Texas Capital Bancshares, Inc. (TCBI)
Fair ValueFundamental
84
Price
$101.99
Market Cap
$4.06B
Part 1 · What the company is worth
Overview
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.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$1.33B
Trailing 12 months (through 6/30/2026)
Net Income
$365M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$348M
Total Equity
$3.63B
Total Liabilities
$27.91B
Current Ratio
-
Interest Coverage
0.45
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$93.71
Current Price
$101.99
Margin of Safety
-8.8%
Fair Value Range
$60.91 - $126.51
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
13.28
ROE
9.1%
P/B Ratio
1.22
P/FCF
9.40
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
8.8%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (18)
- EPS shows upward trend
- EPS CAGR 17.01%
- P/FCF 9.40
- P/B ratio 1.22
- Operating margin 35.9%
- Positive free cash flow
- CapEx intensity
- Low reliance on intangibles
- Price below Graham Number
- DCF valuation (Undervalued)
- ROE 10.0%
- Revenue growth 5Y 5.4%
- Earnings surprise, average 10.8%
- PEG ratio 0.27
- Earnings quality (operating cash flow / net income) 1.34
- Share dilution -19.7%
- Net margin trend 27.5% vs 13.4%
- Piotroski F-Score 7/9
Failed (4)
- Price CAGR 1.85%
- Debt/equity ratio
- Interest coverage
- Return on tangible assets
Unavailable (5)
- ROIC –
- Gross margin –
- Dividend payout –
- Current ratio
- Debt/EBITDA
Piotroski F-Score
Strong financial health
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Robert C. Holmes | Chairman, President & CEO | 60 |
| Mr. John Matthew Scurlock | MD & CFO | 43 |
| Mr. John W. Cummings | MD & COO | 64 |
| Ms. Anna M. Alvarado-Pearce J.D. | MD, Chief Legal Officer & Corporate Secretary | 45 |
Audit Risk
4
Board Risk
4
Compensation Risk
4
Shareholder Rights Risk
1
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-10
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-10-22
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-10-21
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much TCBI moves, measured on its daily prices.
More volatile than 14% of the tracked stocks (90-day volatility).
- Volatility 30d
- 27.7%
- Volatility 90d
- 22.8%
- Beta vs S&P 500 (1y)
- 0.71Correlation 0.35
- Max drawdown (12m)
- -17.8%
- ATR (14d, % of price)
- 2.59%
Earnings reactions
How TCBI moved around its past quarterly results.
Next earnings release
Jan 21, 2027 · In 89 days · Time not known
EPS estimate: 2.02Revenue estimate: $347M
What usually happens
- Over the last 12 releases the stock moved a median of 2.8% the next day, up or down.
- Next-day moves: up 8, down 4 (out of 12).
- Of the 4 releases that beat estimates, the stock fell the next day after 1.
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Oct 21, 2026 | After the close | 1.95 | 2.28 | +16.9% | +1.5% | +5.7% | n/a |
| Jul 22, 2026 | After the close | 1.90 | 1.83 | -3.7% | -4.2% | -4.1% | -4.4% |
| Apr 23, 2026 | During the session | 1.43 | 1.56 | +9.0% | +0.2% | +1.0% | -3.9% |
| Jan 22, 2026 | During the session | 1.80 | 2.12 | +17.7% | +1.2% | 0.0% | -3.3% |
| Oct 22, 2025 | After the close | 1.81 | 2.18 | +20.5% | +1.9% | +3.0% | +1.6% |
| Jul 17, 2025 | During the session | n/a | n/a | n/a | +1.6% | +4.5% | +3.0% |
| Apr 17, 2025 | During the session | n/a | n/a | n/a | -4.1% | +1.4% | +4.7% |
| Jan 23, 2025 | During the session | n/a | n/a | n/a | -0.8% | -4.5% | -2.5% |
| Oct 17, 2024 | During the session | n/a | n/a | n/a | +0.1% | +2.7% | -1.3% |
| Jul 18, 2024 | During the session | n/a | n/a | n/a | -2.7% | -6.6% | -7.9% |
| Apr 18, 2024 | During the session | n/a | n/a | n/a | -1.6% | +0.1% | +7.5% |
| Jan 18, 2024 | During the session | n/a | n/a | n/a | 0.0% | +2.4% | +2.2% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on TCBI and what the price did next.
- 3/2/2026PositiveTexas Capital Bancshares Board Director Buys 40K Shares for $888K
- +1 day
- +1.1%
- +3 days
- +0.9%
- 2/24/2026PositiveTexas Capital Bancshares Could Soar If These 2 Things Go Right
Published while the US market was open: the move of that day cannot be split into before and after the news, so no figure is shown.
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for TCBI.
- 3/2/2026POSITIVETexas Capital Bancshares Board Director Buys 40K Shares for $888K
Markets Gazette reports a significant vote of confidence for Texas Capital Bancshares. A board director recently acquired 40,000 depositary shares, totaling $888,000. This move, which follows a period of stock growth in 2026, suggests strong internal conviction in the bank's future prospects. Insider buying, especially of this magnitude, is often interpreted by investors as a positive indicator of the company's financial health and potential for value appreciation, reinforcing perceptions of solidity and good return prospects.
- 2/24/2026POSITIVETexas Capital Bancshares Could Soar If These 2 Things Go Right
Texas Capital Bancshares (TCBI) is emerging as a potential key player in a declining interest rate environment. According to recent assessments, the Texas-based banking institution has strategically prepared to capitalize on an economic landscape characterized by more accommodative monetary policy. This outlook suggests that should the Federal Reserve decide to lower rates, TCBI could experience significant appreciation in its stock value. For investors, this implies a need to closely monitor future central bank moves and TCBI's performance, as its strategic positioning could translate into a capital growth opportunity within an evolving market context. The bank's adaptability and preparedness are key factors to consider.