(TCBI) Texas Capital Bancshares - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 4.243m USD | Total Return: 54.2% in 12m

Commercial Banking, Wealth Management, Investment Banking
Total Rating 51
Safety 72
Buy Signal 0.92
Banks - Regional
Industry Rotation: +8.3
Market Cap: 4.24B
Avg Turnover: 40.3M USD
ATR: 2.90%
Peers RS (IBD): 65.4
Risk 5d forecast
Volatility31.7%
Rel. Tail Risk-8.46%
Reward TTM
Sharpe Ratio0.80
Alpha5.66
Character TTM
Beta1.368
Beta Downside1.910
Drawdowns 3y
Max DD31.71%
CAGR/Max DD0.82
EPS (Earnings per Share) EPS (Earnings per Share) of TCBI over the last years for every Quarter: "2021-03": 1.33, "2021-06": 1.31, "2021-09": 0.76, "2021-12": 1.19, "2022-03": 0.69, "2022-06": 0.59, "2022-09": 0.74, "2022-12": 0.87, "2023-03": 0.7, "2023-06": 1.33, "2023-09": 1.18, "2023-12": 0.65, "2024-03": 0.46, "2024-06": 0.8, "2024-09": -1.42, "2024-12": 1.43, "2025-03": 0.92, "2025-06": 1.63, "2025-09": 2.18, "2025-12": 2.08,
EPS CAGR: 34.21%
EPS Trend: 26.6%
Last SUE: 0.34
Qual. Beats: 0
Revenue Revenue of TCBI over the last years for every Quarter: 2021-03: 254.515, 2021-06: 242.237, 2021-09: 238.972, 2021-12: 251.326, 2022-03: 228.812, 2022-06: 268.591, 2022-09: 347.404, 2022-12: 400.433, 2023-03: 422.569, 2023-06: 447.927, 2023-09: 472.641, 2023-12: 448.205, 2024-03: 458.697, 2024-06: 472.492, 2024-09: 337.762, 2024-12: 491.645, 2025-03: 471.733, 2025-06: 493.636, 2025-09: 529.198, 2025-12: 504.36,
Rev. CAGR: 23.46%
Rev. Trend: 75.1%
Last SUE: 2.95
Qual. Beats: 1
Warnings

No concerns identified

Tailwinds

watch

Description: TCBI Texas Capital Bancshares

Texas Capital Bancshares, Inc. (TCBI) is a bank holding company operating through Texas Capital Bank. It provides a comprehensive range of financial services to businesses, entrepreneurs, and individuals.

The companys offerings include commercial banking, consumer banking, investment banking solutions (such as capital markets and M&A), and wealth management services (including investment management and financial planning). Regional banks typically focus on catering to specific geographic areas and often emphasize commercial lending.

TCBI also offers various deposit accounts, loans (SBA, business, commercial real estate), treasury management, and specialized financing products like mortgage warehouse lending. The business model of a bank involves generating revenue primarily from interest income on loans and fees for services.

Its operational footprint spans major metropolitan areas in Texas (Austin, Dallas, Fort Worth, Houston, San Antonio), with additional presence in California and New York. For further detailed analysis, investors may find ValueRays platform useful.

Headlines to Watch Out For
  • Net interest income growth hinges on interest rate movements
  • Loan portfolio expansion drives revenue
  • Economic conditions in Texas impact loan demand
  • Regulatory changes influence compliance costs
  • Wealth management fee income diversifies revenue streams
Piotroski VR‑10 (Strict) 5.0
Net Income: 330.2m TTM > 0 and > 6% of Revenue
FCF/TA: 0.03 > 0.02 and ΔFCF/TA 1.17 > 1.0
NWC/Revenue: 191.2% < 20% (prev -1.29k%; Δ 1.48k% < -1%)
CFO/TA 0.03 > 3% & CFO 798.4m > Net Income 330.2m
Net Debt (-947.2m) to EBITDA (480.0m): -1.97 < 3
Current Ratio: 12.58 > 1.5 & < 3
Outstanding Shares: last quarter (45.4m) vs 12m ago -2.49% < -2%
Gross Margin: 60.62% > 18% (prev 0.49%; Δ 6.01k% > 0.5%)
Asset Turnover: 6.42% > 50% (prev 5.73%; Δ 0.69% > 0%)
Interest Coverage Ratio: 0.40 > 6 (EBITDA TTM 480.0m / Interest Expense TTM 743.1m)
Altman Z'' 1.25
A: 0.12 (Total Current Assets 4.15b - Total Current Liabilities 330.0m) / Total Assets 31.54b
B: 0.09 (Retained Earnings 2.81b / Total Assets 31.54b)
C: 0.01 (EBIT TTM 300.4m / Avg Total Assets 31.14b)
D: 0.10 (Book Value of Equity 2.74b / Total Liabilities 27.91b)
Altman-Z'' Score: 1.25 = BB
Beneish M
DSRI: none (Receivables 854.6m/none, Revenue 2.00b/1.76b)
GMI: 0.81 (GM 60.62% / 49.15%)
AQI: 0.98 (AQ_t 0.87 / AQ_t-1 0.89)
SGI: 1.14 (Revenue 2.00b / 1.76b)
TATA: -0.01 (NI 330.2m - CFO 798.4m) / TA 31.54b)
Beneish M-Score: cannot calculate (missing components)
What is the price of TCBI shares? As of April 07, 2026, the stock is trading at USD 95.97 with a total of 235,100 shares traded.
Over the past week, the price has changed by +4.74%, over one month by +5.66%, over three months by +2.12% and over the past year by +54.22%.
Is TCBI a buy, sell or hold? Texas Capital Bancshares has received a consensus analysts rating of 3.15. Therefor, it is recommend to hold TCBI.
  • StrongBuy: 2
  • Buy: 2
  • Hold: 6
  • Sell: 2
  • StrongSell: 1
What are the forecasts/targets for the TCBI price?
Analysts Target Price 104.5 8.9%
Texas Capital Bancshares (TCBI) - Fundamental Data Overview as of 06 April 2026
P/E Trailing = 14.134
P/E Forward = 12.5471
P/S = 3.5337
P/B = 1.2737
P/EG = 1.4725
Revenue TTM = 2.00b USD
EBIT TTM = 300.4m USD
EBITDA TTM = 480.0m USD
Long Term Debt = 620.6m USD (from longTermDebt, last quarter)
Short Term Debt = 489.4m USD (from shortTermDebt, last quarter)
Debt = 950.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -947.2m USD (from netDebt column, last quarter)
Enterprise Value = 4.24b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.40 (Ebit TTM 300.4m / Interest Expense TTM 743.1m)
EV/FCF = 5.33x (Enterprise Value 4.24b / FCF TTM 795.8m)
FCF Yield = 18.75% (FCF TTM 795.8m / Enterprise Value 4.24b)
FCF Margin = 39.81% (FCF TTM 795.8m / Revenue TTM 2.00b)
Net Margin = 16.52% (Net Income TTM 330.2m / Revenue TTM 2.00b)
Gross Margin = 60.62% ((Revenue TTM 2.00b - Cost of Revenue TTM 787.1m) / Revenue TTM)
Gross Margin QoQ = 64.93% (prev 62.05%)
Tobins Q-Ratio = 0.13 (Enterprise Value 4.24b / Total Assets 31.54b)
Interest Expense / Debt = 18.61% (Interest Expense 176.9m / Debt 950.6m)
Taxrate = 23.91% (31.6m / 132.3m)
NOPAT = 228.6m (EBIT 300.4m * (1 - 23.91%))
Current Ratio = 12.58 (Total Current Assets 4.15b / Total Current Liabilities 330.0m)
Debt / Equity = 0.26 (Debt 950.6m / totalStockholderEquity, last quarter 3.63b)
Debt / EBITDA = -1.97 (Net Debt -947.2m / EBITDA 480.0m)
Debt / FCF = -1.19 (Net Debt -947.2m / FCF TTM 795.8m)
Total Stockholder Equity = 3.55b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.06% (Net Income 330.2m / Total Assets 31.54b)
RoE = 9.30% (Net Income TTM 330.2m / Total Stockholder Equity 3.55b)
RoCE = 7.20% (EBIT 300.4m / Capital Employed (Equity 3.55b + L.T.Debt 620.6m))
RoIC = 5.13% (NOPAT 228.6m / Invested Capital 4.46b)
WACC = 11.41% (E(4.24b)/V(5.19b) * Re(10.79%) + D(950.6m)/V(5.19b) * Rd(18.61%) * (1-Tc(0.24)))
Discount Rate = 10.79% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.80%
[DCF] Terminal Value 69.32% ; FCFF base≈644.0m ; Y1≈730.3m ; Y5≈996.3m
[DCF] Fair Price = 253.5 (EV 10.26b - Net Debt -947.2m = Equity 11.21b / Shares 44.2m; r=11.41% [WACC]; 5y FCF grow 15.60% → 3.0% )
EPS Correlation: 26.58 | EPS CAGR: 34.21% | SUE: 0.34 | # QB: 0
Revenue Correlation: 75.11 | Revenue CAGR: 23.46% | SUE: 2.95 | # QB: 1
EPS next Quarter (2026-06-30): EPS=1.86 | Chg7d=+0.004 | Chg30d=+0.004 | Revisions Net=+7 | Analysts=13
EPS current Year (2026-12-31): EPS=7.51 | Chg7d=+0.018 | Chg30d=+0.018 | Revisions Net=+10 | Growth EPS=+10.4% | Growth Revenue=+7.2%
EPS next Year (2027-12-31): EPS=8.36 | Chg7d=+0.049 | Chg30d=+0.041 | Revisions Net=-1 | Growth EPS=+11.4% | Growth Revenue=+7.6%
[Analyst] Revisions Ratio: +0.64 (9 Up / 2 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 3.7% (Discount Rate 10.8% - Earnings Yield 7.1%)
[Growth] Growth Spread = +4.8% (Analyst 8.5% - Implied 3.7%)
External Resources
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