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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.86
NAS:TCBI's Cash-to-Debt is ranked lower than
67% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.05 vs. NAS:TCBI: 0.86 )
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: 0.62 Max: 30.18
Current: 0.86
0.06
30.18
Equity-to-Asset 0.09
NAS:TCBI's Equity-to-Asset is ranked lower than
64% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:TCBI: 0.09 )
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: 0.18
Current: 0.09
0.07
0.18
Debt-to-Equity 1.34
NAS:TCBI's Debt-to-Equity is ranked lower than
80% of the 1247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. NAS:TCBI: 1.34 )
Ranked among companies with meaningful Debt-to-Equity only.
NAS:TCBI' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01  Med: 0.88 Max: 3.05
Current: 1.34
0.01
3.05
Debt-to-EBITDA 8.76
NAS:TCBI's Debt-to-EBITDA is ranked lower than
73% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.03 vs. NAS:TCBI: 8.76 )
Ranked among companies with meaningful Debt-to-EBITDA only.
NAS:TCBI' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.83  Med: 9.29 Max: 18.75
Current: 8.76
1.83
18.75
Interest Coverage 3.16
NAS:TCBI's Interest Coverage is ranked higher than
72% of the 1562 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. NAS:TCBI: 3.16 )
Ranked among companies with meaningful Interest Coverage only.
NAS:TCBI' s Interest Coverage Range Over the Past 10 Years
Min: 0.32  Med: 4.32 Max: 8.74
Current: 3.16
0.32
8.74
Beneish M-Score: -2.39
WACC vs ROIC
10.53%
11.95%
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 : 6/10

vs
industry
vs
history
Operating Margin % 38.38
NAS:TCBI's Operating Margin % is ranked higher than
63% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 32.07 vs. NAS:TCBI: 38.38 )
Ranked among companies with meaningful Operating Margin % only.
NAS:TCBI' s Operating Margin % Range Over the Past 10 Years
Min: 16.33  Med: 34.89 Max: 44.9
Current: 38.38
16.33
44.9
Net Margin % 25.23
NAS:TCBI's Net Margin % is ranked higher than
55% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.99 vs. NAS:TCBI: 25.23 )
Ranked among companies with meaningful Net Margin % only.
NAS:TCBI' s Net Margin % Range Over the Past 10 Years
Min: 10.69  Med: 22.41 Max: 28.74
Current: 25.23
10.69
28.74
ROE % 9.51
NAS:TCBI's ROE % is ranked higher than
55% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. NAS:TCBI: 9.51 )
Ranked among companies with meaningful ROE % only.
NAS:TCBI' s ROE % Range Over the Past 10 Years
Min: 4.32  Med: 9.25 Max: 16.61
Current: 9.51
4.32
16.61
ROA % 0.89
NAS:TCBI's ROA % is ranked lower than
53% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. NAS:TCBI: 0.89 )
Ranked among companies with meaningful ROA % only.
NAS:TCBI' s ROA % Range Over the Past 10 Years
Min: 0.45  Med: 0.8 Max: 1.29
Current: 0.89
0.45
1.29
3-Year Revenue Growth Rate 10.50
NAS:TCBI's 3-Year Revenue Growth Rate is ranked higher than
76% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. NAS:TCBI: 10.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:TCBI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 6.9  Med: 15.4 Max: 86.3
Current: 10.5
6.9
86.3
3-Year EBITDA Growth Rate 5.60
NAS:TCBI's 3-Year EBITDA Growth Rate is ranked lower than
51% of the 1396 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. NAS:TCBI: 5.60 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:TCBI' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -12.1  Med: 15.5 Max: 55.9
Current: 5.6
-12.1
55.9
3-Year EPS without NRI Growth Rate 4.60
NAS:TCBI's 3-Year EPS without NRI Growth Rate is ranked lower than
55% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. NAS:TCBI: 4.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:TCBI' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -20.6  Med: 15.8 Max: 76
Current: 4.6
-20.6
76
GuruFocus has detected 4 Warning Signs with Texas Capital Bancshares Inc NAS:TCBI.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:TCBI's 30-Y Financials

Financials (Next Earnings Date: 2018-01-25)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q4 2016

TCBI Guru Trades in Q4 2016

NWQ Managers 168,389 sh (New)
David Dreman 238 sh (unchged)
Ken Fisher 705,425 sh (-2.60%)
Barrow, Hanley, Mewhinney & Strauss 1,585,191 sh (-2.74%)
Mariko Gordon 953,905 sh (-9.71%)
» More
Q1 2017

TCBI Guru Trades in Q1 2017

Steven Cohen 20,600 sh (New)
NWQ Managers 177,852 sh (+5.62%)
David Dreman Sold Out
Ken Fisher 689,850 sh (-2.21%)
Barrow, Hanley, Mewhinney & Strauss 1,509,322 sh (-4.79%)
Mariko Gordon 633,696 sh (-33.57%)
» More
Q2 2017

TCBI Guru Trades in Q2 2017

NWQ Managers 341,598 sh (+92.07%)
Steven Cohen Sold Out
Mariko Gordon 613,293 sh (-3.22%)
Barrow, Hanley, Mewhinney & Strauss 1,369,476 sh (-9.27%)
Ken Fisher 490,305 sh (-28.93%)
» More
Q3 2017

TCBI Guru Trades in Q3 2017

NWQ Managers 339,778 sh (-0.53%)
Mariko Gordon 606,810 sh (-1.06%)
Barrow, Hanley, Mewhinney & Strauss 1,321,353 sh (-3.51%)
Ken Fisher 457,439 sh (-6.70%)
» 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
Barrow, Hanley, Mewhinney & Strauss 2017-09-30 Reduce -3.51%0.01%$69.95 - $85.65 $ 81.755%1,321,353
Mariko Gordon 2017-09-30 Reduce -1.06%0.03%$69.95 - $85.65 $ 81.755%606,810
Ken Fisher 2017-09-30 Reduce -6.70%$69.95 - $85.65 $ 81.755%457,439
NWQ Managers 2017-09-30 Reduce -0.53%$69.95 - $85.65 $ 81.755%339,778
Barrow, Hanley, Mewhinney & Strauss 2017-06-30 Reduce -9.27%0.02%$73.2 - $83.45 $ 81.756%1,369,476
Mariko Gordon 2017-06-30 Reduce -3.22%0.1%$73.2 - $83.45 $ 81.756%613,293
Ken Fisher 2017-06-30 Reduce -28.93%0.03%$73.2 - $83.45 $ 81.756%490,305
NWQ Managers 2017-06-30 Add 92.07%0.18%$73.2 - $83.45 $ 81.756%341,598
Barrow, Hanley, Mewhinney & Strauss 2017-03-31 Reduce -4.79%0.01%$76.75 - $92.15 $ 81.75-2%1,509,322
Ken Fisher 2017-03-31 Reduce -2.21%$76.75 - $92.15 $ 81.75-2%689,850
Mariko Gordon 2017-03-31 Reduce -33.57%1.43%$76.75 - $92.15 $ 81.75-2%633,696
NWQ Managers 2017-03-31 Add 5.62%0.01%$76.75 - $92.15 $ 81.75-2%177,852
David Dreman 2017-03-31 Sold Out 0.01%$76.75 - $92.15 $ 81.75-2%0
Barrow, Hanley, Mewhinney & Strauss 2016-12-31 Reduce -2.74%$54.95 - $81.2 $ 81.7521%1,585,191
Mariko Gordon 2016-12-31 Reduce -9.71%0.34%$54.95 - $81.2 $ 81.7521%953,905
Ken Fisher 2016-12-31 Reduce -2.60%$54.95 - $81.2 $ 81.7521%705,425
NWQ Managers 2016-12-31 New Buy0.18%$54.95 - $81.2 $ 81.7521%168,389
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
TCBIP25.786.30Non Cum Perp Pfd Shs Series -A-

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:HBHC, NYSE:FNB, NAS:TFSL, NYSE:FHN, NAS:WTFC, XPTY:EGIN, NAS:UMPQ, NAS:HOMB, NYSE:PB, NAS:FHB, NAS:IBKC, NAS:UBSI, NAS:MBFI, NYSE:ASB, NAS:CHFC, NYSE:BKU, NAS:FCNCA, NAS:UMBF, NYSE:WBS, NAS:BPOP » details
Traded in other countries:TCA.Germany,
Headquarter Location:USA
Texas Capital Bancshares Inc is engaged in providing lending services to businesses. Its services included credit solutions, treasury and liquidity services, mortgage finance, private wealth solution and personal banking solution.

Texas Capital is a $10 billion asset bank that caters to middle-market companies and wealthy people in the Lone Star State. Business loans are the biggest portfolio in the $6 billion loan book, with almost 60% share, followed by commercial real estate at 30%. Construction, consumer, and leasing credits make up the balance. The bank operates in Texas' main metropolitan areas, like Dallas-Fort Worth, Houston, Austin, and San Antonio.

Ratios

vs
industry
vs
history
PE Ratio 21.18
TCBI's PE Ratio is ranked lower than
83% of the 1528 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. TCBI: 21.18 )
Ranked among companies with meaningful PE Ratio only.
TCBI' s PE Ratio Range Over the Past 10 Years
Min: 9.51  Med: 18.41 Max: 35.94
Current: 21.18
9.51
35.94
Forward PE Ratio 16.21
TCBI's Forward PE Ratio is ranked lower than
81% of the 372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.77 vs. TCBI: 16.21 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 21.18
TCBI's PE Ratio without NRI is ranked lower than
83% of the 1531 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.75 vs. TCBI: 21.18 )
Ranked among companies with meaningful PE Ratio without NRI only.
TCBI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.13  Med: 18.34 Max: 35.53
Current: 21.18
9.13
35.53
Price-to-Owner-Earnings 29.10
TCBI's Price-to-Owner-Earnings is ranked lower than
87% of the 922 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.44 vs. TCBI: 29.10 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
TCBI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.46  Med: 22.31 Max: 68.92
Current: 29.1
3.46
68.92
PB Ratio 2.02
TCBI's PB Ratio is ranked lower than
88% of the 1636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. TCBI: 2.02 )
Ranked among companies with meaningful PB Ratio only.
TCBI' s PB Ratio Range Over the Past 10 Years
Min: 0.54  Med: 1.8 Max: 2.73
Current: 2.02
0.54
2.73
PS Ratio 5.10
TCBI's PS Ratio is ranked lower than
80% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. TCBI: 5.10 )
Ranked among companies with meaningful PS Ratio only.
TCBI' s PS Ratio Range Over the Past 10 Years
Min: 1.12  Med: 3.83 Max: 5.95
Current: 5.1
1.12
5.95
EV-to-EBIT 15.15
TCBI's EV-to-EBIT is ranked lower than
67% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. TCBI: 15.15 )
Ranked among companies with meaningful EV-to-EBIT only.
TCBI' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.9  Med: 16.6 Max: 48.1
Current: 15.15
4.9
48.1
EV-to-EBITDA 13.99
TCBI's EV-to-EBITDA is ranked lower than
67% of the 1254 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.38 vs. TCBI: 13.99 )
Ranked among companies with meaningful EV-to-EBITDA only.
TCBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.4  Med: 15.1 Max: 39.3
Current: 13.99
4.4
39.3
EV-to-Revenue 5.81
TCBI's EV-to-Revenue is ranked lower than
75% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.22 vs. TCBI: 5.81 )
Ranked among companies with meaningful EV-to-Revenue only.
TCBI' s EV-to-Revenue Range Over the Past 10 Years
Min: 1.6  Med: 5.4 Max: 9.6
Current: 5.81
1.6
9.6
PEG Ratio 2.49
TCBI's PEG Ratio is ranked lower than
70% of the 831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.52 vs. TCBI: 2.49 )
Ranked among companies with meaningful PEG Ratio only.
TCBI' s PEG Ratio Range Over the Past 10 Years
Min: 0.36  Med: 1.02 Max: 27.92
Current: 2.49
0.36
27.92
Shiller PE Ratio 34.79
TCBI's Shiller PE Ratio is ranked lower than
83% of the 508 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.19 vs. TCBI: 34.79 )
Ranked among companies with meaningful Shiller PE Ratio only.
TCBI' s Shiller PE Ratio Range Over the Past 10 Years
Min: 17.32  Med: 31.6 Max: 42.4
Current: 34.79
17.32
42.4

Buy Back

vs
industry
vs
history
5-Year Yield-on-Cost % 1.82
TCBI's 5-Year Yield-on-Cost % is ranked lower than
77% of the 2723 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.29 vs. TCBI: 1.82 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
TCBI' s 5-Year Yield-on-Cost % 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 -6.40
TCBI's 3-Year Average Share Buyback Ratio is ranked lower than
67% of the 1129 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.20 vs. TCBI: -6.40 )
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: -6.7 Max: -1.2
Current: -6.4
-41.9
-1.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.12
TCBI's Price-to-Tangible-Book is ranked lower than
84% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. TCBI: 2.12 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
TCBI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.89  Med: 2.07 Max: 2.95
Current: 2.12
0.89
2.95
Price-to-Intrinsic-Value-Projected-FCF 1.36
TCBI's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
95% of the 857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. TCBI: 1.36 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
TCBI' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 1  Med: 2.78 Max: 320
Current: 1.36
1
320
Price-to-Intrinsic-Value-DCF (Earnings Based) 0.95
TCBI's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
63% of the 154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. TCBI: 0.95 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
TCBI' s Price-to-Intrinsic-Value-DCF (Earnings Based) Range Over the Past 10 Years
Min: 0.64  Med: 1.03 Max: 1.37
Current: 0.95
0.64
1.37
Price-to-Median-PS-Value 1.33
TCBI's Price-to-Median-PS-Value is ranked lower than
74% of the 1469 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. TCBI: 1.33 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
TCBI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.48  Med: 1.05 Max: 1.82
Current: 1.33
0.48
1.82
Price-to-Graham-Number 1.41
TCBI's Price-to-Graham-Number is ranked lower than
87% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. TCBI: 1.41 )
Ranked among companies with meaningful Price-to-Graham-Number only.
TCBI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.76  Med: 1.28 Max: 1.89
Current: 1.41
0.76
1.89
Earnings Yield (Greenblatt) % 6.60
TCBI's Earnings Yield (Greenblatt) % is ranked lower than
51% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.51 vs. TCBI: 6.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
TCBI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.1  Med: 6 Max: 20.6
Current: 6.6
2.1
20.6
Forward Rate of Return (Yacktman) % 6.01
TCBI's Forward Rate of Return (Yacktman) % is ranked lower than
69% of the 981 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.33 vs. TCBI: 6.01 )
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: -45  Med: 5.6 Max: 39.6
Current: 6.01
-45
39.6

More Statistics

Revenue (TTM) (Mil) $795.62
EPS (TTM) $ 3.86
Beta2.12
Short Percentage of Float7.64%
52-Week Range $69.50 - 93.35
Shares Outstanding (Mil)49.63

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 826 952 1,105
EPS ($) 4.13 5.11 6.05
EPS without NRI ($) 4.13 5.11 6.05
EPS Growth Rate
(Future 3Y To 5Y Estimate)
12.00%
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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