TCBI Stock Analysis: Texas Capital Bancshares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 4.114m USD | 12M Return: 11.3% | US88224Q1076 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 45.4M
EPS Trend: 40.1%
Qual. Beats: 0
Rev. Trend: 75.3%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Texas Capital Bancshares (TCBI) is the bank holding company for Texas Capital Bank, a full-service financial services firm serving businesses, entrepreneurs, and individuals. Its offerings span commercial and consumer banking, investment banking (capital markets, M&A, syndicated finance), wealth management, treasury and payment solutions, and a wide range of lending products including commercial real estate, homebuilder finance, mortgage warehouse lending, and asset-based lending. The company operates primarily across major Texas metropolitan areas-Austin, Dallas, Fort Worth, Houston, and San Antonio-with additional presence in California and New York, and has been headquartered in Dallas since its incorporation in 1996.
As a mid-cap regional bank within the Financials sector, TCBI follows the standard U.S. bank holding company structure, with the parent company regulated at the federal level and the subsidiary bank primarily exposed to Texas commercial banking markets. Regional banks like TCBI typically generate revenue from net interest income (loans and securities) supplemented by fee-based services such as treasury management, wealth advisory, and capital markets activities.
- Net interest margin expansion as Fed rate hikes continue
- Texas commercial real estate and homebuilder loan portfolio drives credit risk
- Investment banking and capital markets revenue grows from financial sponsor coverage
- Wealth management fee income scales as client AUM expands
| Net Income: 364.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 1.53 > 1.0 |
| NWC/Revenue: -988.0% < 20% (prev -1.37k%; Δ 384.8% < -1%) |
| CFO/TA 0.03 > 3% & CFO 920.7m > Net Income 364.6m |
| Net Debt (-7.41b) to EBITDA (541.8m): -13.68 < 3 |
| Current Ratio: 0.32 > 1.5 & < 3 |
| Outstanding Shares: last quarter (45.4m) vs 12m ago -1.66% < -2% |
| Gross Margin: 62.40% > 18% (prev 52.20%; Δ 10.20% > 0.5%) |
| Asset Turnover: 5.96% > 50% (prev 5.62%; Δ 0.34% > 0%) |
| Interest Coverage Ratio: 0.69 > 6 (EBIT TTM 487.5m / Interest Expense TTM 709.6m) |
| A: -0.57 (Total Current Assets 9.14b - Total Current Liabilities 28.5b) / Total Assets 33.9b |
| B: 0.09 (Retained Earnings 2.95b / Total Assets 33.9b) |
| C: 0.01 (EBIT TTM 487.5m / Avg Total Assets 32.9b) |
| D: 0.12 (Book Value of Equity 3.65b / Total Liabilities 30.3b) |
| Altman-Z'' = -3.24 = D |
As of September 27, 2026, the stock is trading at USD 95.82 with a total of 584,930 shares traded. Over the past week, the price has changed by +0.97%, over one month by -2.61%, over three months by -7.31% and over the past year by +11.30%.
Current recommended Stop Loss: 93.70 (which is 2.2% or 1.3 ATR below the current price).
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 | 108.3 | 13% |
P/E Trailing = 12.3049
P/E Forward = 11.0742
P/S = 3.2384
P/B = 1.2229
P/EG = 1.4725
Revenue TTM = 1.96b USD
EBIT TTM = 487.5m USD
EBITDA TTM = 541.8m USD
Long Term Debt = 500.9m USD (from longTermDebt, last quarter)
Short Term Debt = 350.0m USD (from shortTermDebt, last quarter)
Debt = 850.9m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -7.41b USD (calculated: Debt 850.9m - CCE 8.26b)
Enterprise Value = 4.11b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.69 (Ebit TTM 487.5m / Interest Expense TTM 709.6m)
EV/FCF = 4.44x (Enterprise Value 4.11b / FCF TTM 926.0m)
FCF Yield = 22.51% (FCF TTM 926.0m / Enterprise Value 4.11b)
FCF Margin = 47.20% (FCF TTM 926.0m / Revenue TTM 1.96b)
Net Margin = 18.58% (Net Income TTM 364.6m / Revenue TTM 1.96b)
Gross Margin = 62.40% ((Revenue TTM 1.96b - Cost of Revenue TTM 737.6m) / Revenue TTM)
Gross Margin QoQ = 59.19% (prev 63.07%)
Tobins Q-Ratio = 0.12 (Enterprise Value 4.11b / Total Assets 33.9b)
Interest Expense / Debt = 83.40% (Interest Expense 709.6m / Debt 850.9m)
Taxrate = 23.48% (111.9m / 476.5m)
NOPAT = 373.0m (EBIT 487.5m * (1 - 23.48%))
Current Ratio = 0.32 (Total Current Assets 9.14b / Total Current Liabilities 28.5b)
Debt / Equity = 0.23 (Debt 850.9m / totalStockholderEquity, last quarter 3.65b)
Debt / EBITDA = -13.68 (Net Debt -7.41b / EBITDA 541.8m)
Debt / FCF = -8.01 (Net Debt -7.41b / FCF TTM 926.0m)
Total Stockholder Equity = 3.63b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.11% (Net Income 364.6m / Total Assets 33.9b)
RoE = 10.04% (Net Income TTM 364.6m / Total Stockholder Equity 3.63b)
RoCE = 11.80% (EBIT 487.5m / Capital Employed (Equity 3.63b + L.T.Debt 500.9m))
RoIC = 1.10% (NOPAT 373.0m / Invested Capital 33.8b)
WACC = 8.21% (E(4.11b)/V(4.96b) * Re(9.91%) + (debt cost/tax rate unavailable))
Discount Rate = 9.91% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -94.70 | Cagr: -2.14%
[DCF] Terminal Value 77.97% ; FCFF base≈709.4m ; Y1≈813.2m ; Y5≈1.20b
[DCF] Fair Price = 584.8 (EV 18.0b - Net Debt -7.41b = Equity 25.4b / Shares 43.5m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 40.10 | EPS CAGR: 44.05% | SUE: 0.03 | # QB: 0
Revenue Correlation: 75.33 | Revenue CAGR: 4.98% | SUE: 0.41 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.93 | Chg30d=+0.09% | Revisions=-64% | Analysts=12
EPS current Year (2026-12-31): EPS=7.39 | Chg30d=-0.09% | Revisions=-62% | GrowthEPS=+8.7% | GrowthRev=+6.6%
EPS next Year (2027-12-31): EPS=8.21 | Chg30d=-0.21% | Revisions=-50% | GrowthEPS=+11.0% | GrowthRev=+6.5%
[Analyst] Revisions Ratio: -69% (up=4, down=28)