Texas Capital Bancshares Inc (TCBIO) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Texas Capital Bancshares Inc stock (TCBIO) is currently trading at $21.88. Texas Capital Bancshares Inc PE ratio is 5.53. WallStSmart rates TCBIO as Underperform.
- TCBIO PE ratio analysis and historical PE chart
- TCBIO PS ratio (Price-to-Sales) history and trend
- TCBIO intrinsic value — DCF, Graham Number, EPV models
- TCBIO stock price prediction 2025 2026 2027 2028 2029 2030
- TCBIO fair value vs current price
- TCBIO insider transactions and insider buying
- Is TCBIO undervalued or overvalued?
- Texas Capital Bancshares Inc financial analysis — revenue, earnings, cash flow
- TCBIO Piotroski F-Score and Altman Z-Score
- TCBIO analyst price target and Smart Rating
Texas Capital Bancshares Inc
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TCBIO Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Texas Capital Bancshares Inc (TCBIO)
TCBIO trades at a significant discount to its Graham intrinsic value of $185.28, offering a 88% 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 (TCBIO) · 7 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 operating margin, eps growth, profit margin. Concerns around return on equity. Mixed signals suggest waiting for clearer direction before acting.
Texas Capital Bancshares Inc (TCBIO) Key Strengths (4)
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
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Texas Capital Bancshares Inc (TCBIO) Areas to Watch (3)
Low profitability relative to shareholder equity
Low institutional interest, mostly retail-driven
Solid revenue growth at 19.10% per year
Texas Capital Bancshares Inc (TCBIO) Detailed Analysis Report
Overall Assessment
This company scores 47/100 in our Smart Analysis, earning a D+ grade. Out of 7 metrics analyzed, 4 register as strengths (avg 9.3/10) while 3 fall into concern territory (avg 4.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. 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, Institutional Own., Revenue Growth. 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 higher 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
Fundamental challenges outweigh strengths at current levels. Return on Equity and Institutional Own. are the primary drags. Consider waiting for meaningful improvement before committing capital.
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.
TCBIO Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
WallStSmart Analysis Synopsis
Data-driven financial summary for Texas Capital Bancshares Inc (TCBIO) · 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(90 last 3 months)
| Insider | Type | Shares |
|---|---|---|
ERWIN, JAMES R Director | Sell | -1,000 |
| Insider | Type | Shares |
|---|---|---|
ARBOUR, PAOLA M Director | Buy | +1,000 |
| Insider | Type | Shares |
|---|---|---|
STALLINGS, ROBERT W Director | Buy | +5,500 |
| Insider | Type | Shares |
|---|---|---|
STALLINGS, ROBERT W Director | Buy | +20,000 |
| Insider | Type | Shares |
|---|---|---|
STALLINGS, ROBERT W Director | Buy | +15,000 |
| Insider | Type | Shares |
|---|---|---|
STALLINGS, ROBERT W Director | Buy | +30,000 |
| Insider | Type | Shares |
|---|---|---|
STALLINGS, ROBERT W Director | Buy | +20,000 |
| Insider | Type | Shares |
|---|---|---|
STALLINGS, ROBERT W Director | Buy | +20,000 |
| Insider | Type | Shares |
|---|---|---|
STALLINGS, ROBERT W Director | Buy | +20,000 |
| Insider | Type | Shares |
|---|---|---|
STALLINGS, ROBERT W Director | Buy | +2,000 |
| Insider | Type | Shares |
|---|---|---|
STALLINGS, ROBERT W Director | Buy | +8,000 |
| Insider | Type | Shares |
|---|---|---|
STALLINGS, ROBERT W Director | Buy | +8,385 |
| Insider | Type | Shares |
|---|---|---|
STALLINGS, ROBERT W Director | Buy | +8,500 |
| Insider | Type | Shares |
|---|---|---|
STALLINGS, ROBERT W Director | Buy | +3,600 |
| Insider | Type | Shares |
|---|---|---|
STALLINGS, ROBERT W Director | Buy | +515 |
| Insider | Type | Shares |
|---|---|---|
STALLINGS, ROBERT W Director | Buy | +4,500 |
| Insider | Type | Shares |
|---|---|---|
WHITLEY, LAURA L Director | Buy | +500 |
Data sourced from SEC Form 4 filings
Last updated: 11:52:45 AM
About Texas Capital Bancshares Inc(TCBIO)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Texas Capital Bancshares Inc (TCBIO), based in Dallas, Texas, is a prominent banking institution that delivers a wide array of financial solutions tailored to both commercial and private clients. The company specializes in business loans, treasury management, and personal banking services, underpinned by a commitment to customer relationship excellence and regional market knowledge. With a focus on disciplined risk management and strategic growth initiatives, TCBIO is well-positioned to navigate the competitive landscape and capitalize on emerging opportunities, thereby ensuring long-term value creation for its shareholders.