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SLMBP vs TCBI

SLMBP
SLM Corporation
BEARISH
Price
$74.25
Market Cap
$4.85B
Sector
Financial Services
AI Confidence
85%
TCBI
Texas Capital Bancshares, Inc.
BULLISH
Price
$105.75
Market Cap
$4.68B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
SLMBP
34.62
TCBI
15.39
Forward P/E
SLMBP
--
TCBI
12.45
P/B Ratio
SLMBP
6.72
TCBI
1.4
P/S Ratio
SLMBP
2.94
TCBI
3.89
EV/EBITDA
SLMBP
--
TCBI
--

Profitability

Gross Margin
SLMBP
100.0%
TCBI
0.0%
Operating Margin
SLMBP
66.82%
TCBI
42.52%
Profit Margin
SLMBP
45.1%
TCBI
27.5%
ROE
SLMBP
32.3%
TCBI
9.44%
ROA
SLMBP
2.49%
TCBI
1.06%

Growth

Revenue Growth
SLMBP
67.8%
TCBI
19.1%
Earnings Growth
SLMBP
126.2%
TCBI
49.0%

Financial Health

Debt/Equity
SLMBP
2.4
TCBI
--
Current Ratio
SLMBP
1.28
TCBI
--
Quick Ratio
SLMBP
1.23
TCBI
--

Dividends

Dividend Yield
SLMBP
8.23%
TCBI
--
Payout Ratio
SLMBP
--
TCBI
0.0%

AI Verdict

SLMBP BEARISH

SLMBP exhibits a dangerous divergence between explosive growth and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While YoY earnings growth is exceptional at 126.2%, the stock trades at a significant premium to its Graham Number ($23.08) and Intrinsic Value ($63.28). High leverage (Debt/Equity 2.40) and a bearish technical trend (0/100) suggest that the current price of $74.25 is unsustainable. The high dividend yield of 8.23% appears risky given the low dividend strength score and poor health metrics.

Strengths
Exceptional YoY Earnings Growth (126.20%)
Strong Revenue Growth (67.80%)
High Return on Equity (32.30%)
Risks
Severe fundamental weakness (Piotroski F-Score 2/9)
Significant overvaluation relative to Graham Number ($23.08)
High leverage with Debt/Equity of 2.40 (above sector average of 1.40)
TCBI BULLISH

TCBI presents a compelling growth story with a Piotroski F-Score of 4/9, indicating stable financial health. The stock is currently trading slightly below its Graham Number ($107.87), suggesting a defensive fair value, while its intrinsic value ($202.66) points to significant long-term upside driven by explosive earnings growth. Despite a bearish technical trend score, the actual price performance is strongly positive, and recent quarterly earnings beats (3 of last 4) underscore a powerful recovery phase.

Strengths
Exceptional earnings growth (YoY +49.00%)
Strong recent earnings track record with an average surprise of 22.46%
Trading at a reasonable P/E (15.39) and below the Graham Number
Risks
Piotroski F-Score of 4/9 suggests only 'stable' rather than 'strong' health
High historical earnings volatility (e.g., -249.3% surprise in Oct 2024)
Complete lack of dividend yield for income-seeking investors

Compare Another Pair

SLMBP vs TCBI: Head-to-Head Comparison

This page compares SLM Corporation (SLMBP) and Texas Capital Bancshares, Inc. (TCBI) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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