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TEXAS CAPITAL BANCSHARES INC (TCBI) Stock Fundamental Analysis

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

86.35  -1.12 (-1.28%)

After market: 86.35 0 (0%)

Fundamental Rating

3

Taking everything into account, TCBI scores 3 out of 10 in our fundamental rating. TCBI was compared to 394 industry peers in the Banks industry. TCBI may be in some trouble as it scores bad on both profitability and health. 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.
TCBI had a positive operating cash flow in the past year.
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

Looking at the Return On Assets, with a value of 0.26%, TCBI is doing worse than 86.04% of the companies in the same industry.
With a Return On Equity value of 2.37%, TCBI is not doing good in the industry: 86.04% of the companies in the same industry are doing better.
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 84.26% 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.
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.
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

The Debt to FCF ratio of TCBI is 1.95, which is an excellent value as it means it would take TCBI, only 1.95 years of fcf income to pay off all of its debts.
TCBI has a Debt to FCF ratio (1.95) which is in line with its industry peers.
A Debt/Equity ratio of 0.19 indicates that TCBI is not too dependend on debt financing.
TCBI's Debt to Equity ratio of 0.19 is in line compared to the rest of the industry. TCBI outperforms 43.65% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.95
Altman-Z N/A
ROIC/WACCN/A
WACC16.73%
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.
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.
The Revenue has decreased by -9.69% in the past year.
The Revenue has been decreasing by -2.75% on average over the past years.
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 17.61% yearly.
The Revenue is expected to grow by 11.94% on average over the next years. This is quite good.
EPS Next Y32.34%
EPS Next 2Y23.26%
EPS Next 3Y17.61%
EPS Next 5YN/A
Revenue Next Year20.46%
Revenue Next 2Y14.97%
Revenue Next 3Y11.94%
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.
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.
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

TCBI is valuated rather expensively with a Price/Earnings ratio of 18.10.
TCBI's Price/Earnings ratio is a bit more expensive when compared to the industry. TCBI is more expensive than 75.13% of the companies in the same industry.
When comparing the Price/Earnings ratio of TCBI to the average of the S&P500 Index (27.41), we can say TCBI is valued slightly cheaper.
The Price/Forward Earnings ratio is 13.19, which indicates a correct valuation of TCBI.
TCBI's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TCBI is more expensive than 69.04% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.19, TCBI is valued rather cheaply.
Industry RankSector Rank
PE 18.1
Fwd PE 13.19
TCBI Price Earnings VS Forward Price EarningsTCBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

TCBI's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 11.71
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.
A more expensive valuation may be justified as TCBI's earnings are expected to grow with 17.61% in the coming years.
PEG (NY)0.56
PEG (5Y)N/A
EPS Next 2Y23.26%
EPS Next 3Y17.61%

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0

5. Dividend

5.1 Amount

TCBI does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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TEXAS CAPITAL BANCSHARES INC

NASDAQ:TCBI (7/11/2025, 8:00:00 PM)

After market: 86.35 0 (0%)

86.35

-1.12 (-1.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-17 2025-04-17/bmo
Earnings (Next)07-17 2025-07-17/bmo
Inst Owners103.19%
Inst Owner Change-0.01%
Ins Owners1.71%
Ins Owner Change6.57%
Market Cap3.96B
Analysts69.47
Price Target79.9 (-7.47%)
Short Float %3.59%
Short Ratio3.73
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)0.9%
PT rev (3m)-7.75%
EPS NQ rev (1m)0.93%
EPS NQ rev (3m)-7.6%
EPS NY rev (1m)0.48%
EPS NY rev (3m)-0.24%
Revenue NQ rev (1m)0.25%
Revenue NQ rev (3m)-1.06%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 18.1
Fwd PE 13.19
P/S 4.14
P/FCF 11.71
P/OCF 10.28
P/B 1.16
P/tB 1.16
EV/EBITDA N/A
EPS(TTM)4.77
EY5.52%
EPS(NY)6.55
Fwd EY7.58%
FCF(TTM)7.37
FCFY8.54%
OCF(TTM)8.4
OCFY9.73%
SpS20.84
BVpS74.72
TBVpS74.69
PEG (NY)0.56
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
WACC16.73%
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 Y32.34%
EPS Next 2Y23.26%
EPS Next 3Y17.61%
EPS Next 5YN/A
Revenue 1Y (TTM)-9.69%
Revenue growth 3Y0.92%
Revenue growth 5Y-2.75%
Sales Q2Q%9.42%
Revenue Next Year20.46%
Revenue Next 2Y14.97%
Revenue Next 3Y11.94%
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