The earnings call reflected a mixed performance with strong profit, dividend increases, and improved risk management offset by challenges in loan growth, increased non-performing assets, and elevated deposit costs. While there are positive signs for the future, current challenges balance out the gains.

Company Guidance

During the Veritex Holdings First Quarter 2025 Earnings Conference Call, several key financial metrics and strategic initiatives were detailed. The company reported a net operating profit of $29 million, translating to $0.54 per share, while pre-tax, pre-provision earnings reached $43.4 million, or 1.41%. Loan balances experienced a decrease of $125 million, or 5% annualized, despite $750 million in gross loan production, with only 31% funded. The company's loan production over the last four quarters exceeded $2.8 billion, marking a 130% year-over-year increase. On the deposit front, Veritex successfully moved out over $440 million in wholesale funding, lowering deposit costs and reliance on higher-priced funding. The loan-to-deposit ratio dropped to 89%, with intentions to maintain it below 90%. Veritex's net interest margin (NIM) increased by 11 basis points to 3.31% in Q1, exceeding the guided range of 3.25% to 3.30%, and the company anticipates NIM stability throughout 2025. Non-performing assets rose to $97 million, primarily due to targeted actions on retail and office loans. Despite these challenges, the company remains optimistic about its loan growth prospects for 2026 and beyond, driven by substantial loan production and strategic investments in commercial and industrial spaces.

Strong Net Operating Profit

The company reported a net operating profit of $29 million, or $0.54 per share for Q1 2025.

Significant Loan Production Growth

Loan production exceeded $2.8 billion in the last four quarters, showing a 130% increase year-over-year.

Stable Credit and Risk Management

Criticized assets decreased by 26% year-over-year, indicating strong risk management practices.

Dividend Increase

Veritex increased its quarterly dividend by 10% to $0.22 per share.

Improvement in Net Interest Margin

Net interest margin increased by 11 basis points to 3.31% in Q1 2025.

Veritex (VBTX) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

VBTX Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	0.58 / -	0.56	―	―	―
Jul 18, 2025	2025 (Q2)	0.54 / 0.56	0.5	12.00% (+0.06)	―	―
Apr 22, 2025	2025 (Q1)	0.51 / 0.53	0.44	20.45% (+0.09)
Jan 28, 2025	2024 (Q4)	0.55 / 0.45	0.06	650.00% (+0.39)
Oct 22, 2024	2024 (Q3)	0.55 / 0.56	0.6	-6.67% (-0.04)
Jul 23, 2024	2024 (Q2)	0.53 / 0.50	0.62	-19.35% (-0.12)
Apr 23, 2024	2024 (Q1)	0.55 / 0.44	0.7	-37.14% (-0.26)
Jan 23, 2024	2023 (Q4)	0.59 / 0.06	0.73	-91.78% (-0.67)
Oct 24, 2023	2023 (Q3)	0.64 / 0.60	0.79	-24.05% (-0.19)
Jul 25, 2023	2023 (Q2)	0.75 / 0.62	0.54	14.81% (+0.08)		―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

VBTX Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 18, 2025	$32.57	$32.02	-1.69%
Apr 22, 2025	$21.76	$22.87	+5.10%
Jan 28, 2025	$26.30	$26.11	-0.72%
Oct 22, 2024	$26.50	$27.03	+2.00%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Veritex (VBTX) report earnings?

Veritex (VBTX) is schdueled to report earning on Oct 28, 2025, After Close (Confirmed).

What is Veritex (VBTX) earnings time?

Veritex (VBTX) earnings time is at Oct 28, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is VBTX EPS forecast?

VBTX EPS forecast for the fiscal quarter 2025 (Q3) is 0.58.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing