investorscraft@gmail.com

Intrinsic value of Veritex Holdings, Inc. (VBTX)

Previous Close$31.74
Intrinsic Value
Upside potential
Previous Close
$31.74
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh27 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

Veritex Holdings, Inc. operates as the holding company for Veritex Community Bank that provides various commercial banking products and services to small and medium-sized businesses, and professionals. The company's deposit products include demand, savings, money market and time deposit accounts, as well as commercial deposit and financial institution money market accounts. Its loan portfolio consists of commercial real estate and general commercial loans, mortgage warehouse loans, residential real estate loans, construction and land loans, farmland loans, and consumer loans, as well as purchased receivables financing. The company also provides 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 banking through telephone, 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 consisting of lockbox, remote deposit capture, positive pay, reverse positive pay, account reconciliation services, zero balance accounts, and sweep accounts. As of December 31, 2019, the company had 25 branches and one mortgage office located in the Dallas-Fort Worth metroplex, as well as 12 full-service branches in the Houston metropolitan area and one branch in Louisville, Kentucky. Veritex Holdings, Inc. was founded in 2009 and is headquartered in Dallas, Texas.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %6.8NaN
Revenue, $332NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m155NaN
Operating income, $m177NaN
EBITDA, $m188NaN
Interest expense (income), $mNaN
Earnings before tax, $m176NaN
Tax expense, $m37NaN
Net income, $m140NaN

BALANCE SHEET

Cash and short-term investments, $m482NaN
Total assets, $m9794NaN
Adjusted assets (=assets-cash), $m9312NaN
Average production assets, $m569NaN
Working capital, $m379NaN
Total debt, $m1028NaN
Total liabilities, $m8479NaN
Total equity, $m1315NaN
Debt-to-equity ratio0.782NaN
Adjusted equity ratio0.093NaN

CASH FLOW

Net income, $m140NaN
Depreciation, amort., depletion, $m11NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m201NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m1NaN
Free cash flow, $m200NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m379
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
HomeMenuAccount