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Texas Capital BancsharesTCBI -0.17%80 Debt-to-Equity is 0.23 as of Jun. 2026, which is 77% below its 10-year median of 0.98. GuruFocus rates TCBI with a GF Score™ of 80/100 and a GF Value™ of $103.70 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,419 Banks companies, Texas Capital Bancshares ranks better than 75.12% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Texas Capital Bancshares's Debt-to-Equity or its related term are showing as below:
TCBI'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.17 Med: 0.98 Max: 1.89
Current: 0.23
During the past 13 years, the highest Debt-to-Equity Ratio of Texas Capital Bancshares was 1.89. The lowest was 0.17. And the median was 0.98.
TCBI's Debt-to-Equity is ranked better than 75.12% of 1419
companies
in the Banks industry
Industry Median: 0.58
vs TCBI: 0.23
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Texas Capital Bancshares Debt-to-Equity Related Terms
Texas Capital Bancshares Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Texas Capital Bancshares's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Texas Capital Bancshares Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Texas Capital Bancshares's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Texas Capital Bancshares's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Texas Capital Bancshares (TCBI) has a Debt-to-Equity of 0.23 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Texas Capital Bancshares and its competitors. This is 77% below median its historical median of 0.98. Over the past decade, Texas Capital Bancshares' Debt-to-Equity has ranged from 0.17 to 1.89. According to the industry distribution chart, Texas Capital Bancshares ranks #353 out of 1419 companies in the Banks industry, placing it in the top 24.9%.
Is Texas Capital Bancshares' Debt-to-Equity too high?
Texas Capital Bancshares' current Debt-to-Equity of 0.23 is 77% below median its 10-year median of 0.98. Over the past 10 years, this metric has ranged from a low of 0.17 to a high of 1.89. The Banks industry median Debt-to-Equity is 0.58. Texas Capital Bancshares' value of 0.23 is 60.3% below this industry median. Based on the distribution chart, Texas Capital Bancshares ranks #353 out of 1419 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Texas Capital Bancshares has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Texas Capital Bancshares' Debt-to-Equity compare to FBP and UCB?
According to the Banks industry distribution chart, Texas Capital Bancshares ranks #353 out of 1419 companies for Debt-to-Equity. This places Texas Capital Bancshares in the top 25% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Texas Capital Bancshares' value of 0.23 is 60.3% below this benchmark. Historically, Texas Capital Bancshares' own Debt-to-Equity has ranged from 0.17 to 1.89 over the past decade. While the company's 10-year median is 0.98 vs. the industry median of 0.58, Texas Capital Bancshares has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,419 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Texas Capital Bancshares's current Debt-to-Equity of 0.23 is 60.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Texas Capital Bancshares and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Texas Capital Bancshares's current Debt-to-Equity is 0.23, which is 77% below median its own 10-year median of 0.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Texas Capital Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Texas Capital Bancshares (TCBI) is currently considered Fairly Valued. The stock's GF Value™ is $103.70, compared to a current price of $98.04 — trading 5.5% below its estimated fair value. The current Debt-to-Equity is 0.23, which is 77% below median its 10-year median of 0.98 and 60.3% below the Banks industry median of 0.58. Texas Capital Bancshares' overall GF Score™ is 80/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Texas Capital Bancshares (TCBI), the current Debt-to-Equity is 0.23 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Texas Capital Bancshares (TCBI) Overvalued in 2026?
Based on GuruFocus' analysis, Texas Capital Bancshares stock appears to be undervalued.
The current stock price of $98.04 is trading 5.5% below its estimated GF Value™ of $103.70.
GuruFocus considers Texas Capital Bancshares to be Fairly Valued.
Key valuation signals for TCBI:
Debt-to-Equity: 0.23 (77% below median its 10-year median of 0.98)
GF Value™: $103.70 vs. price of $98.04 (5.5% below fair value)
Industry Position: 60.3% below the Banks median (#353 of 1419)
No single metric tells the full story. See the TCBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Texas Capital Bancshares Inc is a registered bank holding company and a full-service financial services firm that delivers customised solutions to businesses, entrepreneurs and individual customers. It is a secured lender with the majority of the loans held for investment, excluding mortgage finance loans and other national lines of business. Texas Capital has established commercial banking, consumer banking, investment banking and wealth management capabilities.
80GF Score
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