 175.62
EPS (TTM) $ 1.31
Beta 1.87
Volatility % 42.14
52-Week Range $ 20.34 - 33.08
Shares Outstanding (Mil) 54.27

Analyst Estimate

Piotroski F-Score Details