Veritex Holdings, Inc.
VBTXFinancials · State Commercial Banks · TX · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $107.2M | $108.3M | $146.3M | $139.6M | $73.9M | $90.7M |
| Total assets | $12.77B | $12.39B | $12.15B | $9.76B | $8.82B | $7.95B |
| Total liabilities | $11.17B | $10.86B | $10.70B | $8.44B | $7.62B | $6.76B |
| Equity | $1.60B | $1.53B | $1.45B | $1.32B | $1.20B | $1.19B |
| EPS (diluted) | $1.95 | $1.98 | $2.71 | $2.77 | $1.48 | $1.68 |
| Shares out. | 54.5M | 54.2M | 49.6M | 49.4M | 50.5M | 54.5M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2024- Operating margin
- —
- Net margin
- —
- Return on equity
- 6.7%
- Return on assets
- 0.8%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 87.5%
- Debt / equity
- 6.97×
- Book value / share
- $29.38
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −0.9%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2024- Accruals / assets
- −0.2%clean
- Piotroski F-Score
- 4/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Dimensional Fund Advisors LpPassive (13G)Jan 21, 2026
- State Street CorpPassive (13G)May 13, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| Oct 15, 2025 | 2.5M | 1.7 | +12.5% |
| Sep 30, 2025 | 2.3M | 2.0 | +31.1% |
| Sep 15, 2025 | 1.7M | 1.8 | -2.2% |
| Aug 29, 2025 | 1.8M | 2.5 | +13.8% |
| Aug 15, 2025 | 1.5M | 2.2 | +28.3% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylaws · Other material eventOct 20, 2025
- Other material eventOct 3, 2025
- Shareholder voteSep 23, 2025
- Other material eventSep 12, 2025
- Other material eventSep 5, 2025
- Results of operations · Other material eventJul 18, 2025
- Entered a material agreementJul 17, 2025
- Other material eventJul 14, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.