
Texas Capital Bancshares, Inc.
TCBINASDAQFinancial ServicesBanks - Regional
Latest quote
$98.35
+$0.26 · +0.27%
TCBI company overview
Regular session · ET · Market data may be delayed.
GoAI snapshot
AI-powered factor overview
GoAI score
Buy
Favorable setup — positive multi-factor alignment
Valuation
76
Undervalued
Momentum
50
Neutral
Sentiment
71
Bullish
Risk resilience
82
Low Risk
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Company profile
Company websiteTexas Capital Bancshares, Inc. serves as the holding company for Texas Capital Bank, operating as a comprehensive financial services firm that delivers tailored solutions to businesses, entrepreneurs, and individual clients. Its offerings encompass commercial banking, consumer banking, investment banking, and wealth management. The company provides businesses with various deposit accounts, such as commercial checking, lockbox, and cash concentration services, alongside digital banking tools for information access, wire transfers, ACH initiation, and account integration. For individual clients, it offers checking, savings, money market accounts, and certificates of deposit. Regarding lending, the firm extends a broad spectrum of options, including commercial loans to fund working capital, growth initiatives, acquisitions, and business insurance premiums, in addition to consumer loans. Specialized financing is available for exploration and production companies, mortgage finance, commercial real estate, and residential homebuilder projects. Furthermore, it offers first and second lien loans for purchasing or constructing 1-4 family residences, home equity revolving lines of credit, and loans for acquiring residential lots. SBA-backed real estate loans, equipment financing and leasing services, and letters of credit round out its lending portfolio. Beyond its core banking and lending activities, clients benefit from online and mobile banking platforms, debit and credit card services, escrow management, and comprehensive personal wealth and trust services. Depositors also have the opportunity to earn American Airlines AAdvantage miles. Its operations are focused within the Austin, Fort Worth, Dallas, Houston, and San Antonio metropolitan areas of Texas. Established in 1996, the firm maintains its headquarters in Dallas, Texas.
- Industry
- Banks - Regional
- Sector
- Financial Services
- Headquarters
- US
- CEO
- Robert C. Holmes
- Listed since
- Aug 13, 2003
- Employees
- 1,785
Market position
- Volume
- 667.55K
- 1.36× average
- Average volume
- 489.85K
- Average daily volume
- Market cap
- 4.27B USD
- Beta
- 0.67
- Market reference 1
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 2.93B USD
- P/E (TTM)
- 12.73×
- P/B (TTM)
- 1.21×
- P/S (TTM)
- 2.18×
- EV / EBITDA
- 6.1×
- Earnings yield
- 8.10%
- Free cash flow yield
- 8.53%
- Dividend yield
- 0.20%
Profitability & efficiency
- Gross margin
- 62.40%
- Operating margin
- 24.85%
- Net margin
- 18.58%
- Return on equity
- 9.09%
- Return on assets
- 1.05%
- Return on invested capital
- 6.66%
Financial health
- Debt / equity
- 0.23×
- Current ratio
- 0.08×
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 2B USD | 1.76B USD | 1.79B USD | 1.25B USD | 987.05M USD |
| Cost of goods sold | 787.15M USD | 895.25M USD | 787.8M USD | 334.48M USD | 77.75M USD |
| Gross profit | 1.21B USD | 865.35M USD | 1B USD | 910.76M USD | 909.3M USD |
| Selling, general, and administrative | 513.27M USD | 512.28M USD | 522.33M USD | 483.54M USD | 381.23M USD |
| Operating expenses | 768.07M USD | 758.29M USD | 756.95M USD | 479.01M USD | 571.25M USD |
| Interest income | 1.77B USD | 1.73B USD | 1.63B USD | 1.14B USD | 876.59M USD |
| Interest expense | 743.15M USD | 828.25M USD | 715.8M USD | 268.48M USD | 107.75M USD |
| Depreciation and amortization | 36.29M USD | 54.23M USD | 40.47M USD | 45.28M USD | 93.41M USD |
| Operating income | 443.71M USD | 107.06M USD | 246.6M USD | 431.76M USD | 338.06M USD |
| Net income | 330.24M USD | 77.51M USD | 189.14M USD | 332.48M USD | 253.94M USD |
Company facts updated Aug 24, 2026.
Earnings
- EPS beat rate
- 55%
- 6 beats, 5 misses, 0 met estimates
- Average EPS surprise
- +18.47%
- 11 comparable reports
- Latest EPS result
- 1.83
- Estimate 1.87 · Miss by 2.14%
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Analyst price target
Average target
$109
10.89% upsideRating distribution
39 ratingsRecent analyst actions
TCBI news
Corporate actions
Corporate action history
| Action | Ex-dividend date | Details | Record date | Payment date |
|---|---|---|---|---|
DividendUpcoming | Sep 1, 2026 | $0.20Quarterly | Sep 1, 2026 | Sep 15, 2026 |
Dividend | Jun 1, 2026 | $0.20Irregular | Jun 1, 2026 | Jun 15, 2026 |
Ex-dividend Sep 1, 2026
$0.20
Quarterly
Record Sep 1, 2026 · Payment Sep 15, 2026
Ex-dividend Jun 1, 2026
$0.20
Irregular
Record Jun 1, 2026 · Payment Jun 15, 2026
TCBI peers
ETFs holding TCBI
Funds reporting this stock among their holdings, ordered by reported position size.
iShares Core S&P Mid-Cap ETFIJH152.61M0.12%125.92B USD0.05%$76.77+0.52%
Vanguard Morningstar Total Stock Market ETFVTI137.27M0.01%2.3T USD0.03%$378.24+0.44%
Avantis U.S. Small Cap Value ETFAVUV111.85M0.36%31.27B USD0.25%$126.45+0.66%
iShares Russell 2000 ETFIWM111.18M0.14%81.62B USD0.19%$299.96+0.77%
Vanguard Morningstar Small-Cap ETFVB99.25M0.05%183.4B USD0.03%$304.76+0.64%
Vanguard Morningstar Small-Cap Value ETFVBR63.03M0.09%68.3B USD0.05%$249.18+0.68%
State Street SPDR S&P Regional Banking ETFKRE51.43M1.27%4.06B USD0.35%$74.86+0.20%
Vanguard Extended Market ETFVXF49.66M0.05%93.7B USD0.05%$245.53+0.82%
iShares Core S&P Mid-Cap ETFIJH- Market value
- 152.61M
- Weight
- 0.12%
- AUM
- 125.92B USD
- Expense ratio
- 0.05%
- Price / 1D
- $76.77+0.52%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 137.27M
- Weight
- 0.01%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $378.24+0.44%
Avantis U.S. Small Cap Value ETFAVUV- Market value
- 111.85M
- Weight
- 0.36%
- AUM
- 31.27B USD
- Expense ratio
- 0.25%
- Price / 1D
- $126.45+0.66%
iShares Russell 2000 ETFIWM- Market value
- 111.18M
- Weight
- 0.14%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $299.96+0.77%
Vanguard Morningstar Small-Cap ETFVB- Market value
- 99.25M
- Weight
- 0.05%
- AUM
- 183.4B USD
- Expense ratio
- 0.03%
- Price / 1D
- $304.76+0.64%
Vanguard Morningstar Small-Cap Value ETFVBR- Market value
- 63.03M
- Weight
- 0.09%
- AUM
- 68.3B USD
- Expense ratio
- 0.05%
- Price / 1D
- $249.18+0.68%
State Street SPDR S&P Regional Banking ETFKRE- Market value
- 51.43M
- Weight
- 1.27%
- AUM
- 4.06B USD
- Expense ratio
- 0.35%
- Price / 1D
- $74.86+0.20%
Vanguard Extended Market ETFVXF- Market value
- 49.66M
- Weight
- 0.05%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $245.53+0.82%
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