TEXAS CAPITAL BANCSHARES INC (TCBI) Fundamental Analysis & Valuation

NASDAQ:TCBI • US88224Q1076

Current stock price

100.795 USD
+2.25 (+2.29%)
Last:

This TCBI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. TCBI Profitability Analysis

1.1 Basic Checks

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

1.2 Ratios

  • The Return On Assets of TCBI (1.01%) is comparable to the rest of the industry.
  • TCBI has a Return On Equity of 9.42%. This is comparable to the rest of the industry: TCBI outperforms 51.06% of its industry peers.
Industry RankSector Rank
ROA 1.01%
ROE 9.42%
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 (26.15%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of TCBI has grown nicely.
  • TCBI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 26.15%
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. TCBI Health Analysis

2.1 Basic Checks

  • TCBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • TCBI has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, TCBI has less shares outstanding
  • TCBI has a better debt/assets ratio than last year.
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 2.02. This is a good value and a sign of high solvency as TCBI would need 2.02 years to pay back of all of its debts.
  • TCBI's Debt to FCF ratio of 2.02 is in line compared to the rest of the industry. TCBI outperforms 47.87% of its industry peers.
  • TCBI has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of TCBI (0.24) is worse than 63.03% of its industry peers.
  • Even though the debt/equity ratio score it not favorable for TCBI, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 2.02
Altman-Z N/A
ROIC/WACCN/A
WACC17.12%
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. TCBI Growth Analysis

3.1 Past

  • TCBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 55.97%, 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
  • TCBI shows a strong growth in Revenue. In the last year, the Revenue has grown by 35.84%.
  • 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)55.97%
EPS 3Y41.31%
EPS 5Y43.69%
EPS Q2Q%69.57%
Revenue 1Y (TTM)35.84%
Revenue growth 3Y0.82%
Revenue growth 5Y3.56%
Sales Q2Q%15.51%

3.2 Future

  • TCBI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.54% yearly.
  • TCBI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.79% yearly.
EPS Next Y13.02%
EPS Next 2Y12.17%
EPS Next 3Y12.54%
EPS Next 5YN/A
Revenue Next Year7.74%
Revenue Next 2Y7.61%
Revenue Next 3Y7.79%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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4

4. TCBI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.55, the valuation of TCBI can be described as correct.
  • Based on the Price/Earnings ratio, TCBI is valued a bit more expensive than 61.44% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.54. TCBI is valued slightly cheaper when compared to this.
  • TCBI is valuated reasonably with a Price/Forward Earnings ratio of 11.78.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of TCBI indicates a slightly more expensive valuation: TCBI is more expensive than 66.49% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 21.68, TCBI is valued a bit cheaper.
Industry RankSector Rank
PE 13.55
Fwd PE 11.78
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

  • Based on the Price/Free Cash Flow ratio, TCBI is valued a bit cheaper than the industry average as 71.81% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.23
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

  • TCBI's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • A more expensive valuation may be justified as TCBI's earnings are expected to grow with 12.54% in the coming years.
PEG (NY)1.04
PEG (5Y)0.31
EPS Next 2Y12.17%
EPS Next 3Y12.54%

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

2

5. TCBI Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.81%, TCBI is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.55, TCBI's dividend is way lower than its industry peers. On top of this 83.51% of the companies listed in the same industry pay a better dividend than TCBI!
  • Compared to an average S&P500 Dividend Yield of 1.82, TCBI's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.81%

5.2 History

  • On average, the dividend of TCBI grows each year by 14.24%, which is quite nice.
  • TCBI does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)14.24%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 5.08% of the earnings are spent on dividend by TCBI. This is a low number and sustainable payout ratio.
  • The dividend of TCBI is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP5.08%
EPS Next 2Y12.17%
EPS Next 3Y12.54%
TCBI Yearly Income VS Free CF VS DividendTCBI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B
TCBI Dividend Payout.TCBI Dividend Payout, showing the Payout Ratio.TCBI Dividend Payout.PayoutRetained Earnings

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TCBI Fundamentals: All Metrics, Ratios and Statistics

TEXAS CAPITAL BANCSHARES INC

NASDAQ:TCBI (4/30/2026, 3:42:04 PM)

100.795

+2.25 (+2.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength71.43
Industry Growth91.3
Earnings (Last)04-23
Earnings (Next)07-15
Inst Owners102.35%
Inst Owner Change-0.11%
Ins Owners1.01%
Ins Owner Change13.58%
Market Cap4.46B
Revenue(TTM)1.30B
Net Income(TTM)339.74M
Analysts69
Price Target109.06 (8.2%)
Short Float %6.97%
Short Ratio6.23
Dividend
Industry RankSector Rank
Dividend Yield 0.81%
Yearly Dividend0.38
Dividend Growth(5Y)14.24%
DP5.08%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.35%
Min EPS beat(2)8.99%
Max EPS beat(2)17.72%
EPS beat(4)4
Avg EPS beat(4)16.94%
Min EPS beat(4)8.99%
Max EPS beat(4)20.55%
EPS beat(8)6
Avg EPS beat(8)18.8%
EPS beat(12)8
Avg EPS beat(12)9.89%
EPS beat(16)8
Avg EPS beat(16)-0.48%
Revenue beat(2)0
Avg Revenue beat(2)-0.64%
Min Revenue beat(2)-0.96%
Max Revenue beat(2)-0.32%
Revenue beat(4)2
Avg Revenue beat(4)0.54%
Min Revenue beat(4)-0.96%
Max Revenue beat(4)2.69%
Revenue beat(8)2
Avg Revenue beat(8)-7.09%
Revenue beat(12)2
Avg Revenue beat(12)-5.45%
Revenue beat(16)6
Avg Revenue beat(16)1.65%
PT rev (1m)-0.73%
PT rev (3m)10.88%
EPS NQ rev (1m)3.16%
EPS NQ rev (3m)7.15%
EPS NY rev (1m)0.64%
EPS NY rev (3m)5.85%
Revenue NQ rev (1m)0.17%
Revenue NQ rev (3m)-0.07%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)0.15%
Valuation
Industry RankSector Rank
PE 13.55
Fwd PE 11.78
P/S 3.43
P/FCF 10.23
P/OCF 9.96
P/B 1.24
P/tB 1.24
EV/EBITDA N/A
EPS(TTM)7.44
EY7.38%
EPS(NY)8.56
Fwd EY8.49%
FCF(TTM)9.86
FCFY9.78%
OCF(TTM)10.12
OCFY10.04%
SpS29.39
BVpS81.57
TBVpS81.54
PEG (NY)1.04
PEG (5Y)0.31
Graham Number116.854 (15.93%)
Profitability
Industry RankSector Rank
ROA 1.01%
ROE 9.42%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.15%
GM N/A
FCFM 33.54%
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-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 2.02
Debt/EBITDA N/A
Cap/Depr 20.64%
Cap/Sales 0.89%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 128.28%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC17.12%
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)55.97%
EPS 3Y41.31%
EPS 5Y43.69%
EPS Q2Q%69.57%
EPS Next Y13.02%
EPS Next 2Y12.17%
EPS Next 3Y12.54%
EPS Next 5YN/A
Revenue 1Y (TTM)35.84%
Revenue growth 3Y0.82%
Revenue growth 5Y3.56%
Sales Q2Q%15.51%
Revenue Next Year7.74%
Revenue Next 2Y7.61%
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 1Y4.68%
FCF growth 3Y36.49%
FCF growth 5Y-33.32%
OCF growth 1Y-0.9%
OCF growth 3Y34.51%
OCF growth 5Y-32.86%

TEXAS CAPITAL BANCSHARES INC / TCBI Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for TEXAS CAPITAL BANCSHARES INC?

ChartMill assigns a fundamental rating of 4 / 10 to TCBI.


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

ChartMill assigns a valuation rating of 4 / 10 to TEXAS CAPITAL BANCSHARES INC (TCBI). This can be considered as Fairly Valued.


Can you provide the profitability details for TEXAS CAPITAL BANCSHARES INC?

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 13.55 and the Price/Book (PB) ratio is 1.24.


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 13.02% in the next year.