NASDAQ$VBTX

Veritex Holdings Inc · Q2 2025 earnings

Q2 2025 earnings · · Before market open · Investor relations

Briefing

Veritex Holdings reported Q2 2025 revenue of $93.1M, net income of $30.9M, diluted EPS of $0.56.

For Q2 2025, Veritex Holdings reported Revenue was $93.1M, net income was $30.9M, diluted EPS was $0.56. Management discusses segment trends, liquidity, and outlook in the quarterly filing.

  • Revenue $93.1M for Q2 2025.
  • Net income $30.9M.
  • Diluted EPS $0.56.

Headline financials

Total Revenue

$93.1M

Previous: $107M-12.9%
EPS (adj)

$0.56

Previous: $0.52+7.7%
Book Value/Share

$30.39

No prior period
Efficiency Ratio

61.1%

Previous: 59.1%+3.5%
Operating Efficiency Ratio

61.1%

No prior period
ROAA

1.0%

No prior period
Operating ROAA

1.0%

No prior period
PTPP ROAA

1.4%

No prior period
ROATCE

10.8%

No prior period
Operating ROATCE

10.8%

No prior period
Tangible Book Value/Share

$22.68

No prior period
Net Interest Margin

3.3%

Previous: 3.3%+1.2%
PTPP ROAL

1.8%

No prior period
ACL to Total LHI

1.2%

Previous: 1.2%+2.6%
NPAs to Total Assets

0.6%

No prior period
NPAs to Loans & OREO

0.8%

No prior period
Net Charge-offs to Avg Loans

0.1%

No prior period
Loans to Deposits Ratio

91.5%

No prior period
Avg Equity to Avg Assets

13.2%

No prior period
TCE to Tangible Assets

10.2%

No prior period
Tier 1 Capital Leverage

10.7%

No prior period
CET1 Capital Ratio

11.1%

Previous: 10.5%+5.3%
Tier 1 Capital to RWA

11.3%

No prior period
Total Capital to RWA

13.5%

No prior period
Net Income

$30.9M

Previous: $27.2M+13.6%
Operating Income

$30.9M

Previous: $35.4M-12.8%

Revenue & EPS history

Veritex · Revenue · Quarterly

$93.1M

Q2 2025-12.9%vs Q2 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

The quarterly filing discusses operating priorities, liquidity, and sector risks.

Tailwinds

  • MD&A outlines strategic priorities and capital allocation.
  • Segment commentary supports the earnings narrative.

Headwinds

  • Macro, rates, or input costs may pressure margins.
  • One-time items can affect year-over-year comparability.

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 Q2 2025

Historical avgQ2 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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