94.28 USD
+1.04 (+1.12%)
Taking everything into account, TCBI scores 3 out of 10 in our fundamental rating. TCBI was compared to 387 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.
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.
TCBI had positive earnings in each of the past 5 years.
In the past 5 years TCBI always reported a positive cash flow from operatings.
1.2 Ratios
TCBI has a Return On Assets of 0.87%. This is comparable to the rest of the industry: TCBI outperforms 47.29% of its industry peers.
TCBI has a Return On Equity (7.79%) which is comparable to the rest of the 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
Looking at the Profit Margin, with a value of 23.38%, TCBI is in line with its industry, outperforming 44.44% of the companies in the same industry.
TCBI's Profit Margin has declined in the last couple of years.
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-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.
Compared to 1 year ago, TCBI has less shares outstanding
TCBI has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, TCBI has an improved debt to assets ratio.
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.
TCBI has a Debt to FCF ratio (2.72) which is in line with its industry peers.
A Debt/Equity ratio of 0.17 indicates that TCBI is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.17, TCBI perfoms like the industry average, outperforming 49.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 2.72 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.1%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
TCBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 90.34%, which is quite impressive.
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.
TCBI shows a strong growth in Revenue. In the last year, 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
The Earnings Per Share is expected to grow by 22.53% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 12.49% on average over the next years. This is quite good.
EPS Next Y52.82%
EPS Next 2Y29.96%
EPS Next 3Y22.53%
EPS Next 5YN/A
Revenue Next Year22.96%
Revenue Next 2Y15.18%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 15.43, which indicates a correct valuation of TCBI.
Based on the Price/Earnings ratio, TCBI is valued a bit more expensive than 70.54% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.29. TCBI is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 12.95, which indicates a correct valuation of TCBI.
Based on the Price/Forward Earnings ratio, TCBI is valued a bit more expensive than 68.73% of the companies in the same industry.
TCBI is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.51, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.43 | ||
| Fwd PE | 12.95 |
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 70.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.89 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
TCBI's 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)0.29
PEG (5Y)N/A
EPS Next 2Y29.96%
EPS Next 3Y22.53%
5. Dividend
5.1 Amount
TCBI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:TCBI (12/10/2025, 12:17:26 PM)
94.28
+1.04 (+1.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners102.58%
Inst Owner Change0.3%
Ins Owners1.73%
Ins Owner Change0.37%
Market Cap4.30B
Revenue(TTM)1.21B
Net Income(TTM)283.36M
Analysts69
Price Target95.15 (0.92%)
Short Float %3.72%
Short Ratio3.48
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)0.77%
PT rev (3m)1.21%
EPS NQ rev (1m)1.09%
EPS NQ rev (3m)-3.66%
EPS NY rev (1m)1.06%
EPS NY rev (3m)5.32%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.09%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.43 | ||
| Fwd PE | 12.95 | ||
| P/S | 3.55 | ||
| P/FCF | 18.89 | ||
| P/OCF | 17.35 | ||
| P/B | 1.18 | ||
| P/tB | 1.18 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.11
EY6.48%
EPS(NY)7.28
Fwd EY7.72%
FCF(TTM)4.99
FCFY5.29%
OCF(TTM)5.44
OCFY5.77%
SpS26.56
BVpS79.69
TBVpS79.66
PEG (NY)0.29
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
WACC16.1%
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 Y52.82%
EPS Next 2Y29.96%
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 2Y15.18%
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 3 / 10 to TCBI.
Can you provide the valuation status for TEXAS CAPITAL BANCSHARES INC?
ChartMill assigns a valuation rating of 3 / 10 to TEXAS CAPITAL BANCSHARES INC (TCBI). This can be considered as Overvalued.
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 15.43 and the Price/Book (PB) ratio is 1.18.
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.