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Texas Capital Bancshares, Inc. (TCBI)

POSITIVE
Financial ServicesBanks - RegionalUnited States

基本面

81

价格

$98.13

市值

$4.26B

第一部分 · 这家公司值多少

概览

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.

No editorial profile for this company yet

Direct competitors

Who this company fights with for the same customers

No editorial profile for this company yet

No competitor list for this company yet.

资产负债表与流动性

营收

$1.33B

最近12个月(截至2026/6/30)

净利润

$365M

最近12个月(截至2026/6/30)

自由现金流

$348M

股东权益合计

$3.63B

负债合计

$27.91B

流动比率

-

利息覆盖率

0.45

债务/EBITDA

-

每股收益

营收与净利润

自由现金流

收入构成

历史财务表

利润率变化

债务变化

增长一览表

增长 — 营业收入

公允价值估算

Bank合理估值

公允价值

$96.57

当前价格

$98.13

安全边际

-1.6%

公允价值区间

$62.77 - $130.37

估算方法

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
分析师共识:买入 (9B / 8H / 2S)
最近财报超预期:-3.67%

估值指标

市盈率(P/E)

12.76

ROE

9.1%

市净率(P/B)

1.17

P/FCF

9.03

毛利率

-

ROIC

-

盈利能力雷达图

Value Creation (Economic Moat)

ROIC

-

WACC

8.7%

ROIC − WACC

-

基本面分析标准

通过(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

未通过(5)

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

不可用(5)

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

Piotroski F-评分

7/9

财务状况强健

score
criteria

盈利质量

1.34

高质量:盈利有现金流支撑

股权稀释

-19.7%

正在回购股份,对股东友好

公司治理

管理团队

姓名职位年龄
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-

审计风险

4

董事会风险

4

薪酬风险

4

股东权利风险

1

第二部分 · 价格与买入时机

这一部分不判断公司是否值得拥有:它帮助你在基本面说服你之后,选择何时买入。包含:技术分析、潜力、历史回撤、Gamma 敞口。

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