VBTX Valuation

Veritex Holdings Inc

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33.450

+1.37(4.271%)1D

Overview
Forecast
Valuation
Earnings

VBTX Relative Valuation

VBTX's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, VBTX is overvalued; if below, it's undervalued.

Historical Valuation

Veritex Holdings Inc (VBTX) is now in the Overvalued zone, suggesting that its current forward PE ratio of 13.95 is considered Overvalued compared with the five-year average of 10.74. The fair price of Veritex Holdings Inc (VBTX) is between 23.56 to 32.32 according to relative valuation methord. Compared to the current price of 33.11 USD , Veritex Holdings Inc is Overvalued By 2.43%.

Relative Value

Fair Zone

23.56-32.32

Current Price：33.11

2.43%

Overvalued

13.85

Trailing

Forward

0.00

EV/EBITDA

Veritex Holdings Inc. (VBTX) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Veritex Holdings Inc. (VBTX) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

3.87

Veritex Holdings Inc. (VBTX) has a current PS of 3.87. The 5-year average PS is 3.50. The thresholds are as follows: Strongly Undervalued below 1.48, Undervalued between 1.48 and 2.49, Fairly Valued between 4.51 and 2.49, Overvalued between 4.51 and 5.52, and Strongly Overvalued above 5.52. The current Forward PS of 3.87 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Veritex Holdings Inc. (VBTX) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Veritex Holdings Inc. (VBTX) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Veritex Holdings Inc (VBTX) has a current Price-to-Book (P/B) ratio of 1.06. Compared to its 3-year average P/B ratio of 0.84 , the current P/B ratio is approximately 25.95% higher. Relative to its 5-year average P/B ratio of 1.02, the current P/B ratio is about 4.62% higher. Veritex Holdings Inc (VBTX) has a Forward Free Cash Flow (FCF) yield of approximately 6.01%. Compared to its 3-year average FCF yield of 11.64%, the current FCF yield is approximately -48.36% lower. Relative to its 5-year average FCF yield of 10.76% , the current FCF yield is about -44.15% lower.

1.06

P/B

Median3y

0.84

Median5y

1.02

5.96

FCF Yield

Median3y

11.64

Median5y

10.76

Competitors Valuation Multiple

The average P/S ratio for VBTX's competitors is 3.51, providing a benchmark for relative valuation. Veritex Holdings Inc Corp (VBTX) exhibits a P/S ratio of 3.87, which is 10.20% above the industry average. Given its robust revenue growth of 2.57%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

First Commonwealth Financial Corp

Bank of NT Butterfield & Son Ltd

Coastal Financial Corp (EVERETT)

Lakeland Financial Corp

Live Oak Bancshares Inc

2.57

21.12%

1.73B

Performance Decomposition

Market capitalization of VBTX increased by 33.70% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 12.69 to 15.28.

The secondary factor is the Margin Expansion, contributed 10.77%to the performance.

Overall, the performance of VBTX in the past 1 year is driven by P/E Change. Which is more unsustainable.

2.57%

101.72M → 104.33M

Revenue Growth

10.77%

26.74 → 29.62

Margin Expansion

20.36%

12.69 → 15.28

P/E Change

33.70%