TEXAS CAPITAL BANCSHARES INC (TCBI) Stock Fundamental Analysis

NASDAQ:TCBI • US88224Q1076

95.53 USD
-0.86 (-0.89%)
At close: Mar 3, 2026
95.76 USD
+0.23 (+0.24%)
After Hours: 3/3/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

TCBI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. TCBI may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, TCBI is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • TCBI had positive earnings in the past year.
  • TCBI had a positive operating cash flow in the past year.
  • Each year in the past 5 years TCBI has been profitable.
  • In the past 5 years TCBI always reported a positive cash flow from operatings.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B

1.2 Ratios

  • With a Return On Assets value of 0.99%, TCBI perfoms like the industry average, outperforming 56.73% of the companies in the same industry.
  • With a Return On Equity value of 8.62%, TCBI perfoms like the industry average, outperforming 46.17% of the companies in the same industry.
Industry RankSector Rank
ROA 0.99%
ROE 8.62%
ROIC N/A
ROA(3y)0.6%
ROA(5y)0.72%
ROE(3y)5.26%
ROE(5y)6.69%
ROIC(3y)N/A
ROIC(5y)N/A
TCBI Yearly ROA, ROE, ROICTCBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • TCBI has a Profit Margin (24.92%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of TCBI has grown nicely.
  • 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) 24.92%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.05%
PM growth 5Y35.99%
GM growth 3YN/A
GM growth 5YN/A
TCBI Yearly Profit, Operating, Gross MarginsTCBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • TCBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for TCBI has been reduced compared to 1 year ago.
  • The number of shares outstanding for TCBI has been reduced compared to 5 years ago.
  • The debt/assets ratio for TCBI has been reduced compared to a year ago.
TCBI Yearly Shares OutstandingTCBI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
TCBI Yearly Total Debt VS Total AssetsTCBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.2 Solvency

  • TCBI has a debt to FCF ratio of 1.87. This is a very positive value and a sign of high solvency as it would only need 1.87 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 1.87, TCBI perfoms like the industry average, outperforming 50.13% of the companies in the same industry.
  • 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 47.23% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.87
Altman-Z N/A
ROIC/WACCN/A
WACC17.03%
TCBI Yearly LT Debt VS Equity VS FCFTCBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • TCBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 57.77%, which is quite impressive.
  • The Earnings Per Share has been growing by 43.69% on average over the past years. This is a very strong growth
  • Looking at the last year, TCBI shows a very strong growth in Revenue. The Revenue has grown by 34.69%.
  • Measured over the past years, TCBI shows a small growth in Revenue. The Revenue has been growing by 3.56% on average per year.
EPS 1Y (TTM)57.77%
EPS 3Y41.31%
EPS 5Y43.69%
EPS Q2Q%48.25%
Revenue 1Y (TTM)34.69%
Revenue growth 3Y0.82%
Revenue growth 5Y3.56%
Sales Q2Q%15.44%

3.2 Future

  • The Earnings Per Share is expected to grow by 12.54% on average over the next years. This is quite good.
  • TCBI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.79% yearly.
EPS Next Y12.19%
EPS Next 2Y11.84%
EPS Next 3Y12.54%
EPS Next 5YN/A
Revenue Next Year7.66%
Revenue Next 2Y7.57%
Revenue Next 3Y7.79%
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B
TCBI Yearly EPS VS EstimatesTCBI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 14.05 indicates a correct valuation of TCBI.
  • Compared to the rest of the industry, the Price/Earnings ratio of TCBI indicates a slightly more expensive valuation: TCBI is more expensive than 66.75% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.83. TCBI is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 12.52 indicates a correct valuation of TCBI.
  • TCBI's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TCBI is more expensive than 66.49% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of TCBI to the average of the S&P500 Index (24.95), we can say TCBI is valued slightly cheaper.
Industry RankSector Rank
PE 14.05
Fwd PE 12.52
TCBI Price Earnings VS Forward Price EarningsTCBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • TCBI's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 12.16
EV/EBITDA N/A
TCBI Per share dataTCBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • TCBI's earnings are expected to grow with 12.54% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.15
PEG (5Y)0.32
EPS Next 2Y11.84%
EPS Next 3Y12.54%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for TCBI!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

TEXAS CAPITAL BANCSHARES INC

NASDAQ:TCBI (3/3/2026, 8:00:01 PM)

After market: 95.76 +0.23 (+0.24%)

95.53

-0.86 (-0.89%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-15
Inst Owners102.57%
Inst Owner Change-9.84%
Ins Owners1.73%
Ins Owner Change3.83%
Market Cap4.23B
Revenue(TTM)1.26B
Net Income(TTM)312.99M
Analysts69.47
Price Target107.96 (13.01%)
Short Float %4.25%
Short Ratio3.81
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.38
Dividend Growth(5Y)14.24%
DP5.51%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)19.13%
Min EPS beat(2)17.72%
Max EPS beat(2)20.55%
EPS beat(4)3
Avg EPS beat(4)13%
Min EPS beat(4)-6.76%
Max EPS beat(4)20.55%
EPS beat(8)5
Avg EPS beat(8)14.62%
EPS beat(12)7
Avg EPS beat(12)7.38%
EPS beat(16)7
Avg EPS beat(16)-1.5%
Revenue beat(2)1
Avg Revenue beat(2)0.87%
Min Revenue beat(2)-0.96%
Max Revenue beat(2)2.69%
Revenue beat(4)2
Avg Revenue beat(4)-0.24%
Min Revenue beat(4)-3.45%
Max Revenue beat(4)2.69%
Revenue beat(8)2
Avg Revenue beat(8)-7.14%
Revenue beat(12)3
Avg Revenue beat(12)-5.38%
Revenue beat(16)6
Avg Revenue beat(16)1.26%
PT rev (1m)11.69%
PT rev (3m)13.46%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.96%
EPS NY rev (1m)5.07%
EPS NY rev (3m)5.35%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.2%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)-0.22%
Valuation
Industry RankSector Rank
PE 14.05
Fwd PE 12.52
P/S 3.37
P/FCF 12.16
P/OCF 11.74
P/B 1.16
P/tB 1.16
EV/EBITDA N/A
EPS(TTM)6.8
EY7.12%
EPS(NY)7.63
Fwd EY7.99%
FCF(TTM)7.86
FCFY8.22%
OCF(TTM)8.14
OCFY8.52%
SpS28.38
BVpS82.07
TBVpS82.03
PEG (NY)1.15
PEG (5Y)0.32
Graham Number112.05
Profitability
Industry RankSector Rank
ROA 0.99%
ROE 8.62%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.92%
GM N/A
FCFM 27.68%
ROA(3y)0.6%
ROA(5y)0.72%
ROE(3y)5.26%
ROE(5y)6.69%
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-1.05%
PM growth 5Y35.99%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.87
Debt/EBITDA N/A
Cap/Depr 24.09%
Cap/Sales 1%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 111.05%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC17.03%
ROIC/WACCN/A
Cap/Depr(3y)61.38%
Cap/Depr(5y)42.69%
Cap/Sales(3y)3.16%
Cap/Sales(5y)2.17%
Profit Quality(3y)336.59%
Profit Quality(5y)266.17%
High Growth Momentum
Growth
EPS 1Y (TTM)57.77%
EPS 3Y41.31%
EPS 5Y43.69%
EPS Q2Q%48.25%
EPS Next Y12.19%
EPS Next 2Y11.84%
EPS Next 3Y12.54%
EPS Next 5YN/A
Revenue 1Y (TTM)34.69%
Revenue growth 3Y0.82%
Revenue growth 5Y3.56%
Sales Q2Q%15.44%
Revenue Next Year7.66%
Revenue Next 2Y7.57%
Revenue Next 3Y7.79%
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 1Y-16.5%
FCF growth 3Y36.49%
FCF growth 5Y-33.32%
OCF growth 1Y-25.14%
OCF growth 3Y34.51%
OCF growth 5Y-32.86%

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.


What is the valuation status of TEXAS CAPITAL BANCSHARES INC (TCBI) stock?

ChartMill assigns a valuation rating of 3 / 10 to TEXAS CAPITAL BANCSHARES INC (TCBI). This can be considered as Overvalued.


What is the profitability of TCBI stock?

TEXAS CAPITAL BANCSHARES INC (TCBI) has a profitability rating of 3 / 10.


How financially healthy is TEXAS CAPITAL BANCSHARES INC?

The financial health rating of TEXAS CAPITAL BANCSHARES INC (TCBI) is 3 / 10.


Can you provide the expected EPS growth for TCBI stock?

The Earnings per Share (EPS) of TEXAS CAPITAL BANCSHARES INC (TCBI) is expected to grow by 12.19% in the next year.