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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.12
NAS:TCBI's Cash to Debt is ranked lower than
60% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.13 vs. NAS:TCBI: 1.12 )
Ranked among companies with meaningful Cash to Debt only.
NAS:TCBI' s Cash to Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.6 Max: N/A
Current: 1.12
Equity to Asset 0.08
NAS:TCBI's Equity to Asset is ranked lower than
72% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:TCBI: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
NAS:TCBI' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.13
Current: 0.08
0.07
0.13
Interest Coverage 3.84
NAS:TCBI's Interest Coverage is ranked higher than
73% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. NAS:TCBI: 3.84 )
Ranked among companies with meaningful Interest Coverage only.
NAS:TCBI' s Interest Coverage Range Over the Past 10 Years
Min: 0.32  Med: 3.17 Max: 8.74
Current: 3.84
0.32
8.74
F-Score: 2
M-Score: -2.29
WACC vs ROIC
10.30%
9.89%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 33.20
NAS:TCBI's Operating margin (%) is ranked higher than
56% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.84 vs. NAS:TCBI: 33.20 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:TCBI' s Operating margin (%) Range Over the Past 10 Years
Min: 16.33  Med: 33.97 Max: 44.9
Current: 33.2
16.33
44.9
Net-margin (%) 21.43
NAS:TCBI's Net-margin (%) is ranked lower than
53% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.27 vs. NAS:TCBI: 21.43 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:TCBI' s Net-margin (%) Range Over the Past 10 Years
Min: 10.69  Med: 22.06 Max: 28.74
Current: 21.43
10.69
28.74
ROE (%) 7.79
NAS:TCBI's ROE (%) is ranked lower than
54% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.34 vs. NAS:TCBI: 7.79 )
Ranked among companies with meaningful ROE (%) only.
NAS:TCBI' s ROE (%) Range Over the Past 10 Years
Min: 4.32  Med: 10.27 Max: 16.61
Current: 7.79
4.32
16.61
ROA (%) 0.70
NAS:TCBI's ROA (%) is ranked lower than
62% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. NAS:TCBI: 0.70 )
Ranked among companies with meaningful ROA (%) only.
NAS:TCBI' s ROA (%) Range Over the Past 10 Years
Min: 0.45  Med: 0.85 Max: 1.29
Current: 0.7
0.45
1.29
Revenue Growth (3Y)(%) 7.60
NAS:TCBI's Revenue Growth (3Y)(%) is ranked higher than
69% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. NAS:TCBI: 7.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:TCBI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 6.9  Med: 15.6 Max: 86.3
Current: 7.6
6.9
86.3
EBITDA Growth (3Y)(%) 1.70
NAS:TCBI's EBITDA Growth (3Y)(%) is ranked lower than
64% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. NAS:TCBI: 1.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:TCBI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -12.1  Med: 15.8 Max: 55.9
Current: 1.7
-12.1
55.9
EPS Growth (3Y)(%) -1.00
NAS:TCBI's EPS Growth (3Y)(%) is ranked lower than
72% of the 1213 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. NAS:TCBI: -1.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS:TCBI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -20.6  Med: 19.1 Max: 76
Current: -1
-20.6
76
» NAS:TCBI's 10-Y Financials

Financials (Next Earnings Date: 2016-10-20)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q3 2015

TCBI Guru Trades in Q3 2015

Jim Simons 156,200 sh (New)
Keeley Asset Management Corp 828,323 sh (+6.42%)
Ken Fisher 744,441 sh (-2.64%)
Barrow, Hanley, Mewhinney & Strauss 1,728,292 sh (-3.97%)
Mariko Gordon 1,067,318 sh (-28.12%)
» More
Q4 2015

TCBI Guru Trades in Q4 2015

Paul Tudor Jones 7,034 sh (New)
Jim Simons Sold Out
Mariko Gordon 1,059,861 sh (-0.70%)
Barrow, Hanley, Mewhinney & Strauss 1,714,619 sh (-0.79%)
Ken Fisher 715,340 sh (-3.91%)
Keeley Asset Management Corp 704,161 sh (-14.99%)
» More
Q1 2016

TCBI Guru Trades in Q1 2016

David Dreman 238 sh (New)
Joel Greenblatt 6,875 sh (New)
Mariko Gordon 1,108,798 sh (+4.62%)
Keeley Asset Management Corp Sold Out
Paul Tudor Jones Sold Out
Ken Fisher 710,415 sh (-0.69%)
Barrow, Hanley, Mewhinney & Strauss 1,657,919 sh (-3.31%)
» More
Q2 2016

TCBI Guru Trades in Q2 2016

David Dreman 238 sh (unchged)
Joel Greenblatt Sold Out
Ken Fisher 710,212 sh (-0.03%)
Barrow, Hanley, Mewhinney & Strauss 1,639,439 sh (-1.11%)
Mariko Gordon 1,095,472 sh (-1.20%)
» More
» Details

Insider Trades

Latest Guru Trades with TCBI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Preferred stocks of Texas Capital Bancshares Inc

SymbolPriceYieldDescription
TCBIP26.246.19

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:HBHC, NYSE:TCB, NAS:CATY, NAS:FULT, NYSE:VLY, NAS:PNFP, NYSE:FNB, NAS:FFIN, NYSE:EVER, NYSE:STL, NYSE:BXS, NAS:IBKC, NAS:GBCI, NAS:MBFI, NAS:WTFC, NYSE:CBU, NAS:UBSI, NAS:UMBF, NYSE:ASB, OTCPK:FCNCB » details
Traded in other countries:TCA.Germany,
Texas Capital Bancshares Inc is a registered bank holding company and a financial holding company. It provides commercial banking services to its customers in Texas.

Texas Capital Bancshares Inc was incorporated in November 1996 in Delaware. The Bank is a registered bank holding Company and a financial holding Company and is the parent of Texas Capital Bank, National Association. The Company offers personalized financial services to businesses and individual clients. It has service locations in Austin, Dallas, Fort Worth, Houston and San Antonio. The Company targets its lending to middle market businesses and successful professionals and entrepreneurs that meet its credit standards. The credit standards are set by the Banks standing Credit Policy Committee with the assistance of Bank's Chief Credit and Risk Officer. It offers deposit products to its customers at competitive interest rates. The deposit products include commercial checking accounts, lockbox accounts, cash concentration accounts, and other treasury management services, including an on-line system. The treasury management on-line system offers information services, wire transfer initiation, ACH initiation, account transfer, and service integration. The consumer deposit products include checking accounts, savings accounts, money market accounts and certificates of deposit. The Company's wealth management and trust service include investment management, personal trust and estate services, custodial services, retirement accounts and related services. The Company also offers retirement products such as individual retirement accounts and administrative services for retirement vehicles such as pension and profit sharing plans. The Company offers products and services to its business customers like commercial loans for general corporate purposes including financing for working capital, internal growth, acquisitions and financing for business insurance premiums; real estate term and construction loans; mortgage finance lending; equipment leasing; treasury management services; wealth management and trust services; and letters of credit. For individual customers the company provides complete banking services including personal wealth management and trust services; certificates of deposit; interest bearing and non-interest bearing checking accounts with optional features such as Visa debit/ATM cards and overdraft protection; traditional money market and savings accounts; loans, both secured and unsecured; and internet banking. The Company competes with providers of financial services, such as savings and loan associations, credit unions, consumer finance companies, securities firms, insurance companies, commercial finance and leasing companies, full service brokerage firms and discount brokerage firms. The Company's operations are subject to federal banking laws and regulations that impose specific requirements on and provide regulatory oversight of virtually all aspects of its operations.

Ratios

vs
industry
vs
history
P/E(ttm) 20.19
TCBI's P/E(ttm) is ranked lower than
78% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.26 vs. TCBI: 20.19 )
Ranked among companies with meaningful P/E(ttm) only.
TCBI' s P/E(ttm) Range Over the Past 10 Years
Min: 9.51  Med: 18.27 Max: 35.94
Current: 20.19
9.51
35.94
Forward P/E 14.93
TCBI's Forward P/E is ranked lower than
76% of the 369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.63 vs. TCBI: 14.93 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 20.19
TCBI's PE(NRI) is ranked lower than
78% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.28 vs. TCBI: 20.19 )
Ranked among companies with meaningful PE(NRI) only.
TCBI' s PE(NRI) Range Over the Past 10 Years
Min: 9.13  Med: 18.17 Max: 35.53
Current: 20.19
9.13
35.53
Price/Owner Earnings (ttm) 34.56
TCBI's Price/Owner Earnings (ttm) is ranked lower than
89% of the 859 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.81 vs. TCBI: 34.56 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
TCBI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.46  Med: 21.83 Max: 68.92
Current: 34.56
3.46
68.92
P/B 1.64
TCBI's P/B is ranked lower than
81% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. TCBI: 1.64 )
Ranked among companies with meaningful P/B only.
TCBI' s P/B Range Over the Past 10 Years
Min: 0.54  Med: 1.81 Max: 2.93
Current: 1.64
0.54
2.93
P/S 4.02
TCBI's P/S is ranked lower than
70% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. TCBI: 4.02 )
Ranked among companies with meaningful P/S only.
TCBI' s P/S Range Over the Past 10 Years
Min: 1.09  Med: 3.81 Max: 5.8
Current: 4.02
1.09
5.8
EV-to-EBIT 11.38
TCBI's EV-to-EBIT is ranked higher than
56% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. TCBI: 11.38 )
Ranked among companies with meaningful EV-to-EBIT only.
TCBI' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.1  Med: 16.35 Max: 46.2
Current: 11.38
5.1
46.2
EV-to-EBITDA 10.45
TCBI's EV-to-EBITDA is ranked higher than
56% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. TCBI: 10.45 )
Ranked among companies with meaningful EV-to-EBITDA only.
TCBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.7  Med: 14.7 Max: 37.8
Current: 10.45
4.7
37.8
PEG 0.94
TCBI's PEG is ranked higher than
59% of the 740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. TCBI: 0.94 )
Ranked among companies with meaningful PEG only.
TCBI' s PEG Range Over the Past 10 Years
Min: 0.36  Med: 0.8 Max: 32.17
Current: 0.94
0.36
32.17
Shiller P/E 27.59
TCBI's Shiller P/E is ranked lower than
78% of the 494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.76 vs. TCBI: 27.59 )
Ranked among companies with meaningful Shiller P/E only.
TCBI' s Shiller P/E Range Over the Past 10 Years
Min: 17.41  Med: 30.88 Max: 41.74
Current: 27.59
17.41
41.74

Buy Back

vs
industry
vs
history
Yield on cost (5-Year) 1.82
TCBI's Yield on cost (5-Year) is ranked lower than
75% of the 2538 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. TCBI: 1.82 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
TCBI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.71  Med: 1.64 Max: 2.31
Current: 1.82
0.71
2.31
3-Year Average Share Buyback Ratio -4.00
TCBI's 3-Year Average Share Buyback Ratio is ranked lower than
58% of the 1052 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. TCBI: -4.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
TCBI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -41.9  Med: -6.8 Max: -1.2
Current: -4
-41.9
-1.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.68
TCBI's Price/Tangible Book is ranked lower than
74% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. TCBI: 1.68 )
Ranked among companies with meaningful Price/Tangible Book only.
TCBI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.89  Med: 2.07 Max: 2.95
Current: 1.68
0.89
2.95
Price/Projected FCF 1.27
TCBI's Price/Projected FCF is ranked lower than
87% of the 831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. TCBI: 1.27 )
Ranked among companies with meaningful Price/Projected FCF only.
TCBI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.64  Med: 2.87 Max: 10.56
Current: 1.27
0.64
10.56
Price/Median PS Value 1.05
TCBI's Price/Median PS Value is ranked higher than
53% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. TCBI: 1.05 )
Ranked among companies with meaningful Price/Median PS Value only.
TCBI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.46  Med: 1.04 Max: 1.8
Current: 1.05
0.46
1.8
Price/Peter Lynch Fair Value 1.73
TCBI's Price/Peter Lynch Fair Value is ranked lower than
79% of the 385 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. TCBI: 1.73 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
TCBI' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.52  Med: 0.9 Max: 4.86
Current: 1.73
0.52
4.86
Price/Graham Number 1.22
TCBI's Price/Graham Number is ranked lower than
78% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. TCBI: 1.22 )
Ranked among companies with meaningful Price/Graham Number only.
TCBI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.76  Med: 1.27 Max: 1.89
Current: 1.22
0.76
1.89
Earnings Yield (Greenblatt) (%) 8.80
TCBI's Earnings Yield (Greenblatt) (%) is ranked higher than
67% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. TCBI: 8.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
TCBI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.2  Med: 6.1 Max: 19.5
Current: 8.8
2.2
19.5
Forward Rate of Return (Yacktman) (%) 11.44
TCBI's Forward Rate of Return (Yacktman) (%) is ranked lower than
51% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. TCBI: 11.44 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
TCBI' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -32  Med: 7.05 Max: 40.6
Current: 11.44
-32
40.6

More Statistics

Revenue (TTM) (Mil) $634.0
EPS (TTM) $ 2.72
Beta1.93
Short Percentage of Float7.61%
52-Week Range $29.78 - 61.83
Shares Outstanding (Mil)45.96

Analyst Estimate

Dec16 Dec17
Revenue (Mil $) 688 778
EPS ($) 3.03 3.66
EPS w/o NRI ($) 3.03 3.66
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for NAS:TCBI

Headlines

Articles On GuruFocus.com
Keeley All-Cap Value Fund Comments on Texas Capital Bancshares Sep 17 2015 
Keeley All-Cap Value Fund Second Quarter 2015 Commentary Sep 16 2015 
Mariko Gordon's Highest-Performing Stocks Jul 28 2015 
Mariko Gordon's Trades In Q1 2015 Jun 12 2015 
John Keeley Adds Four New Positions During 1Q2015 May 15 2015 
Weekly CEO Buys Highlight: OPK, TCBI, SWN, EGBN, AZZ Jan 28 2015 
James Barrow Wheels and Deals in Third Quarter Nov 13 2014 
Who Is Mariko Gordon? A Guru to Follow Aug 30 2013 
Texas Capital Bancshares Inc. (TCBI) CEO George F Jr Jones sells 16,255 Shares Feb 03 2011 
Texas Capital Bancshares Inc. (TCBI) CEO George F Jr Jones sells 10,000 Shares Oct 26 2010 

More From Other Websites
TCBI ANNOUNCES OPERATING RESULTS FOR Q2 2016 Sep 26 2016
TEXAS CAPITAL BANK EXPANDS SAN ANTONIO PRIVATE WEALTH ADVISORS TEAM Sep 26 2016
TCBI ANNOUNCES DATE FOR Q2 2016 RESULTS Sep 26 2016
Texas Capital Bancshares, Inc. Announces Date for Q3 2016 Results Sep 20 2016
TEXAS CAPITAL BANK EXPANDS SAN ANTONIO PRIVATE WEALTH ADVISORS TEAM Sep 16 2016
Texas Capital Bank Expands San Antonio Private Wealth Advisors Team Sep 16 2016
TCBI ANNOUNCES DATE FOR Q2 2016 RESULTS Sep 08 2016
TCBI ANNOUNCES OPERATING RESULTS FOR Q2 2016 Sep 08 2016
ETF’s with exposure to Texas Capital Bancshares, Inc. : September 6, 2016 Sep 06 2016
Texas Capital Poised for Organic Growth, Margin Woes Linger Sep 01 2016
Texas Capital Bank Hires New Fort Worth Chairman and President Aug 15 2016
TEXAS CAPITAL BANK HIRES NEW FORT WORTH CHAIRMAN AND PRESIDENT Aug 15 2016
Texas Capital Bank Hires New Fort Worth Chairman and President Aug 15 2016
ETF’s with exposure to Texas Capital Bancshares, Inc. : August 4, 2016 Aug 04 2016
Texas Capital Bancshares, Inc. breached its 50 day moving average in a Bearish Manner : TCBI-US :... Aug 02 2016
TEXAS CAPITAL BANCSHARES INC/TX Financials Jul 27 2016
Texas Capital Bank Hires Asset Based Lending Team Jul 25 2016
Texas Capital Bancshares, Inc. Announces Quarterly Dividend for Preferred Stock Jul 25 2016
Texas Capital Bancshares, Inc. :TCBI-US: Earnings Analysis: Q2, 2016 By the Numbers : July 22, 2016 Jul 22 2016
TEXAS CAPITAL BANCSHARES INC/TX Files SEC form 10-Q, Quarterly Report Jul 21 2016

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