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

NASDAQ:TCBIO • US88224Q3056

22.345 USD
+0.13 (+0.61%)
Last: Feb 25, 2026, 02:15 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Overall TCBIO gets a fundamental rating of 5 out of 10. We evaluated TCBIO against 379 industry peers in the Banks industry. TCBIO may be in some trouble as it scores bad on both profitability and health. A decent growth rate in combination with a cheap valuation! Better keep an eye on TCBIO. Finally TCBIO also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

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.
  • Of the past 5 years TCBIO 4 years had a positive operating cash flow.
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

  • The Return On Assets of TCBIO (0.87%) is comparable to the rest of the industry.
  • TCBIO has a Return On Equity of 7.79%. This is comparable to the rest of the industry: TCBIO outperforms 40.37% of its industry peers.
Industry RankSector Rank
ROA 0.87%
ROE 7.79%
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 has a Profit Margin of 23.38%. This is comparable to the rest of the industry: TCBIO outperforms 44.06% of its industry peers.
  • In the last couple of years the Profit Margin of TCBIO has grown nicely.
  • The Operating Margin and Gross Margin are not available for TCBIO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 23.38%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • 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.
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

  • 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.
  • With a Debt to FCF ratio value of 2.72, TCBIO perfoms like the industry average, outperforming 40.37% of the companies in the same industry.
  • A Debt/Equity ratio of 0.17 indicates that TCBIO is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.17, TCBIO is in line with its industry, outperforming 50.66% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 2.72
Altman-Z N/A
ROIC/WACCN/A
WACC25.34%
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. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 57.77% 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.
  • Looking at the last year, TCBIO shows a very strong growth in Revenue. The Revenue has grown by 34.69%.
  • The Revenue has been growing slightly by 3.56% on average over the past years.
EPS 1Y (TTM)57.77%
EPS 3Y41.31%
EPS 5Y43.69%
EPS Q2Q%48.25%
Revenue 1Y (TTM)34.69%
Revenue growth 3Y0.82%
Revenue growth 5Y3.56%
Sales Q2Q%15.44%

3.2 Future

  • The Earnings Per Share is expected to grow by 12.54% on average over the next years. This is quite good.
  • TCBIO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.79% yearly.
EPS Next Y12.19%
EPS Next 2Y11.84%
EPS Next 3Y12.54%
EPS Next 5YN/A
Revenue Next Year7.66%
Revenue Next 2Y7.57%
Revenue Next 3Y7.79%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 3.29 indicates a rather cheap valuation of TCBIO.
  • 98.15% of the companies in the same industry are more expensive than TCBIO, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of TCBIO to the average of the S&P500 Index (26.98), we can say TCBIO is valued rather cheaply.
  • TCBIO is valuated cheaply with a Price/Forward Earnings ratio of 2.93.
  • 98.42% of the companies in the same industry are more expensive than TCBIO, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 28.01. TCBIO is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 3.29
Fwd PE 2.93
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

  • Based on the Price/Free Cash Flow ratio, TCBIO is valued cheaper than 93.93% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.34
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)0.27
PEG (5Y)0.08
EPS Next 2Y11.84%
EPS Next 3Y12.54%

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

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 6.62%, TCBIO is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.74, TCBIO pays a better dividend. On top of this TCBIO pays more dividend than 95.78% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.81, TCBIO pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.62%

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
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 6.09% 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.
DP6.09%
EPS Next 2Y11.84%
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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Find the best dividend stocksShow peers with best dividend

TEXAS CAPITAL BANCSHARES - TCBI 5 3/4 PERP

NASDAQ:TCBIO (2/25/2026, 2:15:42 PM)

22.345

+0.13 (+0.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-15
Inst Owners102.57%
Inst Owner ChangeN/A
Ins Owners1.73%
Ins Owner ChangeN/A
Market Cap988.77M
Revenue(TTM)1.26B
Net Income(TTM)283.36M
Analysts69.47
Price Target22.17 (-0.78%)
Short Float %0.04%
Short Ratio0.51
Dividend
Industry RankSector Rank
Dividend Yield 6.62%
Yearly Dividend0.37
Dividend Growth(5Y)13.5%
DP6.09%
Div Incr Years0
Div Non Decr Years3
Ex-Date03-02
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)7.59%
PT rev (3m)-3.48%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.2%
EPS NY rev (1m)5.07%
EPS NY rev (3m)5.35%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.42%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)-0.22%
Valuation
Industry RankSector Rank
PE 3.29
Fwd PE 2.93
P/S 0.82
P/FCF 4.34
P/OCF 3.99
P/B 0.27
P/tB 0.27
EV/EBITDA N/A
EPS(TTM)6.8
EY30.43%
EPS(NY)7.63
Fwd EY34.14%
FCF(TTM)5.15
FCFY23.03%
OCF(TTM)5.61
OCFY25.09%
SpS27.39
BVpS82.19
TBVpS82.16
PEG (NY)0.27
PEG (5Y)0.08
Graham Number112.14
Profitability
Industry RankSector 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)0.6%
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-Score8
Asset Turnover0.04
Health
Industry RankSector 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
WACC25.34%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)57.77%
EPS 3Y41.31%
EPS 5Y43.69%
EPS Q2Q%48.25%
EPS Next Y12.19%
EPS Next 2Y11.84%
EPS Next 3Y12.54%
EPS Next 5YN/A
Revenue 1Y (TTM)34.69%
Revenue growth 3Y0.82%
Revenue growth 5Y3.56%
Sales Q2Q%15.44%
Revenue Next Year7.66%
Revenue Next 2Y7.57%
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-61.34%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-61.86%
OCF growth 3YN/A
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 3.29 and the Price/Book (PB) ratio is 0.27.


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 7 / 10 and the dividend payout ratio is 6.09%.