Texas Capital Bancshares (FRA:TCA) E10: €4.70 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:TCA Texas Capital Bancshares Inc FRA:TCA
24 GF Score
Price €84.00
GF Value €90.47
Valuation Fairly Valued
! 2 Warning Signs
View Full Analysis

What is Texas Capital Bancshares E10?

Texas Capital Bancshares FRA:TCA -0.59% 24 E10 is €4.70 as of Jun. 2026. GuruFocus rates FRA:TCA with a GF Score™ of 24/100 and a GF Value™ of €90.47 (Fairly Valued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Texas Capital Bancshares's adjusted earnings per share data for the three months ended in Jun. 2026 was €1.574. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €4.70 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Texas Capital Bancshares's average E10 Growth Rate was 12.00% per year. During the past 3 years, the average E10 Growth Rate was 3.10% per year. During the past 5 years, the average E10 Growth Rate was 6.10% per year. During the past 10 years, the average E10 Growth Rate was 10.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Texas Capital Bancshares was 30.50% per year. The lowest was 3.10% per year. And the median was 12.80% per year.

As of today (2026-09-16), Texas Capital Bancshares's current stock price is €84.00. Texas Capital Bancshares's E10 for the quarter that ended in Jun. 2026 was €4.70. Texas Capital Bancshares's Shiller PE Ratio of today is 17.88.

During the past 13 years, the highest Shiller PE Ratio of Texas Capital Bancshares was 42.75. The lowest was 6.30. And the median was 16.88.


Texas Capital Bancshares  (FRA:TCA) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Texas Capital Bancshares's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=84.00/4.697
=17.88

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Texas Capital Bancshares was 42.75. The lowest was 6.30. And the median was 16.88.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Texas Capital Bancshares E10 Related Terms


Texas Capital Bancshares E10 Historical Data

* Premium members only.

The historical data trend for Texas Capital Bancshares's E10 can be seen below:

* 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 E10 Chart

Texas Capital Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.41 3.92 4.11 4.05 4.40

Texas Capital Bancshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.22 4.34 4.43 4.58 4.70

FRA:TCA vs FBP, UCB, IBOC: E10 Comparison

For the Banks - Regional subindustry, Texas Capital Bancshares's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Texas Capital Bancshares's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Texas Capital Bancshares's Shiller PE Ratio falls into.


FRA:TCA
24GF Score
Texas Capital Bancshares Inc FRA:TCA
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Texas Capital Bancshares E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Texas Capital Bancshares's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=1.5739/333.9520*333.9520
=1.574

Current CPI (Jun. 2026) = 333.9520.

Texas Capital Bancshares Quarterly Data

per share eps CPI Adj_EPS
201609 0.776 241.428 1.074
201612 0.892 241.432 1.234
201703 0.749 243.801 1.026
201706 0.880 244.955 1.200
201709 0.954 246.819 1.290
201712 0.714 246.524 0.967
201803 1.123 249.554 1.503
201806 1.156 251.989 1.532
201809 1.418 252.439 1.876
201812 1.209 251.233 1.607
201903 1.407 254.202 1.848
201906 1.334 256.143 1.739
201909 1.528 256.759 1.987
201912 1.109 256.974 1.442
202003 -0.345 258.115 -0.446
202006 -0.662 257.797 -0.858
202009 0.926 260.280 1.188
202012 0.954 260.474 1.222
202103 1.108 264.877 1.397
202106 1.091 271.696 1.341
202109 0.648 274.310 0.789
202112 1.039 278.802 1.245
202203 0.614 287.504 0.713
202206 0.551 296.311 0.621
202209 0.731 296.808 0.822
202212 4.154 296.797 4.674
202303 0.655 301.836 0.725
202306 1.221 305.109 1.336
202309 1.087 307.789 1.179
202312 0.306 306.746 0.333
202403 0.422 312.332 0.451
202406 0.740 314.175 0.787
202409 -1.282 315.301 -1.358
202412 1.337 315.605 1.415
202503 0.871 319.799 0.910
202506 1.394 322.561 1.443
202509 1.867 324.800 1.920
202512 1.819 324.054 1.874
202603 1.332 330.213 1.347
202606 1.574 333.952 1.574

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €4.70 mean?
Texas Capital Bancshares (FRA:TCA) has a E10 of €4.70 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Texas Capital Bancshares and its competitors.
Is Texas Capital Bancshares' E10 too high?
Texas Capital Bancshares' current E10 is €4.70. Overall, Texas Capital Bancshares has a GF Score™ of 24/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Texas Capital Bancshares' E10 compare to FBP and UCB?
Texas Capital Bancshares' E10 of €4.70 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Texas Capital Bancshares and its competitors. Texas Capital Bancshares's current E10 is €4.70. 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 (FRA:TCA) is currently considered Fairly Valued. The stock's GF Value™ is €90.47, compared to a current price of €84.00 — trading 7.2% below its estimated fair value. The current E10 is €4.70. Texas Capital Bancshares' overall GF Score™ is 24/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Texas Capital Bancshares (FRA:TCA), the current E10 is €4.70 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 (FRA:TCA) Overvalued in 2026?

Based on GuruFocus' analysis, Texas Capital Bancshares stock appears to be undervalued. The current stock price of €84.00 is trading 7.2% below its estimated GF Value™ of €90.47. GuruFocus considers Texas Capital Bancshares to be Fairly Valued.

Key valuation signals for FRA:TCA:

  • E10: €4.70
  • GF Value™: €90.47 vs. price of €84.00 (7.2% below fair value)
  • GF Score™: 24/100 with 2 warning signs

No single metric tells the full story. See the FRA:TCA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Texas Capital Bancshares Business Description

Other Exchanges TCBIO.PFD:USATCBI:USA
Address 2000 McKinney Avenue, Suite 700, Dallas, TX, USA, 75201
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.
24GF Score

Get the complete analysis for FRA:TCA

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€84.00
Price
€90.47
GF Value