21.3 USD
+0.13 (+0.61%)
Taking everything into account, TCBIO scores 5 out of 10 in our fundamental rating. TCBIO was compared to 387 industry peers in the Banks industry. Both the profitability and financial health of TCBIO have multiple concerns. TCBIO may be a bit undervalued, certainly considering the very reasonable score on growth Finally TCBIO also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year TCBIO was profitable.
In the past year TCBIO had a positive cash flow from operations.
Each year in the past 5 years TCBIO has been profitable.
In the past 5 years TCBIO always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.87%, TCBIO is in line with its industry, outperforming 48.32% of the companies in the same industry.
TCBIO has a Return On Equity (7.79%) which is in line with its industry peers.
| 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
The Profit Margin of TCBIO (23.38%) is comparable to the rest of the industry.
TCBIO's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for TCBIO so they could not be analyzed.
| 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
TCBIO does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, TCBIO has less shares outstanding
The number of shares outstanding for TCBIO has been reduced compared to 5 years ago.
Compared to 1 year ago, TCBIO has an improved debt to assets ratio.
2.2 Solvency
TCBIO has a debt to FCF ratio of 2.72. This is a good value and a sign of high solvency as TCBIO would need 2.72 years to pay back of all of its debts.
TCBIO has a Debt to FCF ratio (2.72) which is in line with its industry peers.
TCBIO has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
TCBIO has a Debt to Equity ratio of 0.17. This is comparable to the rest of the industry: TCBIO outperforms 50.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 2.72 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC25.46%
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 90.34% over the past year.
Measured over the past years, TCBIO shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.07% on average per year.
TCBIO shows a strong growth in Revenue. In the last year, the Revenue has grown by 35.49%.
TCBIO 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
Based on estimates for the next years, TCBIO will show a quite strong growth in Revenue. The Revenue will grow by 12.49% on average per year.
EPS Next Y51.21%
EPS Next 2Y29.62%
EPS Next 3Y22.53%
EPS Next 5YN/A
Revenue Next Year22.96%
Revenue Next 2Y15.14%
Revenue Next 3Y12.49%
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.
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
With a Price/Earnings ratio of 3.49, 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 97.93% 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 26.15.
The Price/Forward Earnings ratio is 2.94, which indicates a rather cheap valuation of TCBIO.
98.19% of the companies in the same industry are more expensive than TCBIO, based on the Price/Forward Earnings ratio.
TCBIO is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.12, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.49 | ||
| Fwd PE | 2.94 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of TCBIO indicates a rather cheap valuation: TCBIO is cheaper than 93.54% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.27 | ||
| 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.
TCBIO's earnings are expected to grow with 22.53% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.07
PEG (5Y)N/A
EPS Next 2Y29.62%
EPS Next 3Y22.53%
5. Dividend
5.1 Amount
TCBIO has a Yearly Dividend Yield of 6.90%, which is a nice return.
TCBIO's Dividend Yield is rather good when compared to the industry average which is at 3.33. TCBIO pays more dividend than 96.12% of the companies in the same industry.
TCBIO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.9% |
5.2 History
On average, the dividend of TCBIO grows each year by 13.50%, 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)13.5%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
6.09% of the earnings are spent on dividend by TCBIO. This is a low number and sustainable payout ratio.
TCBIO's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP6.09%
EPS Next 2Y29.62%
EPS Next 3Y22.53%
TEXAS CAPITAL BANCSHARES - TCBI 5 3/4 PERP
NASDAQ:TCBIO (11/26/2025, 8:05:20 PM)
21.3
+0.13 (+0.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners102.42%
Inst Owner ChangeN/A
Ins Owners1.72%
Ins Owner ChangeN/A
Market Cap972.13M
Revenue(TTM)1.21B
Net Income(TTM)283.36M
Analysts69
Price Target23.47 (10.19%)
Short Float %0.04%
Short Ratio0.67
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.9% |
Yearly Dividend0.37
Dividend Growth(5Y)13.5%
DP6.09%
Div Incr Years0
Div Non Decr Years3
Ex-Date
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)3.7%
PT rev (3m)-2.42%
EPS NQ rev (1m)-4.17%
EPS NQ rev (3m)-3.57%
EPS NY rev (1m)4.04%
EPS NY rev (3m)14.26%
Revenue NQ rev (1m)-1.85%
Revenue NQ rev (3m)-2.09%
Revenue NY rev (1m)0.47%
Revenue NY rev (3m)0.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.49 | ||
| Fwd PE | 2.94 | ||
| P/S | 0.8 | ||
| P/FCF | 4.27 | ||
| P/OCF | 3.92 | ||
| P/B | 0.27 | ||
| P/tB | 0.27 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.11
EY28.69%
EPS(NY)7.24
Fwd EY34%
FCF(TTM)4.99
FCFY23.43%
OCF(TTM)5.44
OCFY25.52%
SpS26.56
BVpS79.69
TBVpS79.66
PEG (NY)0.07
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
WACC25.46%
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 Y51.21%
EPS Next 2Y29.62%
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 2Y15.14%
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 - TCBI 5 3/4 PERP / TCBIO 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 for 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.
How profitable is TEXAS CAPITAL BANCSHARES - TCBI 5 3/4 PERP (TCBIO) stock?
TEXAS CAPITAL BANCSHARES - TCBI 5 3/4 PERP (TCBIO) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for TCBIO stock?
The Price/Earnings (PE) ratio for TEXAS CAPITAL BANCSHARES - TCBI 5 3/4 PERP (TCBIO) is 3.49 and the Price/Book (PB) ratio is 0.27.
Can you provide the dividend sustainability for TCBIO stock?
The dividend rating of TEXAS CAPITAL BANCSHARES - TCBI 5 3/4 PERP (TCBIO) is 8 / 10 and the dividend payout ratio is 6.09%.