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Texas Capital Bancshares, Inc.

TCBI Financial Banks Regional

Texas Capital Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $2.0 billion, up 13.5% from fiscal 2024.

Revenue
+1.82%
EPS
+4.07%
Free cash flow
+29.0%
Total debt
−21.5%

Quarter to September 2026, against a year earlier

103.09 2.94 −2.77%
Market cap
$4.5B
P/E
13.1×
Fwd P/E
13.3×
Dividend yield
0.39%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 4.39
Sold, $m 10.57
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — 3 5 3 — — 1 — — — — —
Sell — — — — — — 2 1 — — — —
Insider Ownership 1.63%

Capital & Financial Ratios $m

Size
Market Cap 4,480.00
Revenue ttm 2,046.57
Net income ttm 363.10
Free cash flow ttm 518.63
Net debt Q (2,186.89)
Valuation
P/E 13.10
Forward P/E 13.30
Price / sales 2.17
Forward P/S Powerpack
Price / FCF 7.01
Price / book 1.39
Financial health
Current ratio Q 0.99
Debt / equity Q 0.14
Interest coverage Q —
Growth
Revenue growth Q +1.82% (above 0%: growing)
Operating income growth Q −1.51% (below 0%: shrinking)
EPS, this year +12.81%
EPS, next year A +9.42%
Revenue, next year A −31.71% (below 0%: weak)
EPS, past 5 yrs +43.39% (at or above 15%: strong)
EPS, next 5 yrs A +11.12%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 32.93%
10-year low 10-year high
P/S against its own 10 years 40.89%
10-year low 10-year high
P/B against its own 10 years 75.43%
10-year low 10-year high

Dividends

Yield
0.39%
Annual rate
0.40
Payout ratio
5.13%
Growth, 2016–25
−100.0%/yr
  1. 0.41 ’16
  2. 0.00 ’17 −100
  3. 0.00 ’19
  4. 0.00 ’20
  5. 0.00 ’21
  6. 0.00 ’22
  7. 0.00 ’23
  8. 0.00 ’24
  9. 0.00 ’25
  10. 0.64 ’26e
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 3,243 3,189 2,103 2,674
Receivables — — — —
Inventory — — — —
Other — — — —
24,179 26,249 26,732 27,444
2023 2024 2025 Q'26
Payables 22,372 25,239 26,449 27,716
ST’ Debt — — — —
Other — — — —
23,905 26,147 26,785 27,724

Compound Annual Growth %

10y 5y 3y
Sales 11.88% 9.98% 10.20%
Cash Flow 17.98% (32.86%) 34.52%
Earnings 8.76% 40.81% (0.24%)
Book Value 8.38% 4.81% 5.93%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.94 Actual 2.35

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.78 2.08 Beat by 0.30
Q1 FY26 1.42 1.58 Beat by 0.16
Q2 FY26 1.85 1.88 Beat by 0.03
Q3 FY26 1.94 2.35 Beat by 0.41
Q4 FY26 2.01 — Reports 28 January 2027

EPS $

Mar Jun Sep Dec Year
’26 1.56 1.83 2.28 — —
’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
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 488 515 539 — —
’25 472 494 529 504 1,999
’24 459 472 338 492 1,761
’23 423 448 473 448 1,791
’22 229 269 347 649 1,494
’21 268 255 241 251 1,015
’20 318 322 304 298 1,242
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 88 103 207 — —
’25 0 63 166 130 360
’24 96 33 333 18 480
’23 18 72 95 188 374
’22 73 74 68 (66) 148
’21 198 240 108 111 657
’20 1,786 467 (83) 470 2,640
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 86 93 208 — —
’25 (2) 57 161 131 348
’24 76 11 318 11 415
’23 17 69 88 184 357
’22 70 67 66 (67) 137
’21 198 348 107 116 769
’20 1,785 466 (83) 470 2,637
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.6
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 764 954 1,242 1,457 1,242 1,015 1,494 1,791 1,761 1,999 2,047 +11.3% 1,365 1,444 1,529 (8.5%)
Gross margin, % 91.68 87.63 79.93 73.54 84.86 89.38 82.03 60.04 52.96 62.82 65.65 (28.9) pt
EBT 241 326 373 396 92 338 432 247 107 433 474 +6.7%
EBT margin, % 31.56 34.16 30.06 27.20 7.40 33.31 28.90 13.77 6.08 21.65 23.18 (9.9) pt
Net income 155 197 293 312 66 254 332 189 78 330 363 +8.8%
Per share, $
Per share, $ Revenue 16.53 19.23 24.88 28.98 24.64 20.06 29.60 37.28 37.81 43.80 47.46 +11.4%
Earnings 3.14 3.78 5.83 6.23 1.12 4.65 6.25 3.58 1.29 6.86 7.87 +9.1%
Cash flow (15.71) 2.67 (13.61) (4.78) 52.35 13.00 2.93 7.78 10.31 7.89 12.26 n/m
Capex (0.05) (0.25) (0.15) (0.33) (0.06) 2.21 (0.22) (0.34) (1.39) (0.28) (0.24) +21.7%
Free cash flow (15.75) 2.42 (13.76) (5.11) 52.29 15.20 2.71 7.44 8.92 7.62 12.03 n/m
Book value 43.46 44.42 50.07 55.71 56.93 63.46 60.55 66.57 72.34 79.56 80.87 +6.9%
Shares, m 46 50 50 50 50 51 50 48 47 46 44 (0.1%)
Valuation, ×
Valuation, × P/E 25.18 24.26 8.76 9.13 53.60 13.01 9.39 17.93 61.09 13.18 13.10 23.6
P/S 4.74 4.72 2.05 1.96 2.42 3.00 2.00 1.72 2.07 2.07 2.17 2.7
P/B 1.95 2.19 1.09 1.08 1.10 1.05 1.08 1.06 1.19 1.24 1.39 1.3
EV/Sales 4.16 5.02 3.03 0.84 (2.26) (3.91) (0.73) 0.39 0.63 1.33 — 0.8
EV/FCF (4.36) 39.95 (5.48) (4.77) (1.07) (6.08) (4.34) 1.46 2.09 5.72 — 2.3
Cash, $m
Cash, $m Operating cash flow (726) 132 (680) (240) 2,640 657 148 374 480 360 529 n/m
Capex (2) (12) (8) (17) (3) 112 (11) (16) (65) (13) (10) +21.5%
Free cash flow (728) 120 (687) (257) 2,637 769 137 357 415 348 519 n/m
Balance, $m
Balance, $m Working capital 4,473 5,427 6,785 5,561 3,262 790 720 274 102 (54) (280) n/m
Net debt (445) 289 1,215 (1,630) (5,810) (7,018) (4,081) (2,384) (2,528) (1,482) (2,187) +14.3%
Shareholders’ equity 2,010 2,203 2,500 2,801 2,871 3,210 3,055 3,199 3,368 3,631 3,488 +6.8%
Returns, %
Returns, % ROA 0.72 0.80 1.06 0.99 0.16 0.65 1.00 0.61 0.20 1.01 1.07 +0.3 pt
ROIC 9.63 8.17 6.28 21.22 0.00 0.00 0.00 18.90 7.97 12.59 22.80 +3.0 pt
ROE 8.72 9.58 12.88 12.09 2.10 8.35 11.13 6.08 2.02 9.78 10.60 +1.1 pt
People
People Employees 1,442 1,564 1,641 1,738 1,619 1,751 2,198 1,987 1,818 1,785 — +2.4%
Revenue/emp, $m 0.53 0.61 0.76 0.84 0.77 0.58 0.68 0.90 0.97 1.12 — +8.7%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Texas Capital Bancshares, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
TFSL TFS Financial Corporation $4.6B 45.8× 46.1× +5.82% (above 0%: growing) +37.50% (above 0%: growing) +16.04% (above 0%: growing) 42.51% 0.00% Compare
FULT Fulton Financial Corporation $4.5B 11.0× 10.7× +7.63% (above 0%: growing) +11.11% (above 0%: growing) +6.85% (above 0%: growing) 70.88% 0.00% Compare
SFBS ServisFirst Bancshares, Inc. $4.5B 13.2× 12.7× +6.42% (above 0%: growing) +33.33% (above 0%: growing) +141.10% (above 0%: growing) 63.94% 0.00% Compare
TCBI Texas Capital Bancshares, Inc. $4.5B 13.1× 13.3× +1.82% (above 0%: growing) +4.07% (above 0%: growing) +28.99% (above 0%: growing) 66.19% 0.00%
UCB United Community Banks, Inc. $4.4B 31.1× 28.2× −74.97% (below 0%: shrinking) n/m +43.32% (above 0%: growing) (12.04%) 0.00% Compare
FFIN First Financial Bankshares, Inc. $4.4B 15.1× 15.0× +5.01% (above 0%: growing) +40.54% (above 0%: growing) +10.90% (above 0%: growing) 77.51% 0.00% Compare
FLG Flagstar Bank, National Association $4.3B 70.7× 91.9× −9.46% (below 0%: shrinking) n/m −42.53% (below 0%: shrinking) 48.98% 0.00% Compare
IBOC International Bancshares Corporation $4.3B 10.1× 10.5× +2.82% (above 0%: growing) +5.75% (above 0%: growing) +9.70% (above 0%: growing) 81.66% 0.00% Compare
CATY Cathay General Bancorp $4.2B 11.8× 11.5× +9.21% (above 0%: growing) +26.55% (above 0%: growing) +272.48% (above 0%: growing) 65.64% 0.00% Compare
Median of peers $4.4B 14.2× 13.9× +5.42% +29.94% +13.47% 64.79% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 12 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 7.92m 10.55m 152.17
2024 11.70m 16.37m 131.43
2023 6.65m 7.65m 108.62
2022 8.05m 7.89m 101.36

Ownership

Directors and executive officers, together 3.84%
BlackRock, Inc. and certain affiliates 13.60%
The Vanguard Group and certain affiliates 11.10%
T. Rowe Price Investment Management, Inc. 7.40%
Dimensional Fund Advisors LP and certain affiliates 7.40%
State Street Corporation and certain affiliates 6.40%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Texas Capital Bancshares, Inc. (TCBI) Latest News

29 Oct

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15 Jun

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25 Apr

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24 Apr

Impact 3 · · StockStory

TCBI metrics, ten years each

stockrow.com/TCBI · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com