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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. In the quarter to June 2026, revenue grew 4.34%, EPS grew 16.4%, free cash flow grew 62.7% and total debt fell 19.2%, each against the same quarter a year earlier. Insiders bought in the last twelve months.

91.15 0.45 +0.50%
Market cap
$3.9B
P/E
11.7×
Fwd P/E
13.4×
Dividend yield
0.44%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 4.39
Total sells 10.57
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — 3 5 3 — — 1 — — — —
Sell — — — — — — — 2 1 — — —
Insider Ownership 2.70%

Capital & Financial Ratios $m

Market Cap 3,940.00
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 11.72
Fwd P/E 13.40
P/S ratio 1.95
P/B ratio 1.19
Past 5Y EPS Growth 43.39% (at or above 15%: strong)
This Y EPS Growth 8.47%
Next Y EPS Growth 11.58%
Next Y revenue growth (32.86%) (below 0%: weak)
Next 5Y EPS Growth 10.49%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 25.62%
10-year low 10-year high
P/S against its own 10 years 26.24%
10-year low 10-year high
P/B against its own 10 years 51.53%
10-year low 10-year high

Dividends

Payout Ratio 0.05
Annual Dividend Rate 0.40
Annual Dividend Yield 0.44%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.62
0.20
0.20
2025 Powerpack
2024 Powerpack
2023 Powerpack
2022 Powerpack
2021 Powerpack
2020 Powerpack
2019 Powerpack
2017 Powerpack
2016 0.41
0.41
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 3,243 3,189 2,103 3,701
Receivables — — — —
Inventory — — — —
Other — — — —
24,179 26,249 26,732 29,258
2023 2024 2025 Q'26
Payables 22,372 25,239 26,449 28,911
ST’ Debt — — — —
Other — — — —
23,905 26,147 26,785 29,281

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%

Revenue $m

Mar Jun Sep Dec Year
’26 488 515 — — —
’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 — — —
’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 — — —
’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.

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
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

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 29.78 69.65 47.86 50.10 19.10 54.27 48.79 42.79 54.68 59.37

Analyst estimates 2026–2028

Powerpack
High 81.25 95.20 103.05 66.61 60.44 93.26 71.60 69.27 91.80 98.07
People
People Employees 1,442 1,564 1,641 1,738 1,619 1,751 2,198 1,987 1,818 1,785
Revenue/emp, $m 0.53 0.61 0.76 0.84 0.77 0.58 0.68 0.90 0.97 1.12
Income, $m
Income, $m Revenue 764 954 1,242 1,457 1,242 1,015 1,494 1,791 1,761 1,999
Gross margin, % 91.68 87.63 79.93 73.54 84.86 89.38 82.03 60.04 52.96 62.82
EBT 241 326 373 396 92 338 432 247 107 433
EBT margin, % 31.56 34.16 30.06 27.20 7.40 33.31 28.90 13.77 6.08 21.65
Net income 155 197 293 312 66 254 332 189 78 330
Depreciation 22 28 32 37 75 93 45 40 54 52
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
Earnings 3.14 3.78 5.83 6.23 1.12 4.65 6.25 3.58 1.29 6.86
Cash flow (15.71) 2.67 (13.61) (4.78) 52.35 13.00 2.93 7.78 10.31 7.89
Capex (0.05) (0.25) (0.15) (0.33) (0.06) 2.21 (0.22) (0.34) (1.39) (0.28)
Free cash flow (15.75) 2.42 (13.76) (5.11) 52.29 15.20 2.71 7.44 8.92 7.62
Book value 43.46 44.42 50.07 55.71 56.93 63.46 60.55 66.57 72.34 79.56
Shares, m 46 50 50 50 50 51 50 48 47 46
Valuation, ×
Valuation, × P/E 25.18 24.26 8.76 9.13 53.60 13.01 9.39 17.93 61.09 13.18
P/S 4.74 4.72 2.05 1.96 2.42 3.00 2.00 1.72 2.07 2.07
P/B 1.95 2.19 1.09 1.08 1.10 1.05 1.08 1.06 1.19 1.24
EV/Sales 4.16 5.02 3.03 0.84 (2.26) (3.91) (0.73) 0.39 0.63 1.33
EV/FCF (4.36) 39.95 (5.48) (4.77) (1.07) (6.08) (4.34) 1.46 2.09 5.72
Cash, $m
Cash, $m Operating cash flow (726) 132 (680) (240) 2,640 657 148 374 480 360
Capex (2) (12) (8) (17) (3) 112 (11) (16) (65) (13)
Free cash flow (728) 120 (687) (257) 2,637 769 137 357 415 348
Balance, $m
Balance, $m Working capital 4,473 5,427 6,785 5,561 3,262 790 720 274 102 (54)
Total debt 2,394 3,195 4,295 2,796 3,396 929 931 859 660 621
Net debt (445) 289 1,215 (1,630) (5,810) (7,018) (4,081) (2,384) (2,528) (1,482)
Shareholders’ equity 2,010 2,203 2,500 2,801 2,871 3,210 3,055 3,199 3,368 3,631
Returns, %
Returns, % ROA 0.72 0.80 1.06 0.99 0.16 0.65 1.00 0.61 0.20 1.01
ROIC 9.63 8.17 6.28 21.22 0.00 0.00 0.00 18.90 7.97 12.59
ROE 8.72 9.58 12.88 12.09 2.10 8.35 11.13 6.08 2.02 9.78
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
IBOC International Bancshares Corporation $4.2B 10.1× 11.2× +0.96% (above 0%: growing) −4.35% (below 0%: shrinking) −3.33% (below 0%: shrinking) 81.33% 0.00% Compare
FBP First BanCorp. $4.2B 11.4× 10.8× +4.63% (above 0%: growing) +26.00% (above 0%: growing) −5.21% (below 0%: shrinking) 81.89% 0.00% Compare
UCB United Community Banks, Inc. $4.1B 11.1× 11.3× +0.18% (above 0%: growing) +50.79% (above 0%: growing) +43.32% (above 0%: growing) 72.97% 0.00% Compare
BMA Macro Bank Inc. $4.1B 14.0× 15.4× +4.42% (above 0%: growing) +17.44% (above 0%: growing) +198.80% (above 0%: growing) 77.07% 0.00% Compare
CATY Cathay General Bancorp $4.0B 11.6× 10.6× +3.12% (above 0%: growing) +24.32% (above 0%: growing) +272.48% (above 0%: growing) 63.72% 0.00% Compare
TCBI Texas Capital Bancshares, Inc. $3.9B 11.7× 13.4× +4.34% (above 0%: growing) +16.35% (above 0%: growing) +62.74% (above 0%: growing) 65.14% 0.00%
WSFS WSFS Financial Corporation $3.9B 12.8× 11.6× +1.64% (above 0%: growing) +28.35% (above 0%: growing) −141.58% (below 0%: shrinking) 81.45% 0.00% Compare
CVBF CVB Financial Corporation $3.8B 15.1× 14.9× +37.86% (above 0%: growing) −19.44% (below 0%: shrinking) +641.25% (above 0%: growing) 81.88% 0.00% Compare
INDB Independent Bank Corp. $3.7B 14.4× 10.9× +31.36% (above 0%: growing) +41.67% (above 0%: growing) −34.59% (below 0%: shrinking) 76.37% 0.00% Compare
Median of peers $4.1B 12.2× 11.3× +3.77% +25.16% +20.00% 79.20% 0.00%

All 323 Banks Regional stocks →

Texas Capital Bancshares, Inc. (TCBI) key facts

  • Strength: Texas Capital Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $2.0 billion, up 13.5% from fiscal 2024.
  • Texas Capital Bancshares, Inc. (TCBI) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, TCBI traded at $91.15, a market capitalization of $3.9 billion.
  • Texas Capital Bancshares, Inc. pays an annual dividend of $0.40 per share, a yield of 0.44%, with a payout ratio of 5.20%.
  • Return on equity was 9.78% and debt-to-equity 0.14.
  • Its Piotroski F-score is 8 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Texas Capital Bancshares, Inc. (TCBI) Latest News

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stockrow.com/TCBI · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com