Texas Capital Bancshares Inc. Common Stock (TCBI)

FairStock Score: 60/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach a regional bank through book value, returns on equity and credit risk, not through industrial free cash flow. Texas Capital Bancshares is a $3.9 billion market-cap bank holding company for Texas Capital Bank, serving businesses, entrepreneurs and individuals. In fiscal Q2 2026, the quarter ended 2026-06-30, it earned $84.9 million, or $1.83 per diluted share, up from $1.58 in fiscal Q2 2025. For FY2025, the year ended 2025-12-31, net income was $330.2 million and diluted EPS $6.79, a sharp rebound from FY2024's $77.5 million and $1.28. FY2023 produced $189.1 million and $3.54, so the record is lumpy despite FairStock's Lynch category of stalwart based on 37.9% annual profit growth over five years. At the 2026-10-13 close of $89.65, FairStock calculates a P/E of 11.66, P/B of 1.16 and PEG of 1.18. ROE is 10.19%—respectable but not exceptional. Paying 1.16 times book for a 10% ROE bank is fair, not a bargain, unless credit stays benign and returns improve. A Piotroski F-Score of 7/9 and beta of 0.63 are supportive, and the 0.89% dividend yield is modest but funded from earnings. The Texas commercial franchise gives it a narrow moat through relationships, but banking is competitive and credit-sensitive. Missing CET1, net interest margin, provisions, nonperforming assets and reserve coverage mean I cannot fully judge leverage or underwriting; combined ratio is not applicable. This looks like a reasonably priced, improving but cyclical financial stock.

In plain English: Texas Capital Bancshares is the parent company of Texas Capital Bank, serving businesses, entrepreneurs and individuals with loans and financial services. Profits have bounced around but recent results are better, and the business looks reasonably solid. At $89.65, the stock looks fairly priced compared with its earnings and accounting value, not clearly cheap or expensive.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer