Texas Capital Bancshares

TCBI

Banks - Regional · Financial Services

Price

$98.30

+0.26 (+0.27%)

Market Cap

$4.27B

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Bank Quality

Mixed

Growth

Exceptional

Capital Strength

Exceptional

Asset Quality

Strong

Valuation

Good

Dividends

Weak

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Share count falling — buybacks

−11.1% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 51.1M (2021) → 45.4M (2025)

Winston Score History

The full picture

Texas Capital Bancshares is a regional bank headquartered in Dallas, Texas. It serves middle-market businesses, wealthy individuals, and real estate investors across Texas, offering loans, deposit accounts, treasury management, and investment banking services. It is one of the larger Texas-focused commercial banks, built specifically around the state's fast-growing business economy.

The bank makes money primarily through interest income — charging more on loans than it pays out on deposits — as well as fees from investment banking and other financial services. It operates mainly in Texas, with offices in Dallas, Houston, Austin, San Antonio, and Fort Worth. Its competitive edge comes from deep relationships with Texas-based businesses and a focus on higher-value commercial clients rather than everyday retail banking. The main growth driver is Texas's continued population and business expansion, though rising interest rates or a slowdown in commercial lending activity could pressure profit margins.

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2 Congressional buys and 0 sells on TCBI in the last 12 months.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-10.9% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+12.6% YoY

YoY Growth Rate

Steady EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

2.4%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$32.9B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Texas Capital Bancshares's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Return on owners' money

Return on Equity

8.6%

no trend

Below its cost of capital — 8.6%

Standard mid-range return on equity. Acceptable.

Profit on lending

Net Interest Margin

3.35%

no trend

Healthy — 3.35% net interest margin

Cost of running the bank

Efficiency Ratio

61.9%

no trend

Average — 61.9% efficiency ratio

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Growth

Sales growth

Sales YoY

+9.3%

Steady sales growth (+9.3% YoY)

Profit growth

EPS YoY

+203.9%

Earnings growing fast (+203.9% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

7/8 quarters

Every recent quarter grew earnings vs last year

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Capital Strength

Safety cushion

Capital Ratio

13.2%

no trend

Fortress balance sheet — 13.2% CET1

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid

Non-Performing Loans

0.73%

no trend

Clean loan book — 0.73% non-performing

Below 1% of loans are troubled. Still a healthy, well-run loan book.

Loans written off

Net Charge-Offs

0.28%

no trend

Moderate — 0.28% net charge-offs

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Valuation

Price vs profit

P/E Ratio (TTM)

12.7x

Attractive valuation — P/E 12.7

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

-0.8

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend

Dividend Yield

0.20%

Small dividend — 0.20% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

N/A

—

Data not available

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