Texas Capital Bancshares, Inc.

Valuation Analysis

About the Company

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, commercia

Texas Capital Bancshares, Inc. Stock at a Glance

Texas Capital Bancshares, Inc. (TCBI) is currently trading at $101.51 with a market capitalization of $4.4B. The trailing P/E ratio stands at 13.66x, with a forward P/E of 12.15x. The 52-week range spans from $73.61 to $108.92; the current price is 6.8% below the yearly high. Year-over-year revenue growth stands at +16.9%. The net profit margin stands at 28.67%.

💰 Dividend

Texas Capital Bancshares, Inc. pays an annual dividend of $0.80 per share, representing a yield of 0.79%.

📊 Analyst Rating

13 analysts rate Texas Capital Bancshares, Inc. (TCBI) on consensus: None. The average price target is $107.69, implying +6.09% from the current price. Analyst price targets range from $96.00 to $116.00.

Texas Capital Bancshares, Inc.: The Investment Case in Detail

Texas Capital Bancshares, Inc. (TCBI) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Revenue is growing at a healthy 16.9% pace year-over-year, suggesting the business model continues to find new customers and pricing power. Earnings growth of 69.6% is outpacing revenue, a sign of operational leverage — fixed costs are being absorbed across a larger base. Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

The Bear Case

Short interest sits at 10.26% of float — a meaningful contingent of professionals is positioned for the share to fall, which deserves attention even if their thesis may turn out to be wrong.

Valuation in Context

The PEG ratio at 1.47 sits in the reasonable zone — the price tag is roughly aligned with the company's growth profile, neither punishing nor euphoric.

What to Watch Next

• The forward P/E of 12.15x is meaningfully below the trailing 13.66x — analysts expect earnings to step up; the next earnings release is the test.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to relatively defensive market behavior, elevated short interest (10.26%).

Trading Data

💵 Dividend Info

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