Financial insights of VBTX

MyFinsight

For the quarter ending 2025-06-30, VBTX made $1,550K in revenue. $30,906K in net income. Net profit margin of 1993.94%.

Income Overview

Revenue
$1,550K
Net Income
$30,906K
Net Profit Margin
1993.94%
EPS
$0.56
Unit: Thousand (K) dollars

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Customer swap income	1,550	700	479	271
Service charges and fees on deposit accounts	5,702	5,611	5,254	5,442
Loan fees	2,735	2,495	2,388	3,278
Government guaranteed loan income, net	1,688	3,301	1,316	780
Other	1,824	2,182	1,598	3,335
Loss on sales of debt securities	0	-	-2,675	-
Total noninterest income	13,499	14,289	8,359	13,106
Provision for credit losses on loans	1,750	4,000	4,900	4,000
Certificates and other time deposits	28,539	30,268	40,386	46,230
Subordinated debentures and subordinated notes	2,056	2,824	3,221	3,116
Transaction and savings deposits	48,080	45,165	45,813	47,208
Advances from fhlb	113	27	761	47
Total interest expense	78,788	78,284	90,180	96,601
Equity securities and other investments	847	870	920	1,001
Deposits in financial institutions and federal funds sold	8,039	9,244	9,969	12,571
Interest and fees on loans	149,354	146,505	158,470	167,261
Debt securities	16,883	17,106	15,294	15,830
Total interest and dividend income	175,123	173,725	184,653	196,663
Net interest income	96,335	95,441	94,474	100,062
Provision (benefit) for credit losses on unfunded commitments	1,500	1,300	-485	-
Net interest income after provision (benefit) for credit losses	93,085	90,141	90,545	96,062
Professional and regulatory fees	5,558	4,931	5,809	4,903
Other	11,346	10,426	10,537	12,216
Occupancy and equipment	4,511	4,650	4,655	4,789
Marketing	2,612	2,032	2,221	2,781
Salaries and employee benefits	34,957	36,624	35,406	37,370
Data processing and software expense	5,507	5,403	5,299	5,268
Telephone and communications	233	330	292	335
Amortization of intangibles	2,438	2,438	2,438	2,438
Total noninterest expense	67,162	66,834	66,655	70,100
Income before income tax expense	39,422	37,596	32,249	39,068
Provision for income taxes	8,516	8,526	7,730	8,067
Net income	30,906	29,070	24,519	31,001

Basic eps (in dollars per share)	0.57	0.53	0.45	0.57
Diluted eps (in dollars per share)	0.56	0.53	0.445	0.56
Weighted average shares outstanding for basic eps (in shares)	54,251,000	54,486,000	-27,208,000	54,409,000

MyFinsight

Income Overview

Revenue
$1,550K
Net Income
$30,906K
Net Profit Margin
1993.94%
EPS
$0.56
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Revenue
$1,550K
Net Income
$30,906K
Net Profit Margin
1993.94%
EPS
$0.56
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$1,550KNet Income$30,906KNet Profit Margin1993.94%EPS$0.56Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$1,550KNet Income$30,906KNet Profit Margin1993.94%EPS$0.56Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$1,550K
Net Income
$30,906K
Net Profit Margin
1993.94%
EPS
$0.56
Unit: Thousand (K) dollars

Revenue
$1,550K
Net Income
$30,906K
Net Profit Margin
1993.94%
EPS
$0.56
Unit: Thousand (K) dollars