TCBI Financial Services

Texas Capital Bancshares, Inc.

$103.34-0.75%

Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 4.5B USD
Full-time employees: 1,785

Overall health

About average: profitability and valuation

Ranks #184 of 791 banks & insurance companies (top 24%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Fast revenue growth. Revenue grew 35% in the 12 months to June 2026 vs the 12 months before, faster than 89% of peers.
Revenue grew 35% in the 12 months to June 2026 vs the 12 months before, faster than 89% of its peers.

StockQuotient Score

63/ 100▼ 1 since Oct 27 close

Oct 5 68 → Nov 4 63 (-5)

Valuation

Is the price right?

52/100

Moderate▼ 3 since Oct 27 close

2/2 inputs reported · High confidence

Why it changed since the Oct 27, 2026 close: Score 55 → 52

Share price +2.3%-2
Peer companies moved-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Close to the peer norm on every measure.

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield81.2%

SEC filings · latest balance sheetReported value40% base weight · Z-score 0.06Sector median: 0.7950 · MAD: 0.2843

Earnings yield8.1%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score 0.09Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield10.5%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

95/100

Strong

1/1 inputs reported · High confidence

Why

Stronger than most peers on:

▲ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth186.2%

SEC filings · 12 months to Jun 2026Outlier capped at sector 5th/95th percentile100% base weight · Z-score 7.87Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth8.7%

Yahoo Finance fallback · SEC figure unavailable or out of date · 3 fiscal years to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth34.7%

Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

42/100

Moderate

2/2 inputs reported · High confidence

Why

Close to the peer norm on every measure.

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets1.1%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -0.16Sector median: 0.0117 · MAD: 0.0062

Return on equity10.0%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -0.19Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Texas Capital Bancshares

Is Texas Capital Bancshares getting weaker?: A comparison of its latest SEC filing with the previous one isn't available yet. Its overall score is 63/100, down 1 since Oct 28, 2026.
How is Texas Capital Bancshares valued vs its peers?: Priced about in line with its peers. Valuation scores 52/100 against 950 banks & insurance peers.
Is Texas Capital Bancshares growing?: Yes, faster than most of its peers. Growth scores 95/100 against 950 banks & insurance peers. Earnings per share growth 186.2% vs a peer median of 16.0% (stronger than 95% of peers).Earnings per share growth 186.2% vs peers 16.0% (stronger than 95% of peers).
How profitable is Texas Capital Bancshares?: About as profitable as its peers. Profitability scores 42/100 against 950 banks & insurance peers.
How risky is Texas Capital Bancshares?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Return on assets (ROA)	0.7%	1.2%	0.7%	0.3%	1.0%	▲ 0.8 pts
Return on equity (ROE)	7.9%	10.9%	5.9%	2.3%	9.1%	▲ 6.8 pts
Debt to equity	0.29×	0.30×	0.27×	0.20×	0.17×	▼ 13%

TCBI price history

Price history is added with the daily price update and will appear after the next one.

Similar companies

Sector leaderboards

White Mountains Insurance Group, Ltd.WTM94/ 100

The Allstate CorporationALL93/ 100

PT Saratoga Investama Sedaya TbkSRTG.JK93/ 100

Bringing the fundamentals into focus…

Overall health

About average: profitability and valuation

Ranks #184 of 791 banks & insurance companies (top 24%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Questions investors ask about Texas Capital Bancshares

Is Texas Capital Bancshares getting weaker?

A comparison of its latest SEC filing with the previous one isn't available yet. Its overall score is 63/100, down 1 since Oct 28, 2026.

How is Texas Capital Bancshares valued vs its peers?

Priced about in line with its peers. Valuation scores 52/100 against 950 banks & insurance peers.

Is Texas Capital Bancshares growing?

Yes, faster than most of its peers. Growth scores 95/100 against 950 banks & insurance peers. Earnings per share growth 186.2% vs a peer median of 16.0% (stronger than 95% of peers).Earnings per share growth 186.2% vs peers 16.0% (stronger than 95% of peers).

How profitable is Texas Capital Bancshares?

About as profitable as its peers. Profitability scores 42/100 against 950 banks & insurance peers.

How risky is Texas Capital Bancshares?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Return on assets (ROA)

0.7%

1.2%

0.7%

0.3%

1.0%

▲ 0.8 pts

Return on equity (ROE)

7.9%

10.9%

5.9%

2.3%

9.1%

▲ 6.8 pts

Debt to equity

0.29×

0.30×

0.27×

0.20×

0.17×

▼ 13%