TCBI

Texas Capital Bancshares, Inc.

Fundamental data last updated:September 6, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Texas Capital Bancshares, Inc. operates as the bank holding company for Texas Capital Bank, is a full-service financial services firm that delivers customized solutions to businesses, entrepreneurs, and individual customers. The company offers commercial banking, consumer banking, investment banking, and wealth management services. It offers business deposit products and services, including commercial checking accounts, lockbox accounts, and cash concentration accounts, as well as information, wire transfer initiation, ACH initiation, account transfer, and service integration services; and consumer deposit products, such as checking accounts, savings accounts, money market accounts, and certificates of deposit. The company also provides commercial loans for general corporate purposes comprising financing working capital, internal growth, acquisitions, and business insurance premiums, as well as consumer loans; loans to exploration and production companies; mortgage finance loans; commercial real estate and residential homebuilder finance loans; first and second lien loans for the purpose of purchasing or constructing 1-4 family residential dwellings, as well as home equity revolving lines of credit and loans to purchase lots for future construction of 1-4 family residential dwellings; and real estate loans originated through a small business administration program, as well as equipment finance and leasing services, and letters of credit. In addition, it offers online and mobile banking, and debit and credit card services; escrow services; personal wealth management and trust services; and depositors American Airlines AAdvantage miles. It operates in Austin, Fort Worth, Dallas, Houston, and San Antonio metropolitan areas of Texas. Texas Capital Bancshares, Inc. was incorporated in 1996 and is headquartered in Dallas, Texas.

 


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VALUATION

P/E

12.58

Market Cap ($M USD)

$4.36B

Forward P/E

10.27

PEG

0.46

PRICE TO SALES

2.16

PRICE TO BOOK

1.25

EV / EBITDA

4.40

5-Year Average P/E

Free Cash Flow Yield

20.30%

DCF Value

$100.83

Graham Number

$119.54

Price to FCF

4.93

EV to FCF

2.58

Earnings Yield

7.95%

FCF Yield

20.30%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

4.83%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$7.93

Next Year EPS Growth Estimate

$9.71

Next Year Revenue Growth Estimate

$1.55B

Return on Equity (ROE)

9.93%

FREE CASH FLOW

Operating Margin

23.70%

Debt-to-Equity

0.26

Piotroski F-Score

7

Altman Z-Score

-0.60

Return on Invested Capital (ROIC)

9.63%

Current Ratio

0.10

Quick Ratio

0.10

Net Debt to EBITDA

-4.02

Interest Coverage

0.67

Gross Profit margin

62.33%

FCF PER SHARE

$19.63

REVENUE PER SHARE

$44.77

Analyze TCBI on TradingView

Gainseekers Quantitative Analysis

Summary

Texas Capital Bancshares, Inc. presents a compelling valuation story. The stock has traded below its DCF Value and Graham Number, suggesting potential undervaluation. With a Forward P/E of 10.29 and an Earnings Yield of 7.93%, the market may be underestimating its growth prospects. However, the negative Altman Z-score raises red flags about financial distress, indicating potential risks. Overall, while the valuation metrics suggest a bargain, the safety profile demands caution.

AI Exposure / Tech Reliance

In the rapidly evolving financial services sector, Texas Capital Bancshares must adapt to AI and tech advancements. As a regional bank, its ability to integrate AI-driven analytics could enhance customer service and operational efficiency. However, its traditional banking model may face challenges from fintech disruptors.

The Bull Case

For value and GARP investors, Texas Capital Bancshares offers an attractive proposition. A robust ROIC of 9.63% and a strong Piotroski F-Score of 7 highlight operational efficiency and financial health. The impressive FCF Yield of 20.25% underscores its ability to generate cash, while a solid operating margin of 23.70% suggests pricing power. These metrics paint a picture of a company capable of delivering sustainable returns.

The Bear Case

Despite some strengths, the stock is not without its pitfalls. The Altman Z-score of -0.60 signals potential financial distress, a significant concern for risk-averse investors. Additionally, the current ratio of 0.10 indicates liquidity issues, raising questions about short-term financial stability. Trading near its 52-week high, the stock may also be technically overextended, suggesting limited upside in the near term.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$106.17

Institutional Ownership %

1-Year Beta

0.69

Insider Buying % (6 Mo)

Distance to 52-Week High

9.21%

Distance to 52-Week Low

29.70%

EARNINGS SURPRISE %

11.27%

50-DAY SMA

$98.64

200-DAY SMA

$92.85

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.