20.39 USD
+0.02 (+0.1%)
Overall TCBIO gets a fundamental rating of 5 out of 10. We evaluated TCBIO against 383 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 TCBIO also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
TCBIO had positive earnings in the past year.
TCBIO had a positive operating cash flow in the past year.
TCBIO had positive earnings in each of the past 5 years.
TCBIO had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.87%, TCBIO is in line with its industry, outperforming 47.00% of the companies in the same industry.
The Return On Equity of TCBIO (7.79%) is worse than 60.05% of 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
TCBIO's Profit Margin of 23.38% is in line compared to the rest of the industry. TCBIO outperforms 44.65% of its industry peers.
In the last couple of years the Profit Margin of TCBIO has declined.
TCBIO 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
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.
Compared to 5 years ago, TCBIO has less shares outstanding
Compared to 1 year ago, TCBIO has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of TCBIO is 2.72, which is a good value as it means it would take TCBIO, 2.72 years of fcf income to pay off all of its debts.
TCBIO has a Debt to FCF ratio of 2.72. This is in the lower half of the industry: TCBIO underperforms 60.05% of its industry peers.
A Debt/Equity ratio of 0.17 indicates that TCBIO is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.17, TCBIO perfoms like the industry average, outperforming 50.39% 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
WACC25.74%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
TCBIO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 90.34%, which is quite impressive.
The Earnings Per Share has been decreasing by -7.07% on average over the past years.
TCBIO shows a strong growth in Revenue. In the last year, the Revenue has grown by 35.49%.
Measured over the past years, TCBIO shows a decrease in Revenue. The Revenue has been decreasing by -2.75% on average per year.
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 22.70% 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 Y52.83%
EPS Next 2Y30.04%
EPS Next 3Y22.7%
EPS Next 5YN/A
Revenue Next Year22.86%
Revenue Next 2Y15.05%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 3.34, 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 98.43% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.25, TCBIO is valued rather cheaply.
The Price/Forward Earnings ratio is 2.80, which indicates a rather cheap valuation of TCBIO.
TCBIO's Price/Forward Earnings ratio is rather cheap when compared to the industry. TCBIO is cheaper than 98.43% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of TCBIO to the average of the S&P500 Index (23.98), we can say TCBIO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.34 | ||
| Fwd PE | 2.8 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, TCBIO is valued cheaper than 93.99% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.09 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
TCBIO's 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 22.70% in the coming years.
PEG (NY)0.06
PEG (5Y)N/A
EPS Next 2Y30.04%
EPS Next 3Y22.7%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.06%, TCBIO is a good candidate for dividend investing.
TCBIO's Dividend Yield is rather good when compared to the industry average which is at 2.90. TCBIO pays more dividend than 95.30% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 1.92, TCBIO pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.06% |
5.2 History
The dividend of TCBIO is nicely growing with an annual growth rate of 13.50%!
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
TCBIO pays out 6.09% of its income as dividend. This is a sustainable payout ratio.
TCBIO's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP6.09%
EPS Next 2Y30.04%
EPS Next 3Y22.7%
TEXAS CAPITAL BANCSHARES - TCBI 5 3/4 PERP
NASDAQ:TCBIO (1/12/2026, 8:00:01 PM)
20.39
+0.02 (+0.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners102.57%
Inst Owner ChangeN/A
Ins Owners1.73%
Ins Owner ChangeN/A
Market Cap930.60M
Revenue(TTM)1.21B
Net Income(TTM)283.36M
Analysts69
Price Target21.68 (6.33%)
Short Float %0.07%
Short Ratio1.37
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.06% |
Yearly Dividend0.37
Dividend Growth(5Y)13.5%
DP6.09%
Div Incr Years0
Div Non Decr Years3
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)2.9%
PT rev (3m)-4.2%
EPS NQ rev (1m)-0.1%
EPS NQ rev (3m)-4.09%
EPS NY rev (1m)0%
EPS NY rev (3m)5.32%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.04%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)0.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.34 | ||
| Fwd PE | 2.8 | ||
| P/S | 0.77 | ||
| P/FCF | 4.09 | ||
| P/OCF | 3.75 | ||
| P/B | 0.26 | ||
| P/tB | 0.26 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.11
EY29.97%
EPS(NY)7.29
Fwd EY35.75%
FCF(TTM)4.99
FCFY24.47%
OCF(TTM)5.44
OCFY26.66%
SpS26.56
BVpS79.69
TBVpS79.66
PEG (NY)0.06
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
WACC25.74%
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 Y52.83%
EPS Next 2Y30.04%
EPS Next 3Y22.7%
EPS Next 5YN/A
Revenue 1Y (TTM)35.49%
Revenue growth 3Y0.92%
Revenue growth 5Y-2.75%
Sales Q2Q%171.56%
Revenue Next Year22.86%
Revenue Next 2Y15.05%
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.
Can you provide the valuation status for TEXAS CAPITAL BANCSHARES - TCBI 5 3/4 PERP?
ChartMill assigns a valuation rating of 8 / 10 to TEXAS CAPITAL BANCSHARES - TCBI 5 3/4 PERP (TCBIO). This can be considered as Undervalued.
What is the profitability of TCBIO stock?
TEXAS CAPITAL BANCSHARES - TCBI 5 3/4 PERP (TCBIO) has a profitability rating of 3 / 10.
What are the PE and PB ratios of TEXAS CAPITAL BANCSHARES - TCBI 5 3/4 PERP (TCBIO) stock?
The Price/Earnings (PE) ratio for TEXAS CAPITAL BANCSHARES - TCBI 5 3/4 PERP (TCBIO) is 3.34 and the Price/Book (PB) ratio is 0.26.
How sustainable is the dividend of TEXAS CAPITAL BANCSHARES - TCBI 5 3/4 PERP (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%.