Texas Capital Bancshares, Inc. (TCBI) Stock

Texas Capital Bancshares, Inc. (TCBI) is a Financials stock trading at $98.07 (as of 2026-08-20), with a market capitalization of $4.28B and a trailing P/E of 11.7. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Texas Capital Bancshares, Inc. is the bank holding company for Texas Capital Bank, providing commercial and consumer financial services. It offers business and consumer deposit accounts and related payment and transfer services, along with commercial and consumer lending across areas such as working capital, real estate and homebuilder finance, mortgage finance, and loans for exploration and production companies.

Understand Texas Capital Bancshares, Inc.: how it makes money

Texas Capital Bancshares is a bank holding company that provides commercial banking, consumer banking, investment banking, and wealth management services, including business deposit products and related account and service integration capabilities, earning money by delivering these financial services to businesses, entrepreneurs, and individual customers.

Profitability is structured around a pre-provision earnings view (pre-provision net revenue style measures), then incorporates provisioning effects before arriving at pre-tax profit, so changes in the provision component can shift the final earnings outcome.

Business quality (Mixed): Limited input on official reportable business segments, with the only provided operating KPI being Quarterly Provision and Pre-Tax Profit Revenue.

Valuation: At 14× earnings, TCBI trades 10% above the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

Pre-provision profitability is a key starting point in the provided disclosures: The dataset includes multiple pre-provision net revenue style measures (for example, Pre-Provision Net Revenue around 0.15B), indicating the company discusses performance before the provision impact.
Provision and pre-tax profit are explicitly tracked: The provided operating KPI focuses on the link between Quarterly Provision and Pre-Tax Profit Revenue, highlighting that investors can monitor how provisioning affects earnings before taxes.

Bear case

Provisioning can directly influence pre-tax profit: Because the operating KPI is tied to Quarterly Provision and Pre-Tax Profit Revenue, adverse changes in provisions can reduce the pathway to pre-tax profit.
No official segment revenue breakdown was provided here: With segments unavailable in the provided data, it is harder for retail investors to attribute performance drivers to specific business lines.

Valuation — source: SEC EDGAR (first-party)
Price	$98.07
Market Cap	$4.28B
P/E Ratio	11.7
EV / EBITDA	2.0
Price / Book	1.17
Price / Sales	2.43
FCF Yield	11.0%
DCF Value (model)	$120.29
DCF Upside vs Price	22.7%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$1.77B
Net Margin	18.6%
Revenue Growth (YoY)	0.1%
EPS Growth (YoY)	16.4%
FCF Growth (YoY)	62.7%

Valuation vs Sector & Industry
Stock P/E	11.7
Sector P/E (Financials)	15.1
Industry P/E (Banking)	12.9
vs Sector	-22.4%
vs Industry	-9.1%

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional Holder	BlackRock, Inc. ($517.29M)
Institutional Holders Tracked	10
Congressional Trades (recent)	3

Company
Sector	Financials
Industry	Banking
CEO	Robert C. Holmes
Employees	1,818
Country	US
IPO Date	2003-08-13

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.