NASDAQ$VBTX

Veritex Holdings Inc · Q2 2021 earnings

Q2 2021 earnings · · Investor relations

Briefing

Veritex reported an outstanding financial and growth quarter driven by strategic investments and talent hires.

Veritex Holdings, Inc. reported strong second-quarter results with a net income of $29.5 million, or $0.59 diluted earnings per share. The company experienced significant loan growth, record loan production, and an improving credit profile. Additionally, Veritex completed its investment in Thrive Mortgage and increased its quarterly dividend by 18%.

  • Net income was $29.5 million, or $0.59 diluted earnings per share.
  • Operating earnings were $30.0 million, or $0.60 diluted operating EPS.
  • Total loans held for investment, excluding mortgage warehouse and PPP loans, grew by $308.6 million, or 20.7% annualized, from the first quarter of 2021.
  • Total deposits grew by $74.3 million, or 4.3% annualized, from the first quarter of 2021.

Headline financials

Total Revenue

$79.6M

Previous: $87M-8.6%
EPS (adj)

$0.60

Previous: $0.43+39.5%
Efficiency Ratio

52.4%

No prior period
ROAA

1.3%

No prior period
ROATCE

15.2%

No prior period
Net Interest Margin

3.1%

No prior period
Net Charge-offs to Avg Loans

0.1%

No prior period
Capital Expenditures

$10.7M

Previous: $1.09M+885.5%
Free Cash Flow

$53.2M

Previous: $26.8M+98.8%
Net Income

$29.5M

Previous: $24M+22.6%
Operating Income

$30M

Previous: $22.7M+31.9%
Cash & Equivalents

$390M

Previous: $160M+143.3%
Total Assets

$9.35B

Previous: $8.59B+8.9%
Stock-Based Comp

$2.69M

Previous: $1.85M+45.9%

Revenue & EPS history

Veritex · Revenue · Quarterly

$79.6M

Q2 2021-8.6%vs Q2 2020
Beat estimate in 5 of 16 quarters(31%)
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

No specific forward guidance was provided in the provided document.

Historical earnings impact

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

Avg. return before/after earnings

Based on 12 quarterly earnings reports

Historical avg

+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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