TCBI Fundamental Analysis - TEXAS CAPITAL BANCSHARES INC

Fundamental Rating

TCBI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. Both the profitability and financial health of TCBI have multiple concerns. TCBI has a correct valuation and a medium growth rate.

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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.

Each year in the past 5 years TCBI has 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 (0.37%) is worse than 80.82% of its industry peers.

TCBI's Return On Equity of 3.33% is on the low side compared to the rest of the industry. TCBI is outperformed by 81.59% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.37%
ROE	3.33%
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 has a worse Profit Margin (11.72%) than 79.28% 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)	11.72%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

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 1.61, which is an excellent value as it means it would take TCBI, only 1.61 years of fcf income to pay off all of its debts.

TCBI has a Debt to FCF ratio of 1.61. This is comparable to the rest of the industry: TCBI outperforms 54.48% of its industry peers.

A Debt/Equity ratio of 0.18 indicates that TCBI is not too dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.18, TCBI is in line with its industry, outperforming 50.38% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	1.61
Altman-Z	N/A

ROIC/WACCN/A

WACC17.01%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

TCBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 100.36%, which is quite impressive.

The Earnings Per Share has been decreasing by -7.07% on average over the past years.

The Revenue has decreased by -4.89% in the past year.

TCBI shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.75% yearly.

EPS 1Y (TTM)100.36%

EPS 3Y-2.08%

EPS 5Y-7.07%

EPS Q2Q%97.5%

Revenue 1Y (TTM)-4.89%

Revenue growth 3Y0.92%

Revenue growth 5Y-2.75%

Sales Q2Q%15.15%

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 18.71% on average per year.

Based on estimates for the next years, TCBI will show a quite strong growth in Revenue. The Revenue will grow by 12.22% on average per year.

EPS Next Y45.1%

EPS Next 2Y27.77%

EPS Next 3Y18.71%

EPS Next 5YN/A

Revenue Next Year22.48%

Revenue Next 2Y15.72%

Revenue Next 3Y12.22%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.21, TCBI is valued correctly.

Based on the Price/Earnings ratio, TCBI is valued a bit more expensive than the industry average as 66.50% of the companies are valued more cheaply.

Compared to an average S&P500 Price/Earnings ratio of 27.42, TCBI is valued a bit cheaper.

With a Price/Forward Earnings ratio of 11.21, the valuation of TCBI can be described as very reasonable.

Based on the Price/Forward Earnings ratio, TCBI is valued a bit more expensive than the industry average as 62.66% of the companies are valued more cheaply.

When comparing the Price/Forward Earnings ratio of TCBI to the average of the S&P500 Index (22.94), we can say TCBI is valued rather cheaply.

		Industry Rank	Sector Rank
PE	14.21
Fwd PE	11.21

4.2 Price Multiples

68.29% of the companies in the same industry are more expensive than TCBI, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	9.39
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.

A more expensive valuation may be justified as TCBI's earnings are expected to grow with 18.71% in the coming years.

PEG (NY)0.32

PEG (5Y)N/A

EPS Next 2Y27.77%

EPS Next 3Y18.71%

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5. Dividend

5.1 Amount

TCBI does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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TEXAS CAPITAL BANCSHARES INC

NASDAQ:TCBI (10/17/2025, 8:00:01 PM)

After market: 78.8 -0.09 (-0.11%)

78.89

+1.81 (+2.35%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-17 2025-07-17/bmo

Earnings (Next)10-22 2025-10-22/amc

Inst Owners102.42%

Inst Owner Change0.12%

Ins Owners1.72%

Ins Owner Change1.78%

Market Cap3.61B

Analysts69

Price Target94.08 (19.25%)

Short Float %3.76%

Short Ratio3.83

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly Dividend0.37

Dividend Growth(5Y)13.5%

DP14.77%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)6.87%

Min EPS beat(2)-6.76%

Max EPS beat(2)20.5%

EPS beat(4)3

Avg EPS beat(4)28.02%

Min EPS beat(4)-6.76%

Max EPS beat(4)68.72%

EPS beat(8)4

Avg EPS beat(8)4.29%

EPS beat(12)5

Avg EPS beat(12)-3.14%

EPS beat(16)6

Avg EPS beat(16)-4.2%

Revenue beat(2)1

Avg Revenue beat(2)-1.34%

Min Revenue beat(2)-3.45%

Max Revenue beat(2)0.76%

Revenue beat(4)1

Avg Revenue beat(4)-14.01%

Min Revenue beat(4)-51.56%

Max Revenue beat(4)0.76%

Revenue beat(8)1

Avg Revenue beat(8)-8.14%

Revenue beat(12)4

Avg Revenue beat(12)1.86%

Revenue beat(16)6

Avg Revenue beat(16)0.94%

PT rev (1m)0.07%

PT rev (3m)15.53%

EPS NQ rev (1m)0.05%

EPS NQ rev (3m)7.62%

EPS NY rev (1m)0%

EPS NY rev (3m)9.64%

Revenue NQ rev (1m)0.02%

Revenue NQ rev (3m)0.93%

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.67%

Valuation

		Industry Rank	Sector Rank
PE	14.21
Fwd PE	11.21
P/S	3.62
P/FCF	9.39
P/OCF	8.7
P/B	1.03
P/tB	1.03
EV/EBITDA	N/A

EPS(TTM)5.55

EY7.04%

EPS(NY)7.04

Fwd EY8.92%

FCF(TTM)8.4

FCFY10.65%

OCF(TTM)9.07

OCFY11.5%

SpS21.79

BVpS76.71

TBVpS76.67

PEG (NY)0.32

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.37%
ROE	3.33%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	11.72%
GM	N/A
FCFM	38.56%

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 Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	1.61
Debt/EBITDA	N/A
Cap/Depr	57.58%
Cap/Sales	3.06%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	329.09%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC17.01%

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)100.36%

EPS 3Y-2.08%

EPS 5Y-7.07%

EPS Q2Q%97.5%

EPS Next Y45.1%

EPS Next 2Y27.77%

EPS Next 3Y18.71%

EPS Next 5YN/A

Revenue 1Y (TTM)-4.89%

Revenue growth 3Y0.92%

Revenue growth 5Y-2.75%

Sales Q2Q%15.15%

Revenue Next Year22.48%

Revenue Next 2Y15.72%

Revenue Next 3Y12.22%

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 1Y351.26%

FCF growth 3Y-13.94%

FCF growth 5YN/A

OCF growth 1Y350.13%

OCF growth 3Y-9.88%

OCF growth 5YN/A

TEXAS CAPITAL BANCSHARES INC (TCBI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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