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Veritex Holdings, Inc. (VBTX)
Key financial summary
Financials in USD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 315 | 313 | 333 | 423 | 449 | 426 | 439 |
| Operating profit | $m | 139 | 149 | |||||
| Net profit | $m | 91 | 74 | 140 | 146 | 108 | 107 | 116 |
| EPS reported | $ | 1.95 | 2.10 | |||||
| Operating cashflow per share | $ | 2.50 | 1.31 | |||||
| Capex per share | $ | 0.23 | 0.10 | |||||
| FCF per share | $ | 2.27 | 1.20 | |||||
| Free cash flow | $m | 124 | 105 | |||||
| Net debt | $m | -1,642 | 258 | |||||
| Book value equity | $m | 1,601 | 1,649 | |||||
| Book value per share | $ | 29.13 | 30.02 | |||||
| Number of shares | m | 54.96 | 54.94 | |||||
| DPS (TTM paid) | $ | 0.80 | 0.22 |
Financial summary
Financials in USD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 13.93 | - | |||||
| P/B LTM | x | 0.92 | 1.00 | |||||
| P/S LTM | x | 3.47 | 3.77 | |||||
| P/FCF LTM | x | 11.94 | 15.71 | |||||
| EV/EBITDA LTM | x | 5.39 | 11.35 | |||||
| EV/Sales LTM | x | 1.07 | 4.36 | |||||
| Earnings Yield LTM | % | 7.18% | 3.65% | |||||
| FCF Yield | % | 8.37% | 6.37% | |||||
| Quality | ||||||||
| ROE | % | 6.70% | 3.65% | |||||
| ROIC | % | 5.32% | -0.61% | |||||
| Operating margin | % | 17.43% | 20.45% | |||||
| Gross margin | % | 50.84% | 56.42% | |||||
| FCF/Sales | % | 15.52% | 17.34% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | -1.52% | +31.25% | |||||
| Sales Growth YoY | % | -5.16% | +3.93% | |||||
| Net Income Growth YoY | % | -0.94% | +32.44% | |||||
| FCF Growth | % | -12.94% | -17.34% | |||||
| Operating Profit Growth | % | -3.67% | +26.19% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 2.95% | 0.73% | |||||
| Dividend Growth | % | 0.00% | - | |||||
| Payout Ratio | % | 40.64% | 38.61% | |||||
| FCF/Debt | x | 0.54 | 0.32 | |||||
| Net Debt/EBITDA | x | -3.94 | 2.99 | |||||
| EBIT/Net interest | x | 0.37 | 0.49 | |||||
| Net debt/market cap | % | -111.03% | 15.60% | |||||
| Net debt/Equity | x | -1.03 | 0.16 | |||||
| Gross debt/equity | x | 0.14 | 0.20 | |||||
Company overview
Veritex Holdings, Inc. serves as the parent entity for Veritex Community Bank, a financial institution specializing in a broad spectrum of commercial banking services. The bank primarily caters to the needs of small to medium-sized businesses and various professionals. Its deposit offerings encompass demand accounts, savings accounts, money market accounts, and certificates of deposit (time accounts). The comprehensive loan portfolio covers financing for commercial real estate, general business operations, mortgage warehouse lending, residential real estate, construction and land development, agricultural ventures (including farmland), and consumer loans. Additionally, the bank participated in the Paycheck Protection Program and extended loans for 1-4 family residential units, multi-family residential projects, and purchased receivables financing. Beyond lending and deposits, Veritex Holdings, Inc. provides interest rate swap services and a robust suite of digital banking features. These include secure online access to account balances, electronic funds transfers, online bill payment, and paperless customer statements, alongside ATM access and mobile banking applications. Clients can also conduct banking through mail or by scheduling personal appointments. Further services include debit cards, convenient night depository options, direct deposit facilities, cashier's checks, and letters of credit. The company offers extensive treasury management solutions, featuring balance reporting, inter-account transfers, wire transfer initiation, automated clearinghouse (ACH) origination, and stop payment services. Its cash management deposit products and services comprise lockbox solutions, remote deposit capture, positive pay, reverse positive pay, account reconciliation services, zero balance accounts, and sweep accounts. As of December 31, 2021, Veritex Holdings, Inc. operated 18 full-service branches across the Dallas-Fort Worth metroplex, complemented by an additional 10 full-service branches situated in the Houston metropolitan area. The company was founded in 2009 and is headquartered in Dallas, Texas.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Veritex Holdings, Inc. (VBTX)
Veritex Holdings, Inc. serves as the parent entity for Veritex Community Bank, a financial institution specializing in a broad spectrum of commercial banking services. The bank primarily caters to the needs of small to medium-sized businesses and various professionals. Its deposit offerings encompass demand accounts, savings accounts, money market accounts, and certificates of deposit (time accounts). The comprehensive loan portfolio covers financing for commercial real estate, general business operations, mortgage warehouse lending, residential real estate, construction and land development, agricultural ventures (including farmland), and consumer loans. Additionally, the bank participated in the Paycheck Protection Program and extended loans for 1-4 family residential units, multi-family residential projects, and purchased receivables financing. Beyond lending and deposits, Veritex Holdings, Inc. provides interest rate swap services and a robust suite of digital banking features. These include secure online access to account balances, electronic funds transfers, online bill payment, and paperless customer statements, alongside ATM access and mobile banking applications. Clients can also conduct banking through mail or by scheduling personal appointments. Further services include debit cards, convenient night depository options, direct deposit facilities, cashier's checks, and letters of credit. The company offers extensive treasury management solutions, featuring balance reporting, inter-account transfers, wire transfer initiation, automated clearinghouse (ACH) origination, and stop payment services. Its cash management deposit products and services comprise lockbox solutions, remote deposit capture, positive pay, reverse positive pay, account reconciliation services, zero balance accounts, and sweep accounts. As of December 31, 2021, Veritex Holdings, Inc. operated 18 full-service branches across the Dallas-Fort Worth metroplex, complemented by an additional 10 full-service branches situated in the Houston metropolitan area. The company was founded in 2009 and is headquartered in Dallas, Texas.
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