Texas Capital Bancshares (TCBI) Stock Price, Financials & Analysis

Key Stats

Market Cap4.29 Bn

P/E12.60

FCF (Yr)347.59 Mn

ROA (Yr)1.06

EV to EBIT0.00

Net Income (Yr)330.24 Mn

Enterprise Value-14.49 Bn

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About

Texas Capital Bancshares, Inc. is a registered bank holding company and a full-service financial services firm that delivers customized solutions to businesses, entrepreneurs and individual customers. The company conducts its business primarily through its wholly-owned bank subsidiary Texas Capital Bank and its wholly-owned non-bank subsidiary Texas Capital Securities. Headquartered in Dallas, Texas Capital Bancshares maintains banking offices in Austin, Dallas, Fort Worth,…

Texas Capital Bancshares generates revenue primarily from interest income on its loan portfolio and from fees associated with deposit accounts, wealth management, treasury services and investment banking activities. The company offers commercial loans, real estate term and construction loans, mortgage warehouse lending, treasury management solutions, online banking, foreign exchange, debit and credit card services, investment advisory, private wealth management, trust services and the Bask Bank platform that provides deposit products linked to airline miles. Revenue is derived from serving business customers such as corporations and entrepreneurs as well as individual consumers seeking personal banking and investment services.

Texas Capital Bancshares positions itself as a leading Texas-based full-service financial services firm that emphasizes local decision-making and relationship-driven banking. The company competes with large national and global banks, regional bank holding companies, non-bank financial institutions, financial technology firms, securities firms and credit unions operating in Texas. Its competitive advantages include deep Texas roots, a focus on commercial businesses and entrepreneurs, the ability to tailor products to client needs and a commitment to maintaining strong liquidity, capital and credit reserves.

Texas Capital Bancshares serves a diverse customer base that includes commercial businesses, entrepreneurs, professionals and individual consumers across various industries. The company does not disclose specific customer names in its filing, but its relationships span corporations, real estate developers, high-net-worth individuals and retail clients seeking banking, wealth management and investment services.

How Texas Capital Bancshares ranks

Ranked against the 368 companies in Banking58 metrics · as of Nov 6, 2026

Valuation

12 metrics · Lower multiples rank higher; a negative multiple ranks last

P/E 12.8xMedian 12.3x 48^th
P/FCF 8.40xMedian 10.6x 79^th
P/Operating cash flow 8.24xMedian 9.88x 74^th
P/S 3.24xMedian 3.42x 58^th
P/B 1.25xMedian 1.22x 47^th
P/Tangible book 1.25xMedian 1.25x 50^th
EV/EBITDAImplausibly low multiple 0.03xMedian 4.99x Not meaningful —
EV/EBITImplausibly low multiple 0.03xMedian 5.16x Not meaningful —
EV/Revenue 0.03xMedian 3.72x 99^th
EV/FCFImplausibly low multiple 0.07xMedian 11.8x Not meaningful —
EV/Operating cash flowImplausibly low multiple 0.07xMedian 11.1x Not meaningful —
PEG (3Y EPS CAGR) 9.08Median 1.29 7^th

Growth

14 metrics · Year-on-year growth and three-year compound annual growth

Revenue growth (1Y) 10.9%Median 12.7% 44^th
Revenue CAGR (3Y) −0.3%Median 6.8% 13^th
Gross profit growth (1Y) —Median 15.5% No data —
Gross profit CAGR (3Y) —Median 8.5% No data —
Operating income growth (1Y) —Median 2.9% No data —
Operating income CAGR (3Y) —Median 2.3% No data —
Net income growth (1Y) 20.8%Median 22.7% 45^th
Net income CAGR (3Y) −2.0%Median 8.1% 23^rd
EPS growth (1Y) 29.4%Median 21.7% 61^st
EPS CAGR (3Y) 1.4%Median 6.1% 31^st
Operating cash flow growth (1Y) 113%Median 28.6% 84^th
Operating cash flow CAGR (3Y) 64.0%Median 5.8% 96^th
Free cash flow growth (1Y) 128%Median 29.1% 84^th
Free cash flow CAGR (3Y) 69.5%Median 5.7% 96^th

Profitability

14 metrics · Margins, returns on capital and the quality of earnings

Gross margin —Median 84.3% No data —
EBITDA margin 91.8%Median 74.4% 91^st
Operating margin —Median 26.3% No data —
Pretax margin 35.3%Median 34.9% 51^st
Net margin 25.7%Median 27.9% 42^nd
FCF margin 38.6%Median 31.7% 70^th
Operating cash flow margin 39.4%Median 34.3% 66^th
Return on equity 10.2%Median 10.6% 46^th
Return on assets 1.1%Median 1.1% 49^th
Return on invested capital 21.3%Median 16.3% 77^th
Return on capital employed —Median 1.0% No data —
Asset turnover 0.04xMedian 0.04x 55^th
Cash conversion (OCF / net income) 1.46xMedian 1.22x 74^th
Stock comp / revenue 3.2%Median 1.3% 9^th

Financial Health

11 metrics · Leverage, liquidity and solvency; less debt ranks higher

Debt / assets 1.5%Median 3.4% 75^th
Debt / equity 0.14xMedian 0.33x 73^rd
Net debt / EBITDA −3.51xMedian 0.35x 94^th
Debt / FCF 0.94xMedian 2.55x 78^th
Liabilities / assets 89.2%Median 89.1% 47^th
Equity / assets 10.8%Median 10.9% 47^th
Interest coverage 1.67xMedian 1.75x 44^th
Current ratio —Median 0.45x No data —
Quick ratio —Median 0.25x No data —
Cash ratio —Median 0.14x No data —
Altman Z-score —Median 0.05 No data —

S.No.	Ticker	Company	Market Cap	P/E	P/S	Total Debt (Qtr)
1	JPM	Jpmorgan Chase & Co	918.91 Bn	14.24	4.52	531.50 Bn
2	BSAC	Banco Santander Chile	870.35 Bn	815.19	77.37	49.65 Bn
3	BAC	Bank Of America Corp /De/	358.55 Bn	11.66	2.98	380.92 Bn
4	HSBC	Hsbc Holdings Plc	315.74 Bn	-	-	-
5	MS	Morgan Stanley	290.88 Bn	14.66	3.63	388.59 Bn
6	RY	Royal Bank Of Canada	287.92 Bn	17.53	5.60	-
7	GS	Goldman Sachs Group Inc	270.57 Bn	12.70	3.88	444.82 Bn
8	TCBI	Texas Capital Bancshares Inc/Tx	4.29 Bn	12.60	3.19	0.49 Bn

S.No.

Ticker

Company

Market Cap

P/E

P/S

Total Debt (Qtr)

JPM

Jpmorgan Chase & Co

918.91 Bn

14.24

4.52

531.50 Bn

BSAC

Banco Santander Chile

870.35 Bn

815.19

77.37

49.65 Bn

BAC

Bank Of America Corp /De/

358.55 Bn

11.66

2.98

380.92 Bn

HSBC

Hsbc Holdings Plc

315.74 Bn

Morgan Stanley

290.88 Bn

14.66

3.63

388.59 Bn

Royal Bank Of Canada

287.92 Bn

17.53

5.60

Goldman Sachs Group Inc

270.57 Bn

12.70

3.88

444.82 Bn

TCBI

Texas Capital Bancshares Inc/Tx

4.29 Bn

12.60

3.19

0.49 Bn

Texas Capital Bancshares TCBI

About

How Texas Capital Bancshares ranks

Valuation

Growth

Profitability

Financial Health

Shareholder Returns

Peer Comparison

Texas Capital Bancshares TCBI

About

How Texas Capital Bancshares ranks

Valuation

Growth

Profitability

Financial Health

Shareholder Returns

Peer Comparison

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