Texas Capital Bancshares Inc (TCBI) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Texas Capital Bancshares Inc stock (TCBI) is currently trading at $95.10. Texas Capital Bancshares Inc PE ratio is 14.01. Texas Capital Bancshares Inc PS ratio (Price-to-Sales) is 3.50. Analyst consensus price target for TCBI is $105.07. WallStSmart rates TCBI as Buy.
- TCBI PE ratio analysis and historical PE chart
- TCBI PS ratio (Price-to-Sales) history and trend
- TCBI intrinsic value — DCF, Graham Number, EPV models
- TCBI stock price prediction 2025 2026 2027 2028 2029 2030
- TCBI fair value vs current price
- TCBI insider transactions and insider buying
- Is TCBI undervalued or overvalued?
- Texas Capital Bancshares Inc financial analysis — revenue, earnings, cash flow
- TCBI Piotroski F-Score and Altman Z-Score
- TCBI analyst price target and Smart Rating
Texas Capital Bancshares Inc
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TCBI Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Texas Capital Bancshares Inc (TCBI)
TCBI trades at a significant discount to its Graham intrinsic value of $317.77, offering a 68% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Texas Capital Bancshares Inc (TCBI) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Texas Capital Bancshares Inc (TCBI) Key Strengths (7)
Keeps $43 of every $100 in revenue after operating costs
Earnings per share surging 49.00% year-over-year
Keeps $28 of every $100 in revenue as net profit
103.55% of shares held by major funds and institutions
Good growth relative to its price
Trading at 1.22x book value, attractively priced
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Texas Capital Bancshares Inc (TCBI) Areas to Watch (3)
Low profitability relative to shareholder equity
Revenue is fairly priced at 3.50x sales
Solid revenue growth at 19.10% per year
Texas Capital Bancshares Inc (TCBI) Detailed Analysis Report
Overall Assessment
This company scores 77/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 7 register as strengths (avg 9.0/10) while 3 fall into concern territory (avg 5.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including PEG Ratio (1.47), Price/Book (1.22) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 42.50%, Profit Margin at 27.50%. Growth metrics are encouraging with EPS Growth at 49.00%.
The Bear Case
The primary concerns are Return on Equity, Price/Sales, Revenue Growth. Some valuation metrics including Price/Sales (3.50) suggest expensive pricing. Growth concerns include Revenue Growth at 19.10%, which may limit upside. Profitability pressure is visible in Return on Equity at 9.44%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 9.44% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 19.10% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and EPS Growth makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
TCBI Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
TCBI's Price-to-Sales ratio of 3.50x sits near its historical average of 3.54x (49th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 44% below its historical high of 6.21x set in Sep 2012, and 400% above its historical low of 0.7x in Mar 2020.
WallStSmart Analysis Synopsis
Data-driven financial summary for Texas Capital Bancshares Inc (TCBI) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Texas Capital Bancshares Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 1.2B with 19% growth year-over-year. Profit margins are strong at 27.5%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 27.5% and operating margin of 42.5% demonstrate strong pricing power and operational efficiency.
Generating 130M in free cash flow and 130M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Texas Capital Bancshares Inc.
Bottom Line
Texas Capital Bancshares Inc offers an attractive blend of growth (19% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Texas Capital Bancshares Inc(TCBI)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Texas Capital Bancshares, Inc. is the banking holding company for Texas Capital Bank, a National Association that offers various banking products and services for commercial companies, professionals and entrepreneurs. The company is headquartered in Dallas, Texas.