Logo image of TCBI

TEXAS CAPITAL BANCSHARES INC (TCBI) Stock Fundamental Analysis

NASDAQ:TCBI - Nasdaq - US88224Q1076 - Common Stock - Currency: USD

81.34  +0.03 (+0.04%)

After market: 81.34 0 (0%)

Fundamental Rating

3

TCBI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. TCBI may be in some trouble as it scores bad on both profitability and health. TCBI has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

1. Profitability

1.1 Basic Checks

In the past year TCBI was profitable.
In the past year TCBI had a positive cash flow from operations.
TCBI had positive earnings in each of the past 5 years.
TCBI had a positive operating cash flow in each of the past 5 years.
TCBI Yearly Net Income VS EBIT VS OCF VS FCFTCBI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B

1.2 Ratios

TCBI has a Return On Assets of 0.37%. This is amonst the worse of the industry: TCBI underperforms 81.38% of its industry peers.
TCBI's Return On Equity of 3.33% is on the low side compared to the rest of the industry. TCBI is outperformed by 82.14% of its industry peers.
Industry RankSector Rank
ROA 0.37%
ROE 3.33%
ROIC N/A
ROA(3y)0.64%
ROA(5y)0.55%
ROE(3y)5.83%
ROE(5y)5.35%
ROIC(3y)N/A
ROIC(5y)N/A
TCBI Yearly ROA, ROE, ROICTCBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

TCBI has a worse Profit Margin (11.72%) than 81.38% of its industry peers.
TCBI's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for TCBI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 11.72%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-37.07%
PM growth 5Y-25.53%
GM growth 3YN/A
GM growth 5YN/A
TCBI Yearly Profit, Operating, Gross MarginsTCBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

More info and screens

3

2. Health

2.1 Basic Checks

TCBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, TCBI has less shares outstanding
Compared to 5 years ago, TCBI has less shares outstanding
Compared to 1 year ago, TCBI has an improved debt to assets ratio.
TCBI Yearly Shares OutstandingTCBI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
TCBI Yearly Total Debt VS Total AssetsTCBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.2 Solvency

TCBI has a debt to FCF ratio of 1.61. This is a very positive value and a sign of high solvency as it would only need 1.61 years to pay back of all of its debts.
TCBI has a Debt to FCF ratio (1.61) which is in line with its industry peers.
A Debt/Equity ratio of 0.18 indicates that TCBI is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.18, TCBI perfoms like the industry average, outperforming 48.47% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.61
Altman-Z N/A
ROIC/WACCN/A
WACC16.82%
TCBI Yearly LT Debt VS Equity VS FCFTCBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TCBI Yearly Current Assets VS Current LiabilitesTCBI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

More info and screens

5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 100.36% over the past year.
Measured over the past years, TCBI shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.07% on average per year.
The Revenue has decreased by -4.89% in the past year.
TCBI shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.75% yearly.
EPS 1Y (TTM)100.36%
EPS 3Y-2.08%
EPS 5Y-7.07%
EPS Q2Q%97.5%
Revenue 1Y (TTM)-4.89%
Revenue growth 3Y0.92%
Revenue growth 5Y-2.75%
Sales Q2Q%15.15%

3.2 Future

Based on estimates for the next years, TCBI will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.61% on average per year.
The Revenue is expected to grow by 12.27% on average over the next years. This is quite good.
EPS Next Y32.34%
EPS Next 2Y23.26%
EPS Next 3Y17.61%
EPS Next 5YN/A
Revenue Next Year22.48%
Revenue Next 2Y15.8%
Revenue Next 3Y12.27%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
TCBI Yearly Revenue VS EstimatesTCBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B
TCBI Yearly EPS VS EstimatesTCBI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 14.66 indicates a correct valuation of TCBI.
TCBI's Price/Earnings ratio is a bit more expensive when compared to the industry. TCBI is more expensive than 68.88% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.03. TCBI is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 12.42, the valuation of TCBI can be described as correct.
TCBI's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TCBI is more expensive than 68.62% of the companies in the same industry.
TCBI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.28.
Industry RankSector Rank
PE 14.66
Fwd PE 12.42
TCBI Price Earnings VS Forward Price EarningsTCBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, TCBI is valued a bit cheaper than the industry average as 63.27% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.68
EV/EBITDA N/A
TCBI Per share dataTCBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

TCBI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
TCBI's earnings are expected to grow with 17.61% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.45
PEG (5Y)N/A
EPS Next 2Y23.26%
EPS Next 3Y17.61%

More info and screens

0

5. Dividend

5.1 Amount

No dividends for TCBI!.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

TEXAS CAPITAL BANCSHARES INC

NASDAQ:TCBI (8/5/2025, 4:30:00 PM)

After market: 81.34 0 (0%)

81.34

+0.03 (+0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-17 2025-07-17/bmo
Earnings (Next)10-15 2025-10-15/bmo
Inst Owners103.19%
Inst Owner Change-0.85%
Ins Owners1.71%
Ins Owner Change6.47%
Market Cap3.72B
Analysts69.47
Price Target81.43 (0.11%)
Short Float %3.43%
Short Ratio3.24
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.37
Dividend Growth(5Y)13.5%
DP14.77%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)6.87%
Min EPS beat(2)-6.76%
Max EPS beat(2)20.5%
EPS beat(4)3
Avg EPS beat(4)28.02%
Min EPS beat(4)-6.76%
Max EPS beat(4)68.72%
EPS beat(8)4
Avg EPS beat(8)4.29%
EPS beat(12)5
Avg EPS beat(12)-3.14%
EPS beat(16)6
Avg EPS beat(16)-4.2%
Revenue beat(2)1
Avg Revenue beat(2)-1.34%
Min Revenue beat(2)-3.45%
Max Revenue beat(2)0.76%
Revenue beat(4)1
Avg Revenue beat(4)-14.01%
Min Revenue beat(4)-51.56%
Max Revenue beat(4)0.76%
Revenue beat(8)1
Avg Revenue beat(8)-8.14%
Revenue beat(12)4
Avg Revenue beat(12)1.86%
Revenue beat(16)6
Avg Revenue beat(16)0.94%
PT rev (1m)1.91%
PT rev (3m)2.02%
EPS NQ rev (1m)9.2%
EPS NQ rev (3m)10.28%
EPS NY rev (1m)0.47%
EPS NY rev (3m)-0.4%
Revenue NQ rev (1m)0.92%
Revenue NQ rev (3m)1.05%
Revenue NY rev (1m)1.67%
Revenue NY rev (3m)1.76%
Valuation
Industry RankSector Rank
PE 14.66
Fwd PE 12.42
P/S 3.73
P/FCF 9.68
P/OCF 8.97
P/B 1.06
P/tB 1.06
EV/EBITDA N/A
EPS(TTM)5.55
EY6.82%
EPS(NY)6.55
Fwd EY8.05%
FCF(TTM)8.4
FCFY10.33%
OCF(TTM)9.07
OCFY11.15%
SpS21.79
BVpS76.71
TBVpS76.67
PEG (NY)0.45
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.37%
ROE 3.33%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 11.72%
GM N/A
FCFM 38.56%
ROA(3y)0.64%
ROA(5y)0.55%
ROE(3y)5.83%
ROE(5y)5.35%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-37.07%
PM growth 5Y-25.53%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.61
Debt/EBITDA N/A
Cap/Depr 57.58%
Cap/Sales 3.06%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 329.09%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC16.82%
ROIC/WACCN/A
Cap/Depr(3y)61.66%
Cap/Depr(5y)38.62%
Cap/Sales(3y)3.13%
Cap/Sales(5y)2.02%
Profit Quality(3y)314.03%
Profit Quality(5y)1177.45%
High Growth Momentum
Growth
EPS 1Y (TTM)100.36%
EPS 3Y-2.08%
EPS 5Y-7.07%
EPS Q2Q%97.5%
EPS Next Y32.34%
EPS Next 2Y23.26%
EPS Next 3Y17.61%
EPS Next 5YN/A
Revenue 1Y (TTM)-4.89%
Revenue growth 3Y0.92%
Revenue growth 5Y-2.75%
Sales Q2Q%15.15%
Revenue Next Year22.48%
Revenue Next 2Y15.8%
Revenue Next 3Y12.27%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y351.26%
FCF growth 3Y-13.94%
FCF growth 5YN/A
OCF growth 1Y350.13%
OCF growth 3Y-9.88%
OCF growth 5YN/A