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Upturn AI SWOT - About
TCBI 
Texas Capital Bancshares Inc (TCBI)
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Upturn Advisory Summary
08/28/2025: TCBI (1-star) is currently NOT-A-BUY. Pass it for now.
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 $91.62
1 Year Target Price $91.62
| 2 | Strong Buy |
| 2 | Buy |
| 6 | Hold |
| 2 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -21.25% | Avg. Invested days 35 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.96B USD | Price to earnings Ratio 34.38 | 1Y Target Price 91.62 |
Price to earnings Ratio 34.38 | 1Y Target Price 91.62 | ||
Volume (30-day avg) 13 | Beta 0.65 | 52 Weeks Range 59.37 - 94.61 | Updated Date 08/28/2025 |
52 Weeks Range 59.37 - 94.61 | Updated Date 08/28/2025 | ||
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 34.38 | Forward PE 14.99 | Enterprise Value 3500656896 | Price to Sales(TTM) 4.23 |
Enterprise Value 3500656896 | Price to Sales(TTM) 4.23 | ||
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 103.41 |
Upturn AI SWOT
Texas Capital Bancshares Inc
Company Overview
History and Background
Texas Capital Bancshares, Inc. was founded in 1998 in Dallas, Texas. It aimed to serve middle-market businesses and entrepreneurs. Over time, it has grown through organic expansion and strategic acquisitions to become a significant regional bank in Texas.
Core Business Areas
- Commercial Banking: Provides lending, treasury management, and other financial services to middle-market businesses.
- Private Wealth Management: Offers wealth management, trust, and investment services to high-net-worth individuals.
- Investment Banking: Provides advisory and capital markets services.
- Mortgage Finance: Mortgage banker providing customized residential mortgage solutions. Reduced its focus on this segment in recent years due to volatility.
Leadership and Structure
The leadership team consists of Robert W. Holmes III (Chairman, President and CEO). The organizational structure is typical of a regional bank, with divisions for commercial banking, private wealth management, and investment banking, all overseen by the executive management team.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to middle-market businesses for various purposes, including working capital, equipment financing, and real estate. Market share information is fragmented and varies by loan type and geography. Competitors include large national banks (e.g., JPM, BAC), other regional banks (e.g., Comerica), and credit unions.
- Revenue: Commercial Loans are a key source of income.
- Revenue: Treasury Management Services are a key source of income.
- Treasury Management Services: Cash management solutions for businesses, including online banking, payment processing, and account reconciliation. Market share is competitive, with many players offering similar services. Competitors include large national banks and fintech companies.
- Private Wealth Management: Wealth management, trust, and investment services for high-net-worth individuals. Competitors include national brokerage firms (e.g., Morgan Stanley, Merrill Lynch) and other regional wealth management firms. Market share fragmented.
- Revenue: Private Wealth Management is a key source of income.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Regional banks are focusing on niche markets and building strong customer relationships to compete effectively.
Positioning
Texas Capital Bancshares Inc positions itself as a relationship-focused bank serving middle-market businesses and high-net-worth individuals in Texas. Its competitive advantage lies in its local market expertise and personalized service.
Total Addressable Market (TAM)
TAM for commercial banking in Texas is estimated to be in the tens of billions of dollars. TAM for wealth management in Texas is estimated to be in the hundreds of billions of dollars. TCB is a medium-sized player with ample room to grow within the TAM.
Upturn SWOT Analysis
Strengths
- Strong presence in Texas market
- Experienced management team
- Focus on middle-market businesses
- Strong relationship-based banking model
Weaknesses
- Geographic concentration in Texas
- Reliance on commercial lending
- Sensitivity to interest rate fluctuations
- Mortgage Banking segment volatility
Opportunities
- Expansion into new markets within Texas
- Growth in wealth management business
- Increased adoption of digital banking solutions
- Increase lending due to increase in Texas population
Threats
- Increased competition from national and regional banks
- Economic downturn in Texas
- Changes in banking regulations
- Rising interest rates
Competitors and Market Share
Key Competitors
- JPM
- BAC
- CMA
Competitive Landscape
Texas Capital Bancshares Inc has a strong regional presence but faces competition from larger national banks with greater resources. Its advantage lies in its relationship-based banking model and local market expertise.
Growth Trajectory and Initiatives
Historical Growth: Texas Capital Bancshares Inc has grown organically and through strategic acquisitions over the past years. Historical data is available in their financial reports.
Future Projections: Analyst estimates for Texas Capital Bancshares Inc's future growth are available from financial news and data providers.
Recent Initiatives: Recent strategic initiatives include expanding into new markets within Texas and investing in digital banking solutions. Company's investor relations page would offer latest updates.
Summary
Texas Capital Bancshares Inc is a regional bank focused on Texas. Its strengths lie in its local market knowledge and relationship-based banking. The company faces risks from competition, economic downturns, and rising interest rates. Growth opportunities include expanding within Texas and growing the wealth management business. Their focus on the Texas market gives them an edge, however, reliance on the Texas market could prove risky in the event of a downturn in that market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Investor presentations
- Earnings call transcripts
- Third-party financial data providers (e.g., Bloomberg, Reuters)
- Industry reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
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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