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Texas Capital Bancshares, Inc. (TCBI)

POSITIVE
Financial ServicesBanks - RegionalUnited States

Fondamental

81

Prix

$98.13

Capitalisation boursière

$4.26B

Partie 1 · Ce que vaut l'entreprise

Vue d'ensemble

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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Bilan & Liquidités

Chiffre d'affaires

$1.33B

12 derniers mois (au 30/06/2026)

Résultat net

$365M

12 derniers mois (au 30/06/2026)

Flux de trésorerie libre

$348M

Capitaux propres totaux

$3.63B

Passif total

$27.91B

Ratio de liquidité général

-

Couverture des intérêts

0.45

Dette/EBITDA

-

Bénéfice par action

Chiffre d'affaires & Résultat net

Flux de trésorerie libre

Décomposition du résultat

État historique

Marges dans le temps

La dette dans le temps

Grille de la croissance

Croissance — Chiffre d'affaires

Estimation de la juste valeur

BankJustement valorisé

Juste valeur

$96.57

Prix actuel

$98.13

Marge de sécurité

-1.6%

Fourchette de juste valeur

$62.77 - $130.37

Méthodes d'estimation

Analyst price target:$109.31
Discounted cash flow (DCF):Not applicable to this type of company
Earnings multiple (P/E):$96.10
Graham growth formula:Not applicable to this type of company
Earnings power value (EPV):Not applicable to this type of company
Justified P/B:$123.78
Dividend discount (Gordon):$9.90
P/FFO, funds from operations:Not applicable to this type of company
Mid-cycle earnings:Not applicable to this type of company
Revenue multiple:Not applicable to this type of company
Consensus des analystes:Acheter (9B / 8H / 2S)
Dernière surprise sur les résultats:-3.67%

Indicateurs de valorisation

Ratio P/E

12.76

ROE

9.1%

Ratio P/B

1.17

P/FCF

9.03

Marge brute

-

ROIC

-

Radar de rentabilité

Value Creation (Economic Moat)

ROIC

-

WACC

8.7%

ROIC − WACC

-

Critères d'analyse fondamentale

Réussi (18)

  • EPS shows upward trend
  • EPS CAGR 17.01%
  • P/FCF 9.03
  • P/B Ratio 1.17
  • 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 avg 10.9%
  • PEG Ratio 0.30
  • Earnings Quality (OCF/NI) 1.34
  • Share Dilution -19.7%
  • Net Margin Trend 27.5% vs 13.4%
  • Piotroski F-Score 7/9

Échoué (5)

  • Price CAGR 2.29%
  • Debt/Equity ratio
  • Interest Coverage
  • Return on Tangible Assets
  • Analyst Consensus 47% Buy

Indisponible (5)

  • ROIC NaN%
  • Gross Margin NaN%
  • Dividend Payout NaN%
  • Current Ratio
  • Debt/EBITDA

Score F de Piotroski

7/9

Santé financière solide

score
criteria

Qualité des bénéfices

1.34

Qualité élevée : bénéfices soutenus par la trésorerie

Dilution du capital

-19.7%

Rachat d'actions. Favorable aux actionnaires

Gouvernance

Équipe dirigeante

NomTitreÂge
Mr. Robert C. HolmesChairman, President & CEO60
Mr. John Matthew ScurlockMD & CFO43
Mr. John W. CummingsMD & COO64
Ms. Anna M. Alvarado-Pearce J.D.MD, Chief Legal Officer & Corporate Secretary45
Mr. David W. OmanMD & Chief Risk Officer57
Ellen E. DetrichController & Chief Accounting Officer-
Mr. Daniel S. HovermanEVP and Head of Corporate & Investment Banking49
Mr. Mo JamousMD and Chief Digital & Information Officer-
Ms. Jocelyn KukulkaHead of Investor Relations and Corporate Development-
Mr. Jeff HoodMD & Chief Human Resources Officer-

Risque d'audit

4

Risque du conseil

4

Risque de rémunération

4

Risque droits des actionnaires

1

Partie 2 · Le prix et le moment d'entrer

Cette partie ne dit pas si l'entreprise vaut la peine : elle aide à choisir quand l'acheter, une fois que les fondamentaux vous ont convaincu. À l'intérieur : analyse technique, potentiel, baisses historiques, exposition gamma.

Latest News

Recent headlines for TCBI, sourced from Markets Gazette.

  • 3/2/2026POSITIVE
    Texas 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.

  • 2/24/2026POSITIVE
    Texas 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.

via Markets Gazette