TEXAS CAPITAL BANCSHARES - TCBI 5 3/4 PERP (TCBIO) Fundamental Analysis & Valuation

NASDAQ:TCBIO • US88224Q3056

Current stock price

21.76 USD
-0.23 (-1.05%)
Last:

This TCBIO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. TCBIO Profitability Analysis

1.1 Basic Checks

  • In the past year TCBIO was profitable.
  • In the past year TCBIO had a positive cash flow from operations.
  • TCBIO had positive earnings in each of the past 5 years.
  • In the past 5 years TCBIO always reported a positive cash flow from operatings.
TCBIO Yearly Net Income VS EBIT VS OCF VS FCFTCBIO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B

1.2 Ratios

  • TCBIO's Return On Assets of 0.99% is in line compared to the rest of the industry. TCBIO outperforms 53.72% of its industry peers.
  • TCBIO has a Return On Equity (8.62%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.99%
ROE 8.62%
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
TCBIO Yearly ROA, ROE, ROICTCBIO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • TCBIO's Profit Margin of 24.92% is in line compared to the rest of the industry. TCBIO outperforms 46.54% of its industry peers.
  • In the last couple of years the Profit Margin of TCBIO has grown nicely.
  • TCBIO 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) 24.92%
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
TCBIO Yearly Profit, Operating, Gross MarginsTCBIO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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3

2. TCBIO Health Analysis

2.1 Basic Checks

  • TCBIO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • TCBIO has less shares outstanding than it did 1 year ago.
  • TCBIO has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, TCBIO has an improved debt to assets ratio.
TCBIO Yearly Shares OutstandingTCBIO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
TCBIO Yearly Total Debt VS Total AssetsTCBIO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.2 Solvency

  • The Debt to FCF ratio of TCBIO is 1.87, which is an excellent value as it means it would take TCBIO, only 1.87 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 1.87, TCBIO perfoms like the industry average, outperforming 50.27% of the companies in the same industry.
  • TCBIO has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.18, TCBIO perfoms like the industry average, outperforming 47.87% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.87
Altman-Z N/A
ROIC/WACCN/A
WACC30.11%
TCBIO Yearly LT Debt VS Equity VS FCFTCBIO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TCBIO Yearly Current Assets VS Current LiabilitesTCBIO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. TCBIO Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 56.39% over the past year.
  • TCBIO shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 43.69% yearly.
  • The Revenue has grown by 34.69% in the past year. This is a very strong growth!
  • Measured over the past years, TCBIO shows a small growth in Revenue. The Revenue has been growing by 3.56% on average per year.
EPS 1Y (TTM)56.39%
EPS 3Y41.31%
EPS 5Y43.69%
EPS Q2Q%71.74%
Revenue 1Y (TTM)34.69%
Revenue growth 3Y0.82%
Revenue growth 5Y3.56%
Sales Q2Q%15.51%

3.2 Future

  • The Earnings Per Share is expected to grow by 12.54% on average over the next years. This is quite good.
  • Based on estimates for the next years, TCBIO will show a small growth in Revenue. The Revenue will grow by 7.79% on average per year.
EPS Next Y13.02%
EPS Next 2Y12.17%
EPS Next 3Y12.54%
EPS Next 5YN/A
Revenue Next Year7.74%
Revenue Next 2Y7.61%
Revenue Next 3Y7.79%
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past 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.
TCBIO Yearly Revenue VS EstimatesTCBIO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B
TCBIO Yearly EPS VS EstimatesTCBIO Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8

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8

4. TCBIO Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 2.92, the valuation of TCBIO can be described as very cheap.
  • TCBIO's Price/Earnings ratio is rather cheap when compared to the industry. TCBIO is cheaper than 98.14% of the companies in the same industry.
  • TCBIO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.47.
  • Based on the Price/Forward Earnings ratio of 2.54, the valuation of TCBIO can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, TCBIO is valued cheaply inside the industry as 98.14% of the companies are valued more expensively.
  • TCBIO is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.62, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 2.92
Fwd PE 2.54
TCBIO Price Earnings VS Forward Price EarningsTCBIO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • TCBIO's Price/Free Cash Flow ratio is rather cheap when compared to the industry. TCBIO is cheaper than 96.81% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.77
EV/EBITDA N/A
TCBIO Per share dataTCBIO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

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 TCBIO's earnings are expected to grow with 12.54% in the coming years.
PEG (NY)0.22
PEG (5Y)0.07
EPS Next 2Y12.17%
EPS Next 3Y12.54%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. TCBIO Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.54%, TCBIO is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.57, TCBIO pays a better dividend. On top of this TCBIO pays more dividend than 98.40% of the companies listed in the same industry.
  • TCBIO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 6.54%

5.2 History

  • On average, the dividend of TCBIO grows each year by 14.24%, which is quite nice.
  • TCBIO has been paying a dividend for over 5 years, so it has already some track record.
  • TCBIO has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)14.24%
Div Incr Years0
Div Non Decr Years4
TCBIO Yearly Dividends per shareTCBIO Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.5 1

5.3 Sustainability

  • TCBIO pays out 5.51% of its income as dividend. This is a sustainable payout ratio.
  • TCBIO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP5.51%
EPS Next 2Y12.17%
EPS Next 3Y12.54%
TCBIO Yearly Income VS Free CF VS DividendTCBIO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B
TCBIO Dividend Payout.TCBIO Dividend Payout, showing the Payout Ratio.TCBIO Dividend Payout.PayoutRetained Earnings

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TCBIO Fundamentals: All Metrics, Ratios and Statistics

TEXAS CAPITAL BANCSHARES - TCBI 5 3/4 PERP

NASDAQ:TCBIO (4/24/2026, 10:55:17 AM)

21.76

-0.23 (-1.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23
Earnings (Next)07-15
Inst Owners102.35%
Inst Owner ChangeN/A
Ins Owners1.01%
Ins Owner ChangeN/A
Market Cap962.01M
Revenue(TTM)1.26B
Net Income(TTM)312.99M
Analysts69
Price Target22.87 (5.1%)
Short Float %0.1%
Short Ratio1.09
Dividend
Industry RankSector Rank
Dividend Yield 6.54%
Yearly Dividend0.38
Dividend Growth(5Y)14.24%
DP5.51%
Div Incr Years0
Div Non Decr Years4
Ex-Date03-02
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)19.13%
Min EPS beat(2)17.72%
Max EPS beat(2)20.55%
EPS beat(4)3
Avg EPS beat(4)13%
Min EPS beat(4)-6.76%
Max EPS beat(4)20.55%
EPS beat(8)5
Avg EPS beat(8)14.62%
EPS beat(12)7
Avg EPS beat(12)7.38%
EPS beat(16)7
Avg EPS beat(16)-1.5%
Revenue beat(2)1
Avg Revenue beat(2)0.87%
Min Revenue beat(2)-0.96%
Max Revenue beat(2)2.69%
Revenue beat(4)2
Avg Revenue beat(4)-0.24%
Min Revenue beat(4)-3.45%
Max Revenue beat(4)2.69%
Revenue beat(8)2
Avg Revenue beat(8)-7.14%
Revenue beat(12)3
Avg Revenue beat(12)-5.38%
Revenue beat(16)6
Avg Revenue beat(16)1.26%
PT rev (1m)-6.59%
PT rev (3m)10.96%
EPS NQ rev (1m)-0.49%
EPS NQ rev (3m)-2.52%
EPS NY rev (1m)0.64%
EPS NY rev (3m)5.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.6%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 2.92
Fwd PE 2.54
P/S 0.77
P/FCF 2.77
P/OCF 2.67
P/B 0.26
P/tB 0.27
EV/EBITDA N/A
EPS(TTM)7.46
EY34.28%
EPS(NY)8.56
Fwd EY39.32%
FCF(TTM)7.86
FCFY36.13%
OCF(TTM)8.15
OCFY37.44%
SpS28.4
BVpS82.14
TBVpS82.11
PEG (NY)0.22
PEG (5Y)0.07
Graham Number117.418 (439.6%)
Profitability
Industry RankSector Rank
ROA 0.99%
ROE 8.62%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.92%
GM N/A
FCFM 27.68%
ROA(3y)0.6%
ROA(5y)0.72%
ROE(3y)5.26%
ROE(5y)6.69%
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-1.05%
PM growth 5Y35.99%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.87
Debt/EBITDA N/A
Cap/Depr 24.09%
Cap/Sales 1%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 111.05%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC30.11%
ROIC/WACCN/A
Cap/Depr(3y)61.38%
Cap/Depr(5y)42.69%
Cap/Sales(3y)3.16%
Cap/Sales(5y)2.17%
Profit Quality(3y)336.59%
Profit Quality(5y)266.17%
High Growth Momentum
Growth
EPS 1Y (TTM)56.39%
EPS 3Y41.31%
EPS 5Y43.69%
EPS Q2Q%71.74%
EPS Next Y13.02%
EPS Next 2Y12.17%
EPS Next 3Y12.54%
EPS Next 5YN/A
Revenue 1Y (TTM)34.69%
Revenue growth 3Y0.82%
Revenue growth 5Y3.56%
Sales Q2Q%15.51%
Revenue Next Year7.74%
Revenue Next 2Y7.61%
Revenue Next 3Y7.79%
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 1Y-16.5%
FCF growth 3Y36.49%
FCF growth 5Y-33.32%
OCF growth 1Y-25.14%
OCF growth 3Y34.51%
OCF growth 5Y-32.86%

TEXAS CAPITAL BANCSHARES - TCBI 5 3/4 PERP / TCBIO Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for TEXAS CAPITAL BANCSHARES - TCBI 5 3/4 PERP?

ChartMill assigns a fundamental rating of 5 / 10 to TCBIO.


What is the valuation status of TEXAS CAPITAL BANCSHARES - TCBI 5 3/4 PERP (TCBIO) stock?

ChartMill assigns a valuation rating of 8 / 10 to TEXAS CAPITAL BANCSHARES - TCBI 5 3/4 PERP (TCBIO). This can be considered as Undervalued.


Can you provide the profitability details for TEXAS CAPITAL BANCSHARES - TCBI 5 3/4 PERP?

TEXAS CAPITAL BANCSHARES - TCBI 5 3/4 PERP (TCBIO) has a profitability rating of 3 / 10.


Can you provide the financial health for TCBIO stock?

The financial health rating of TEXAS CAPITAL BANCSHARES - TCBI 5 3/4 PERP (TCBIO) is 3 / 10.


Is the dividend of TEXAS CAPITAL BANCSHARES - TCBI 5 3/4 PERP sustainable?

The dividend rating of TEXAS CAPITAL BANCSHARES - TCBI 5 3/4 PERP (TCBIO) is 7 / 10 and the dividend payout ratio is 5.51%.