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TCBITCBI

$84.65

-2.69
arrow_drop_down3.08%
Market closed·update13 Nov 2025 21:00
Day's Range
84.34-87.59
52-week Range
59.37-94.61

Chart

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Performance

Key Stats

Next Earnings Date2025-10-22
Next Earnings TimeAfter Market Close
Volume371.41K
Average Volume 30d475.44K

AI TCBI Summary

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29.5
Valuation (P/E Ratio)
Within a reasonable range for the financial sector, considering TTM earnings.
📈
-0.57
EPS Growth (YoY)
Negative year-over-year EPS growth in the latest reported periods.
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AI Scoreboard

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Overall Analysis

Neutral
73

Texas Capital Bancshares exhibits mixed signals. While its fundamental financial health appears sound, recent performance and technical indicators suggest a period of consolidation or potential downward pressure. Investors should monitor upcoming earnings and market sentiment closely.

Neutral

Thematic

50

As a regional bank, Texas Capital Bancshares is primarily influenced by macroeconomic factors and regional economic health rather than specific high-growth technological or societal trends.

Strong

Fundamental

78

Texas Capital Bancshares demonstrates a solid financial foundation with healthy revenue and profitability metrics, though recent quarters show a decline in net margin. Its debt levels appear manageable.

Bearish

Technical

63

The stock is showing weakness across multiple timeframes. It is trading below key moving averages and exhibits predominantly sell signals from oscillators and moving averages, indicating downward momentum.

FactorScore
Digital Banking Adoption60
Economic Growth (Regional)70
Interest Rate Environment40
Regulatory Landscape (Financial Services)50
Competitive Landscape30
FactorScore
Valuation60
Profitability55
Growth40
Balance Sheet Health70
Cash Flow75
Earnings Stability65
FactorScore
Trend Analysis30
Trend Analysis30
Momentum50
Momentum (Short-term)40
Moving Averages (Short-term)40
Support & Resistance50
Overall Technical Signal40

AI Investing Checklist

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Bullish Points (6)

Valuation chevron_right

Potential Value Opportunity

The P/E ratio (TTM) of 29.5 is relatively high but might be justified by the stock's strong performance. The P/S ratio (TTM) of 4.0 indicates a premium valuation, but the company has demonstrated strong revenue generation.

Performance chevron_right

Positive Short-to-Mid Term Performance

The stock has shown positive performance over the last 1 month (9.65%) and 6 months (9.85%), indicating recent positive investor sentiment and momentum.

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Bearish Points (6)

Valuation chevron_right

Elevated Valuation Metrics

The P/E ratio (TTM) of 29.5 and P/S ratio (TTM) of 4.0 are on the higher side, suggesting the market may have high expectations for future growth, which could lead to price corrections if not met.

Growth and Profitability chevron_right

Declining Net Margin

The net margin has decreased significantly from 34.0% in 2022Q4 to 8.3% in 2024Q4, indicating potential pressures on profitability and increasing operational costs relative to revenue.

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Calendar

July 2025

17

Next Earnings Date

EPS Est.
Revenue Est.

H: $1.82

A: $1.78

L: $1.70

H: 332.95M

A: 326.84M

L: 319.10M

Profile

Employees (FY)1.82K
ISINUS88224Q1076
FIGI-

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. Texas Capital Bancshares, Inc. was incorporated in 1996 and is headquartered in Dallas, Texas.

Seasonals

2025
2024
2023
2022
2021

Price Target

91.85 USD

The 39 analysts offering 1 year price forecasts for TCBI have a max estimate of 102.00 and a min estimate of 79.00.

Debt Level and Coverage

Debt
Free cash flow
Cash & equivalents

Financial Position Analysis

Assets
Liabilities

Ownership

Free Float shares
42.4M (92.60%)
Closely held shares
3.39M (7.40%)
45.8M
Free Float shares
42.4M (92.60%)
Closely held shares
3.39M (7.40%)

Capital Structure

Market cap
3.95B
Debt
1.55B
Minority interest
0.00
Cash & equivalents
3.19B
Enterprise value
2.31B

Valuation - Summary

Market Cap
3.95B
Net income
134M(3.39%)
Revenue
997M(25.21%)
3.95B
Market Cap
3.95B
Net income
134M(3.39%)
Revenue
997M(25.21%)
Price to earning ratio (P/E)29.50x
Price to sales ratio (P/S)4.00x

Valuation - Ratios

P/E
P/S

Revenue to Profit Conversion

Revenue
932.35M
COGS
932.35M
Gross Profit
0.00
OpEx
0.00
Operating Income
0.00
Other & Taxes
-77.51M
Net Income
77.51M

Balance Sheet

Total assets
Total liabilities
Liabilities to assets %

Income Statement

Revenue
Net Income
Net Margin

Cash Flow

Operating Cash Flow
Investing Cash Flow
Financing Cash Flow
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