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TCBI 
Texas Capital Bancshares Inc (TCBI)
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Upturn Advisory Summary
11/05/2025: 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 $92.57
1 Year Target Price $92.57
| 2 | Strong Buy |
| 2 | Buy |
| 6 | Hold |
| 2 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -24.4% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.96B USD | Price to earnings Ratio 14.24 | 1Y Target Price 92.57 |
Price to earnings Ratio 14.24 | 1Y Target Price 92.57 | ||
Volume (30-day avg) 13 | Beta 0.69 | 52 Weeks Range 59.37 - 94.61 | Updated Date 11/7/2025 |
52 Weeks Range 59.37 - 94.61 | Updated Date 11/7/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 6.09 |
Earnings Date
Report Date 2025-10-22 | When After Market | Estimate 1.77 | Actual 2.18 |
Profitability
Profit Margin 26.14% | Operating Margin (TTM) 43.54% |
Management Effectiveness
Return on Assets (TTM) 0.94% | Return on Equity (TTM) 8.6% |
Valuation
Trailing PE 14.24 | Forward PE 11.68 | Enterprise Value 2117496576 | Price to Sales(TTM) 3.44 |
Enterprise Value 2117496576 | Price to Sales(TTM) 3.44 | ||
Enterprise Value to Revenue 6.04 | Enterprise Value to EBITDA - | Shares Outstanding 45643585 | Shares Floating 44832955 |
Shares Outstanding 45643585 | Shares Floating 44832955 | ||
Percent Insiders 1.81 | Percent Institutions 105.38 |
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 serving middle-market businesses and entrepreneurs in Texas and beyond.
Core Business Areas
- Commercial Banking: Provides lending, treasury management, and other financial services to middle-market businesses, entrepreneurs, and high-net-worth individuals.
- Mortgage Finance: Offers mortgage warehouse lending and correspondent lending services to independent mortgage companies.
- Investment Banking: Capital Markets Services including institutional sales & trading and Equity Capital markets.
Leadership and Structure
Rob C. Holmes serves as President and CEO. The company has a board of directors and operates through various business units.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides term loans, lines of credit, and other financing solutions to businesses. Market share data is not readily available at a granular product level. Competitors include other regional and national commercial banks like JPMorgan Chase, Bank of America, and Comerica.
- Treasury Management Services: Offers cash management, payment processing, and other treasury services. Market share data is not readily available. Competitors include major banks like Wells Fargo, Citibank, and smaller regional banks.
- Mortgage Warehouse Lending: Provides short-term financing to mortgage companies for funding loans. Market share data is not readily available. Competitors include Flagstar Bank, and various specialty finance companies.
Market Dynamics
Industry Overview
The banking industry is currently facing increased interest rate volatility, regulatory changes, and heightened competition from fintech companies. Economic conditions in Texas, particularly related to energy, real estate, and population growth, strongly influence the Company's performance.
Positioning
Texas Capital Bancshares is a strong regional bank focused on the Texas market, offering specialized services and personalized attention to middle-market clients. Its competitive advantages include its local market expertise and strong customer relationships.
Total Addressable Market (TAM)
The TAM for commercial banking in Texas is estimated to be in the hundreds of billions of dollars. Texas Capital Bancshares is positioned to capture a portion of this TAM by focusing on specific industries and customer segments. Market share data is not explicitly broken down.
Upturn SWOT Analysis
Strengths
- Strong presence in the Texas market
- Experienced management team
- Focus on middle-market businesses
- Diversified revenue streams
Weaknesses
- Geographic concentration in Texas
- Sensitivity to economic conditions in Texas
- Reliance on wholesale funding
- Higher cost of funding than larger national banks
Opportunities
- Expansion into new markets
- Increased demand for commercial loans
- Growing population and economy in Texas
- Strategic acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn in Texas
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- CMA
Competitive Landscape
Texas Capital Bancshares competes with larger national banks and other regional banks. It differentiates itself through its focus on the Texas market and its personalized service.
Major Acquisitions
Independent Bank Group
- Year: 2024
- Acquisition Price (USD millions): 27
- Strategic Rationale: Expand branch footprint and enhance market presence in key Texas markets.
Growth Trajectory and Initiatives
Historical Growth: Texas Capital Bancshares has experienced steady growth in assets and revenue over the past decade, driven by organic expansion and acquisitions.
Future Projections: Analyst estimates vary, but generally project continued growth in revenue and earnings, driven by the strong Texas economy and increasing demand for commercial loans.
Recent Initiatives: Recent strategic initiatives include investments in technology and digital banking capabilities.
Summary
Texas Capital Bancshares is a regional bank with a solid foundation in the Texas market. Its strengths lie in its focus on middle-market businesses and its local market expertise. It needs to watch out for increased competition and potential economic downturns in Texas, which could impact its loan portfolio and profitability.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on available estimates and may not be precise. Financial data requires updated actuals.
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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