TCBI (Texas Capital Bancshares) Margin of Safety % (DCF Earnings Based): -18.58% (As of Jun. 24, 2026)


TCBI Texas Capital Bancshares Inc TCBI
81 GF Score
Price $102.77
GF Value $97.80
Valuation Fairly Valued
! 2 Warning Signs
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What is Texas Capital Bancshares Margin of Safety % (DCF Earnings Based)?

Texas Capital Bancshares TCBI +1.40% 81 Margin of Safety % (DCF Earnings Based) is -18.58% as of Jun. 24, 2026. GuruFocus rates TCBI with a GF Score™ of 81/100 and a GF Value™ of $97.80 (Fairly Valued). The stock has 2 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-24), Texas Capital Bancshares's Predictability Rank is 4-Stars. Texas Capital Bancshares's intrinsic value calculated from the Discounted Earnings model is $86.67 and current share price is $102.77. Consequently,

Texas Capital Bancshares's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is -18.58%.

TCBI vs SFBS, EBC, TFSL: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, Texas Capital Bancshares's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Texas Capital Bancshares's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Texas Capital Bancshares's Margin of Safety % (DCF Earnings Based) falls into.


TCBI
81GF Score
Texas Capital Bancshares Inc TCBI
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Texas Capital Bancshares Margin of Safety % (DCF Earnings Based) Calculation

Texas Capital Bancshares's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(86.67-102.77)/86.67
=-18.58 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of -18.58% mean?
Texas Capital Bancshares (TCBI) has a Margin of Safety % (DCF Earnings Based) of -18.58% as of Jun. 24, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Texas Capital Bancshares.
Is Texas Capital Bancshares' Margin of Safety % (DCF Earnings Based) too high?
Texas Capital Bancshares' current Margin of Safety % (DCF Earnings Based) is -18.58%. Overall, Texas Capital Bancshares has a GF Score™ of 81/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Texas Capital Bancshares' Margin of Safety % (DCF Earnings Based) compare to SFBS and EBC?
Texas Capital Bancshares' Margin of Safety % (DCF Earnings Based) of -18.58% 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 Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Texas Capital Bancshares. Texas Capital Bancshares's current Margin of Safety % (DCF Earnings Based) is -18.58%. 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 $97.80, compared to a current price of $102.77 — trading 5.1% above its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is -18.58%. Texas Capital Bancshares' overall GF Score™ is 81/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Texas Capital Bancshares (TCBI), the current Margin of Safety % (DCF Earnings Based) is -18.58% as of Jun. 24, 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 overvalued. The current stock price of $102.77 is trading 5.1% above its estimated GF Value™ of $97.80. GuruFocus considers Texas Capital Bancshares to be Fairly Valued.

Key valuation signals for TCBI:

  • Margin of Safety % (DCF Earnings Based): -18.58%
  • GF Value™: $97.80 vs. price of $102.77 (5.1% above fair value)
  • GF Score™: 81/100 with 2 warning signs

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 Business Description

Other Exchanges TCBIO.PFD:USATCA:Germany
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.
81GF Score

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Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$102.77
Price
$97.80
GF Value