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Texas Capital Bancshares, Inc. TCBI

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Price alert · TCBI

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101.03 USD -2.06 (-2.00%)

At closeNov 6, 2026, 4:00 PM EST

101.03 0.00 0.00%

After hours · Nov 6, 4:00 PM ET

99.10 Day range 104.04
82.15 52-week range 108.92
YTD
+11.59%
1 year
+19.35%

Financial health

Altman Z-Score

0.50 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 13.2×
FY 2016: 25.0×FY 2017: 23.5×FY 2018: 8.8×FY 2019: 9.1×FY 2020: 53.1×FY 2021: 13.0×FY 2022: 9.6×FY 2023: 18.1×FY 2024: 60.6×FY 2025: 13.2×
FY 2016 5y median 13.2× FY 2025
P/S 2.0×
FY 2016: 4.8×FY 2017: 4.7×FY 2018: 2.1×FY 2019: 2.0×FY 2020: 2.5×FY 2021: 3.1×FY 2022: 2.4×FY 2023: 1.7×FY 2024: 2.1×FY 2025: 2.0×
FY 2016 5y median 2.1× FY 2025
P/B 1.1×
FY 2016: 1.8×FY 2017: 2.0×FY 2018: 1.0×FY 2019: 1.0×FY 2020: 1.0×FY 2021: 0.9×FY 2022: 1.0×FY 2023: 1.0×FY 2024: 1.1×FY 2025: 1.1×
FY 2016 5y median 1.0× FY 2025
P/FCF 11.7×
FY 2016: -5.0×FY 2017: 36.7×FY 2018: -3.7×FY 2019: -11.1×FY 2020: 1.1×FY 2021: 4.7×FY 2022: 22.3×FY 2023: 8.7×FY 2024: 8.7×FY 2025: 11.7×
FY 2016 5y median 8.7× FY 2025
EV/EBITDA 5.9×
FY 2016: 12.6×FY 2017: 14.4×FY 2018: 11.0×FY 2019: 3.2×FY 2020: -16.2×FY 2021: -4.1×FY 2022: 0.3×FY 2023: 7.7×FY 2024: 12.4×FY 2025: 5.9×
FY 2016 5y median 5.9× FY 2025
EV/Sales 1.5×
FY 2016: 4.4×FY 2017: 5.4×FY 2018: 3.6×FY 2019: 1.0×FY 2020: -2.3×FY 2021: -1.8×FY 2022: 0.1×FY 2023: 1.2×FY 2024: 1.1×FY 2025: 1.5×
FY 2016 5y median 1.1× FY 2025
FCF Yield 8.5%
FY 2016: -20.1%FY 2017: 2.7%FY 2018: -26.9%FY 2019: -9.0%FY 2020: 87.9%FY 2021: 21.4%FY 2022: 4.5%FY 2023: 11.5%FY 2024: 11.4%FY 2025: 8.5%
FY 2016 5y median 11.4% FY 2025

Profitability

Gross Margin 60.6%
FY 2016: 81.6%FY 2017: 82.7%FY 2018: 72.6%FY 2019: 67.9%FY 2020: 62.1%FY 2021: 92.1%FY 2022: 73.1%FY 2023: 56.0%FY 2024: 49.2%FY 2025: 60.6%
FY 2016 5y median 60.6% FY 2025
Operating Margin 22.2%
FY 2016: 31.6%FY 2017: 34.7%FY 2018: 30.4%FY 2019: 27.6%FY 2020: 7.8%FY 2021: 34.2%FY 2022: 34.7%FY 2023: 13.8%FY 2024: 6.1%FY 2025: 22.2%
FY 2016 5y median 22.2% FY 2025
Net Margin 16.5%
FY 2016: 20.3%FY 2017: 21.0%FY 2018: 23.9%FY 2019: 21.7%FY 2020: 5.6%FY 2021: 25.7%FY 2022: 26.7%FY 2023: 10.6%FY 2024: 4.4%FY 2025: 16.5%
FY 2016 5y median 16.5% FY 2025
ROE 9.1%
FY 2016: 7.7%FY 2017: 8.9%FY 2018: 11.7%FY 2019: 11.1%FY 2020: 2.3%FY 2021: 7.9%FY 2022: 10.9%FY 2023: 5.9%FY 2024: 2.3%FY 2025: 9.1%
FY 2016 5y median 7.9% FY 2025
ROIC 6.7%
FY 2016: 3.3%FY 2017: 3.3%FY 2018: 3.8%FY 2019: 5.2%FY 2020: 1.0%FY 2021: 3.8%FY 2022: 6.0%FY 2023: 3.2%FY 2024: 1.4%FY 2025: 6.7%
FY 2016 5y median 3.8% FY 2025
ROA 1.0%
FY 2016: 0.7%FY 2017: 0.8%FY 2018: 1.0%FY 2019: 1.0%FY 2020: 0.2%FY 2021: 0.7%FY 2022: 1.2%FY 2023: 0.7%FY 2024: 0.3%FY 2025: 1.0%
FY 2016 5y median 0.7% FY 2025

Growth (YoY)

Revenue 13.5%
FY 2016: 17.2%FY 2017: 23.0%FY 2018: 30.8%FY 2019: 16.9%FY 2020: -17.9%FY 2021: -16.2%FY 2022: 26.2%FY 2023: 43.9%FY 2024: -1.7%FY 2025: 13.5%
FY 2016 FY 2025
Operating Income 314.4%
FY 2016: 7.4%FY 2017: 35.0%FY 2018: 14.6%FY 2019: 6.1%FY 2020: -76.8%FY 2021: 267.7%FY 2022: 27.7%FY 2023: -42.9%FY 2024: -56.6%FY 2025: 314.4%
FY 2016 FY 2025
EPS (diluted) 431.3%
FY 2016: 6.9%FY 2017: 19.9%FY 2018: 55.2%FY 2019: 7.3%FY 2020: -82.0%FY 2021: 310.7%FY 2022: 34.3%FY 2023: -42.7%FY 2024: -63.8%FY 2025: 431.3%
FY 2016 FY 2025
Free Cash Flow -16.5%
FY 2016: -1239.9%FY 2017: 116.5%FY 2018: -673.3%FY 2019: 62.6%FY 2020: 1126.7%FY 2021: -75.2%FY 2022: -79.1%FY 2023: 161.4%FY 2024: 16.5%FY 2025: -16.5%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.3×
FY 2016: 1.2×FY 2017: 1.6×FY 2018: 2.0×FY 2019: 1.0×FY 2020: 1.2×FY 2021: 1.0×FY 2022: 0.7×FY 2023: 0.7×FY 2024: 0.5×FY 2025: 0.3×
FY 2016 5y median 0.7× FY 2025
Net Debt / EBITDA -2.3×
FY 2016: -1.2×FY 2017: 1.9×FY 2018: 4.7×FY 2019: -3.4×FY 2020: -34.2×FY 2021: -11.2×FY 2022: -6.0×FY 2023: -3.1×FY 2024: -10.2×FY 2025: -2.3×
FY 2016 5y median -6.0× FY 2025
Interest Coverage 0.6×
FY 2016: 3.8×FY 2017: 2.8×FY 2018: 1.5×FY 2019: 1.0×FY 2020: 0.5×FY 2021: 3.1×FY 2022: 1.6×FY 2023: 0.3×FY 2024: 0.1×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025

Dividends

Dividend Yield 0.4%
FY 2016: 0.3%FY 2017: 0.2%FY 2018: 0.4%FY 2019: 0.3%FY 2020: 0.3%FY 2021: 0.6%FY 2022: 0.6%FY 2023: 0.6%FY 2024: 0.5%FY 2025: 0.4%
FY 2016 5y median 0.6% FY 2025
Payout Ratio 5.2%
FY 2016: 6.3%FY 2017: 4.9%FY 2018: 3.3%FY 2019: 3.1%FY 2020: 14.7%FY 2021: 7.4%FY 2022: 5.2%FY 2023: 9.1%FY 2024: 22.3%FY 2025: 5.2%
FY 2016 5y median 7.4% FY 2025

Annual · latest fiscal year ends 2025-12-31