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TEXAS CAPITAL BANCSHARES INC (TCBI) Stock Fundamental Analysis

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

76.05  +3.68 (+5.08%)

After market: 76.05 0 (0%)

Fundamental Rating

3

Taking everything into account, TCBI scores 3 out of 10 in our fundamental rating. TCBI was compared to 396 industry peers in the Banks industry. Both the profitability and financial health of TCBI have multiple concerns. TCBI is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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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.
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.
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

The Return On Assets of TCBI (0.26%) is worse than 86.11% of its industry peers.
TCBI has a Return On Equity of 2.37%. This is amonst the worse of the industry: TCBI underperforms 86.11% of its industry peers.
Industry RankSector Rank
ROA 0.26%
ROE 2.37%
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

Looking at the Profit Margin, with a value of 8.49%, TCBI is doing worse than 84.60% of the companies in the same industry.
In the last couple of years the Profit Margin of TCBI has declined.
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) 8.49%
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

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3

2. Health

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.
TCBI has less shares outstanding than it did 5 years ago.
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 1.95. This is a very positive value and a sign of high solvency as it would only need 1.95 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.95, TCBI is in line with its industry, outperforming 49.49% of the companies in the same industry.
TCBI has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
TCBI has a Debt to Equity ratio (0.19) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.95
Altman-Z N/A
ROIC/WACCN/A
WACC17.39%
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

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 44.55% over the past year.
The Earnings Per Share has been decreasing by -7.07% on average over the past years.
Looking at the last year, TCBI shows a decrease in Revenue. The Revenue has decreased by -9.69% in the last year.
Measured over the past years, TCBI shows a decrease in Revenue. The Revenue has been decreasing by -2.75% on average per year.
EPS 1Y (TTM)44.55%
EPS 3Y-2.08%
EPS 5Y-7.07%
EPS Q2Q%100%
Revenue 1Y (TTM)-9.69%
Revenue growth 3Y0.92%
Revenue growth 5Y-2.75%
Sales Q2Q%9.42%

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 17.42% yearly.
The Revenue is expected to grow by 11.01% on average over the next years. This is quite good.
EPS Next Y31.7%
EPS Next 2Y23%
EPS Next 3Y17.42%
EPS Next 5YN/A
Revenue Next Year20.36%
Revenue Next 2Y14.68%
Revenue Next 3Y11.01%
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.
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 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

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4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 15.94, the valuation of TCBI can be described as correct.
Based on the Price/Earnings ratio, TCBI is valued a bit more expensive than the industry average as 72.98% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 26.52. TCBI is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 11.66 indicates a reasonable valuation of TCBI.
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 66.67% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of TCBI to the average of the S&P500 Index (22.25), we can say TCBI is valued slightly cheaper.
Industry RankSector Rank
PE 15.94
Fwd PE 11.66
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 10.31
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

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 17.42% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.5
PEG (5Y)N/A
EPS Next 2Y23%
EPS Next 3Y17.42%

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0

5. Dividend

5.1 Amount

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

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TEXAS CAPITAL BANCSHARES INC

NASDAQ:TCBI (6/6/2025, 8:00:01 PM)

After market: 76.05 0 (0%)

76.05

+3.68 (+5.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-17 2025-04-17/bmo
Earnings (Next)07-16 2025-07-16/bmo
Inst Owners101.29%
Inst Owner Change2.23%
Ins Owners1.67%
Ins Owner Change6.45%
Market Cap3.49B
Analysts70
Price Target79.19 (4.13%)
Short Float %3.79%
Short Ratio3.27
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.37
Dividend Growth(5Y)13.5%
DP21.25%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)11.43%
Min EPS beat(2)-6.76%
Max EPS beat(2)29.63%
EPS beat(4)2
Avg EPS beat(4)20.66%
Min EPS beat(4)-8.93%
Max EPS beat(4)68.72%
EPS beat(8)4
Avg EPS beat(8)6.36%
EPS beat(12)4
Avg EPS beat(12)-6.29%
EPS beat(16)6
Avg EPS beat(16)-5.11%
Revenue beat(2)0
Avg Revenue beat(2)-2.62%
Min Revenue beat(2)-3.45%
Max Revenue beat(2)-1.8%
Revenue beat(4)0
Avg Revenue beat(4)-14.71%
Min Revenue beat(4)-51.56%
Max Revenue beat(4)-1.8%
Revenue beat(8)0
Avg Revenue beat(8)-8.45%
Revenue beat(12)4
Avg Revenue beat(12)2.01%
Revenue beat(16)5
Avg Revenue beat(16)0.45%
PT rev (1m)-0.78%
PT rev (3m)-9.29%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7.82%
EPS NY rev (1m)-0.88%
EPS NY rev (3m)-0.32%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.39%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.16%
Valuation
Industry RankSector Rank
PE 15.94
Fwd PE 11.66
P/S 3.65
P/FCF 10.31
P/OCF 9.05
P/B 1.02
P/tB 1.02
EV/EBITDA N/A
EPS(TTM)4.77
EY6.27%
EPS(NY)6.52
Fwd EY8.57%
FCF(TTM)7.37
FCFY9.7%
OCF(TTM)8.4
OCFY11.05%
SpS20.84
BVpS74.72
TBVpS74.69
PEG (NY)0.5
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.26%
ROE 2.37%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 8.49%
GM N/A
FCFM 35.38%
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 0.19
Debt/FCF 1.95
Debt/EBITDA N/A
Cap/Depr 89.86%
Cap/Sales 4.94%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 417.01%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC17.39%
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)44.55%
EPS 3Y-2.08%
EPS 5Y-7.07%
EPS Q2Q%100%
EPS Next Y31.7%
EPS Next 2Y23%
EPS Next 3Y17.42%
EPS Next 5YN/A
Revenue 1Y (TTM)-9.69%
Revenue growth 3Y0.92%
Revenue growth 5Y-2.75%
Sales Q2Q%9.42%
Revenue Next Year20.36%
Revenue Next 2Y14.68%
Revenue Next 3Y11.01%
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 1Y306.31%
FCF growth 3Y-13.94%
FCF growth 5YN/A
OCF growth 1Y313.36%
OCF growth 3Y-9.88%
OCF growth 5YN/A