NASDAQ$VBTX

Veritex Holdings Inc · Q1 2025 earnings

Q1 2025 earnings · · After market close · Investor relations

Briefing

Veritex Holdings reported Q1 2025 revenue of $188.0M, net income of $29.1M, diluted EPS of $0.53.

For Q1 2025, Veritex Holdings reported Revenue was $188.0M, net income was $29.1M, diluted EPS was $0.53. Management discusses segment trends, liquidity, and outlook in the quarterly filing.

  • Revenue $188.0M for Q1 2025.
  • Net income $29.1M.
  • Diluted EPS $0.53.

Headline financials

Total Revenue

$188M

Previous: $99.5M+89.0%
EPS (adj)

$0.53

Previous: $0.53+0.0%
Book Value/Share

$30.08

Previous: $28.23+6.6%
Efficiency Ratio

60.9%

Previous: 62.5%-2.5%
Operating Efficiency Ratio

60.6%

Previous: 58.7%+3.2%
ROAA

0.9%

Previous: 0.8%+19.0%
Operating ROAA

1.0%

Previous: 0.9%+1.1%
PTPP ROAA

1.4%

Previous: 1.4%-0.7%
ROATCE

10.5%

Previous: 9.5%+10.2%
Operating ROATCE

10.7%

Previous: 11.3%-5.6%
Tangible Book Value/Share

$22.33

Previous: $20.33+9.8%
Net Interest Margin

3.3%

Previous: 3.2%+2.2%
PTPP ROAL

1.9%

Previous: 1.8%+2.7%
ACL to Total LHI

1.2%

Previous: 1.1%+3.5%
NPAs to Total Assets

0.8%

Previous: 0.8%-6.1%
NPAs to Loans & OREO

1.0%

Previous: 1.1%-2.8%
Net Charge-offs to Avg Loans

0.2%

Previous: 0.2%-22.7%
Loans to Deposits Ratio

88.9%

Previous: 91.7%-3.1%
Avg Equity to Avg Assets

13.0%

Previous: 12.4%+4.3%
TCE to Tangible Assets

9.9%

Previous: 9.0%+10.3%
Tier 1 Capital Leverage

10.6%

Previous: 10.1%+4.2%
CET1 Capital Ratio

11.0%

Previous: 10.4%+6.5%
Tier 1 Capital to RWA

11.3%

Previous: 10.6%+6.4%
Total Capital to RWA

13.5%

Previous: 13.3%+1.0%
Capital Expenditures

-$522K

No prior period
Net Income

$29.1M

Previous: $24.2M+20.3%
Operating Income

$29.7M

Previous: $30.5M-2.5%

Revenue & EPS history

Veritex · Revenue · Quarterly

$188M

Q1 2025+89%vs Q1 2024
Beat estimate in 5 of 15 quarters(33%)
ActualEstimate

Revenue by segment

Veritex · $6.62B total across 8 segments · Q3 2021

  • Non-Owner Occ. CRE
    $2.18B
  • Commercial LHI
    $1.81B
  • Construction & Land
    $936M
  • Owner Occupied CRE
    $711M
  • 1-4 Family Residential
    $544M
  • Multi-Family Residential
    $357M
  • Farmland loans
    $73.6M
  • Consumer loans
    $14.3M

Forward guidance

Regional bank outlook cites net interest margin, credit quality, and deposit costs.

Tailwinds

  • Loan growth and fee income diversification.
  • Capital ratios and dividend capacity.

Headwinds

  • Deposit beta and funding cost pressure.
  • Commercial real estate and credit provisioning.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 12 quarterly earnings reports · overlaid with Q1 2025

Historical avgQ1 2025

+0.3%

Avg return

Earnings day

+1.3%

Avg return

5 days after

+0.6%

Avg return

30 days after

53%

26 / 49 earnings

Positive

+15.3%

Q1 2020

Best reaction

-10.1%

Q3 2020

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q3 2025
Q2 2025-1.7%-1.0%-2.7%
Q1 2025+5.1%+5.6%+8.6%
Q4 2025-0.7%-2.7%-2.5%
Q3 2024+3.3%+1.7%+8.8%
Q2 2024-0.5%+5.1%-5.0%
Q1 2024+2.4%-0.6%+1.0%
Q4 2023-4.2%-4.2%-11.8%
Q3 2023-2.9%+1.7%+10.8%
Q2 2023+0.8%+3.9%-7.3%
Q1 2023-1.4%-2.6%-4.6%
Q4 2022-8.2%-5.2%-5.4%
Q3 2022+7.0%+14.0%+17.4%
Q2 2022-0.9%
Q1 2022-5.1%
Q4 2021+0.6%
Q3 2021-5.3%
Q2 2021+1.6%
Q1 2021+0.0%
Q4 2020-8.0%
Q3 2020-10.1%
Q2 2020+7.3%
Q1 2020+15.3%
Q4 2019-0.7%
Q3 2019+1.4%
Q2 2019-3.9%
Q1 2019-1.1%
Q4 2018+8.6%
Q3 2018-7.4%
Q2 2018-2.4%
Q1 2018+5.3%
Q4 2017+1.5%
Q3 2017-3.6%
Q2 2017+0.4%
Q1 2017+4.3%
Q4 2016+6.7%
Q3 2016+1.2%
Q2 2016+1.6%
Q1 2014-0.6%
Q2 2014-0.6%
Q1 2016+3.7%
Q4 2015-0.1%
Q3 2015+4.0%
Q2 2015+2.5%
Q1 2015+1.0%
Q4 2012+0.1%
Q4 2014+1.5%
Q3 2013-2.8%
Q4 2013-2.8%
Q3 2014+4.3%
Q2 2013
Q1 2013

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