Texas Capital Bancshares (TCBI) Stock Price, News & Analysis

Company Overview

Texas Capital Bancshares, Inc. is a financial holding company headquartered in Dallas, Texas, primarily through its subsidiary Texas Capital Bank, National Association. Since its founding in 1998, the company has built a regional commercial bank franchise focused on serving the banking needs of businesses, real estate developers, and professionals across the state. Operating as a national bank, Texas Capital leverages its expertise in commercial lending, deposit services, treasury management, and wealth management to deliver tailored financial solutions to its clients.

Over the years, Texas Capital Bancshares has pursued a strategy of measured growth and select acquisitions to enhance its service offerings and expand its footprint within Texas. The company completed its initial public offering in 2008 and subsequently acquired Independent Financial in 2016, broadening its reach into new markets and deepening its product capabilities. These strategic moves have helped establish the bank as a leading provider of commercial banking services in key Texas markets.

Texas Capital’s product suite spans commercial real estate lending, energy and natural resources financing, healthcare lending, and commercial and industrial loans. The bank also provides deposit and cash management products, digital banking platforms, mortgage and consumer lending, and trust and wealth advisory services. By combining relationship-driven banking with advanced digital tools, the company aims to meet the evolving needs of middle market and large corporate clients, while also serving small businesses and high-net-worth individuals.

Focused on the Texas economy, Texas Capital Bancshares operates branches and specialized lending teams in major metropolitan areas including Dallas–Fort Worth, Houston, Austin, and San Antonio. The company is guided by a board of directors and senior leadership team with deep banking and industry experience. Under the direction of President and Chief Executive Officer Jeff Ferguson, Texas Capital continues to emphasize disciplined credit underwriting, strong risk management, and close client relationships to support its long-term growth objectives.

Key Stats

• Today's Range: $82.10 to $86.31
• 50-Day Range: $67.89 to $85.85
• 52-Week Range: $56.24 to $91.80
• Volume: 381,242 shs
• Average Volume: 459,071 shs
• Market Capitalization: $3.94 billion
• P/E Ratio: 49.34
• Dividend Yield: N/A
• Price Target: $78.86
• Consensus Rating: Hold

Texas Capital Bancshares Stock Analysis - MarketRank™

Texas Capital Bancshares scored higher than 70% of companies evaluated by MarketBeat, and ranked 1258th out of 2,763 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.0 / 5
• Analyst Rating: Hold

Consensus Rating

Texas Capital Bancshares has received a consensus rating of Hold. The company's average rating score is 2.07, and is based on 4 buy ratings, 7 hold ratings, and 3 sell ratings.

Amount of Analyst Coverage

Texas Capital Bancshares has been the subject of 9 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 9.93%

Earnings Growth

Earnings for Texas Capital Bancshares are expected to grow by 9.93% in the coming year, from $5.84 to $6.42 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Texas Capital Bancshares is 49.34, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 25.57.

Price to Earnings Ratio vs. Sector

The P/E ratio of Texas Capital Bancshares is 49.34, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 20.07.

Price to Earnings Growth Ratio

Texas Capital Bancshares has a PEG Ratio of 0.94. PEG Ratios below 1 indicate that a company could be undervalued.

Price to Book Value per Share Ratio

Texas Capital Bancshares has a P/B Ratio of 1.29. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

3.62% of the float of Texas Capital Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Texas Capital Bancshares has a short interest ratio ("days to cover") of 3.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Texas Capital Bancshares has recently decreased by 4.14%, indicating that investor sentiment is improving.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Texas Capital Bancshares does not currently pay a dividend.

Dividend Growth

Texas Capital Bancshares does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

3.62% of the float of Texas Capital Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Texas Capital Bancshares has a short interest ratio ("days to cover") of 3.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Texas Capital Bancshares has recently decreased by 4.14%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.9 / 5
• News Sentiment: 1.26

News Sentiment

Texas Capital Bancshares has a news sentiment score of 1.26. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.67 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 15 news articles for Texas Capital Bancshares this week, compared to 7 articles on an average week.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Texas Capital Bancshares insiders have bought more of their company's stock than they have sold. Specifically, they have bought $1,059,205.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 1.72% of the stock of Texas Capital Bancshares is held by insiders.

Percentage Held by Institutions

96.88% of the stock of Texas Capital Bancshares is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

TCBI Stock Analysis - Frequently Asked Questions

How have TCBI shares performed this year?

Texas Capital Bancshares' stock was trading at $78.20 at the beginning of 2025. Since then, TCBI shares have increased by 9.8% and is now trading at $85.85.

How were Texas Capital Bancshares' earnings last quarter?

Texas Capital Bancshares, Inc. (NASDAQ:TCBI) posted its quarterly earnings data on Thursday, April, 17th. The bank reported $0.92 earnings per share (EPS) for the quarter, missing the consensus estimate of $0.99 by $0.07. The bank earned $280.48 million during the quarter, compared to analyst estimates of $284.40 million. Texas Capital Bancshares had a net margin of 5.04% and a trailing twelve-month return on equity of 9.39%.
Read the conference call transcript.

Does Texas Capital Bancshares have any subsidiaries?

Texas Capital Bancshares subsidiaries include Texas Capital Bank.

Who are Texas Capital Bancshares' major shareholders?

Top institutional investors of Texas Capital Bancshares include Harbor Investment Advisory LLC (0.02%). Insiders that own company stock include Robert W Stallings, Timothy J Storms, Thomas E Long, John W Cummings and John W Cummings.
View institutional ownership trends.

How do I buy shares of Texas Capital Bancshares?

Shares of TCBI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Texas Capital Bancshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Texas Capital Bancshares investors own include American Water Works (AWK), Waste Connections (WCN), DiamondRock Hospitality (DRH), The RMR Group (RMR), AU Optronics (AUOTY), Voyager Therapeutics (VYGR) and iShares Micro-Cap ETF (IWC).

Company Calendar

• Last Earnings: 4/17/2025
• Today: 7/03/2025
• Next Earnings (Estimated): 7/17/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHWEST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:TCBI
• CIK: 1077428
• Web: www.texascapitalbank.com
• Phone: (214) 932-6600
• Fax: 877-839-2738
• Employees: 1,818
• Year Founded: 1998

Price Target and Rating

• Average Stock Price Target: $78.86
• High Stock Price Target: $90.00
• Low Stock Price Target: $60.00
• Potential Upside/Downside: -8.1%
• Consensus Rating: Hold
• Rating Score (0-4): 2.07
• Research Coverage: 14 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.74
• Trailing P/E Ratio: 49.34
• Forward P/E Ratio: 14.70
• P/E Growth: 0.94
• Net Income: $77.51 million
• Net Margins: 5.04%
• Pretax Margin: 6.79%
• Return on Equity: 9.39%
• Return on Assets: 0.92%

Debt

• Debt-to-Equity Ratio: 0.21
• Current Ratio: 1.00
• Quick Ratio: 1.00

Sales & Book Value

• Annual Sales: $1.94 billion
• Price / Sales: 2.03
• Cash Flow: $6.17 per share
• Price / Cash Flow: 13.91
• Book Value: $66.39 per share
• Price / Book: 1.29

Miscellaneous

• Outstanding Shares: 45,900,000
• Free Float: 45,113,000
• Market Cap: $3.94 billion
• Optionable: Optionable
• Beta: 0.66