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Upturn AI Summary - About
Texas Capital Bancshares, Inc.(TCBI)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for TCBI
10/26/2026: TCBI (1-star) is currently NOT-A-BUY. Pass it for now.
Texas Capital Bancshares, Inc. is a specialized regional bank focused primarily on the high-growth Texas commercial market. The company is currently executing a significant strategic transformation, dubbed 'Tech Forward,' intended to modernize its digital infrastructure and broaden its advisory services. While this shift offers a clear path toward improved operational efficiency and diversified fee income, the bank remains sensitive to regional economic cycles and interest rate fluctuations. It is best suited for investors seeking exposure to the Texas economy who have a medium-to-long-term time horizon. Investors should monitor the company's success in achieving cost efficiencies and maintaining credit quality as it scales its expanded product suite.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company is in a transformation phase that may yield growth, but it is currently more focused on efficiency and stability. |
| Momentum investor | Weak fit | Momentum investment in regional banks depends on strong sector uptrends, which are currently volatile. |
| Value investor | Strong fit | The bank often trades at valuations that may appeal to value investors looking for regional exposure. |
| Dividend investor | Weak fit | The company does not prioritize high dividend yields, focusing instead on capital reinvestment. |
| Low-risk investor | Weak fit | Banking sector stocks involve inherent interest rate and credit risk that may not suit low-risk profiles. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Regional bank stocks can swing significantly based on macro-economic data and Federal Reserve policy. |
| Valuation risk | Medium | The stock's valuation is sensitive to earnings growth expectations and the general perception of regional bank stability. |
| Competition risk (Banking) | High | The company faces constant pressure from larger national banks and agile regional competitors. |
| Business quality | Medium | While the company has a strong niche, it is continuing to refine its operational model to build a durable, high-quality franchise. |
| Dividend income | Low | This stock is not typically held for significant dividend income compared to other sectors. |
| Execution risk | Medium | Successful implementation of the bank's long-term strategic plan is critical to improving profitability and market standing. |
Price Behavior
Flat / Range-Bound
The stock price has been trading within a narrow range with minimal directional movement.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -16.51% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/26/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.42B USD | Price to earnings Ratio 13.06 | 1Y Target Price 105.38 |
Price to earnings Ratio 13.06 | 1Y Target Price 105.38 | ||
Volume (30-day avg) 616.5K shares | Beta 0.63 | 52 Weeks Range 80.94 - 108.48 | Updated Date 10/26/2026 |
52 Weeks Range 80.94 - 108.48 | Updated Date 10/26/2026 | ||
Dividends yield (FY) 0.39% | Basic EPS (TTM) 7.78 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and private loans, minus interest paid on deposits and borrowings. | This is the primary way the bank makes money—by charging more for loans than it pays for the money it keeps in customer accounts. |
| Fee-Based Banking | Treasury management fees, wealth management advisory fees, and investment banking services. | These are recurring fees for providing specialized financial services, which help diversify income beyond just loan interest. |
Earnings Date
Report Date 2026-10-28 | When - | Estimate 1.94 | Actual 2.35 |
Profitability
Profit Margin 28.33% | Operating Margin (TTM) 41.5% |
Management Effectiveness
Return on Assets (TTM) 1.12% | Return on Equity (TTM) 10.19% |
Valuation
Trailing PE 13.06 | Forward PE 12.5 | Enterprise Value 2.68B | Price to Sales(TTM) 3.45 |
Enterprise Value 2.68B | Price to Sales(TTM) 3.45 | ||
Enterprise Value to Revenue 3.89 | Enterprise Value to EBITDA - | Shares Outstanding 43.47M | Shares Floating 39.08M |
Shares Outstanding 43.47M | Shares Floating 39.08M | ||
Percent Insiders 2.09 | Percent Institutions 113.24 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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