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Texas Capital Bancshares Inc TCBIO

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Price alert · TCBIO

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18.28 USD 0.00 (+0.00%)

At closeOct 22, 2026, 4:00 PM EDT

18.28 0.00 0.00%

After hours · Oct 22, 4:00 PM ET

18.28 Day range 18.28
17.96 52-week range 22.95
YTD
-11.86%
1 year
-11.86%

Financial health

Altman Z-Score

0.40 Distress zone

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

Piotroski F-Score

6 / 9 Average

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

Rating

A+5 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 4
  • P/E 5
  • P/B 5

Valuation

P/E 2.9×
FY 2016: 7.8×FY 2017: 6.5×FY 2018: 4.1×FY 2019: 4.1×FY 2020: 22.0×FY 2021: 5.8×FY 2022: 3.1×FY 2023: 5.2×FY 2024: 15.1×FY 2025: 2.9×
FY 2016 5y median 5.2× FY 2025
P/S 0.5×
FY 2016: 1.8×FY 2017: 1.6×FY 2018: 1.4×FY 2019: 1.2×FY 2020: 1.3×FY 2021: 1.6×FY 2022: 0.8×FY 2023: 0.9×FY 2024: 0.5×FY 2025: 0.5×
FY 2016 5y median 0.8× FY 2025
P/B 0.3×
FY 2016: 0.6×FY 2017: 0.6×FY 2018: 0.5×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
P/FCF 2.6×
FY 2016: -1.6×FY 2017: 10.3×FY 2018: -1.8×FY 2019: -4.8×FY 2020: 0.5×FY 2021: 2.1×FY 2022: 7.1×FY 2023: 2.5×FY 2024: 2.2×FY 2025: 2.6×
FY 2016 5y median 2.5× FY 2025
EV/EBITDA 3.4×
FY 2016: 2.8×FY 2017: 4.4×FY 2018: 6.0×FY 2019: -0.8×FY 2020: -27.4×FY 2021: -8.0×FY 2022: -4.0×FY 2023: 0.0×FY 2024: 7.2×FY 2025: 3.4×
FY 2016 5y median 0.0× FY 2025
EV/Sales 0.8×
FY 2016: 1.2×FY 2017: 2.0×FY 2018: 2.8×FY 2019: -0.3×FY 2020: -4.6×FY 2021: -3.9×FY 2022: -1.7×FY 2023: 0.0×FY 2024: 1.4×FY 2025: 0.8×
FY 2016 5y median 0.0× FY 2025
FCF Yield 38.4%
FY 2016: -63.3%FY 2017: 9.7%FY 2018: -55.9%FY 2019: -20.8%FY 2020: 212.4%FY 2021: 47.8%FY 2022: 14.2%FY 2023: 39.8%FY 2024: 46.4%FY 2025: 38.4%
FY 2016 5y median 39.8% FY 2025

Profitability

Gross Margin 60.1%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 100.0%FY 2024: 49.2%FY 2025: 60.1%
FY 2016 5y median 100.0% FY 2025
Operating Margin 21.6%
FY 2016: 33.6%FY 2017: 36.4%FY 2018: 40.1%FY 2019: 38.8%FY 2020: 9.3%FY 2021: 38.4%FY 2022: 31.8%FY 2023: 24.6%FY 2024: 16.3%FY 2025: 21.6%
FY 2016 5y median 24.6% FY 2025
Net Margin 16.5%
FY 2016: 24.9%FY 2017: 24.9%FY 2018: 33.2%FY 2019: 30.8%FY 2020: 6.7%FY 2021: 28.9%FY 2022: 28.7%FY 2023: 18.8%FY 2024: 4.4%FY 2025: 16.5%
FY 2016 5y median 18.8% FY 2025
ROE 9.1%
FY 2016: 7.7%FY 2017: 8.9%FY 2018: 12.0%FY 2019: 11.4%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 15.1%
FY 2016: 0.6%FY 2017: 0.7%FY 2018: 1.0%FY 2019: 5.6%FY 2020: 0.4%FY 2021: 1.6%FY 2022: 2.4%FY 2023: 1.0%FY 2024: 3.7%FY 2025: 15.1%
FY 2016 5y median 2.4% FY 2025
ROA 1.0%
FY 2016: 0.7%FY 2017: 0.8%FY 2018: 1.1%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: 13.2%FY 2017: 26.9%FY 2018: 14.4%FY 2019: 15.9%FY 2020: -5.7%FY 2021: -11.2%FY 2022: 31.8%FY 2023: -13.4%FY 2024: 75.4%FY 2025: 13.5%
FY 2016 FY 2025
Operating Income 51.0%
FY 2016: 5.7%FY 2017: 37.4%FY 2018: 26.2%FY 2019: 12.0%FY 2020: -77.4%FY 2021: 267.7%FY 2022: 9.2%FY 2023: -33.2%FY 2024: 16.2%FY 2025: 51.0%
FY 2016 FY 2025
EPS (diluted) 430.5%
FY 2016: 6.9%FY 2017: 19.9%FY 2018: 60.3%FY 2019: 0.3%FY 2020: -81.3%FY 2021: 310.7%FY 2022: 34.3%FY 2023: -42.7%FY 2024: -63.8%FY 2025: 430.5%
FY 2016 FY 2025
Free Cash Flow -15.6%
FY 2016: -1239.9%FY 2017: 116.5%FY 2018: -673.3%FY 2019: 62.6%FY 2020: 1126.4%FY 2021: -75.2%FY 2022: -79.1%FY 2023: 161.4%FY 2024: 16.5%FY 2025: -15.6%
FY 2016 FY 2025

Financial Health

Current Ratio 6.4×
FY 2016: 3930×FY 2017: 3245×FY 2018: 1357×FY 2019: 421×FY 2020: 1177×FY 2021: 1570×FY 2022: 6.8×FY 2023: 0.3×FY 2024: 10.3×FY 2025: 6.4×
FY 2016 5y median 6.8× FY 2025
Quick Ratio 6.4×
FY 2016: 3930×FY 2017: 3245×FY 2018: 1357×FY 2019: 421×FY 2020: 1177×FY 2021: 1570×FY 2022: 6.8×FY 2023: 0.3×FY 2024: 10.3×FY 2025: 6.4×
FY 2016 5y median 6.8× FY 2025
Debt / Equity 0.3×
FY 2016: 1.2×FY 2017: 1.5×FY 2018: 1.7×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 1.5×
FY 2016: -1.6×FY 2017: 0.9×FY 2018: 3.1×FY 2019: -3.7×FY 2020: -34.8×FY 2021: -11.2×FY 2022: -6.0×FY 2023: -3.1×FY 2024: 4.6×FY 2025: 1.5×
FY 2016 5y median -3.1× FY 2025
Interest Coverage 0.6×
FY 2016: 3.3×FY 2017: 2.4×FY 2018: 1.5×FY 2019: 1.1×FY 2020: 0.5×FY 2021: 3.1×FY 2022: 1.4×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025

Dividends

Dividend Yield 1.9%
FY 2016: 0.8%FY 2017: 0.8%FY 2018: 0.8%FY 2019: 0.8%FY 2020: 0.8%FY 2021: 1.4%FY 2022: 1.8%FY 2023: 1.9%FY 2024: 1.9%FY 2025: 1.9%
FY 2016 5y median 1.9% FY 2025
Payout Ratio 5.2%
FY 2016: 6.3%FY 2017: 4.9%FY 2018: 3.2%FY 2019: 3.0%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