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Upturn AI SWOT - About
VBTX 
Veritex Holdings Inc (VBTX)
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Upturn Advisory Summary
10/17/2025: VBTX (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $31.75
1 Year Target Price $31.75
| 2 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 25.71% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.66B USD | Price to earnings Ratio 14.41 | 1Y Target Price 31.75 |
Price to earnings Ratio 14.41 | 1Y Target Price 31.75 | ||
Volume (30-day avg) 6 | Beta 1.04 | 52 Weeks Range 19.90 - 34.81 | Updated Date 10/19/2025 |
52 Weeks Range 19.90 - 34.81 | Updated Date 10/19/2025 | ||
Dividends yield (FY) 2.80% | Basic EPS (TTM) 2.1 |
Earnings Date
Report Date 2025-10-21 | When Before Market | Estimate 0.59 | Actual - |
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 14.41 | Forward PE - | Enterprise Value 1231379968 | Price to Sales(TTM) 3.91 |
Enterprise Value 1231379968 | Price to Sales(TTM) 3.91 | ||
Enterprise Value to Revenue 4.87 | Enterprise Value to EBITDA - | Shares Outstanding 54779619 | Shares Floating 52436854 |
Shares Outstanding 54779619 | Shares Floating 52436854 | ||
Percent Insiders 3.99 | Percent Institutions 88.66 |
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, providing banking services to individuals and businesses primarily in Texas.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products and services to small and medium-sized businesses, including commercial real estate loans, business term loans, and lines of credit.
- Retail Banking: Provides deposit accounts, consumer loans, and other financial services to individuals and families.
- Wealth Management: Offers wealth management and trust services to high-net-worth individuals and families.
Leadership and Structure
C. Malcolm Holland, III serves as the Chairman and CEO. The organizational structure comprises various departments overseeing lending, operations, finance, and compliance, reporting to the executive management team.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for the acquisition, development, and refinance of commercial properties. Market share data not readily available at granular level. Competitors include regional and national banks like Bank of America, Wells Fargo and Frost Bank.
- Business Term Loans and Lines of Credit: Offers financing solutions for businesses to manage working capital, fund expansions, and purchase equipment. Market share data not readily available at granular level. Competitors include regional and national banks like Bank of America, Wells Fargo and Frost Bank.
- Deposit Accounts: Includes checking, savings, and money market accounts for individuals and businesses. Market share data not readily available at granular level. Competitors include regional and national banks like Bank of America, Wells Fargo and Frost Bank.
Market Dynamics
Industry Overview
The banking industry is currently experiencing consolidation, increased regulatory scrutiny, and technological disruption, with rising interest rates impacting loan demand and profitability.
Positioning
Veritex is a regional bank focused on serving the Texas market, with a strategy of building strong customer relationships and providing personalized service. Competitive advantage lies in local expertise and responsiveness.
Total Addressable Market (TAM)
The Texas banking market represents a large TAM, estimated at hundreds of billions of dollars. Veritex is positioned to capture a portion of this market through organic growth and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Strong local market presence in Texas
- Experienced management team
- Solid customer relationships
- Consistent profitability
- Focus on commercial lending
Weaknesses
- Geographic concentration in Texas
- Smaller scale compared to national banks
- Limited product diversification
- Reliance on interest rate environment
- Higher cost of deposits compared to larger banks
Opportunities
- Expansion into new markets within Texas
- Increased adoption of digital banking solutions
- Strategic acquisitions of smaller banks
- Growth in wealth management services
- Capitalizing on small business lending demand
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in Texas
- Rising interest rates impacting loan demand
- Changes in regulatory requirements
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- FRO
- COM
- CADE
Competitive Landscape
Veritex faces competition from larger national and regional banks, as well as smaller community banks. It differentiates itself through personalized service and local expertise.
Major Acquisitions
LegacyTexas Financial Group
- Year: 2020
- Acquisition Price (USD millions): 862
- Strategic Rationale: Expanded market presence in the Dallas-Fort Worth area and increased lending capacity.
Growth Trajectory and Initiatives
Historical Growth: Veritex has experienced consistent growth in assets, loans, and deposits over the past several years.
Future Projections: Analysts project continued growth in the mid-single digits, driven by organic expansion and strategic acquisitions.
Recent Initiatives: Recent initiatives include expanding digital banking capabilities, investing in technology, and pursuing strategic acquisitions to increase market share.
Summary
Veritex Holdings is a well-managed regional bank with a strong presence in Texas. Its strengths include consistent profitability and customer relationships. However, it needs to diversify geographically and watch out for competition. Continued growth relies on strategic acquisitions and expansion of digital banking offerings.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Analyst reports
- Industry publications
- Company website
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Market conditions and company performance are subject to change.
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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