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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 0.80
TCBI's Cash to Debt is ranked lower than
57% of the 983 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.38 vs. TCBI: 0.80 )
Ranked among companies with meaningful Cash to Debt only.
TCBI' s 10-Year Cash to Debt Range
Min: 0.06  Med: 0.58 Max: N/A
Current: 0.8
Equity to Asset 0.09
TCBI's Equity to Asset is ranked lower than
62% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. TCBI: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
TCBI' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.08 Max: 0.13
Current: 0.09
0.07
0.13
Interest Coverage 5.65
TCBI's Interest Coverage is ranked higher than
83% of the 1269 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. TCBI: 5.65 )
Ranked among companies with meaningful Interest Coverage only.
TCBI' s 10-Year Interest Coverage Range
Min: 0.32  Med: 0.79 Max: 8.74
Current: 5.65
0.32
8.74
F-Score: 3
WACC vs ROIC
6.62%
7.40%
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 (%) 40.17
TCBI's Operating margin (%) is ranked higher than
72% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.31 vs. TCBI: 40.17 )
Ranked among companies with meaningful Operating margin (%) only.
TCBI' s 10-Year Operating margin (%) Range
Min: -487.98  Med: 25.75 Max: 44.91
Current: 40.17
-487.98
44.91
Net-margin (%) 25.80
TCBI's Net-margin (%) is ranked higher than
62% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.02 vs. TCBI: 25.80 )
Ranked among companies with meaningful Net-margin (%) only.
TCBI' s 10-Year Net-margin (%) Range
Min: -305.35  Med: 21.53 Max: 49.76
Current: 25.8
-305.35
49.76
ROE (%) 9.69
TCBI's ROE (%) is ranked higher than
59% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. TCBI: 9.69 )
Ranked among companies with meaningful ROE (%) only.
TCBI' s 10-Year ROE (%) Range
Min: -20.74  Med: 9.81 Max: 16.61
Current: 9.69
-20.74
16.61
ROA (%) 0.94
TCBI's ROA (%) is ranked higher than
55% of the 1432 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. TCBI: 0.94 )
Ranked among companies with meaningful ROA (%) only.
TCBI' s 10-Year ROA (%) Range
Min: -2.51  Med: 0.74 Max: 1.29
Current: 0.94
-2.51
1.29
Revenue Growth (3Y)(%) 10.60
TCBI's Revenue Growth (3Y)(%) is ranked higher than
78% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. TCBI: 10.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
TCBI' s 10-Year Revenue Growth (3Y)(%) Range
Min: 7  Med: 15.80 Max: 86.9
Current: 10.6
7
86.9
EBITDA Growth (3Y)(%) 16.90
TCBI's EBITDA Growth (3Y)(%) is ranked higher than
73% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. TCBI: 16.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
TCBI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -12  Med: 19.90 Max: 55.9
Current: 16.9
-12
55.9
EPS Growth (3Y)(%) 13.10
TCBI's EPS Growth (3Y)(%) is ranked higher than
58% of the 1065 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.70 vs. TCBI: 13.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
TCBI' s 10-Year EPS Growth (3Y)(%) Range
Min: -20.6  Med: 22.40 Max: 76.2
Current: 13.1
-20.6
76.2
» TCBI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

TCBI Guru Trades in Q3 2014

James Barrow 750,061 sh (New)
Ken Fisher 806,275 sh (+1.89%)
Mariko Gordon 1,201,157 sh (-0.68%)
NWQ Managers 834,151 sh (-1.38%)
Jim Simons 67,527 sh (-71.93%)
» More
Q4 2014

TCBI Guru Trades in Q4 2014

James Barrow 1,289,736 sh (+71.95%)
Mariko Gordon 1,267,196 sh (+5.50%)
Jim Simons Sold Out
NWQ Managers Sold Out
Ken Fisher 797,390 sh (-1.10%)
» More
Q1 2015

TCBI Guru Trades in Q1 2015

John Keeley 473,280 sh (New)
Jim Simons 68,700 sh (New)
James Barrow 1,814,486 sh (+40.69%)
Mariko Gordon 1,603,667 sh (+26.55%)
Ken Fisher 779,565 sh (-2.24%)
» More
Q2 2015

TCBI Guru Trades in Q2 2015

John Keeley 778,350 sh (+64.46%)
Jim Simons Sold Out
James Barrow 1,799,741 sh (-0.81%)
Ken Fisher 764,605 sh (-1.92%)
Mariko Gordon 1,484,862 sh (-7.41%)
» 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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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Texas Capital Bancshares Inc

SymbolPriceYieldDescription
TCBIP25.296.43

Ratios

vs
industry
vs
history
P/E(ttm) 17.55
TCBI's P/E(ttm) is ranked lower than
69% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. TCBI: 17.55 )
Ranked among companies with meaningful P/E(ttm) only.
TCBI' s 10-Year P/E(ttm) Range
Min: 9.4  Med: 18.94 Max: 35.83
Current: 17.55
9.4
35.83
Forward P/E 13.93
TCBI's Forward P/E is ranked lower than
69% of the 718 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.82 vs. TCBI: 13.93 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.00
TCBI's PE(NRI) is ranked lower than
69% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. TCBI: 17.00 )
Ranked among companies with meaningful PE(NRI) only.
TCBI' s 10-Year PE(NRI) Range
Min: 9.01  Med: 18.95 Max: 35.53
Current: 17
9.01
35.53
P/B 1.72
TCBI's P/B is ranked lower than
84% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. TCBI: 1.72 )
Ranked among companies with meaningful P/B only.
TCBI' s 10-Year P/B Range
Min: 0.54  Med: 2.00 Max: 3.12
Current: 1.72
0.54
3.12
P/S 4.21
TCBI's P/S is ranked lower than
74% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. TCBI: 4.21 )
Ranked among companies with meaningful P/S only.
TCBI' s 10-Year P/S Range
Min: 1.12  Med: 3.99 Max: 7.73
Current: 4.21
1.12
7.73
PFCF 15.35
TCBI's PFCF is ranked lower than
67% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.85 vs. TCBI: 15.35 )
Ranked among companies with meaningful PFCF only.
TCBI' s 10-Year PFCF Range
Min: 2.08  Med: 14.73 Max: 70.97
Current: 15.35
2.08
70.97
POCF 12.10
TCBI's POCF is ranked lower than
64% of the 954 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.17 vs. TCBI: 12.10 )
Ranked among companies with meaningful POCF only.
TCBI' s 10-Year POCF Range
Min: 2.07  Med: 13.63 Max: 43.02
Current: 12.1
2.07
43.02
EV-to-EBIT 12.80
TCBI's EV-to-EBIT is ranked higher than
55% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. TCBI: 12.80 )
Ranked among companies with meaningful EV-to-EBIT only.
TCBI' s 10-Year EV-to-EBIT Range
Min: 9  Med: 17.30 Max: 48.1
Current: 12.8
9
48.1
PEG 0.49
TCBI's PEG is ranked higher than
78% of the 612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. TCBI: 0.49 )
Ranked among companies with meaningful PEG only.
TCBI' s 10-Year PEG Range
Min: 0.32  Med: 0.66 Max: 12.13
Current: 0.49
0.32
12.13
Shiller P/E 22.97
TCBI's Shiller P/E is ranked lower than
73% of the 784 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.97 vs. TCBI: 22.97 )
Ranked among companies with meaningful Shiller P/E only.
TCBI' s 10-Year Shiller P/E Range
Min: 7.23  Med: 25.29 Max: 76.91
Current: 22.97
7.23
76.91
Days Sales Outstanding 241.17
TCBI's Days Sales Outstanding is ranked lower than
89% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. TCBI: 241.17 )
Ranked among companies with meaningful Days Sales Outstanding only.
TCBI' s 10-Year Days Sales Outstanding Range
Min: 196.75  Med: 274.85 Max: 386.03
Current: 241.17
196.75
386.03

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.76
TCBI's Price/Tangible Book is ranked lower than
78% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. TCBI: 1.76 )
Ranked among companies with meaningful Price/Tangible Book only.
TCBI' s 10-Year Price/Tangible Book Range
Min: 0.89  Med: 2.09 Max: 2.96
Current: 1.76
0.89
2.96
Price/Median PS Value 1.06
TCBI's Price/Median PS Value is ranked higher than
52% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. TCBI: 1.06 )
Ranked among companies with meaningful Price/Median PS Value only.
TCBI' s 10-Year Price/Median PS Value Range
Min: 0.46  Med: 1.01 Max: 1.75
Current: 1.06
0.46
1.75
Price/Peter Lynch Fair Value 0.70
TCBI's Price/Peter Lynch Fair Value is ranked higher than
68% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. TCBI: 0.70 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
TCBI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.52  Med: 0.90 Max: 4.86
Current: 0.7
0.52
4.86
Price/Graham Number 1.08
TCBI's Price/Graham Number is ranked lower than
70% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. TCBI: 1.08 )
Ranked among companies with meaningful Price/Graham Number only.
TCBI' s 10-Year Price/Graham Number Range
Min: 0.71  Med: 1.27 Max: 1.86
Current: 1.08
0.71
1.86
Earnings Yield (Greenblatt) (%) 7.76
TCBI's Earnings Yield (Greenblatt) (%) is ranked higher than
60% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. TCBI: 7.76 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
TCBI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.1  Med: 5.80 Max: 11.2
Current: 7.76
2.1
11.2
Forward Rate of Return (Yacktman) (%) 21.79
TCBI's Forward Rate of Return (Yacktman) (%) is ranked higher than
66% of the 785 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. TCBI: 21.79 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
TCBI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -35  Med: 0.50 Max: 34
Current: 21.79
-35
34

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil) 609 695 826
EPS($) 2.97 3.81 5.00
EPS without NRI($) 2.97 3.81 5.00

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:TCA.Germany,
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 Bank offers personalized financial services to businesses and individual clients. The Bank has service locations in Austin, Dallas, Fort Worth, Houston and San Antonio. The Bank 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. The Bank 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 Banks 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 Bank 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 Bank 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 Bank 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 bank is subject to federal banking laws and regulations that impose specific requirements on and provide regulatory oversight of virtually all aspects of its operations.
» More Articles for TCBI

Headlines

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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 
comment on TCBI Apr 17 2013 
comment on TCBI Apr 03 2013 
Investor Nov 09 2011 
Texas Capital Bancshares Inc. (TCBI) CEO George F Jr Jones sells 16,255 Shares Feb 03 2011 

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