TEXAS CAPITAL BANCSHARES INC (TCBI) Stock Fundamental Analysis
USA - NASDAQ:TCBI - US88224Q1076 - Common Stock
83.84 USD
+1.7 (+2.07%)
84.09 USD
+0.25 (+0.3%)
TCBI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. TCBI has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, TCBI is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
TCBI had positive earnings in the past year.
In the past year TCBI had a positive cash flow from operations.
Each year in the past 5 years TCBI has been profitable.
TCBI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.87%, TCBI is in line with its industry, outperforming 50.26% of the companies in the same industry.
TCBI has a Return On Equity (7.79%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.87% | ||
| ROE | 7.79% | ||
| 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
1.3 Margins
Looking at the Profit Margin, with a value of 23.38%, TCBI is in line with its industry, outperforming 48.97% of the companies in the same industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 23.38% | ||
| 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
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
The debt/assets ratio for TCBI has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of TCBI is 2.72, which is a good value as it means it would take TCBI, 2.72 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.72, TCBI is in line with its industry, outperforming 41.28% of the companies in the same industry.
A Debt/Equity ratio of 0.17 indicates that TCBI is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.17, TCBI perfoms like the industry average, outperforming 52.05% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 2.72 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.65%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
TCBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 90.34%, which is quite impressive.
TCBI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.07% yearly.
The Revenue has grown by 35.49% in the past year. This is a very strong growth!
TCBI shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.75% yearly.
EPS 1Y (TTM)90.34%
EPS 3Y-2.08%
EPS 5Y-7.07%
EPS Q2Q%34.57%
Revenue 1Y (TTM)35.49%
Revenue growth 3Y0.92%
Revenue growth 5Y-2.75%
Sales Q2Q%171.56%
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 19.85% on average per year.
Based on estimates for the next years, TCBI will show a quite strong growth in Revenue. The Revenue will grow by 12.42% on average per year.
EPS Next Y45.34%
EPS Next 2Y27.92%
EPS Next 3Y19.85%
EPS Next 5YN/A
Revenue Next Year22.38%
Revenue Next 2Y15.72%
Revenue Next 3Y12.42%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 13.72, which indicates a correct valuation of TCBI.
Based on the Price/Earnings ratio, TCBI is valued a bit more expensive than the industry average as 62.31% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of TCBI to the average of the S&P500 Index (26.10), we can say TCBI is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 11.89, the valuation of TCBI can be described as reasonable.
Based on the Price/Forward Earnings ratio, TCBI is valued a bit more expensive than the industry average as 64.10% of the companies are valued more cheaply.
TCBI is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.52, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.72 | ||
| Fwd PE | 11.89 |
4.2 Price Multiples
63.85% of the companies in the same industry are cheaper than TCBI, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.85 | ||
| EV/EBITDA | N/A |
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.
A more expensive valuation may be justified as TCBI's earnings are expected to grow with 19.85% in the coming years.
PEG (NY)0.3
PEG (5Y)N/A
EPS Next 2Y27.92%
EPS Next 3Y19.85%
5. Dividend
5.1 Amount
No dividends for TCBI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
83.84
+1.7 (+2.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners102.42%
Inst Owner Change0.49%
Ins Owners1.72%
Ins Owner Change0.13%
Market Cap3.84B
Revenue(TTM)1.21B
Net Income(TTM)283.36M
Analysts69
Price Target94.42 (12.62%)
Short Float %3.63%
Short Ratio3.41
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0.37
Dividend Growth(5Y)13.5%
DP6.09%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)20.52%
Min EPS beat(2)20.5%
Max EPS beat(2)20.55%
EPS beat(4)3
Avg EPS beat(4)15.98%
Min EPS beat(4)-6.76%
Max EPS beat(4)29.63%
EPS beat(8)4
Avg EPS beat(8)5.27%
EPS beat(12)6
Avg EPS beat(12)0.95%
EPS beat(16)7
Avg EPS beat(16)-0.91%
Revenue beat(2)2
Avg Revenue beat(2)1.73%
Min Revenue beat(2)0.76%
Max Revenue beat(2)2.69%
Revenue beat(4)2
Avg Revenue beat(4)-0.45%
Min Revenue beat(4)-3.45%
Max Revenue beat(4)2.69%
Revenue beat(8)2
Avg Revenue beat(8)-7.6%
Revenue beat(12)4
Avg Revenue beat(12)2.04%
Revenue beat(16)7
Avg Revenue beat(16)1.48%
PT rev (1m)0.07%
PT rev (3m)15.53%
EPS NQ rev (1m)0.63%
EPS NQ rev (3m)6.4%
EPS NY rev (1m)0.16%
EPS NY rev (3m)9.82%
Revenue NQ rev (1m)-0.25%
Revenue NQ rev (3m)1.12%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)1.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.72 | ||
| Fwd PE | 11.89 | ||
| P/S | 3.17 | ||
| P/FCF | 16.85 | ||
| P/OCF | 15.47 | ||
| P/B | 1.05 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.11
EY7.29%
EPS(NY)7.05
Fwd EY8.41%
FCF(TTM)4.98
FCFY5.94%
OCF(TTM)5.42
OCFY6.47%
SpS26.49
BVpS79.48
TBVpS79.45
PEG (NY)0.3
PEG (5Y)N/A
Graham Number104.53
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.87% | ||
| ROE | 7.79% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.38% | ||
| GM | N/A | ||
| FCFM | 18.79% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 2.72 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 39.37% | ||
| Cap/Sales | 1.68% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 80.38% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC16.65%
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)90.34%
EPS 3Y-2.08%
EPS 5Y-7.07%
EPS Q2Q%34.57%
EPS Next Y45.34%
EPS Next 2Y27.92%
EPS Next 3Y19.85%
EPS Next 5YN/A
Revenue 1Y (TTM)35.49%
Revenue growth 3Y0.92%
Revenue growth 5Y-2.75%
Sales Q2Q%171.56%
Revenue Next Year22.38%
Revenue Next 2Y15.72%
Revenue Next 3Y12.42%
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 1Y113.65%
FCF growth 3Y-13.94%
FCF growth 5YN/A
OCF growth 1Y106.72%
OCF growth 3Y-9.88%
OCF growth 5YN/A
TEXAS CAPITAL BANCSHARES INC / TCBI FAQ
Can you provide the ChartMill fundamental rating for TEXAS CAPITAL BANCSHARES INC?
ChartMill assigns a fundamental rating of 3 / 10 to TCBI.
Can you provide the valuation status for TEXAS CAPITAL BANCSHARES INC?
ChartMill assigns a valuation rating of 3 / 10 to TEXAS CAPITAL BANCSHARES INC (TCBI). This can be considered as Overvalued.
How profitable is TEXAS CAPITAL BANCSHARES INC (TCBI) stock?
TEXAS CAPITAL BANCSHARES INC (TCBI) has a profitability rating of 3 / 10.
What are the PE and PB ratios of TEXAS CAPITAL BANCSHARES INC (TCBI) stock?
The Price/Earnings (PE) ratio for TEXAS CAPITAL BANCSHARES INC (TCBI) is 13.72 and the Price/Book (PB) ratio is 1.05.
What is the financial health of TEXAS CAPITAL BANCSHARES INC (TCBI) stock?
The financial health rating of TEXAS CAPITAL BANCSHARES INC (TCBI) is 3 / 10.