Texas Capital

Texas Capital earned $1.28 a share in 2024, yet your stock still costs $98.01.

If you own TCBI, you need to know the stock is pricing in a rebound.

tcbi

financials mid cap updated jan 30, 2026
$98.01
market cap ~$4B · 52-week range $59–$109
xvary composite: 58 / 100 · below average
our overall rating — combines growth, value, risk, and momentum
Start here if you're new
what it is
Texas Capital is a Texas bank that sells loans, deposits, deal advice, and wealth services to businesses and wealthy customers.
how it gets paid
Last year Texas Capital made $1.8B in revenue. commercial banking was the main engine at $0.86B, or 48% of sales.
why it's growing
Revenue grew 2.4% last year. That is the clean contrast in this story: annual revenue was $1.8B for the year.
what just happened
Revenue hit $1.3B, up 188% vs. prior year, while EPS reached $4.67.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
30/100 earnings predictability — expect surprises
16.0x trailing p/e — the market's not buying it — or you found a deal
$1.28 fy2024 eps est
$6M fy2024 rev est
xvary composite: 58/100 — below average
What they do
Texas Capital is a Texas bank that sells loans, deposits, deal advice, and wealth services to businesses and wealthy customers.
Texas Capital wins by being the Texas bank you can use for several jobs at once: commercial banking, investment banking, and wealth management under one roof. For you, that means fewer banking relationships to juggle and fewer openings for a rival to pry you away. It does this with 1,818 employees, which gives it enough local reach to matter without trying to be a national megabank.
financials mid-cap regional-bank texas-exposure relationship-banking
How they make money
$1.8B annual revenue · their business grew +2.4% last year
commercial banking
$0.86B
+4.0%
consumer banking
$0.32B
+1.5%
investment banking
$0.24B
+12.0%
wealth management and trust
$0.18B
+6.0%
treasury and payments
$0.20B
+3.0%
The products that matter
lends to middle-market businesses
Commercial Banking
$1.4B net interest income engine
It ties to the roughly 78% of revenue that comes from lending spreads. That is the business.
core driver
gathers deposits and fees
Consumer Banking
$396M noninterest income
It helps fund the loan book, but fee income is still only about 22% of revenue and 18% of total mix on the current page data.
funding base
Key numbers
$1.28
2024 EPS
This is what Texas Capital earned per share in 2024. Plain English: the business produced very little profit for a $98.01 stock, so you are paying for recovery.
$660M
long-term debt
That equals 14% of capital. Plain English: leverage exists, but it is still the calmer number in a bank story built on shaky earnings.
16.0x
trailing p/e
P/E -> price-to-earnings ratio -> so what: you are paying 16 times trailing earnings even after EPS fell from $6.18 in 2022 to $1.28 in 2024.
$1.8B
annual revenue
Revenue grew 2.4% vs. prior year. Plain English: the top line moved up, but profit did not keep up.
Financial health
B++
strength
  • balance sheet grade B++ — above average financial health
  • risk rank 3 — safer than 50% of stocks
  • price stability 50 / 100
  • long-term debt $660M (14% of capital)
B++ — functional but not a standout on the balance sheet.
Total return vs. market

Return history isn't available for TCBI right now.

same standard. no invented return math.

source: institutional data · return history unavailable
What just happened
beat estimates
Revenue hit $1.3B, up 188% vs. prior year, while EPS reached $4.67.
That is the clean contrast in this story: annual revenue was $1.8B for the year, and one quarter alone came in at $1.3B. The business is showing sharp near-term momentum, but the full-year EPS history is still messy.
$1.3B
revenue
$4.67
eps
188%
revenue growth
the number that mattered
The number that mattered was 188% revenue growth, because it shows how sharp the rebound looks against a weak prior base.
source: company earnings report, 2026

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What could go wrong

your #1 risk is Texas credit concentration. One-state exposure sounds fine until that one state slows.

∘
med
Premium valuation compression
TCBI trades at 16.0x trailing earnings versus an 11.9x industry average shown on this page. If growth falls back toward ordinary regional-bank levels, the premium can disappear before the business does.
TCBI trades at 16.0x trailing earnings versus an 11.9x industry average shown on this page. If growth falls back toward ordinary regional-bank levels, the premium can disappear before the business does.
∘
med
Texas economic concentration
The bank operates in Texas. That means 100% of the loan book and franchise story are tied to one state's business cycle, not a national one.
The bank operates in Texas. That means 100% of the loan book and franchise story are tied to one state's business cycle, not a national one.
∘
med
Rate and funding sensitivity
Net interest income is $1.4B, or about 78% of revenue. When deposit costs move the wrong way, most of the earnings engine moves with them.
Net interest income is $1.4B, or about 78% of revenue. When deposit costs move the wrong way, most of the earnings engine moves with them.
~
low
Execution still has to catch up to the story
Noninterest income is $396M and earnings predictability is 30/100. If middle-market expansion does not make the business more consistent, investors will stop paying up for it.
Noninterest income is $396M and earnings predictability is 30/100. If middle-market expansion does not make the business more consistent, investors will stop paying up for it.
You own a $4B regional bank whose premium multiple rests on one geography and a lending-heavy revenue mix.
source: institutional data · regulatory filings · risk analysis
Pay attention to
valuation
the premium has to earn itself
TCBI trades around 16.0x earnings versus an 11.9x industry average. If revenue stays near the current 2.4% annual estimate, the market will eventually ask why.
credit
any crack in Texas shows up fast
This is a one-state franchise. Regional banks look diversified until the region itself becomes the problem.
catalyst
next earnings print
After a 15.4% quarterly sales gain, the next report has to show this was not a one-quarter cameo.
sentiment
positive outlook vs. real improvement
S&P turned positive on jan 27, 2026 and three firms raised targets in january. Watch whether sentiment becomes cheaper funding and steadier earnings.
Analyst rankings
earnings predictability
30 / 100
in human-speak, this is not the kind of bank you buy for smooth quarterly numbers.
valuation context
16.0x vs 11.9x
the street is paying a premium versus the industry average. That only holds if the better growth story keeps showing up in the numbers.
source: institutional data
Institutional activity

institutional ownership data for TCBI is being compiled.

source: institutional data
source: institutional data
Price targets
3-5 year target range
n/a n/a
$98 current price
n/a target midpoint · n/a from current
target data not available

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