Texas Capital Bancshares, Inc.

NasdaqGS:TCBI Stock Report

Market Cap: US$4.4b

Texas Capital Bancshares Valuation

Is TCBI undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Future Cash Flow Value

  • Significantly Below Future Cash Flow Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Future Cash Flow Value

What is the Fair Price of TCBI when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Ultimate guide to DCF valuation for stock investing

Learn how to determine fair value like the best investors in the world.

Below Future Cash Flow Value: TCBI ($101.38) is trading below our estimate of future cash flow value ($156.54)

Significantly Below Future Cash Flow Value: TCBI is trading below future cash flow value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for TCBI?

Key metric: As TCBI is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for TCBI. This is calculated by dividing TCBI's market cap by their current earnings.
What is TCBI's PE Ratio?
PE Ratio13x
EarningsUS$339.74m
Market CapUS$4.40b

Price to Earnings Ratio vs Peers

How does TCBI's PE Ratio compare to its peers?

The above table shows the PE ratio for TCBI vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average20.1x
IBOC International Bancshares
10.8x1.90%US$4.5b
TFSL TFS Financial
45.8x4.35%US$4.2b
FINN First National of Nebraska
12.5xn/aUS$4.9b
CATY Cathay General Bancorp
11.4x7.78%US$3.8b
TCBI Texas Capital Bancshares
13x4.87%US$4.4b

Price-To-Earnings vs Peers: TCBI is good value based on its Price-To-Earnings Ratio (13x) compared to the peer average (20.1x).

Historical Price to Earnings Ratio

Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Earnings Ratio vs Industry

How does TCBI's PE Ratio compare vs other companies in the US Banks Industry?

5 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
OCNB Oconomowoc Bancshares
0.7xn/aUS$10.72m
SBNY Signature Bank
0.002xn/aUS$2.18m
PEBC Peoples Bancorp
0.2xn/aUS$779.94k
TCBI 13.0xIndustry Avg. 11.4xNo. of Companies114PE0612182430+
5 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: TCBI is expensive based on its Price-To-Earnings Ratio (13x) compared to the US Banks industry average (11.4x).

Price to Earnings Ratio vs Fair Ratio

What is TCBI's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

TCBI PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio13x
Fair PE Ratio11.6x

Price-To-Earnings vs Fair Ratio: TCBI is expensive based on its Price-To-Earnings Ratio (13x) compared to the estimated Fair Price-To-Earnings Ratio (11.6x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst TCBI forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$101.38
US$107.38
+5.92%
5.44%US$116.00US$96.00n/a13
Apr ’27US$95.82
US$104.71
+9.28%
6.92%US$115.00US$88.00n/a14
Mar ’27US$95.30
US$105.79
+11.00%
6.70%US$115.00US$88.00n/a14
Feb ’27US$101.17
US$105.62
+4.39%
6.93%US$115.00US$88.00n/a13
Jan ’27US$90.54
US$96.79
+6.90%
8.84%US$111.00US$75.00n/a14
Dec ’26US$91.41
US$93.64
+2.44%
7.48%US$102.00US$75.00n/a14
Nov ’26US$83.84
US$92.57
+10.41%
7.61%US$102.00US$75.00n/a14
Oct ’26US$83.88
US$92.07
+9.77%
7.59%US$102.00US$79.00n/a14
Sep ’26US$86.57
US$91.62
+5.83%
7.69%US$102.00US$79.00n/a13
Aug ’26US$80.92
US$92.00
+13.69%
7.70%US$102.00US$79.00n/a13
Jul ’26US$82.60
US$79.00
-4.36%
8.48%US$90.00US$69.00n/a13
Jun ’26US$71.69
US$77.23
+7.73%
9.74%US$90.00US$63.00n/a13
May ’26US$68.75
US$77.00
+12.00%
10.12%US$90.00US$63.00US$101.3812
Apr ’26US$74.36
US$83.92
+12.86%
8.86%US$97.00US$70.00US$95.8213
Mar ’26US$79.16
US$85.15
+7.57%
8.87%US$97.00US$70.00US$95.3013
Feb ’26US$78.95
US$85.15
+7.86%
8.87%US$97.00US$70.00US$101.1713
Jan ’26US$78.20
US$86.62
+10.76%
10.67%US$102.00US$70.00US$90.5413
Dec ’25US$88.45
US$82.38
-6.86%
11.02%US$98.00US$60.00US$91.4113
Nov ’25US$76.80
US$81.43
+6.03%
9.59%US$92.00US$60.00US$83.8414
Oct ’25US$70.42
US$72.57
+3.06%
10.85%US$80.00US$49.00US$83.8814
Sep ’25US$67.22
US$65.57
-2.45%
12.33%US$75.00US$47.00US$86.5714
Aug ’25US$63.44
US$65.57
+3.36%
12.33%US$75.00US$47.00US$80.9214
Jul ’25US$60.66
US$63.18
+4.15%
11.77%US$74.00US$47.00US$82.6014
Jun ’25US$60.28
US$63.18
+4.81%
11.75%US$74.00US$47.00US$71.6914
May ’25US$58.37
US$63.04
+7.99%
11.66%US$74.00US$47.00US$68.7514
US$107.38
Fair Value
5.6% undervalued intrinsic discount
13
Number of Analysts

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/05/01 12:27
End of Day Share Price 2026/05/01 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Texas Capital Bancshares, Inc. is covered by 25 analysts. 11 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Jason GoldbergBarclays
Jared David ShawBarclays
Brandon BermanBofA Global Research