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TCBITexas Capital Bancshares, Inc.
$103.34$4.5B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
TCBI logo

Texas Capital Bancshares, Inc.

TCBI
NASDAQ · Regional Banks
$103.34
At close - Nov 3, 4:00 PM EST - USD
Market Cap$4.49B
P/E12.4x
52W High$108.92
Volume495.9K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Fee Volatility Masks Thin Margins, Reclassification Risk

TCBI's NII recovery from $216.6M in 2024Q2 to $275.0M in 2026Q3 (27% cumulative) appears to be maturing, with growth decelerating to 1.2% and a -1.3% dip in 2026Q2, suggesting loan volume—not rate tailwinds—must carry forward earnings momentum.

GrowthMixed
ProfitabilityModerate
ValuationReview
TechnicalsNeutral
Explore valuation models
MARKET ACTION

TCBI price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

7/12 Beats

EPS beat 7 of last 12 quarters

02

Valuation risk

In Line

P/E is in line with peer median

03

Market leadership

RS 71 · Avg

Average momentum (RS Rating: 71)

04

Trend Check

N/A

Trend data unavailable

Next CatalystEstimated earnings · Oct 22

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
TCBI+13.13%
S&P 500 (^GSPC)+7.63%
1-Year Return
TCBI+22.55%
S&P 500 (^GSPC)+9.69%
3-Year Return
TCBI+82.32%
S&P 500 (^GSPC)+68.76%
5-Year Return
TCBI+64.90%
S&P 500 (^GSPC)+56.80%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
12.4x
Forward P/E
14.0x
EV/EBITDA50th %ile
6.2x
FCF YieldCash Flow
11.8%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
12.4x
13.3x
20th· Low
EV/EBITDA
6.2x
7.9x
50th· Fair
Price/FCF
8.5x
8.8x
20th· Low
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$32.00-69.0%
Base (Fair)$75.25-27.2%
Bull$135.45+31.1%
$32.00 Bear$75.25 Base$135.45 Bull
Current Market Price: $103.34
Trades at a 37.3% premium to Base DCF ($75.25)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$1.26B+34.7% YoY
Net income FY25
$330M+326.1% YoY
Free cash flow FY25
$348M-16.5% YoY
Operating margin FY25
35.3%+23.9 pts YoY
ROIC (FY25)7%
Avg ROIC 5Y4.3%
ROE (TTM)10.1%
Piotroski Score8 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate7/12 (58%)
Revenue Beat Rate6/12 (50%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 22, 2026
$1.83-2.1%
vs $1.87
$335M+0.7%
vs $333M
Q2 2026
Apr 23, 2026
$1.58+12.9%
vs $1.40
$324M+1.8%
vs $318M
Q1 2026
Jan 22, 2026
$2.08+16.9%
vs $1.78
$327M+1.3%
vs $323M
Q4 2025
Oct 22, 2025
$2.18+23.2%
vs $1.77
$317M-2.8%
vs $327M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
Zacks Investment Research·Oct 23, 2026
Texas Capital Hits Record Revenues in Q3: Can Growth Momentum Continue?

Texas Capital Bancshares, Inc. TCBI delivered record revenues of $356.6 million in the third quarter of 2026, up 4.8% year over year. Growth reflected higher net interest income (NII) and higher non-interest income, highlighting the contribution of its lending and fee-generating businesses.

Zacks Investment Research·Oct 23, 2026
Here's Why Texas Capital (TCBI) is a Strong Momentum Stock

Whether you're a value, growth, or momentum investor, finding strong stocks becomes easier with the Zacks Style Scores, a top feature of the Zacks Premium research service.

Seeking Alpha·Oct 22, 2026
Texas Capital Bancshares, Inc. (TCBI) Q3 2026 Earnings Call Transcript

Texas Capital Bancshares, Inc. (TCBI) Q3 2026 Earnings Call Transcript

Zacks Investment Research·Oct 21, 2026
Compared to Estimates, Texas Capital (TCBI) Q3 Earnings: A Look at Key Metrics

Although the revenue and EPS for Texas Capital (TCBI) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Filtered for Texas Capital Bancshares, Inc.More Headlines
04

Compare before deciding

Benchmark TCBI against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Texas Capital Bancshares, Inc. (TCBI)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
TCBI logoTCBITexas Capital Bancshares, Inc.Current
$103.34$4.49B12.4134.69%28.63%10.11%0.37%
IBOC logoIBOCInternational Bancshares Corporation
$67.57$4.2B10.210.74%100.94%12.66%2.07%
FFIN logoFFINFirst Financial Bankshares, Inc.
$30.41$4.36B15.0216.23%42.9%15.14%2.43%
BOKF logoBOKFBOK Financial Corporation
$129.48$7.87B11.629.59%29.56%11.21%1.87%
CULP logoCULPCulp, Inc.
$3.60$45.59M-11.547.1%-1.93%-7.76%—
CFR logoCFRCullen/Frost Bankers, Inc.
$155.23$9.75B13.988.31%29.51%15.58%2.57%

Compare TCBI vs Peers

Texas Capital Bancshares, Inc. (TCBI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs IBOC

Most directly comparable listed peer for TCBI.

Scale Benchmark

vs JPM

Larger-name benchmark to compare TCBI against a more recognizable public peer.

Peer Set

Compare Top 5

vs IBOC, FFIN, BOKF, CULP

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

TCBI SEC Filings & Documents

Texas Capital Bancshares, Inc. (TCBI) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Oct 21, 2026·SEC

Material company update

Jul 22, 2026·SEC

Material company update

Apr 23, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 10, 2026·SEC

FY 2025

Feb 11, 2025·SEC

FY 2024

Feb 13, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Oct 22, 2026·SEC

FY 2026

Jul 23, 2026·SEC

FY 2026

Apr 23, 2026·SEC

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TCBI Frequently Asked Questions

Texas Capital Bancshares, Inc. (TCBI) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Texas Capital Bancshares, Inc. growing?

Texas Capital Bancshares, Inc. (TCBI) grew revenue by 4.7% over the trailing twelve months, compared with the twelve months before.

Is TCBI profitable?

Yes. Texas Capital Bancshares, Inc. (TCBI) earned $363.1M in net income over the trailing twelve months (a 28.6% net margin).

Dividend & Returns
Does TCBI pay dividends?

Yes. Texas Capital Bancshares, Inc. (TCBI) pays a dividend that yields 0.37% at the current price, a small yield.

What is TCBI's return on equity?

Texas Capital Bancshares, Inc. (TCBI) had a return on equity (ROE) of 10.1% over the trailing twelve months. That is in line with the market's typical 10-15%.

Industry Metrics
What is Texas Capital Bancshares, Inc.'s net interest margin?

Texas Capital Bancshares, Inc. (TCBI) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.

What is Texas Capital Bancshares, Inc.'s efficiency ratio?

Texas Capital Bancshares, Inc. (TCBI) has an efficiency ratio of 61.2%. This is reasonable for a bank.

What if you invested $1,000 in TCBI back in 1999?

Total return calculator · dividends reinvested · 27+ years of data

See returns →