Valuation dashboard for Texas Capital Bancshares, Inc. (TCBI) with P/E 11.59, P/B 1.11, EV/EBITDA 5.8 and dividend yield 0.45%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
Texas Capital Bancshares, Inc. serves as the holding company for Texas Capital Bank, operating as a comprehensive financial services firm that delivers tailored solutions to businesses, entrepreneurs, and individual clients. Its offerings encompass commercial banking, consumer banking, investment banking, and wealth management.
Where would it trade at its usual multiples?
Versus its usual multiples: expensive · Current P/B 1.1× · Multiples range: $68.74 · $102.71.
At a P/B Kaplio accepts for its ROTCE 9.1% (0.8×) $69 (-23%); at its peers' median (1.3×) $103 (+15%). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
Analysis Summary
Texas Capital Bancshares, Inc. reported revenue of $1.26B in the most recent fiscal year, growing at a 5-year CAGR of 4.9%. Net income reached $330.2M, with a 37.9% 5-year CAGR.
Trailing-twelve-month margins: gross margin 62.7%, operating margin 24.6%, net margin 18.4%.
At $89.58 (closing price, October 12, 2026), TCBI trades at a P/E of 11.59 and an ROE of 10.11%. Market capitalisation stands at $3.9B.
Balance sheet quality for TCBI: debt-to-equity ratio of 0.14, current ratio of 0.00 over the last 12 months. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 11.59 |
| Price / Book | 1.11 |
| EV / EBITDA | 5.8 |
| Dividend Yield | 0.45% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| TCBI | Texas Capital Bancshares, Inc. | $3.9B | 11.59 | 1.11 | 10.1% |
| FCNCA | First Citizens BancShares, Inc. | $25.8B | 11.90 | 1.23 | 10.9% |
| UMBF | UMB Financial Corporation | $10.3B | 10.30 | 1.32 | 13.2% |
| BOKF | BOK Financial Corporation | $8.0B | 11.83 | 1.33 | 11.2% |
| PNFP | Pinnacle Financial Partners, Inc. | $15.5B | 12.34 | 1.06 | 8.0% |
| FFIN | First Financial Bankshares, Inc. | $4.4B | 15.29 | 2.43 | 15.1% |
| FIBK | First Interstate BancSystem, Inc. | $3.6B | 11.72 | 1.13 | 9.5% |
| PB | Prosperity Bancshares, Inc. | $8.8B | 13.29 | 0.90 | 6.7% |
Price
| Price | $89.58 (closing price, October 12, 2026) |
| Market Cap | $3.9B |
| Exchange | NASDAQ |
| Country | US |
Profitability
| Return on Equity | 10.11% |
| Return on Invested Capital | 8.48% |
| Return on Assets | 1.12% |
| Gross Margin | 62.67% |
| Operating Margin | 24.62% |
| Net Margin | 18.42% |
Related companies: FCNCA · UMBF · BOKF · PNFP · FFIN · FIBK · PB · ASB
Explore sector: Financial Services · Banks - Regional
More sections of TCBI: Overview · Financials · Estimates · Technical · Ownership
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