Texas Capital Bancshares, Inc. TCBI R2K

Financial Services · Banks - Regional · United States

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 solutions, including capital markets, mergers and acquisitions, and syndicated finance, as well as financial sponsor coverage, capital solutions, and institutional services; and wealth management services, such as investment management, financial planning, lockbox and insurance, securities-based lending, estate planning, and business succession, as well as philanthropic, trustee and executor, custom credit, and depository services. It also provides deposit accounts, analyzed accounts, commercial card, SBA and business loans, packaged solutions, and merchant services; liquidity and investments, working capital, international trade and payment, and treasury and credit products; and commercial real estate, homebuilder and community, and mortgage finance. In addition, the company offers payables and receivables management; online and mobile banking; term loans and lines of credit, equipment finance and lease, acquisition finance, and asset-based lending; private wealth advisory solutions; and checking and savings accounts, debit and credit cards, and certificates of deposit, as well as ETF and funds management services. Further, it provides financial institution money market accounts and loan syndication products; commercial loans for financing for working capital, organic growth, and acquisitions; real estate term and construction loans; mortgage warehouse lending services; treasury management, trust, and advisory and escrow services; and letters of credit. The company operates in Austin, Dallas, Fort Worth, Houston, and San Antonio metropolitan areas of Texas, as well as in California and New York. The company was incorporated in 1996 and is headquartered in Dallas, Texas.

Market & Price

Market Cap

$4.34B

Current Price

$99.49

High / Low (52W)

$105.98 / $71.47

Beta

0.69

Valuation

Stock P/E

13.39

Industry PE

12.01

Forward P/E

11.91

PEG Ratio

1.47

Book Value

$75.28

Price to Book

1.32

P/S

3.49

EV/EBITDA

Dividend Yield

0.80%

Profitability & Returns

ROCE

ROE

10.15%

ROA

1.10%

Profit Margin

28.67%

Op Margin

32.24%

EPS (Latest Qtr)

$1.56

EPS (TTM)

$7.43

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$919.87M

Total Assets

$31.54B

Current Assets

Working Capital

Ownership

Promoter Holding

2.03%

Chg in Prom Hold

FII / Inst Holding

107.59%

Chg in FII Hold

0.01%

Financial Snapshot

Enterprise Value

$2.64B

Total Revenue (TTM)

$1.25B

EBITDA

Free Cash Flow

Operating Cash Flow

$447.32M

Shares Outstanding

43.67M

Gross Margin

0.00%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

8.74%

Profit 5Y

-0.22%

Revenue (YoY)

16.90%

Earnings (YoY)

69.60%

PROS

Excellent profit margin of 28.7%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Earnings shrank at -0.2% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	TCBI Texas Capital Bancshares, Inc. R2K	99.49	13.39	$4.34B	0.80%	-	10.15%	8.74%	-0.22%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	280.48M	307.46M	340.35M	327.48M	323.99M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	191.25M	186.17M	188.84M	176.88M	164.38M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	60.46M	102.19M	137.78M	132.28M	94.42M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	13.41M	24.86M	32.57M	31.63M	20.63M
Net Income	34.75M	25.13M	38.88M	42.73M	48.39M	42.54M	51.09M	58.68M	44.74M	71.94M	71.44M	85.55M	71.89M	81.70M	77.81M	88.08M	64.42M	-16.69M	-34.32M	57.12M	60.18M	71.94M	73.48M	43.39M	65.13M	39.65M	34.16M	41.42M	217.25M	38.66M	68.65M	61.68M	26.14M	41.66M	-61.32M	47.05M	77.33M	105.21M	100.66M	73.79M
Diluted EPS	0.70	0.49	0.78	0.87	0.96	0.80	0.97	1.12	0.84	1.38	1.38	1.65	1.38	1.58	1.50	1.70	1.23	-0.38	-0.73	1.08	1.14	1.33	1.31	0.76	1.19	0.69	0.59	0.74	4.23	0.70	1.33	1.18	0.46	0.80	-1.41	0.92	1.58	2.18	2.12	1.56

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	238.00K	149.00K	-	-	-	-	-	-	-	-	-	-	976.76M	1.08B	932.35M	1.26B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	268.48M	715.80M	828.25M	743.15M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	431.75M	246.59M	107.06M	432.71M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	99.28M	57.45M	29.55M	102.47M
Net Income	-	-	120.67M	121.05M	136.35M	144.85M	155.12M	196.08M	293.39M	312.01M	66.29M	-	332.48M	189.14M	77.51M	330.24M
Diluted EPS	1.00	1.98	3.00	2.72	2.88	2.91	3.11	3.73	5.64	5.99	1.12	-	6.18	3.54	1.28	6.79

Compounded Sales Growth

5 Years:	8.74%
1 Year:	16.90%

Compounded Profit Growth

5 Years:	-0.22%
1 Year:	69.60%

Stock Price Performance

1 Year:	+38.78%
6 Months:	+9.67%
3 Months:	+4.40%
1 Month:	+0.96%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Jun 2012	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	15.00B	-	8.14B	10.54B	10.54B	11.72B	15.91B	18.90B	21.70B	25.08B	28.26B	32.55B	37.73B	-	28.41B	28.36B	30.73B	31.54B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	125.44M	179.87M	110.56M	206.35M	206.35M	153.91M	1.33B	1.79B	2.84B	2.91B	3.08B	4.43B	-	-	5.01B	3.24B	3.19B	2.10B
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	559.90M	719.16M	801.67M	-	-
Total Liabilities	-	-	7.52B	9.70B	9.70B	10.62B	14.42B	17.28B	19.69B	22.89B	25.78B	29.75B	34.85B	-	25.36B	25.16B	27.36B	27.91B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	395.90M	-	931.44M	859.15M	660.35M	620.58M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.13B	2.36B	1.55B	920.58M
Total Equity	-	-	616.33M	836.24M	836.24M	1.10B	1.48B	1.62B	2.00B	2.19B	2.48B	2.80B	2.87B	-	3.06B	3.20B	3.37B	3.63B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	50.87M	51.14M	51.52M	51.79M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-403.92M	75.85M	89.27M	191.38M	157.73M	68.94M	-726.29M	132.16M	-679.72M	-240.19M	2.64B	-	147.97M	373.74M	480.09M	360.15M
Investing Cash Flow	-	-	-2.26B	-1.28B	-2.98B	-2.46B	-850.21M	-3.22B	-1.99B	-2.28B	-2.94B	-	3.31B	-1.76B	-2.48B	-1.85B
Financing Cash Flow	-	-	2.27B	1.03B	4.00B	2.85B	2.62B	3.15B	2.85B	3.86B	5.08B	-	-6.39B	-387.67M	1.94B	404.27M
Capital Expenditure	-3.83M	-3.29M	-3.54M	-4.03M	-15.73M	-5.03M	-2.18M	-12.27M	-7.65M	-16.65M	-2.80M	-	-11.27M	-16.38M	-64.84M	-12.57M
Free Cash Flow	-407.75M	72.57M	85.73M	187.35M	142.00M	63.91M	-728.47M	119.90M	-687.37M	-256.84M	2.64B	-	136.70M	357.36M	415.25M	347.58M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-2.93B	-1.77B	-54.04M	-1.09B
Share Buybacks	-	-	-	-	-	-	-	-	-	-	0	0	115.30M	105.02M	81.51M	185.85M

Ratios (Annual)

Figures in %.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	34.0%	17.6%	8.3%	26.3%
ROE %	-	-	14.4%	11.0%	9.2%	8.9%	7.8%	9.0%	11.8%	11.1%	2.3%	-	10.9%	5.9%	2.3%	9.1%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

2.03%

Institutions

107.59%

Public Float

109.82%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	12.48%	5.45M	$542.42M
2	T. Rowe Price Investment Management, Inc.	7.77%	3.39M	$337.68M
3	Dimensional Fund Advisors LP	6.55%	2.86M	$284.48M
4	AQR Capital Management, LLC	5.60%	2.45M	$243.26M
5	State Street Corporation	5.54%	2.42M	$240.83M
6	Vanguard Portfolio Management LLC	4.88%	2.13M	$212.11M
7	Vanguard Capital Management LLC	4.53%	1.98M	$196.80M
8	Geode Capital Management, LLC	3.02%	1.32M	$131.18M
9	Alliancebernstein L.P.	2.79%	1.22M	$121.16M
10	Neuberger Berman Group, LLC	2.08%	910.11K	$90.55M

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