101.17 USD
+0.14 (+0.14%)
At close: Jan 30, 2026
101.17 USD
0 (0%)
After Hours: 1/30/2026, 8:20:39 PM
We assign a fundamental rating of 3 out of 10 to TCBI. TCBI was compared to 383 industry peers in the Banks industry. TCBI has a bad profitability rating. Also its financial health evaluation is rather negative. TCBI is valied quite expensively at the moment, while it does show a decent growth rate.
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.
- Of the past 5 years TCBI 4 years had a positive operating cash flow.
1.2 Ratios
- TCBI's Return On Assets of 0.87% is in line compared to the rest of the industry. TCBI outperforms 47.00% of its industry peers.
- TCBI's Return On Equity of 7.79% is on the low side compared to the rest of the industry. TCBI is outperformed by 60.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.87% | ||
| ROE | 7.79% | ||
| 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
1.3 Margins
- TCBI has a Profit Margin of 23.38%. This is comparable to the rest of the industry: TCBI outperforms 44.65% of 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 23.38% | ||
| 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
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
- The number of shares outstanding for TCBI has been reduced compared to 5 years ago.
- TCBI has a better debt/assets ratio than last year.
2.2 Solvency
- TCBI has a debt to FCF ratio of 2.72. This is a good value and a sign of high solvency as TCBI would need 2.72 years to pay back of all of its debts.
- With a Debt to FCF ratio value of 2.72, TCBI is not doing good in the industry: 60.31% of the companies in the same industry are doing better.
- A Debt/Equity ratio of 0.17 indicates that TCBI is not too dependend on debt financing.
- TCBI has a Debt to Equity ratio of 0.17. This is comparable to the rest of the industry: TCBI outperforms 49.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 2.72 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.76%
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 57.77% over the past year.
- 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 34.69%.
- TCBI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.56% yearly.
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
- Based on estimates for the next years, TCBI will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.27% on average per year.
- The Revenue is expected to grow by 7.61% on average over the next years.
EPS Next Y6.77%
EPS Next 2Y8.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.58%
Revenue Next 2Y7.61%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less 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
- The Price/Earnings ratio is 14.88, which indicates a correct valuation of TCBI.
- 67.62% of the companies in the same industry are cheaper than TCBI, based on the Price/Earnings ratio.
- Compared to an average S&P500 Price/Earnings ratio of 28.30, TCBI is valued a bit cheaper.
- The Price/Forward Earnings ratio is 13.93, which indicates a correct valuation of TCBI.
- 71.02% of the companies in the same industry are cheaper than TCBI, based on the Price/Forward Earnings ratio.
- The average S&P500 Price/Forward Earnings ratio is at 25.57. TCBI is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.88 | ||
| Fwd PE | 13.93 |
4.2 Price Multiples
- 71.28% 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 | 20.27 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates TCBI does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.2
PEG (5Y)0.34
EPS Next 2Y8.27%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- No dividends for TCBI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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 2 / 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 6.77% in the next year.