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

Income Statement	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Customer swap income	1,550	700	660*	271
Service charges and fees on deposit accounts	5,702	5,611	5,300*	5,442
Loan fees	2,735	2,495	2,033*	3,278
Government guaranteed loan income, net	1,688	3,301	-1,094*	780
Other	1,824	2,182	653*	3,335
Loss on sales of debt securities	0	-	-2,675*	-
Total noninterest income	13,499	14,289	4,876*	13,106
Provision for credit losses on loans	1,750	4,000	3,675*	4,000
Certificates and other time deposits	28,539	30,268	35,251*	46,230
Subordinated debentures and subordinated notes	2,056	2,824	3,328*	3,116
Transaction and savings deposits	48,080	45,165	45,212*	47,208
Advances from fhlb	113	27	764*	47
Total interest expense	78,788	78,284	84,553*	96,601
Equity securities and other investments	847	870	771*	1,001
Deposits in financial institutions and federal funds sold	8,039	9,244	9,792*	12,571
Interest and fees on loans	149,354	146,505	151,278*	167,261
Debt securities	16,883	17,106	14,969*	15,830
Total interest and dividend income	175,123	173,725	176,809*	196,663
Net interest income	96,335	95,441	92,256*	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	89,066*	96,062
Professional and regulatory fees	5,558	4,931	6,357*	4,903
Other	11,346	10,426	9,830*	12,216
Occupancy and equipment	4,511	4,650	4,623*	4,789
Marketing	2,612	2,032	2,064*	2,781
Salaries and employee benefits	34,957	36,624	35,732*	37,370
Data processing and software expense	5,507	5,403	5,415*	5,268
Telephone and communications	233	330	234*	335
Amortization of intangibles	2,438	2,438	2,437*	2,438
Total noninterest expense	67,162	66,834	66,690*	70,100
Income before income tax expense	39,422	37,596	27,252*	39,068
Provision for income taxes	8,516	8,526	7,315*	8,067
Net income	30,906	29,070	19,937	31,001

Basic EPS	0.57	0.53	0.366	0.57
Diluted EPS	0.56	0.53	0.488	0.56
Basic Average Shares	54,251,000	54,486,000	54,484,000	54,409,000

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

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