87.95 USD
+3.13 (+3.69%)
87.95 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to TCBI. TCBI was compared to 387 industry peers in the Banks industry. TCBI has a bad profitability rating. Also its financial health evaluation is rather negative. TCBI is not valued too expensively and it also shows a decent growth rate.
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.
In the past 5 years TCBI has always been profitable.
Each year in the past 5 years TCBI had a positive operating cash flow.
1.2 Ratios
The Return On Assets of TCBI (0.87%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 7.79%, TCBI is in line with its industry, outperforming 40.62% of the companies in the same industry.
| 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
TCBI's Profit Margin of 23.38% is in line compared to the rest of the industry. TCBI outperforms 45.24% of its industry peers.
In the last couple of years the Profit Margin of TCBI has declined.
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.
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.
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.
TCBI's Debt to FCF ratio of 2.72 is in line compared to the rest of the industry. TCBI outperforms 41.39% of its industry peers.
A Debt/Equity ratio of 0.17 indicates that TCBI is not too dependend on debt financing.
TCBI has a Debt to Equity ratio (0.17) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 2.72 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.32%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 90.34% 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.
Looking at the last year, TCBI shows a very strong growth in Revenue. The Revenue has grown by 35.49%.
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 very strong growth in Earnings Per Share. The EPS will grow by 22.53% on average per year.
The Revenue is expected to grow by 12.49% on average over the next years. This is quite good.
EPS Next Y51.21%
EPS Next 2Y29.62%
EPS Next 3Y22.53%
EPS Next 5YN/A
Revenue Next Year22.96%
Revenue Next 2Y15.14%
Revenue Next 3Y12.49%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last 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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 14.39, TCBI is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of TCBI indicates a slightly more expensive valuation: TCBI is more expensive than 67.35% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of TCBI to the average of the S&P500 Index (25.47), we can say TCBI is valued slightly cheaper.
A Price/Forward Earnings ratio of 12.15 indicates a correct valuation of TCBI.
Based on the Price/Forward Earnings ratio, TCBI is valued a bit more expensive than 67.35% of the companies in the same industry.
TCBI is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.42, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.39 | ||
| Fwd PE | 12.15 |
4.2 Price Multiples
TCBI's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. TCBI is more expensive than 68.38% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.62 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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 22.53% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.28
PEG (5Y)N/A
EPS Next 2Y29.62%
EPS Next 3Y22.53%
5. Dividend
5.1 Amount
TCBI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
87.95
+3.13 (+3.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners102.42%
Inst Owner Change0.32%
Ins Owners1.72%
Ins Owner Change0.37%
Market Cap4.01B
Revenue(TTM)1.21B
Net Income(TTM)283.36M
Analysts69
Price Target95.15 (8.19%)
Short Float %3.32%
Short Ratio3.07
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)1.14%
PT rev (3m)1.21%
EPS NQ rev (1m)-4.17%
EPS NQ rev (3m)-3.57%
EPS NY rev (1m)4.04%
EPS NY rev (3m)14.26%
Revenue NQ rev (1m)-1.85%
Revenue NQ rev (3m)-2.09%
Revenue NY rev (1m)0.47%
Revenue NY rev (3m)0.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.39 | ||
| Fwd PE | 12.15 | ||
| P/S | 3.31 | ||
| P/FCF | 17.62 | ||
| P/OCF | 16.18 | ||
| P/B | 1.1 | ||
| P/tB | 1.1 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.11
EY6.95%
EPS(NY)7.24
Fwd EY8.23%
FCF(TTM)4.99
FCFY5.67%
OCF(TTM)5.44
OCFY6.18%
SpS26.56
BVpS79.69
TBVpS79.66
PEG (NY)0.28
PEG (5Y)N/A
Graham Number104.67
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
WACC16.32%
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 Y51.21%
EPS Next 2Y29.62%
EPS Next 3Y22.53%
EPS Next 5YN/A
Revenue 1Y (TTM)35.49%
Revenue growth 3Y0.92%
Revenue growth 5Y-2.75%
Sales Q2Q%171.56%
Revenue Next Year22.96%
Revenue Next 2Y15.14%
Revenue Next 3Y12.49%
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 4 / 10 to TCBI.
Can you provide the valuation status for TEXAS CAPITAL BANCSHARES INC?
ChartMill assigns a valuation rating of 4 / 10 to TEXAS CAPITAL BANCSHARES INC (TCBI). This can be considered as Fairly Valued.
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 14.39 and the Price/Book (PB) ratio is 1.1.
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.