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For the quarter ended March 2025, Veritex Holdings (VBTX) reported revenue of $109.73 million, up 10.3% over the same period last year. EPS came in at $0.54, compared to $0.53 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $110.7 million, representing a surprise of -0.88%. The company delivered an EPS surprise of +5.88%, with the consensus EPS estimate being $0.51.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Veritex Holdings performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
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Efficiency Ratio (GAAP): 60.9% versus 61.5% estimated by two analysts on average.
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Net charge-offs to average loans outstanding: 0.2% versus 0.3% estimated by two analysts on average.
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Net Interest Margin: 3.3% versus the two-analyst average estimate of 3.3%.
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Total nonperforming loans held for investment (NPLs): $72.63 million compared to the $57.03 million average estimate based on two analysts.
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Total nonperforming assets (NPAs): $96.90 million versus $86.71 million estimated by two analysts on average.
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Average Outstanding Balance - Total interest-earning assets: $11.68 billion versus the two-analyst average estimate of $11.88 billion.
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Total Noninterest Income: $14.29 million compared to the $14.60 million average estimate based on two analysts.
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Net Interest Income: $95.44 million compared to the $96.11 million average estimate based on two analysts.
View all Key Company Metrics for Veritex Holdings here>>>
Shares of Veritex Holdings have returned -14.4% over the past month versus the Zacks S&P 500 composite's -8.9% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.
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Veritex Holdings, Inc. (VBTX) : Free Stock Analysis Report
This article originally published on Zacks Investment Research (zacks.com).