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Texas Capital Bancshares, Inc. TCBI

Financial — Banks Regional
Insider Buys (last 12m)
Insider Buys alert about insiders buying in the last 12 month

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Insider Decisions

Total buys
4.80
Total sells
10.57
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy 2 — — 3 5 3 — — 1 — — —
Sell — — — — — — — — 2 1 — —
Insider Ownership
2.70%

Capital & Financial Ratios

Market Cap
4,100.00
Revenue
2,036.97
Net Income
364.61
Free Cash Flow
471.85
Net Debt
(3,199.95)
Current Ratio
1.00
Debt/Equity
0.14
P/E ratio
12.14
P/S ratio
2.02
P/B ratio
1.23
Past 5Y EPS Growth
(26.54%)
This Y EPS Growth
8.32%
Next Y EPS Growth
12.54%
Next 5Y EPS Growth
11.32%
in millions of $

Dividends

Payout Ratio
0.00
Annual Dividend Rate
—
Annual Dividend Yield
—
total individual payouts
2028 ‡‡‡
2027 ‡‡‡‡‡
2026 0.62
—
—
2025 ‡‡‡
2024 ‡‡‡
2023 ‡‡‡
2022 ‡‡‡
2021 ‡‡‡
2020 ‡‡‡
2019 ‡‡‡
2017 ‡‡‡
2016 0.41
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 3,242.85 3,188.81 2,103.04 3,700.81
Receivables — — — —
Inventory — — — —
Other — — — —
24,179.21 26,248.83 26,731.60 29,257.97
2023 2024 2025 Q'26
Payables 22,371.84 25,238.60 26,448.77 28,911.39
ST’ Debt — — — —
Other — — — —
23,905.07 26,147.28 26,785.48 29,280.68
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 488.36 515.05 — —
—
’25 471.73 493.64 529.20 504.36
1,998.93
’24 458.70 472.49 337.76 491.65
1,760.60
’23 422.57 447.93 472.64 448.21
1,791.34
’22 228.81 268.59 347.40 648.96
1,493.77
’21 267.50 254.59 241.37 251.35
1,014.82
’20 317.79 322.50 304.08 298.03
1,242.39
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 87.53 103.49 — —
—
’25 0.37 63.00 166.30 130.49
360.15
’24 95.82 33.27 332.77 18.23
480.09
’23 18.20 72.46 95.41 187.67
373.74
’22 72.92 73.61 67.56 (66.13)
147.97
’21 198.43 240.21 107.67 111.00
657.32
’20 1,785.74 467.02 (82.93) 470.04
2,639.87
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 86.17 93.50 — —
—
’25 (2.05) 57.45 161.35 130.84
347.59
’24 75.78 11.07 317.58 10.82
415.25
’23 16.84 68.94 87.64 183.94
357.36
’22 70.21 67.12 66.31 (66.94)
136.70
’21 197.51 348.27 106.85 116.46
769.08
’20 1,784.74 465.68 (83.29) 469.95
2,637.07
in millions of $

EPS

Mar Jun Sep Dec Year
’26 1.56 1.83 — —
—
’25 0.92 1.58 2.18 2.12
6.79
’24 0.46 0.80 (1.41) 1.43
1.28
’23 0.70 1.33 1.18 0.33
3.54
’22 0.69 0.59 0.74 4.23
6.18
’21 1.33 1.31 0.76 1.19
4.60
’20 (0.38) (0.73) 1.08 1.14
1.12

Target Price Range

High
‡‡‡‡‡
‡‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

2.6
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 48.79 42.79 54.68 59.37 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 71.60 69.27 91.80 98.07 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,198 1,987 1,818 1,785 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.68 0.90 0.97 1.12 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,493.77 1,791.34 1,760.60 1,998.93 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 82.03% 60.04% 52.96% 62.82% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 431.76 246.60 107.06 432.71 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 28.90% 13.77% 6.08% 21.65% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 332.48 189.14 77.51 330.24 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 45.28 40.47 54.23 52.17 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 29.60 37.28 37.81 43.80 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 6.25 3.58 1.29 6.86 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.93 7.78 10.31 7.89 — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.22) (0.34) (1.39) (0.28) ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.71 7.44 8.92 7.62 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 60.55 66.57 72.34 79.56 — — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 50.46 48.06 46.56 45.64 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9.39 17.93 61.09 13.18 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.00 1.72 2.07 2.07 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.08 1.06 1.19 1.24 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.08 1.17 1.43 2.03 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.45 4.42 4.73 8.74 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 147.97 373.74 480.09 360.15 ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (11.27) (16.38) (64.84) (12.57) — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 136.70 357.36 415.25 347.59 — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 719.63 274.14 101.55 (53.88) — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,142.44 859.15 660.35 620.58 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (2,869.82) (2,383.70) (2,528.46) (1,482.47) — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3,055.35 3,199.14 3,367.94 3,631.38 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.00% 0.61% 0.20% 1.01% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ 145.44% 18.90% 7.97% 12.59% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 11.13% 6.08% 2.02% 9.78% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Texas Capital Bancshares (TCBI), a Texas-focused commercial bank, has shown remarkable resilience amid a decade of revenue surges, COVID-era provisioning shocks, and recent interest rate pressures. Revenue grew 134% from 2016 to 2023, driven by organic loan expansion in energy and real estate, with efficiency metrics like revenue per employee more than doubling. However, 2024 saw a 2% revenue dip and margin compression to 52.96%, mirroring sector headwinds, while analysts forecast a sharp 23% revenue drop in 2025 before an 8% rebound in 2026-2027.

Profitability has swung wildly—from a 2019 peak of $312 million net income (ROE 12.1%) to pandemic lows and further 2023-2024 plunges (ROE 2%)—yet book value per share rose 82% to $72.34, and a pristine balance sheet boasts an 88% debt reduction to cash-rich status. Cash flows normalized positively, funding buybacks, with forward projections exploding net income 326% to $330 million in 2025 (EPS $6.86, ROE ~10%), fueled by NIM stabilization and fee growth.

Aggressive insider buying by directors—over 85,000 shares worth $3 million in 2025-2026 at $72-83, with zero sells—signals deep conviction amid undervalued metrics (forward PE ~13x, PS ~2x) and Texas economic tailwinds. Despite risks from rate normalization and CRE exposure, TCBI’s fortress-like balance sheet and earnings inflection position it for a potential re-rating, making it a compelling watch for regional bank investors.

Read full commentary →

Texas Capital Bancshares, Inc. (TCBI) Latest News

News by impact score

Fine-tune

16 Sep

3 , 10:00 AM
Texas Capital Bancshares' TXS and OILT ETFs commence trading on the Texas Stock Exchange. New ETF trading expands product offerings with moderate potential to influence market visibility and performance.

14 Sep

3 , 7:30 AM
Texas Capital Bancshares plans to move its corporate listing to the Texas Stock Exchange. Listing relocation may boost regional visibility and investor access without altering core operations.

18 Aug

4 , 7:00 AM
Texas Capital Bancshares' TXS and OILT become first primary listings on the Texas Stock Exchange. First primary listings on Texas Stock Exchange mark major strategic positioning for Texas Capital growth.

3 , 9:49 AM
Texas Capital Bancshares ETFs secure the first primary listings on the Texas Stock Exchange. TCBI ETFs gain primary listing status on Texas Stock Exchange, potentially lifting visibility and trading volumes.

30 Jul

3 , 12:43 PM
TCBI stock declined after Q2 earnings missed estimates on higher costs, with 2026 guidance also lowered. Q2 earnings miss from rising costs plus reduced 2026 outlook directly weakens financial performance and investor expectations.

23 Jul

4 , 1:00 AM
Texas Capital Bancshares Inc (TCBI) reported strong revenue growth during its Q2 2026 earnings call. Strong revenue growth signals major positive financial momentum likely to boost investor sentiment and stock trajectory.

3 , 10:11 AM
TCBI reported Q2 earnings beat driven by NII and fee income growth, though expenses rose year over year. Quarterly earnings beat with revenue growth offers moderate positive signal for near-term performance but rising costs cap broader impact.

3 www.dallasnews.com, 7:06 AM
Texas Capital Bancshares met earnings targets and initiated another dividend. On-target earnings combined with a fresh dividend signal steady results and added shareholder appeal without shifting core trajectory.

22 Jul

3 www.marketbeat.com, 7:05 PM
Texas Capital Bancshares Q2 earnings call covered financial performance, key metrics, and strategic updates. Quarterly earnings details affect near-term financial views and investor sentiment.

3 , 6:30 PM
Texas Capital Bancshares reported Q2 earnings, detailing key financial metrics including revenue, deposits, loans and profitability measures. Q2 earnings metrics directly affect near-term stock valuation and investor outlook.

3 , 4:37 PM
Texas Capital Bank reported sales exceeding analyst expectations for Q2 CY2026. A quarterly sales beat can lift near-term investor sentiment and share price but does not alter long-term strategy or competitive position.

3 , 4:05 PM
Texas Capital Bancshares reported second quarter 2026 financial results. Quarterly results update financial performance and can shift near-term investor views.

20 Jul

3 , 11:02 PM
Texas Capital Bancshares (TCBI) is scheduled to report earnings tomorrow, with market expectations focused on quarterly financial results and performance metrics. Upcoming routine earnings release may drive short-term stock movement but does not signal major strategic or competitive shifts.

13 Jul

3 , 8:30 AM
Texas Capital Bancshares appoints Mo Jamous as Chief Digital and Information Officer. Executive appointment in digital role supports technology focus but amounts to standard leadership change.

30 Jun

3 , 7:30 AM
Phoenix Merchant Partners and Texas Capital Alternative Asset Management announce a strategic relationship to serve the core middle market. Partnership targets middle-market expansion and may moderately strengthen Texas Capital's asset management positioning.

19 Jun

3 , 8:36 AM
Texas Capital Bancshares reported Q1 earnings results positioned against other regional bank stocks on NASDAQ:TCBI. Q1 earnings comparison to peers can moderately shift near-term investor sentiment on TCBI.

15 Jun

4 , 12:14 PM
Texas Capital Bancshares, Inc. (TCBI) serves as a financial bellwether bankrolling a breakout with implications for its market positioning. TCBI positioned as bellwether funding breakout signals major strategic moves likely to alter trajectory and investor sentiment.

25 Apr

4 Simply Wall St., 8:19 AM
Texas Capital Bancshares, Inc. (TCBI) reported a 12% earnings per share (EPS) beat. Analysts now forecast continued positive momentum in future quarters. A 12% EPS beat directly boosts investor sentiment and signals strong financial performance likely to impact TCBI's stock trajectory.

24 Apr

4 Zacks, 12:11 PM
Texas Capital Bancshares Q1 earnings beat expectations due to strong net interest income and fee income, though costs increased year-over-year. Q1 earnings beat on robust NII and fees likely boosts investor sentiment and stock performance despite higher costs.

4 GuruFocus.com, 3:09 AM
Texas Capital Bancshares Inc (TCBI) Q1 2026 earnings call highlights record growth in earnings, driven by strong performance across key metrics. Record earnings growth indicates significant positive momentum in financial performance, likely boosting investor sentiment and stock trajectory.

3 StockStory, 9:17 PM
Texas Capital Bancshares (TCBI) delivered stable Q1 growth fueled by diversified revenue streams and strategic initiatives. Diversified revenue and strategic initiatives drive stable Q1 growth, moderately influencing financial performance and market sentiment.

23 Apr

4 www.americanbanker.com, 5:18 PM
Texas Capital Bancshares, Inc. (TCBI), strengthened by a successful turnaround, will pay its first-ever dividend. First-ever dividend after turnaround signals financial strength and maturity, likely boosting stock price and investor sentiment.

4 app.moby.co, 12:50 PM
Texas Capital Bancshares, Inc. (TCBI) Q1 2026 earnings call summary details quarterly financial performance, strategic updates, and forward guidance. Q1 2026 earnings call summary reveals financial results and outlook that significantly influence TCBI's stock performance and investor sentiment.

4 transcript www.fool.com, 11:51 AM
Texas Capital Bancshares (TCBI) Q1 2026 earnings call transcript released, covering quarterly financial results, management discussion, and forward guidance. Quarterly earnings transcripts deliver detailed financial metrics, strategic insights, and guidance that significantly shape investor expectations and stock trajectory.

4 Zacks, 9:30 AM
Texas Capital Bancshares (TCBI) Q1 earnings compared to analyst estimates, analyzing key metrics including revenue, EPS, net interest income, and deposit growth. Q1 earnings metrics versus estimates directly drive stock volatility, investor sentiment, and revisions to future performance forecasts.

4 GlobeNewswire, 6:30 AM
Texas Capital Bancshares, Inc. (TCBI) announces strategic leadership appointments to support its next phase of growth. Strategic leadership appointments represent a major move to drive TCBI's growth and enhance competitive positioning.

4 StockStory, 6:19 AM
Texas Capital Bank (NASDAQ:TCBI) surprised markets with its Q1 CY2026 sales results. Q1 CY2026 sales surprise represents a significant earnings event likely to alter TCBI's short-term trajectory and investor sentiment.

4 GlobeNewswire, 6:00 AM
Texas Capital Bancshares, Inc. announced first quarter 2026 results, reporting key financial metrics including net income, revenue, loan growth, deposit changes, and efficiency ratio improvements. Quarterly earnings releases provide critical financial data that can significantly sway stock price, investor confidence, and strategic outlook.

3 www.marketbeat.com, 5:46 PM
Texas Capital Bancshares Q1 earnings call highlights financial results, including revenue growth, deposit increases, loan portfolio updates, expense management, and forward guidance amid economic conditions. Q1 earnings highlights detail financial performance and outlook, moderately influencing investor sentiment and stock trajectory.

3 Zacks, 7:20 AM
Texas Capital (TCBI) Q1 earnings and revenues beat estimates. Q1 earnings and revenue beats positively affect financial performance and investor sentiment but remain limited to one quarter.
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