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Upturn AI SWOT - About
TCBI 
Texas Capital Bancshares Inc (TCBI)
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Upturn Advisory Summary
09/16/2025: TCBI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
13 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $92
1 Year Target Price $92
| 2 | Strong Buy |
| 2 | Buy |
| 6 | Hold |
| 2 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -22.89% | Avg. Invested days 32 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.85B USD | Price to earnings Ratio 33.4 | 1Y Target Price 92 |
Price to earnings Ratio 33.4 | 1Y Target Price 92 | ||
Volume (30-day avg) 13 | Beta 0.69 | 52 Weeks Range 59.37 - 94.61 | Updated Date 09/16/2025 |
52 Weeks Range 59.37 - 94.61 | Updated Date 09/16/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 2.52 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 14.31% | Operating Margin (TTM) 36.68% |
Management Effectiveness
Return on Assets (TTM) 0.43% | Return on Equity (TTM) 4.01% |
Valuation
Trailing PE 33.4 | Forward PE 11.92 | Enterprise Value 3366594304 | Price to Sales(TTM) 4.11 |
Enterprise Value 3366594304 | Price to Sales(TTM) 4.11 | ||
Enterprise Value to Revenue 6.17 | Enterprise Value to EBITDA - | Shares Outstanding 45755100 | Shares Floating 44944366 |
Shares Outstanding 45755100 | Shares Floating 44944366 | ||
Percent Insiders 1.8 | Percent Institutions 103.46 |
Upturn AI SWOT
Texas Capital Bancshares Inc
Company Overview
History and Background
Texas Capital Bancshares, Inc. was founded in 1998 and is headquartered in Dallas, Texas. It has grown through organic expansion and strategic acquisitions to become a leading commercial bank focused on serving middle market businesses and entrepreneurs.
Core Business Areas
- Commercial Banking: Offers a wide range of lending, deposit, and treasury management services to middle market businesses.
- Private Wealth Management: Provides wealth management, trust, and estate planning services to high-net-worth individuals.
- Investment Banking: Offers financial advisory services.
Leadership and Structure
Rob C. Holmes is the President and CEO. The company has a board of directors overseeing its operations and strategic direction. The organizational structure is hierarchical with executive leadership managing various business lines and support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offerings include term loans, revolving lines of credit, and real estate financing. Market share information is not readily available on specific loan types. Competitors include major national and regional banks.
- Treasury Management Services: Includes cash management, payment processing, and fraud prevention solutions. Competitors include major national and regional banks such as Bank of America and JPMorgan Chase.
Market Dynamics
Industry Overview
The banking industry is currently experiencing increased competition, regulatory scrutiny, and evolving customer expectations driven by technological advancements. Interest rate fluctuations and economic conditions significantly impact profitability.
Positioning
Texas Capital Bancshares focuses on middle market businesses in Texas and surrounding areas. Its competitive advantage lies in its local expertise, personalized service, and strong relationships with its clients.
Total Addressable Market (TAM)
TAM for commercial banking in Texas is estimated to be in the billions of dollars. Texas Capital is well-positioned to capitalize on the market due to its regional focus.
Upturn SWOT Analysis
Strengths
- Strong presence in Texas
- Experienced management team
- Focus on middle market businesses
- Good reputation for customer service
Weaknesses
- Concentration in a single geographic region
- Reliance on commercial lending
- Smaller scale compared to national banks
- High cost structure
Opportunities
- Expansion into new markets
- Increased demand for commercial lending
- Growing wealth management business
- Technological innovation
Threats
- Economic downturn
- Increased competition
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- WFC
- JPM
- BOKF
- FHN
- HBAN
Competitive Landscape
TCBI competes with larger national banks and regional banks for commercial lending and deposit business. Its advantage is local expertise, but it is smaller in scale than its major competitors.
Growth Trajectory and Initiatives
Historical Growth: Assess historical growth based on revenue, assets, and profitability.
Future Projections: Refer to analyst reports for future growth projections.
Recent Initiatives: Analyze recent strategic initiatives outlined in investor presentations and press releases.
Summary
Texas Capital Bancshares is a regional bank with a strong presence in Texas, focusing on middle market businesses. While its local focus is a strength, it faces competition from larger national banks and is exposed to economic conditions in the region. Strategic acquisitions and diversification of revenue streams are important for future growth. Staying agile and focusing on customer relationships can help maintain a competitive edge.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q), Investor Relations, News articles, Analyst reports (where available)
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Market data is dynamic and subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Texas Capital Bancshares Inc
Exchange NASDAQ | Headquaters Dallas, TX, United States | ||
IPO Launch date 2003-08-14 | Chairman, President & CEO Mr. Robert C. Holmes | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1818 | Website https://www.texascapitalbank.com |
Full time employees 1818 | Website https://www.texascapitalbank.com | ||
Texas Capital Bancshares, Inc. operates as the bank holding company for Texas Capital Bank, is a full-service financial services firm that delivers customized solutions to businesses, entrepreneurs, and individual customers. The company offers commercial banking; consumer banking; investment banking solutions, including capital markets, mergers and acquisitions, and syndicated finance, as well as financial sponsor coverage, capital solutions, and institutional services; and wealth management services, such as investment management, financial planning, lockbox and insurance, securities-based lending, estate planning, and business succession, as well as philanthropic, trustee and executor, custom credit, and depository services. It also provides deposit accounts, analyzed accounts, commercial card, SBA and business loans, packaged solutions, and merchant services; liquidity and investments, working capital, international trade and payment, and treasury and credit products; and commercial real estate, homebuilder and community, and mortgage finance. In addition, the company offers payables and receivables management; online and mobile banking; term loans and lines of credit, equipment finance and lease, acquisition finance, and asset-based lending; private wealth advisory solutions; and checking and savings accounts, debit and credit cards, and certificates of deposit, as well as ETF and funds management services. Further, it provides financial institution money market accounts and loan syndication products; commercial loans for financing for working capital, organic growth, and acquisitions; real estate term and construction loans; mortgage warehouse lending services; treasury management, trust, and advisory and escrow services; and letters of credit. The company operates in Austin, Dallas, Fort Worth, Houston, and San Antonio metropolitan areas of Texas. Texas Capital Bancshares, Inc. was incorporated in 1996 and is headquartered in Dallas, Texas.
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