TCBITexas 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.
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.
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.
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.
| Factor | Score |
|---|---|
| Digital Banking Adoption | 60 |
| Economic Growth (Regional) | 70 |
| Interest Rate Environment | 40 |
| Regulatory Landscape (Financial Services) | 50 |
| Competitive Landscape | 30 |
| Factor | Score |
|---|---|
| Valuation | 60 |
| Profitability | 55 |
| Growth | 40 |
| Balance Sheet Health | 70 |
| Cash Flow | 75 |
| Earnings Stability | 65 |
| Factor | Score |
|---|---|
| Trend Analysis | 30 |
| Trend Analysis | 30 |
| Momentum | 50 |
| Momentum (Short-term) | 40 |
| Moving Averages (Short-term) | 40 |
| Support & Resistance | 50 |
| Overall Technical Signal | 40 |
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.
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.
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.
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.
July 2025
17
Next Earnings Date
H: $1.82
A: $1.78
L: $1.70
H: 332.95M
A: 326.84M
L: 319.10M
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.
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.