Texas Capital Bancshares, Inc. (TCBI) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Texas Capital Bancshares, Inc. stock $78.73, price $101, that is 22.1% below the price, quality 64 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Texas Capital Bancshares, Inc.
TCBI · USOur calculation puts a fair price 22% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $43.57 – $107.52 · fair‑value band $69.55 – $99.89 · the $101.03 price screens above the $78.73 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Company profile
Texas Capital Bancshares, Inc. operates as the bank holding company for Texas Capital Bank, is a full-service financial services firm that delivers customized solutions to businesses, entrepreneurs, and individual customers.
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The company offers commercial banking; consumer banking; investment banking solutions, including capital markets, mergers and acquisitions, and syndicated finance, as well as financial sponsor coverage, capital solutions, and institutional services; and wealth management services, such as investment management, financial planning, lockbox and insurance, securities-based lending, estate planning, and business succession, as well as philanthropic, trustee and executor, custom credit, and depository services.
It also provides deposit accounts, analyzed accounts, commercial card, SBA and business loans, packaged solutions, and merchant services; liquidity and investments, working capital, international trade and payment, and treasury and credit products; and commercial real estate, homebuilder and community, and mortgage finance.
In addition, the company offers payables and receivables management; online and mobile banking; term loans and lines of credit, equipment finance and lease, acquisition finance, and asset-based lending; private wealth advisory solutions; and checking and savings accounts, debit and credit cards, and certificates of deposit, as well as ETF and funds management services.
Further, it provides financial institution money market accounts and loan syndication products; commercial loans for financing for working capital, organic growth, and acquisitions; real estate term and construction loans; mortgage warehouse lending services; treasury management, trust, and advisory and escrow services; and letters of credit.
The company operates in Austin, Dallas, Fort Worth, Houston, and San Antonio metropolitan areas of Texas, as well as in California and New York. The company was incorporated in 1996 and is headquartered in Dallas, Texas.
Stock analysis
Texas Capital Bancshares, Inc. (TCBI) currently trades at $101.03, while our model-based Fair Value estimate is $78.73, 22% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $92.73 per share, and 0 of the 6 models we run sit above the $101.03 price.
Bear case: the Asset-Based group reads lowest at $55.94, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $69.55 (bear) to $99.89 (bull), the price of $101.03 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 64/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Texas Capital Bancshares, Inc. reported revenue of $2.0B in FY2025 versus $987M in FY2021, a compound +19.3%/yr. Reported net income was $330M in FY2025, compounding +6.8%/yr from FY2021.
Key figures
Market cap $4.6B Mid · P/E ratio 12.9 · P/S ratio 3.58 · EPS (TTM) $7.83 · Dividend yield 0.4% · Net margin 28.3% · Return on equity 10.2% · Return on assets (EBIT) 1.0% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 67 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 23% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −22%, TCBI screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director bought shares worth $4,448, on Jun 15, 2026. Over the same period, 3 people sold shares worth $10.6M.
- SaleEllen DetrichController2,045 shares at $100.03$204,561Jul 24, 2026
- BuyJohn Matthew ScurlockChief Financial Officer44 shares at $101.29$4,448Jun 15, 2026
- SaleAnna M AlvaradoChief Legal Officer3,500 shares at $100.95$353,325Jun 9, 2026
- SaleRob C HolmesChairman, President and CEO98,600 shares at $101.55$10.0MJun 8, 2026
- BuyPaola M ArbourDirector1,000 shares at $91.50$91,500Mar 11, 2026
- BuyRobert W StallingsDirector3,330 shares at $94.86$315,884Feb 27, 2026
- BuyLaura L WhitleyDirector1,000 shares at $97.54$97,535Jan 26, 2026
Plus 3 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
TCBI screens overvalued: fair value 22% below the price. Compare with China Merchants Bank Co →
Recent news
- Is Texas Capital Bancshares (TCBI) Undervalued After Earnings Dividends And Buybacks?
- Texas Capital Bancshares (DB:TCA) Can Q3 Earnings Sustain Record Margin Strength?
- Texas Capital Hits Record Revenues in Q3: Can Growth Momentum Continue?
- Texas Capital forecasts Q4 noninterest expense of $205M-$210M while targeting $70M-$75M in noninterest income
Compare Texas Capital Bancshares, Inc. with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Fair value gap by industry
- Return on assets by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs TCBI |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs TCBI |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs TCBI |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs TCBI |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs TCBI |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs TCBI |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs TCBI |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs TCBI |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs TCBI |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs TCBI |
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Key figures of Texas Capital Bancshares, Inc.
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