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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 0.89
TCBI's Cash to Debt is ranked higher than
72% of the 1609 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.52 vs. TCBI: 0.89 )
TCBI' s 10-Year Cash to Debt Range
Min: 0.08   Max: 3.28
Current: 0.89

0.08
3.28
Equity to Asset 0.09
TCBI's Equity to Asset is ranked higher than
69% of the 2017 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. TCBI: 0.09 )
TCBI' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.18
Current: 0.09

0.07
0.18
Interest Coverage 5.65
TCBI's Interest Coverage is ranked higher than
93% of the 1857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.31 vs. TCBI: 5.65 )
TCBI' s 10-Year Interest Coverage Range
Min: 0.32   Max: 8.74
Current: 5.65

0.32
8.74
F-Score: 5
Z-Score: 0.23
WACC vs ROIC
5.77%
6.07%
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 (%) 40.88
TCBI's Operating margin (%) is ranked higher than
88% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.14 vs. TCBI: 40.88 )
TCBI' s 10-Year Operating margin (%) Range
Min: -487.98   Max: 44.91
Current: 40.88

-487.98
44.91
Net-margin (%) 26.25
TCBI's Net-margin (%) is ranked higher than
83% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.86 vs. TCBI: 26.25 )
TCBI' s 10-Year Net-margin (%) Range
Min: -305.35   Max: 49.76
Current: 26.25

-305.35
49.76
ROE (%) 10.70
TCBI's ROE (%) is ranked higher than
84% of the 2055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.65 vs. TCBI: 10.70 )
TCBI' s 10-Year ROE (%) Range
Min: -20.74   Max: 16.61
Current: 10.7

-20.74
16.61
ROA (%) 1.01
TCBI's ROA (%) is ranked higher than
83% of the 2059 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. TCBI: 1.01 )
TCBI' s 10-Year ROA (%) Range
Min: -2.51   Max: 1.29
Current: 1.01

-2.51
1.29
ROC (Joel Greenblatt) (%) 77.77
TCBI's ROC (Joel Greenblatt) (%) is ranked higher than
76% of the 2025 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.88 vs. TCBI: 77.77 )
TCBI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -1086.6   Max: 1646.8
Current: 77.77

-1086.6
1646.8
Revenue Growth (3Y)(%) 10.60
TCBI's Revenue Growth (3Y)(%) is ranked higher than
92% of the 1736 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. TCBI: 10.60 )
TCBI' s 10-Year Revenue Growth (3Y)(%) Range
Min: 7   Max: 86.9
Current: 10.6

7
86.9
EBITDA Growth (3Y)(%) 16.90
TCBI's EBITDA Growth (3Y)(%) is ranked higher than
86% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. TCBI: 16.90 )
TCBI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -12   Max: 55.9
Current: 16.9

-12
55.9
EPS Growth (3Y)(%) 13.10
TCBI's EPS Growth (3Y)(%) is ranked higher than
80% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.70 vs. TCBI: 13.10 )
TCBI' s 10-Year EPS Growth (3Y)(%) Range
Min: -20.6   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

Q1 2014

TCBI Guru Trades in Q1 2014

NWQ Managers 790,699 sh (+11.64%)
Jim Simons Sold Out
Ken Fisher 763,825 sh (-0.9%)
Mariko Gordon 1,104,259 sh (-10%)
Joel Greenblatt 3,514 sh (-20.19%)
» More
Q2 2014

TCBI Guru Trades in Q2 2014

Jim Simons 240,600 sh (New)
Mariko Gordon 1,209,423 sh (+9.52%)
NWQ Managers 845,798 sh (+6.97%)
Ken Fisher 791,330 sh (+3.6%)
Joel Greenblatt Sold Out
» More
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 (+5.5%)
NWQ Managers Sold Out
Jim Simons Sold Out
Ken Fisher 797,390 sh (-1.1%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
NWQ Managers 2014-12-31 Sold Out 0.53%$52.5 - $61.74 $ 46.43-18%0
NWQ Managers 2014-12-31 Sold Out 0.53%$52.5 - $61.74 $ 46.43-18%0
Mariko Gordon 2014-12-31 Add 5.5%0.16%$52.5 - $61.74 $ 46.43-18%1267196
James Barrow 2014-12-31 Add 71.95%0.04%$52.5 - $61.74 $ 46.43-18%1289736
James Barrow 2014-09-30 New Buy0.06%$50.3 - $58.23 $ 46.43-14%750061
Mariko Gordon 2014-06-30 Add 9.52%0.23%$51.2 - $66.26 $ 46.43-17%1209423
Joel Greenblatt 2014-06-30 Sold Out $51.2 - $66.26 $ 46.43-17%0
Mariko Gordon 2014-03-31 Reduce -10%0.32%$57.03 - $66.85 $ 46.43-25%1104259
Joel Greenblatt 2014-03-31 Reduce -20.19%$57.03 - $66.85 $ 46.43-25%3514
Mariko Gordon 2013-12-31 Add 5.57%0.17%$44.75 - $61.65 $ 46.43-13%1226899
Joel Greenblatt 2013-12-31 Reduce -39.66%$44.75 - $61.65 $ 46.43-13%4403
Mariko Gordon 2013-09-30 Add 15.94%0.33%$43.87 - $49.66 $ 46.431%1162162
Mariko Gordon 2013-06-30 New Buy2.2%$38.64 - $45.17 $ 46.439%1002349
Joel Greenblatt 2013-03-31 New Buy0.01%$40.06 - $47.32 $ 46.437%6236
Ken Fisher 2012-06-30 New Buy0.07%$33.06 - $41.45 $ 46.4325%597315
NWQ Managers 2012-03-31 Reduce -32.28%0.07%$31.5 - $36.14 $ 46.4348%698706
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Texas Capital Bancshares Inc

SymbolPriceYieldDescription
TCBIP24.906.53

Ratios

vs
industry
vs
history
P/E(ttm) 16.10
TCBI's P/E(ttm) is ranked higher than
77% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. TCBI: 16.10 )
TCBI' s 10-Year P/E(ttm) Range
Min: 9.4   Max: 35.83
Current: 16.1

9.4
35.83
Forward P/E 12.92
TCBI's Forward P/E is ranked higher than
83% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.48 vs. TCBI: 12.92 )
N/A
PE(NRI) 16.40
TCBI's PE(NRI) is ranked higher than
77% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.90 vs. TCBI: 16.40 )
TCBI' s 10-Year PE(NRI) Range
Min: 9.01   Max: 35.53
Current: 16.4

9.01
35.53
P/B 1.60
TCBI's P/B is ranked higher than
67% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. TCBI: 1.60 )
TCBI' s 10-Year P/B Range
Min: 0.54   Max: 3.11
Current: 1.6

0.54
3.11
P/S 3.93
TCBI's P/S is ranked higher than
71% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.65 vs. TCBI: 3.93 )
TCBI' s 10-Year P/S Range
Min: 1.12   Max: 7.73
Current: 3.93

1.12
7.73
PFCF 14.30
TCBI's PFCF is ranked higher than
82% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. TCBI: 14.30 )
TCBI' s 10-Year PFCF Range
Min: 2.08   Max: 70.97
Current: 14.3

2.08
70.97
POCF 13.61
TCBI's POCF is ranked higher than
79% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 80.77 vs. TCBI: 13.61 )
TCBI' s 10-Year POCF Range
Min: 2.07   Max: 43.02
Current: 13.61

2.07
43.02
EV-to-EBIT 11.62
TCBI's EV-to-EBIT is ranked higher than
86% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.30 vs. TCBI: 11.62 )
TCBI' s 10-Year EV-to-EBIT Range
Min: 9   Max: 48.1
Current: 11.62

9
48.1
PEG 0.55
TCBI's PEG is ranked higher than
96% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. TCBI: 0.55 )
TCBI' s 10-Year PEG Range
Min: 0.31   Max: 45.75
Current: 0.55

0.31
45.75
Shiller P/E 22.50
TCBI's Shiller P/E is ranked higher than
83% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. TCBI: 22.50 )
TCBI' s 10-Year Shiller P/E Range
Min: 7.15   Max: 76.91
Current: 22.5

7.15
76.91
Days Sales Outstanding 234.47
TCBI's Days Sales Outstanding is ranked higher than
77% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. TCBI: 234.47 )
TCBI' s 10-Year Days Sales Outstanding Range
Min: 196.75   Max: 386.03
Current: 234.47

196.75
386.03

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.60
TCBI's Price/Tangible Book is ranked higher than
72% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. TCBI: 1.60 )
TCBI' s 10-Year Price/Tangible Book Range
Min: 1.06   Max: 2.83
Current: 1.6

1.06
2.83
Price/Median PS Value 1.00
TCBI's Price/Median PS Value is ranked higher than
88% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.26 vs. TCBI: 1.00 )
TCBI' s 10-Year Price/Median PS Value Range
Min: 0.53   Max: 1.74
Current: 1

0.53
1.74
Price/Peter Lynch Fair Value 0.60
TCBI's Price/Peter Lynch Fair Value is ranked higher than
96% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. TCBI: 0.60 )
TCBI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.6   Max: 1.77
Current: 0.6

0.6
1.77
Price/Graham Number 1.00
TCBI's Price/Graham Number is ranked higher than
79% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. TCBI: 1.00 )
TCBI' s 10-Year Price/Graham Number Range
Min: 0.89   Max: 1.85
Current: 1

0.89
1.85
Earnings Yield (Greenblatt) 8.70
TCBI's Earnings Yield (Greenblatt) is ranked higher than
84% of the 2043 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. TCBI: 8.70 )
TCBI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.1   Max: 11.2
Current: 8.7

2.1
11.2
Forward Rate of Return (Yacktman) 26.99
TCBI's Forward Rate of Return (Yacktman) is ranked higher than
83% of the 1309 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.46 vs. TCBI: 26.99 )
TCBI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -42.3   Max: 34.4
Current: 26.99

-42.3
34.4

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

Articles On GuruFocus.com
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 
Texas Capital Bancshares Inc. (TCBI) CEO George F Jr Jones sells 10,000 Shares Oct 26 2010 
Texas Capital Bancshares Inc. Reports Operating Results (10-Q) Oct 21 2010 
Texas Capital Bancshares Inc. Reports Operating Results (10-Q) Jul 22 2010 

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