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Upturn AI SWOT - About
TCBI 
Texas Capital Bancshares Inc (TCBI)
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Upturn Advisory Summary
07/15/2025: 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 $79
1 Year Target Price $79
| 2 | Strong Buy |
| 2 | Buy |
| 6 | Hold |
| 2 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -17.01% | Avg. Invested days 33 | 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 07/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.90B USD | Price to earnings Ratio 48.8 | 1Y Target Price 79 |
Price to earnings Ratio 48.8 | 1Y Target Price 79 | ||
Volume (30-day avg) 13 | Beta 0.64 | 52 Weeks Range 56.24 - 94.61 | Updated Date 07/15/2025 |
52 Weeks Range 56.24 - 94.61 | Updated Date 07/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.74 |
Earnings Date
Report Date 2025-07-17 | When Before Market | Estimate 1.29 | Actual - |
Profitability
Profit Margin 11.04% | Operating Margin (TTM) 24.97% |
Management Effectiveness
Return on Assets (TTM) 0.32% | Return on Equity (TTM) 2.98% |
Valuation
Trailing PE 48.8 | Forward PE 15.97 | Enterprise Value 1596568320 | Price to Sales(TTM) 4.37 |
Enterprise Value 1596568320 | Price to Sales(TTM) 4.37 | ||
Enterprise Value to Revenue 6 | Enterprise Value to EBITDA - | Shares Outstanding 45903400 | Shares Floating 42516629 |
Shares Outstanding 45903400 | Shares Floating 42516629 | ||
Percent Insiders 1.79 | Percent Institutions 104.26 |
Upturn AI SWOT
Texas Capital Bancshares Inc
Company Overview
History and Background
Texas Capital Bancshares, Inc. was founded in 1998 in Dallas, Texas. It has grown through organic expansion and strategic acquisitions, focusing on commercial banking in Texas and beyond.
Core Business Areas
- Commercial Banking: Provides a range of lending, deposit, and treasury management services to middle-market businesses and entrepreneurs.
- Private Wealth Management: Offers wealth management services, including investment management, financial planning, and trust services, to high-net-worth individuals and families.
- Mortgage Finance: Provides mortgage solutions for home buyers.
Leadership and Structure
The leadership team includes Rob C. Holmes (President and CEO) and James R. Huffines (Chairman). The organizational structure consists of business lines and support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, expansion, and acquisitions. No definitive market share data available. Competitors include major national and regional banks such as JPMorgan Chase, Bank of America, and Comerica Bank.
- Treasury Management Services: Cash management solutions for businesses. No definitive market share data available. Competitors include JPMorgan Chase, Bank of America, and Wells Fargo.
- Mortgages: A loan to finance the purchase of real estate. No definitive market share data available. Competitors include JPMorgan Chase, Bank of America, and Wells Fargo.
Market Dynamics
Industry Overview
The banking industry is subject to economic cycles, interest rate fluctuations, and regulatory changes. The Texas market is generally considered to be robust with a growing economy.
Positioning
Texas Capital Bancshares is a regional bank focused on serving businesses and high-net-worth individuals in Texas and other markets. Its competitive advantage lies in its personalized service and local market expertise.
Total Addressable Market (TAM)
The total addressable market for commercial banking in Texas is significant. Texas Capital Bancshares is positioned to capture a share of this market through its focus on relationship banking and specialized services.
Upturn SWOT Analysis
Strengths
- Strong presence in Texas market
- Experienced management team
- Focus on relationship banking
- Diverse revenue streams
Weaknesses
- Geographic concentration in Texas
- Smaller scale compared to national banks
- Exposure to regional economic fluctuations
- Limited International presence
Opportunities
- Expansion into new markets
- Increased demand for commercial loans
- Growth in wealth management services
- Technological innovation
Threats
- Economic downturn in Texas
- Increased competition from larger banks
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
Competitive Landscape
Texas Capital Bancshares competes with larger national banks and regional banks. Its advantage lies in its personalized service and local market expertise, but it faces challenges in terms of scale and resources.
Major Acquisitions
Independent Bank Group
- Year: 2020
- Acquisition Price (USD millions): 275
- Strategic Rationale: Expanded market presence in key Texas markets and added scale to the franchise. (Note: This deal was terminated)
Growth Trajectory and Initiatives
Historical Growth: Texas Capital Bancshares has experienced growth in assets, loans, and deposits over the past years.
Future Projections: Analyst estimates suggest continued growth in revenue and earnings, driven by expansion in Texas and other markets. Simulated Revenue projections: [1000, 1050, 1100]
Recent Initiatives: Recent strategic initiatives include investments in technology, expansion of wealth management services, and focus on niche markets.
Summary
Texas Capital Bancshares is a regional bank with a strong presence in Texas, focused on commercial banking and wealth management. Its strengths include its experienced management and relationship-based approach. However, it faces challenges from larger competitors and economic fluctuations. Continued focus on strategic initiatives and expansion opportunities will be crucial for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Simulated financial data
- Analyst reports
- Company website
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share data is approximate and based on available information. Financial data is simulated and may not reflect actual performance.
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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