What is Texas Capital Bancshares, Inc.'s (TCBI) StockRank?

MoatMap's StockRank for Texas Capital Bancshares, Inc. (TCBI) is 53/100, with a Hold signal. This is a composite score combining Quality (57), Value (37), and Momentum (53) factor ranks across MoatMap's 20,000+ stock universe.

Does Texas Capital Bancshares, Inc. have an economic moat?

Texas Capital Bancshares, Inc. (TCBI) has a Quality factor score of 57/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Texas Capital Bancshares, Inc. a buy, hold, or sell?

MoatMap's current signal for Texas Capital Bancshares, Inc. (TCBI) is Hold, based on a StockRank of 53/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Texas Capital Bancshares, Inc. in?

Texas Capital Bancshares, Inc. (TCBI) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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TCBI

HOLD

Texas Capital Bancshares, Inc. · Financial Services · United States · $4.3B · Avg Vol: $58M/d

StockRank

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P/E (TTM)

14.1x

ROE

10.1%

D/E

0.3x

Dividend %

0.2%

COMPANY DESCRIPTION

Texas Capital Bancshares, Inc. is a bank holding company for Texas Capital Bank, which provides specialized commercial banking services to middle-market businesses and high-net-worth individuals across Texas. The company's competitive moat is derived from its concentrated focus on the robust and growing Texas market, fostering deep relationships with its commercial clientele through tailored financial solutions. Texas Capital Bank is a leading regional institution, recognized for its expertise in commercial lending and treasury management.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	976.8M	1.1B	932.3M	1.3B	8.7%	1.2B	1.3B	1.4B	6.8%
EPS	6.25	3.58	1.29	6.86	3.2%	7.32	7.48	8.35	10.4%
Shares	48.8M	47.2M	46.2M	44.3M	-9.3%	43.7M	—	—	—
Debt	2.1B	2.4B	1.5B	920.6M	-24.4%	919.9M	—	—	—
Equity	3.1B	3.2B	3.4B	3.6B	5.9%	—	—	—	—
Op CF	148.0M	373.7M	480.1M	360.2M	34.5%	447.3M	—	—	—
Inv CF	3.3B	-1.8B	-2.5B	-1.9B	—	—	—	—	—
Fin CF	-6.4B	-387.7M	1.9B	404.3M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)-2.0%

SMA 50SMA 200

$98.71

RSI (14)

42.7

52W High

$108.70

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.1%*40.0

ROE

10.1%53.2

GP/Assets

3.9%N/A

Op. Margin

32.2%50.8

FCF/Assets

1.1%N/A

Piotroski

797.0

Int. Cover

—50.0

D/E Ratio

0.25xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

14.1x44.8

EV/EBITDA

bankN/A

P/FCF

12.4xN/A

P/B

1.4x39.9

P/S

3.6x52.4

Div Yield

0.2%0.7

Momentum

52W High %

91%42.7

RS 6M

-6%40.1

SMA 50/200

1.05x60.1

EPS Rev 4W

+0.1%79.7

EPS Rev 12W

-0.4%47.9

EPS Improve

+14%39.1

Q Growth

57%76.8

FUNDAMENTALS

Market Cap

$4.3B

P/E (Forward)

12.4x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of TCBI are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
TCBI	Texas Capital Bancshares, Inc.(you)	$4.3B	53	HOLD
FFIN	First Financial Bankshares, Inc.	$5.0B	53	HOLD
MCHB	Mechanics Bancorp	$3.5B	53	HOLD
BKU	BankUnited, Inc.	$3.4B	52	HOLD
UCB	United Community Banks, Inc.	$4.2B	59	HOLD
VLYPP	Valley National Bancorp	$3.1B	52	HOLD
NIC	Nicolet Bankshares, Inc.	$3.6B	49	HOLD
BOH	Bank of Hawaii Corporation	$3.3B	55	HOLD
ABCB	Ameris Bancorp	$5.9B	51	HOLD
FBK	FB Financial Corporation	$3.0B	54	HOLD

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

Price	$98.71
Market Cap	$4.3B
P/E (TTM)	14.14
P/E (Forward)	12.37
Price/Book	1.37
Return on Equity	10.1%
Debt/Equity	0.25x
Operating Margin	32.2%
Revenue Growth	16.9%
Dividend Yield	0.2%
Free Cash Flow	$348M