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TCBIO

BULLISH
$22.03 Live
Texas Capital Bancshares, Inc. · NASDAQ
$19.34 52W Range $22.95
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 21, 2026
Market cap
N/A
P/E
5.56
ROE
9.4%
Profit margin
27.5%
Debt/Equity
N/A
Dividend yield
6.53%

AI Analysis

AI-powered fundamental assessment

Confidence
75%
TCBIO presents a classic deep-value opportunity, characterized by a Piotroski F-Score of 4/9 (Stable) and a massive disconnect between its current price ($22.03) and its Graham Number ($81.89). The company exhibits strong growth momentum with 49% YoY earnings growth and a very low P/E of 5.56. While the technical trend is currently bearish (0/100), the fundamental valuation metrics—specifically a Price-to-Book ratio of 0.29—suggest the stock is severely undervalued. The high dividend yield of 6.53% provides a significant cushion for long-term holders.

Key Strengths

Extreme valuation discount relative to Graham Number ($81.89) and Intrinsic Value ($116.79)
Strong earnings growth (49% YoY) and revenue growth (19.1% YoY)
Very low P/E ratio (5.56) compared to sector averages
Exceptionally low Price-to-Book ratio (0.29), indicating significant asset undervaluation
Attractive dividend yield of 6.53%

Key Risks

Bearish technical trend (0/100) suggesting lack of immediate market momentum
Mediocre Piotroski F-Score (4/9) indicating only stable, not strong, financial health
Lack of analyst coverage and target price guidance
Regional bank sector volatility and sensitivity to interest rate environments
Potential 'value trap' if the low P/B reflects hidden asset quality issues
AI Fair Value Estimate
Based on comprehensive analysis
$81.89
+271.7% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
76
Strong
Value
98
Future
85
Past
70
Health
50
Dividend
75
AI Verdict
Strong Value Play
Key drivers: Massive valuation gap, High earnings growth, Strong dividend yield
Confidence
80%
Value
98/100

Ref P/E, P/B, and Graham Number of $81.89

Positives
  • P/E of 5.56
  • P/B of 0.29
  • Current price is ~73% below Graham Number
Watchpoints
No urgent risks highlighted.
Future
85/100

Ref Growth rates

Positives
  • 49% Earnings Growth YoY
  • 19.1% Revenue Growth YoY
Watchpoints
No urgent risks highlighted.
Past
70/100

Ref Historical price performance

Positives
  • Positive 1Y (+23%), 3Y (+36.5%), and 5Y (+18.9%) returns
Watchpoints
  • Recent technical trend is bearish
Health
50/100

Ref Piotroski F-Score

Positives
  • Piotroski F-Score of 4/9 is in the 'Stable' range
Watchpoints
  • F-Score is not in the 'Strong' (7-9) category
  • Altman Z-Score data unavailable
Dividend
75/100

Ref Yield and Dividend Rate

Positives
  • High yield of 6.53%
Watchpoints
  • Payout ratio not provided for sustainability analysis

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$22.03

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for TCBIO and closest competitors.

Updated 2026-04-20
TCB
Texas Capital Bancshares, Inc.
Primary
5Y
+18.9%
3Y
+36.5%
1Y
+23.0%
6M
+10.9%
1M
+1.2%
1W
+1.0%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
5.56
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.29
P/S Ratio
N/A
EV/Revenue
0.31
EV/EBITDA
N/A
Market Cap
N/A

Profitability

Profit margins and return metrics

Profit Margin 27.5%
Operating Margin 42.52%
Gross Margin N/A
ROE 9.44%
ROA 1.06%

Growth

Revenue and earnings growth rates

Revenue Growth +19.1%
Earnings Growth +49.0%
Q/Q Revenue Growth +15.44%
Q/Q Earnings Growth +41.7%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$47.86

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.3B
Net Margin
30.7%
Total Assets
$31.5B
Liabilities
$27.9B
Equity
$3.6B
Debt/Equity
7.69x
Operating CF
$0.1B
Free Cash Flow
$0.1B
FCF Yield
100%

Financial Services Sector Comparison

Comparing TCBIO against 576 companies in the Financial Services sector (106 bullish, 237 neutral, 233 bearish)
P/E Ratio
5.56
This Stock
vs
41.72
Sector Avg
-86.7% (Discount)
Return on Equity (ROE)
9.44%
This Stock
vs
-0.07%
Sector Avg
-13635.1% (Below Avg)
Profit Margin
27.5%
This Stock
vs
48.1%
Sector Avg
-42.8% (Weaker)
Revenue Growth
19.1%
This Stock
vs
39.41%
Sector Avg
-51.5% (Slower)

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

STALLINGS ROBERT W
Director
Buy
2026-03-06
25,500 shares · $579,200
STALLINGS ROBERT W
Director
Buy
2026-03-04
45,000 shares · $1,000,950
STALLINGS ROBERT W
Director
Buy
2026-03-02
25,000 shares · $555,850
STALLINGS ROBERT W
Director
Buy
2026-02-24
40,000 shares · $888,000
STALLINGS ROBERT W
Director
Buy
2026-02-18
10,000 shares · $221,280
STALLINGS ROBERT W
Director
Buy
2026-02-05
16,885 shares · $360,579
STALLINGS ROBERT W
Director
Buy
2026-02-03
4,115 shares · $86,760
STALLINGS ROBERT W
Director
Buy
2026-01-30
7,000 shares · $146,445
STALLINGS ROBERT W
Director
Buy
2026-01-23
2,000 shares · $41,820
STALLINGS ROBERT W
Director
Buy
2025-10-28
5,000 shares · $104,150
STALLINGS ROBERT W
Director
Buy
2025-10-27
15,000 shares · $309,500
Insider transactions can signal confidence or concerns about company prospects

Past News Coverage

Recent headlines mentioning TCBIO from our newsroom.

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