Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
VBTX 
Veritex Holdings Inc (VBTX)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
04/04/2025: VBTX (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -17.68% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.17B USD | Price to earnings Ratio 11.06 | 1Y Target Price 31.58 |
Price to earnings Ratio 11.06 | 1Y Target Price 31.58 | ||
Volume (30-day avg) 332583 | Beta 1.09 | 52 Weeks Range 18.31 - 31.38 | Updated Date 04/7/2025 |
52 Weeks Range 18.31 - 31.38 | Updated Date 04/7/2025 | ||
Dividends yield (FY) 3.71% | Basic EPS (TTM) 1.95 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.44% | Operating Margin (TTM) 34.08% |
Management Effectiveness
Return on Assets (TTM) 0.85% | Return on Equity (TTM) 6.85% |
Valuation
Trailing PE 11.06 | Forward PE - | Enterprise Value 604861440 | Price to Sales(TTM) 2.9 |
Enterprise Value 604861440 | Price to Sales(TTM) 2.9 | ||
Enterprise Value to Revenue 3.3 | Enterprise Value to EBITDA - | Shares Outstanding 54469400 | Shares Floating 52666439 |
Shares Outstanding 54469400 | Shares Floating 52666439 | ||
Percent Insiders 3.78 | Percent Institutions 93.69 |
Analyst Ratings
Rating 3.83 | Target Price 33.75 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
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 products and services to small and medium-sized businesses and individuals.
Core Business Areas
- Commercial Banking: Provides a range of loan products, including commercial real estate, construction, and commercial and industrial loans, as well as deposit products.
- Retail Banking: Offers personal banking services, including checking and savings accounts, and online banking.
- Mortgage Banking: Mortgage lending products and services.
Leadership and Structure
C. Malcolm Holland, III, is the Chairman, President, and CEO. The organizational structure includes executive leadership overseeing various departments such as lending, finance, operations, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is not readily available. Competitors include regional and national banks such as Texas Capital Bancshares and Independent Bank Group.
- Commercial and Industrial (C&I) Loans: Loans to businesses for working capital, equipment, and other operational needs. Market share data is not readily available. Competitors include regional and national banks such as Texas Capital Bancshares and Independent Bank Group.
Market Dynamics
Industry Overview
The banking industry is influenced by interest rates, regulatory changes, and economic conditions. Growth is driven by loan demand and deposit growth.
Positioning
Veritex focuses on serving the needs of small to medium sized businesses in Texas, giving it a regional focus and customer intimacy edge. It competes with larger national and regional banks but distinguishes itself through customer service and localized decision-making.
Total Addressable Market (TAM)
The TAM for banking services in Texas is significant, with billions of dollars in loan volume. Veritex's positioning allows it to capture a portion of this TAM by focusing on its target market.
Upturn SWOT Analysis
Strengths
- Strong presence in Texas market
- Experienced management team
- Focus on small to medium sized businesses
- Solid asset quality
Weaknesses
- Geographic concentration in Texas
- Smaller size compared to larger national banks
- Reliance on interest rate environment
Opportunities
- Expansion into new markets within Texas
- Increased demand for commercial loans
- Technology adoption to enhance customer experience
- Strategic acquisitions of smaller banks
Threats
- Economic downturn in Texas
- Increased competition from larger banks and fintech companies
- Regulatory changes impacting the banking industry
- Rising interest rates
Competitors and Market Share
Key Competitors
- TCBI
- IBOC
- BOKF
Competitive Landscape
Veritex competes with regional and national banks, as well as credit unions and fintech companies. It aims to differentiate itself through customer service and local market expertise. Its smaller size is both an advantage and a disadvantage, offering flexibility but limiting scale.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Veritex's historical growth can be evaluated by examining its loan growth, deposit growth, and profitability trends over the past several years.
Future Projections: Analyst estimates for future growth should be considered, including revenue growth, earnings growth, and expansion plans. Consensus estimates can be found on financial websites.
Recent Initiatives: Recent strategic initiatives may include acquisitions, new product launches, and technology investments. Information on these initiatives is usually available in press releases and investor presentations.
Summary
Veritex Holdings shows promise in the Texas banking market with a focus on SMEs. Its strengths lie in its regional presence and customer service. However, concentration in Texas and competition remain key challenges. Recent initiatives are vital for continued growth.
Similar Companies
BOKF
BOK Financial Corporation
BOKF
BOK Financial Corporation
CADE
Cadence Bancorp
CADE
Cadence Bancorp
IBOC
International Bancshares Corporation
IBOC
International Bancshares Corporation
TCBI
Texas Capital Bancshares Inc
TCBI
Texas Capital Bancshares Inc
Sources and Disclaimers
Data Sources:
- Company filings, Investor presentations, Third-party financial data providers (e.g., Yahoo Finance, Bloomberg)
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share percentages are estimated based on available data and may not be precise.
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 | Chairman & CEO 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.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.