Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.79 | 14.58 | 15.21 | 10.68 | 9.69 | 12.56 | 20.30 | 13.67 | — | 19.11 | 33.45 | 48.96 | 12.48 | 9.68 | 17.49 | 3.56 | 19.94 | 22.31 | 20.76 | 12.66 | 19.74 |
| — | +16.1% | -25.1% | -21.9% | — | -34.2% | -39.3% | -72.1% | — | +97.4% | +91.3% | +1273.6% | -37.4% | -56.6% | -15.8% | -71.8% | +1.0% | +84.1% | +58.1% | -3.0% | +174.0% | |
| P/S Ratio | 3.25 | 4.51 | 3.33 | 3.14 | 2.87 | 2.98 | 3.10 | 3.21 | 6.64 | 2.68 | 2.86 | 3.16 | 2.56 | 2.24 | 2.19 | 2.74 | 2.81 | 2.88 | 3.61 | 3.42 | 3.60 |
| — | +51.0% | +7.2% | -2.2% | -56.8% | +11.2% | +8.4% | +1.6% | +159.3% | +19.7% | +30.6% | +15.4% | -9.0% | -22.3% | -39.2% | -19.9% | -21.9% | -23.6% | -9.9% | +13.2% | +134.1% | |
| P/B Ratio | 1.17 | 1.29 | 1.20 | 1.13 | 1.07 | 1.05 | 1.02 | 1.08 | 0.99 | 0.90 | 0.93 | 0.97 | 0.93 | 0.81 | 0.78 | 0.99 | 1.03 | 0.89 | 0.95 | 0.96 | 0.98 |
| — | +23.1% | +17.8% | +4.7% | +8.2% | +15.8% | +9.6% | +11.4% | +6.9% | +11.5% | +19.2% | -2.1% | -9.9% | -9.0% | -18.4% | +3.3% | +5.8% | -14.6% | -17.0% | -8.7% | +73.5% | |
| P/FCF | 11.73 | 11.79 | 12.51 | 7.86 | 1.60 | 15.97 | — | 82.82 | 2.62 | 62.63 | 9.69 | 4.23 | 8.15 | 9.04 | 35.53 | — | 11.22 | 9.96 | 10.47 | 7.04 | 7.20 |
| — | -26.2% | — | -90.5% | -38.8% | -74.5% | — | +1860.2% | -67.9% | +592.6% | -72.7% | — | -27.3% | -9.2% | +239.2% | — | +55.8% | +194.3% | +128.4% | +338.2% | — | |
| EV / EBITDA | 6.10 | 3.69 | 5.21 | 4.66 | 2.89 | 6.11 | 3.91 | 4.60 | — | 7.89 | 6.71 | 15.86 | 2.51 | 4.62 | 7.47 | 0.13 | 7.38 | 8.34 | -0.29 | -3.72 | -7.70 |
| — | -39.6% | +33.1% | +1.3% | — | -22.5% | -41.7% | -71.0% | — | +70.8% | -10.2% | +11855.3% | -66.1% | -44.7% | +2668.7% | +103.6% | +195.8% | +603.6% | +97.0% | +41.0% | +50.5% | |
| EV / EBIT | 6.60 | 4.12 | 5.91 | 5.18 | 3.15 | 6.97 | 4.51 | 5.35 | — | 9.76 | 8.80 | 21.84 | 2.85 | 5.19 | 8.75 | 0.14 | 8.89 | 10.82 | -0.35 | -4.87 | -10.18 |
| — | -41.0% | +31.2% | -3.3% | — | -28.6% | -48.8% | -75.5% | — | +88.2% | +0.6% | +15796.7% | -67.9% | -52.0% | +2604.8% | +102.8% | +187.3% | +634.6% | +97.1% | +39.6% | +49.1% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 60.6% | 59.2% | 63.1% | 64.9% | 62.0% | 59.2% | 55.9% | 54.0% | 34.1% | 52.3% | 51.7% | 50.6% | 55.2% | 60.5% | 57.9% | 60.6% | 72.7% | 78.1% | 90.0% | 93.7% | 87.0% |
| — | -0.1% | +12.9% | +20.2% | +81.7% | +13.3% | +8.0% | +6.8% | -38.2% | -13.6% | -10.7% | -16.5% | -24.0% | -22.5% | -35.6% | -35.3% | -16.5% | -19.1% | -1.4% | +21.3% | +12.5% | |
| Operating Margin | 22.2% | 25.5% | 19.3% | 28.4% | 26.0% | 20.7% | 12.8% | 19.0% | -23.7% | 12.4% | 7.6% | 5.7% | 17.1% | 19.9% | 12.0% | 69.5% | 15.9% | 16.9% | 23.0% | 35.3% | 24.0% |
| — | +23.0% | +50.9% | +49.3% | +209.9% | +66.9% | +68.3% | +234.8% | -238.1% | -37.8% | -36.5% | -91.8% | +7.6% | +17.8% | -47.9% | +96.5% | -33.6% | -57.7% | -38.2% | +20.2% | -3.0% | |
| Net Margin | 16.5% | 19.3% | 15.1% | 20.0% | 19.9% | 15.7% | 10.0% | 14.4% | -18.2% | 8.8% | 5.7% | 4.5% | 13.0% | 15.3% | 9.1% | 54.3% | 11.9% | 12.7% | 17.3% | 25.9% | 18.2% |
| — | +23.3% | +51.5% | +38.2% | +209.5% | +77.7% | +75.0% | +221.3% | -239.1% | -42.5% | -37.7% | -91.7% | +9.5% | +20.5% | -47.2% | +109.4% | -34.3% | -58.1% | -38.7% | +21.5% | -7.2% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.4% | 2.3% | 2.0% | 2.8% | 2.9% | 2.2% | 1.4% | 2.1% | -1.9% | 1.3% | 0.8% | 0.6% | 2.0% | 2.2% | 1.3% | 7.3% | 1.4% | 1.1% | 1.3% | 2.0% | 1.4% |
| — | +5.1% | +47.3% | +31.1% | +256.8% | +69.7% | +68.6% | +229.2% | -193.8% | -41.1% | -34.9% | -91.2% | +42.5% | +98.9% | +0.1% | +256.9% | +1.5% | -52.2% | -47.2% | -3.4% | -32.9% | |
| ROA | 1.1% | 0.3% | 0.2% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | -0.2% | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% | 0.1% | 0.7% | 0.1% | 0.1% | 0.1% | 0.2% | 0.1% |
| — | +3.2% | +49.8% | +37.9% | +263.6% | +73.1% | +66.7% | +227.8% | -194.8% | -40.8% | -33.0% | -90.6% | +59.5% | +121.4% | +12.5% | +303.4% | +9.0% | -44.8% | -34.9% | +15.9% | -20.4% | |
| ROIC | 7.0% | 1.9% | 1.6% | 2.4% | 2.1% | 1.5% | 0.9% | 1.4% | -1.1% | 0.9% | 0.5% | 0.4% | 1.1% | 1.2% | 0.7% | 3.9% | 0.7% | 0.6% | 0.7% | 1.1% | 0.7% |
| — | +24.7% | +68.0% | +67.5% | +283.5% | +75.6% | +83.4% | +301.6% | -199.3% | -27.3% | -24.7% | -91.0% | +66.6% | +107.2% | +0.3% | +268.9% | -1.6% | -51.7% | -40.0% | +5.9% | -21.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.26 | 0.23 | 0.24 | 0.26 | 0.25 | 0.53 | 0.41 | 0.46 | 0.51 | 0.74 | 0.51 | 0.74 | 0.73 | 0.72 | 0.98 | 0.70 | 0.91 | 1.19 | 0.76 | 0.97 | 0.99 |
| — | -56.2% | -40.8% | -43.0% | -51.3% | -27.5% | -19.0% | -37.8% | -31.1% | +2.6% | -48.4% | +5.7% | -19.6% | -39.6% | +29.1% | -28.4% | -8.2% | +26.2% | -24.2% | -20.2% | -15.8% | |
| Debt / EBITDA | 1.98 | 6.81 | 8.19 | 5.97 | 5.95 | 16.03 | 20.24 | 14.20 | — | 32.20 | 35.12 | 67.27 | 24.49 | 21.99 | 51.04 | 7.40 | 39.50 | 60.51 | 37.20 | 26.90 | 41.30 |
| — | -57.5% | -59.5% | -57.9% | — | -50.2% | -42.4% | -78.9% | — | +46.4% | -31.2% | +808.8% | -38.0% | -63.7% | +37.2% | -72.5% | -4.4% | +145.0% | +41.4% | -18.5% | +15.7% | |
| Current Ratio | 0.08 | 26.12 | 0.10 | 0.08 | 0.25 | 0.10 | 0.15 | 0.13 | 0.29 | 0.25 | 0.31 | 0.30 | 0.32 | 0.28 | 0.32 | 0.35 | 0.25 | 0.26 | 0.32 | 0.40 | 0.31 |
| — | +26437.0% | -31.7% | -39.1% | -13.7% | -60.7% | -50.5% | -57.6% | -11.1% | -10.2% | -3.9% | -12.3% | +26.6% | +5.6% | +0.7% | -13.1% | -17.2% | +0.4% | -12.1% | -5.4% | -22.6% | |
| Quick Ratio | 0.08 | 26.12 | 0.10 | 0.08 | 0.25 | 0.10 | 0.15 | 0.13 | 0.29 | 0.25 | 0.31 | 0.30 | 0.32 | 0.28 | 0.32 | 0.35 | 0.25 | 0.26 | 0.32 | 0.40 | 0.31 |
| — | +26437.0% | -31.7% | -39.1% | -13.7% | -60.7% | -50.5% | -57.6% | -11.1% | -10.2% | -3.9% | -12.3% | +26.6% | +5.6% | +0.7% | -13.1% | -17.2% | +0.4% | -12.1% | -5.4% | -22.6% | |
| Interest Coverage | 0.60 | 0.62 | 0.57 | 0.81 | 0.73 | 0.55 | 0.32 | 0.45 | -0.38 | 0.29 | 0.17 | 0.13 | 0.42 | 0.53 | 0.34 | 2.25 | 0.67 | 1.23 | 2.11 | 3.44 | 2.20 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying TCBI stock.
Texas Capital Bancshares, Inc.'s current P/E is 13.8x. The average P/E over the last 4 quarters is 12.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Texas Capital Bancshares, Inc.'s current operating margin is 22.2%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Texas Capital Bancshares, Inc.'s business trajectory between earnings reports.