(TCBI) Texas Capital Bancshares - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 4.256m USD | Total Return: 38% in 12m
Avg Turnover: 38.3M
EPS Trend: 21.6%
Qual. Beats: 0
Rev. Trend: 79.3%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
Shakeout
Texas Capital Bancshares, Inc. (TCBI) is a Dallas-based bank holding company serving businesses, entrepreneurs, and high-net-worth individuals. Its diversified service model integrates commercial and consumer banking with investment banking and wealth management. The firm maintains a physical presence in major Texas metropolitan areas, California, and New York.
The company operates within the regional banking sector, where revenue is primarily driven by the net interest margin between loan yields and deposit costs. Unlike smaller community banks, TCBI utilizes a specialized middle-market strategy, focusing on complex credit solutions such as asset-based lending, mortgage warehouse services, and syndicated finance to compete with national institutions.
Investors can evaluate the companys valuation and risk metrics in greater detail on ValueRay.
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Expansion of investment banking and treasury management fee income streams
- Asset quality performance within the Texas commercial real estate portfolio
- Mortgage warehouse lending volume fluctuations driven by residential housing demand
- Strategic transition toward a full-service corporate and investment banking model
| Net Income: 357.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 1.56 > 1.0 |
| NWC/Revenue: -1.27k% < 20% (prev -1.28k%; Δ 14.22% < -1%) |
| CFO/TA 0.03 > 3% & CFO 885.6m > Net Income 357.0m |
| Net Debt (-2.09b) to EBITDA (533.4m): -3.91 < 3 |
| Current Ratio: 0.10 > 1.5 & < 3 |
| Outstanding Shares: last quarter (45.4m) vs 12m ago -2.51% < -2% |
| Gross Margin: 62.33% > 18% (prev 0.50%; Δ 6.18k% > 0.5%) |
| Asset Turnover: 6.21% > 50% (prev 5.65%; Δ 0.56% > 0%) |
| Interest Coverage Ratio: 0.67 > 6 (EBITDA TTM 533.4m / Interest Expense TTM 716.3m) |
| A: -0.76 (Total Current Assets 2.96b - Total Current Liabilities 28.5b) / Total Assets 33.5b |
| B: 0.09 (Retained Earnings 2.88b / Total Assets 33.5b) |
| C: 0.01 (EBIT TTM 477.7m / Avg Total Assets 32.4b) |
| D: 0.09 (Book Value of Equity 2.79b / Total Liabilities 29.9b) |
| Altman-Z'' = -4.53 = D |
As of May 24, 2026, the stock is trading at USD 99.00 with a total of 511,147 shares traded.
Over the past week, the price has changed by +3.55%,
over one month by -3.07%,
over three months by +1.92% and
over the past year by +37.95%.
Texas Capital Bancshares has received a consensus analysts rating of 3.15. Therefore, it is recommended to hold TCBI.
- StrongBuy: 2
- Buy: 2
- Hold: 6
- Sell: 2
- StrongSell: 1
| Analysts Target Price | 107.7 | 8.8% |
P/E Forward = 13.0548
P/S = 3.4175
P/B = 1.3194
P/EG = 1.4725
Revenue TTM = 2.02b USD
EBIT TTM = 477.7m USD
EBITDA TTM = 533.4m USD
Long Term Debt = 878.3m USD (from longTermDebt, last quarter)
Short Term Debt = 330.0m USD (from shortTermDebt, last fiscal year)
Debt = 878.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -2.09b USD (calculated: Debt 878.3m - CCE 2.96b)
Enterprise Value = 2.17b USD (4.26b + Debt 878.3m - CCE 2.96b)
Interest Coverage Ratio = 0.67 (Ebit TTM 477.7m / Interest Expense TTM 716.3m)
EV/FCF = 2.45x (Enterprise Value 2.17b / FCF TTM 884.0m)
FCF Yield = 40.75% (FCF TTM 884.0m / Enterprise Value 2.17b)
FCF Margin = 43.86% (FCF TTM 884.0m / Revenue TTM 2.02b)
Net Margin = 17.71% (Net Income TTM 357.0m / Revenue TTM 2.02b)
Gross Margin = 62.33% ((Revenue TTM 2.02b - Cost of Revenue TTM 759.3m) / Revenue TTM)
Gross Margin QoQ = 63.07% (prev 64.93%)
Tobins Q-Ratio = 0.06 (Enterprise Value 2.17b / Total Assets 33.5b)
Interest Expense / Debt = 81.55% (Interest Expense 716.3m / Debt 878.3m)
Taxrate = 21.85% (20.6m / 94.4m)
NOPAT = 373.3m (EBIT 477.7m * (1 - 21.85%))
Current Ratio = 0.10 (Total Current Assets 2.96b / Total Current Liabilities 28.5b)
Debt / Equity = 0.24 (Debt 878.3m / totalStockholderEquity, last quarter 3.61b)
Debt / EBITDA = -3.91 (Net Debt -2.09b / EBITDA 533.4m)
Debt / FCF = -2.36 (Net Debt -2.09b / FCF TTM 884.0m)
Total Stockholder Equity = 3.60b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.10% (Net Income 357.0m / Total Assets 33.5b)
RoE = 9.93% (Net Income TTM 357.0m / Total Stockholder Equity 3.60b)
RoCE = 10.68% (EBIT 477.7m / Capital Employed (Equity 3.60b + L.T.Debt 878.3m))
RoIC = 7.06% (NOPAT 373.3m / Invested Capital 5.29b)
WACC = 8.81% (E(4.26b)/V(5.13b) * Re(10.63%) + (debt cost/tax rate unavailable))
Discount Rate = 10.63% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -84.11 | Cagr: -2.49%
[DCF] Terminal Value 76.49% ; FCFF base≈665.8m ; Y1≈763.2m ; Y5≈1.12b
[DCF] Fair Price = 405.8 (EV 15.6b - Net Debt -2.09b = Equity 17.7b / Shares 43.7m; r=8.81% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 21.59 | EPS CAGR: 20.39% | SUE: 0.18 | # QB: 0
Revenue Correlation: 79.30 | Revenue CAGR: 6.01% | SUE: 0.65 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.88 | Chg30d=+0.37% | Revisions=-20% | Analysts=12
EPS next Quarter (2026-09-30): EPS=2.09 | Chg30d=+0.26% | Revisions=-29% | Analysts=12
EPS current Year (2026-12-31): EPS=7.62 | Chg30d=+1.09% | Revisions=+43% | GrowthEPS=+12.0% | GrowthRev=+7.3%
EPS next Year (2027-12-31): EPS=8.36 | Chg30d=-0.38% | Revisions=+0% | GrowthEPS=+9.7% | GrowthRev=+6.7%
[Analyst] Revisions Ratio: +43%