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Veritex Holdings Inc (VBTX)



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Upturn Advisory Summary
08/14/2025: VBTX (3-star) is a STRONG-BUY. BUY since 65 days. Profits (30.90%). Updated daily EoD!
1 Year Target Price $33.2
1 Year Target Price $33.2
2 | Strong Buy |
2 | Buy |
2 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 24.49% | Avg. Invested days 38 | Today’s Advisory Regular Buy |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.77B USD | Price to earnings Ratio 15.43 | 1Y Target Price 33.2 |
Price to earnings Ratio 15.43 | 1Y Target Price 33.2 | ||
Volume (30-day avg) 6 | Beta 1.06 | 52 Weeks Range 20.03 - 33.45 | Updated Date 08/15/2025 |
52 Weeks Range 20.03 - 33.45 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 2.60% | Basic EPS (TTM) 2.1 |
Earnings Date
Report Date 2025-07-18 | When Before Market | Estimate 0.54 | Actual 0.56 |
Profitability
Profit Margin 27.29% | Operating Margin (TTM) 39.27% |
Management Effectiveness
Return on Assets (TTM) 0.92% | Return on Equity (TTM) 7.25% |
Valuation
Trailing PE 15.43 | Forward PE - | Enterprise Value 1349082752 | Price to Sales(TTM) 4.18 |
Enterprise Value 1349082752 | Price to Sales(TTM) 4.18 | ||
Enterprise Value to Revenue 4.78 | Enterprise Value to EBITDA - | Shares Outstanding 54745500 | Shares Floating 52419883 |
Shares Outstanding 54745500 | Shares Floating 52419883 | ||
Percent Insiders 4.02 | Percent Institutions 90.89 |
Upturn AI SWOT
Veritex Holdings Inc

Company Overview
History and Background
Veritex Holdings, Inc. was founded in 2010 and is headquartered in Dallas, Texas. It operates as the bank holding company for Veritex Community Bank. The bank focuses on providing a range of banking products and services to small to medium-sized businesses and individuals.
Core Business Areas
- Commercial Lending: Provides loans to businesses for various purposes including working capital, equipment, and real estate.
- Retail Banking: Offers traditional banking services to individuals, including checking and savings accounts, and personal loans.
- Treasury Management: Provides treasury management services to businesses, including cash management, online banking, and payment processing.
- Mortgage Lending: Offers mortgage loans for residential properties.
Leadership and Structure
Malcolm Holland serves as the Chairman and CEO. The organizational structure consists of executive management overseeing various divisions including commercial lending, retail banking, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, targeting small to medium-sized businesses. Market share is difficult to pinpoint exactly, but Veritex competes with other regional and national banks. Competitors include Frost Bank, Prosperity Bancshares, and various credit unions. No specific data is reported on just this line of business. Veritex derives a considerable part of their revenue from this area.
- Commercial and Industrial (C&I) Loans: Loans to businesses for working capital and other operating needs. Competitors are like those for commercial real estate loans. Again, no specific market share data, but this represents a substantial portion of the loan portfolio. Market share is not reported explicitly for this business line, so it's difficult to measure and is likely lumped together with the other figures.
- Treasury Management Services: Services for businesses to manage their cash flow, including online banking and payment processing. Market share data is not publicly available. Competitors are larger national banks and other regional banks offering similar services. The competitors are JP Morgan Chase and Bank of America.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes and economic conditions. Increased interest rates and a tightening economy have impacted lending volumes. The rise of fintech companies is increasing competition in the market.
Positioning
Veritex positions itself as a community bank focusing on building relationships with local businesses and individuals. It aims to provide personalized service and local expertise.
Total Addressable Market (TAM)
The TAM for banking services in Texas is substantial, encompassing loans, deposits, and treasury management services. Veritex is positioned to capture a share of this market by focusing on small to medium-sized businesses and individuals in specific geographic areas. The estimated TAM for regional banks in Texas is in the tens of billions of dollars.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Experienced management team
- Focus on local markets
- Sound asset quality
Weaknesses
- Limited geographic presence
- Smaller scale compared to larger banks
- Reliance on Texas economy
- Higher operating costs than national banks
Opportunities
- Expansion into new markets within Texas
- Increased demand for commercial loans
- Adoption of new technologies
- Strategic acquisitions
Threats
- Economic downturn
- Increased competition from larger banks and fintech companies
- Regulatory changes
- Rising interest rates impacting loan demand
Competitors and Market Share
Key Competitors
- FRO
- PB
- CADE
- HFWA
Competitive Landscape
Veritex competes with larger regional and national banks, as well as smaller community banks and credit unions. Its focus on relationship banking and local expertise provides a competitive advantage, but it faces challenges from larger institutions with greater resources.
Major Acquisitions
Merchants State Bank
- Year: 2018
- Acquisition Price (USD millions): 68.3
- Strategic Rationale: Expansion into the Houston market and increased market share.
LegacyTexas Financial Group Inc
- Year: 2020
- Acquisition Price (USD millions): 871.8
- Strategic Rationale: Expand Veritex's reach throughout Texas, creating one of the largest community banks in the state.
Growth Trajectory and Initiatives
Historical Growth: Veritex has grown organically and through acquisitions. The growth rate can be assessed by analyzing historical revenue and asset growth.
Future Projections: Analyst estimates would be needed for future growth projections. These estimates are typically available from financial news sources.
Recent Initiatives: Recent strategic initiatives include geographic expansion, investments in technology, and new product development.
Summary
Veritex Holdings is a growing regional bank focused on serving small to medium-sized businesses. The company is focused on organically expanding their presence in Texas through its strong ties to the community. However, Veritex faces stiff competition from larger banks and is subject to economic downturns. Management needs to focus on operating costs, and manage its credit risk exposure.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Relations Materials
- Third-party Financial Data Providers
- Company News Releases
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Market conditions and company performance can change rapidly.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Veritex Holdings Inc
Exchange NASDAQ | Headquaters Dallas, TX, United States | ||
IPO Launch date 2014-10-09 | President, CEO & Chairman Mr. Charles Malcolm Holland III | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 858 | Website https://veritexbank.com |
Full time employees 858 | Website https://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 in the United States. The company accepts deposit products, such as demand, savings, money market, and time accounts. Its loan products include commercial real estate (CRE) and general commercial, owner and non-owner occupied CRE, mortgage warehouse loans, residential real estate, construction and land, farmland, 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, including loan sweep. Veritex Holdings, Inc. was founded in 2004 and is headquartered in Dallas, Texas.

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