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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Texas Capital Bancshares's annualizedNet Income for the quarter that ended in Jun. 2026 was €295 Mil.
Texas Capital Bancshares's average Total Assets over the quarter that ended in Jun. 2026 was €29,201 Mil. Therefore, Texas Capital Bancshares's annualized ROA % for the quarter that ended in Jun. 2026 was 1.01%.
The historical rank and industry rank for Texas Capital Bancshares's ROA % or its related term are showing as below:
FRA:TCA'
s ROA % Range Over the Past 10 Years
Min: 0.19 Med: 0.8 Max: 1.12
Current: 1.12
During the past 13 years, Texas Capital Bancshares's highest ROA % was 1.12%. The lowest was 0.19%. And the median was 0.80%.
FRA:TCA's ROA % is ranked better than 57.79% of 1528
companies
in the Banks industry
Industry Median: 1
vs FRA:TCA: 1.12
Texas Capital Bancshares (FRA:TCA) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Texas Capital Bancshares's ROA % distribution charts can be found below:
* The bar in red indicates where Texas Capital Bancshares's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Texas Capital Bancshares (FRA:TCA) has a ROA % of 1.01% as of Jun. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Texas Capital Bancshares and its competitors. This is 26% above median its historical median of 0.80. Over the past decade, Texas Capital Bancshares' ROA % has ranged from 0.19 to 1.12. According to the industry distribution chart, Texas Capital Bancshares ranks #645 out of 1528 companies in the Banks industry, placing it in the top 42.2%.
Is Texas Capital Bancshares' ROA % too high?
Texas Capital Bancshares' current ROA % of 1.01% is 26% above median its 10-year median of 0.80. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 1.12. The Banks industry median ROA % is 1.00. Texas Capital Bancshares' value of 1.01% is 1% above this industry median. Based on the distribution chart, Texas Capital Bancshares ranks #645 out of 1528 companies in the Banks industry, which is above the industry midpoint. 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' ROA % compare to FBP and UCB?
According to the Banks industry distribution chart, Texas Capital Bancshares ranks #645 out of 1528 companies for ROA %. This puts Texas Capital Bancshares in the upper half of its industry. The industry median ROA % is 1.00. Texas Capital Bancshares' value of 1.01% is 1% above this benchmark. Historically, Texas Capital Bancshares' own ROA % has ranged from 0.19 to 1.12 over the past decade. While the company's 10-year median is 0.80 vs. the industry median of 1.00, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 1.00, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Texas Capital Bancshares's current ROA % of 1.01% is 1% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Texas Capital Bancshares and its competitors. For the Banks industry, the median ROA % is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Texas Capital Bancshares's current ROA % is 1.01%, which is 26% above median its own 10-year median of 0.80. 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 €89.42, compared to a current price of €85.50 — trading 4.4% below its estimated fair value. The current ROA % is 1.01%, which is 26% above median its 10-year median of 0.80 and 1% above the Banks industry median of 1.00. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Texas Capital Bancshares (FRA:TCA), the current ROA % is 1.01% 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 €85.50 is trading 4.4% below its estimated GF Value™ of €89.42.
GuruFocus considers Texas Capital Bancshares to be Fairly Valued.
Key valuation signals for FRA:TCA:
ROA %: 1.01% (26% above median its 10-year median of 0.80)
GF Value™: €89.42 vs. price of €85.50 (4.4% below fair value)
Industry Position: 1% above the Banks median (#645 of 1528)
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 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.
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