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Texas-based commercial bank focused on middle-market and corporate banking, wealth management and investment banking services.
Texas-based commercial bank focused on middle-market and corporate banking, wealth management and investment banking services.
Earns interest on loans to mid-sized Texas companies and on mortgage warehouse lending (short-term loans to mortgage originators), plus fees from investment banking, trading and wealth services. Since 2022 it has been deliberately building the fee businesses to rely less on loan interest.
Moat: narrow (brand, customer qualification). Built-out investment banking platform differentiates from typical community banks, though still competes with larger regionals.
Headquarters: Dallas, Texas, United States · Founded: 1998 · Employees: 1,785
Size Texas Capital Bancshares (TCBI) is a United States Financials company (Major Banks) with a market value of $4.39B, the 1283rd largest of 3,117 United States companies the cockpit tracks. Shares closed at $101.03 on 6 Nov 2026.
Performance Over six months the shares gained 1.1%, against +6.6% for the median peer and -1.1% for the United States market (cap-weighted) — 7th lowest of 21 in its peer set.
Growth Revenue grew 3.1% over the last twelve months (peer median +12.4%); the operating margin is 35.2% (peer median 36.6%).
Valuation It trades at 1.34× book value against a peer median of 1.04× (9th most expensive of 21).
Price implies The share price implies a return on equity of about 9.8%; Texas Capital Bancshares delivers 10.2%, so the price asks less than the business earns today.
Credit Texas Capital Bancshares has 1 bond outstanding ($0), rated BB- by the agencies.
Next results Next results expected around 21 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $2.05B | $2.00B | $1.93B | $1.79B | $1.25B |
| Revenue growth | — | +4% | +8% | +43% | — |
| Net income | $363M | $330M | $77.5M | $189M | $332M |
| Free cash flow | $516M | $352M | $415M | $357M | $137M |
| Capital expenditure | $10.2M | $12.6M | $64.8M | $16.4M | $11.3M |
| Total debt | $487M | $1.18B | $1.77B | $2.47B | $2.24B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Texas Capital Bancshares TCBI | $4.39B | +1% | +3% | 10% | 1.34× | 9.8% |
| Prosperity Bancshares, Inc.(R) PB | $8.60B | +4% | +19% | 6% | 0.88× | 7.5% |
| Independent Bank INDB | $3.94B | +8% | +25% | 9% | 1.14× | 9.5% |
| Cullen/Frost Bankers CFR | $9.65B | +12% | +2% | 16% | 2.52× | 14.2% |
| BOK Financial BOKF | $7.87B | -2% | +3% | 11% | 1.33× | 10.6% |
| Hilltop HTH | $2.07B | -4% | -2% | 7% | 0.98× | 9.1% |
| First Horizon FHN | $10.9B | -6% | -8% | 8% | 1.34× | 9.7% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | TCBI | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +9.3% | -1.5% | 2nd highest of 21 |
| 6-month return | +1.1% | +6.6% | 7th lowest of 21 |
| Return on equity | 10.2% | 10.0% | 10th highest of 21 |
| Price / book | 1.34× | 1.04× | 9th most expensive of 21 |
| Trailing P/E | 13.0× | 12.3× | 10th most expensive of 20 |
| ROE the price implies | 9.8% | 9.9% | 10th least demanding of 19 |
| ROE delivered | 10.2% | 10.1% | 8th highest of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Texas Capital Bancshares TCBI | United States | $4.39B | +1% | +3% | 10% | 1.34× | 9.8% | 10.2% |
| Liechtensteinische Landesbank LLBN.SW | Switzerland | $4.40B | +24% | -2% | 8% | 1.48× | n/a | 7.7% |
| First Financial Bankshares FFIN | United States | $4.36B | -6% | +8% | 16% | 2.38× | 17.0% | 15.9% |
| Banco Macro SA Sponsored ADR BMA | United States | $4.53B | -21% | +4% | 7% | 0.87× | 11.3% | 7.5% |
| Fulton Financial FULT | United States | $4.54B | +11% | +3% | 12% | 1.29× | 10.5% | 11.6% |
| Flagstar Bank, National Association FLG | United States | $4.21B | -26% | -18% | 1% | 0.59× | 7.4% | 1.2% |
| 77 Bank 8341.T | Japan | $4.66B | +7% | +21% | 9% | 0.95× | 5.9% | 9.4% |
| Kyushu Financial 7180.T | Japan | $3.79B | +7% | +15% | 5% | 0.73× | 6.6% | 4.9% |
| Sparebanken Norge SBNOR.OL | Norway | $3.78B | +8% | +62% | 7% | 0.71× | 6.1% | n/a |
| Bank of Chongqing 1963.HK | Hong Kong | $5.11B | +1% | +10% | 10% | 0.41× | 4.2% | 9.9% |
| Daishi Hokuetsu Financial 7327.T | Japan | $3.73B | +9% | +18% | 9% | 0.94× | 6.3% | 8.6% |
| St.Galler Kantonalbank SGKN.SW | Switzerland | $5.22B | +19% | -13% | 8% | 1.37× | n/a | 7.6% |
| JB Financial 175330.KS | South Korea | $3.67B | 0% | +9% | 13% | 0.94× | 5.3% | n/a |
| Axos Financial AX | United States | $5.26B | +7% | +18% | 17% | 1.60× | 16.5% | 16.7% |
| Grupo Aval Acciones y Valores SA Sponsored ADR Pfd AVAL | United States | $5.29B | -5% | +15% | 11% | 0.95× | 7.8% | 10.8% |
| TBC Bank TBCG.L | United Kingdom | $3.64B | +11% | +16% | 24% | 1.40× | 15.7% | 23.8% |
| Nicolet Bankshares NIC | United States | $3.60B | +18% | +46% | 10% | 1.62× | 11.5% | 10.2% |
| Dave DAVE | United States | $3.55B | +9% | +49% | 105% | 17.09× | 291.2% | 104.8% |
| Associated Banc-Corp ASB | United States | $5.64B | +6% | +23% | 10% | 1.07× | 9.3% | 10.2% |
| Community Financial System CBU | United States | $3.39B | +1% | +7% | 12% | 1.67× | 12.5% | 11.8% |
| Yes Bank YESBANK.NS | India | $5.72B | -24% | +5% | 8% | 1.01× | 15.3% | 8.2% |
Texas Capital Bancshares has 1 bond outstanding with $0 face value. The agencies rate it BB-.