Texas Capital Bancshares, Inc. (TCBI) vs WSFS Financial Corporation (WSFS)

Texas Capital Bancshares, Inc. and WSFS Financial Corporation are both Banks Regional companies. Texas Capital Bancshares, Inc. and WSFS Financial Corporation are of similar size ($4.1B and $4.0B). Texas Capital Bancshares, Inc. trades at the lower P/E: 12.3× against 13.0×. Texas Capital Bancshares, Inc. grew revenue faster over the last twelve months: 13.5% against −0.75%. WSFS Financial Corporation has the higher net margin (23.3% vs 17.1%) and the lower return on invested capital (59.6% vs 66.5%). Across the 19 metrics below, Texas Capital Bancshares, Inc. leads on 13 and WSFS Financial Corporation on 6.

Valuation

Metric TCBI WSFS Banks Regional median
P/E 12.32 13.04 12.15
P/S 2.05 2.94 2.37
P/B 1.25 1.49 1.21
Price to free cash flow 7.11 16.61 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.48 1.29 2.27
Earnings yield 8.12% 7.67% 8.11%
Free cash flow yield 14.07% 6.02% 8.98%

Profitability

Metric TCBI WSFS Banks Regional median
Gross margin 65.16% 80.14% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.05% 23.34% 18.66%
Free cash flow margin 23.16% 17.71% 21.18%
Return on equity 10.59% 11.90% 10.64%
Return on assets 1.05% 1.48% 1.13%
Return on invested capital 66.51% 59.61% 8.33%

Growth

Metric TCBI WSFS Banks Regional median
Revenue growth (TTM) 13.49% (0.75%) 6.61%
EPS growth (last fiscal year) 430.47% 15.42% —
Revenue growth, 5-year CAGR 9.98% 13.70% 12.30%
Net income growth, 5-year CAGR 40.81% 20.15% 9.71%

Health

Metric TCBI WSFS Banks Regional median
Debt to equity 0.14 0.11 0.22
Current ratio 1.00 0.84 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric TCBI WSFS Banks Regional median
Dividend yield — 1.48% 3.75%
Payout ratio 0.00 0.13 0.27

Size

Metric TCBI WSFS Banks Regional median
Market cap 4.11b 3.95b 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack