Texas Capital BancsharesTCBI +1.70%81 PB Ratio is 1.36 as of Jun. 24, 2026, which is 17% above its 10-year median of 1.16. 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. Among 1,516 Banks companies, Texas Capital Bancshares ranks worse than 69.2% on this metric.
Texas Capital Bancshares Inc stock PB Ratio (=1.34) is close to 5-year high of 1.4.
The historical rank and industry rank for Texas Capital Bancshares's PB Ratio or its related term are showing as below:
TCBI'
s PB Ratio Range Over the Past 10 Years
Min: 0.42 Med: 1.16 Max: 2.42
Current: 1.36
During the past 13 years, Texas Capital Bancshares's highest PB Ratio was 2.42. The lowest was 0.42. And the median was 1.16.
TCBI's PB Ratio is ranked worse than 69.2% of 1516
companies
in the Banks industry
Industry Median: 1.08
vs TCBI: 1.36
During the past 12 months, Texas Capital Bancshares's average Book Value Per Share Growth Rate was 11.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 10.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 6.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 7.70% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Texas Capital Bancshares was 25.00% per year. The lowest was 2.40% per year. And the median was 12.85% per year.
Back to Basics: PB Ratio
Texas Capital Bancshares (NAS:TCBI) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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 PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Texas Capital Bancshares's PB Ratio distribution charts can be found below:
* The bar in red indicates where Texas Capital Bancshares's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Texas Capital Bancshares (TCBI) has a PB Ratio of 1.36 as of Jun. 24, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Texas Capital Bancshares and its competitors. This is 17% above median its historical median of 1.16. Over the past decade, Texas Capital Bancshares' PB Ratio has ranged from 0.42 to 2.42. According to the industry distribution chart, Texas Capital Bancshares ranks #1049 out of 1516 companies in the Banks industry, placing it in the top 69.2%.
Is Texas Capital Bancshares' PB Ratio too high?
Texas Capital Bancshares' current PB Ratio of 1.36 is 17% above median its 10-year median of 1.16. Over the past 10 years, this metric has ranged from a low of 0.42 to a high of 2.42. The Banks industry median PB Ratio is 1.08. Texas Capital Bancshares' value of 1.36 is 25.9% above this industry median. Based on the distribution chart, Texas Capital Bancshares ranks #1049 out of 1516 companies in the Banks industry, which is below the industry midpoint. 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' PB Ratio compare to SFBS and EBC?
According to the Banks industry distribution chart, Texas Capital Bancshares ranks #1049 out of 1516 companies for PB Ratio. This places Texas Capital Bancshares in the lower half of its industry. The industry median PB Ratio is 1.08. Texas Capital Bancshares' value of 1.36 is 25.9% above this benchmark. Historically, Texas Capital Bancshares' own PB Ratio has ranged from 0.42 to 2.42 over the past decade. While the company's 10-year median is 1.16 vs. the industry median of 1.08, Texas Capital Bancshares has consistently been above 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Texas Capital Bancshares's current PB Ratio of 1.36 is 25.9% above 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Texas Capital Bancshares and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Texas Capital Bancshares's current PB Ratio is 1.36, which is 17% above median its own 10-year median of 1.16. 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 $103.11 — trading 5.4% above its estimated fair value. The current PB Ratio is 1.36, which is 17% above median its 10-year median of 1.16 and 25.9% above the Banks industry median of 1.08. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Texas Capital Bancshares (TCBI), the current PB Ratio is 1.36 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 $103.11 is trading 5.4% above its estimated GF Value™ of $97.80.
GuruFocus considers Texas Capital Bancshares to be Fairly Valued.
Key valuation signals for TCBI:
PB Ratio: 1.36 (17% above median its 10-year median of 1.16)
GF Value™: $97.80 vs. price of $103.11 (5.4% above fair value)
Industry Position: 25.9% above the Banks median (#1049 of 1516)
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.
81GF Score
Get the complete analysis for TCBI
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