Stocktoria
TEXAS CAPITAL BANCSHARES INC/TX TCBI
TEXAS CAPITAL BANCSHARES INC/TX (TCBI) earns a Piotroski F-score of 6/9 (mixed financial health). It does not currently pay a dividend.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-07-01 | JP Morgan | Underweight (main) |
| 2026-06-30 | Citigroup | Neutral (up) |
| 2026-04-28 | Citigroup | Sell (main) |
| 2026-04-24 | RBC Capital | Sector Perform (main) |
| 2026-04-24 | Piper Sandler | Neutral (main) |
| 2026-04-01 | JP Morgan | Underweight (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 6/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| TCBI | TEXAS CAPITAL BANCSHARES INC/TX | 6/9 | — | 13.7 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About TEXAS CAPITAL BANCSHARES INC/TX
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. 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.
FAQ
Is TCBI financially healthy?
TEXAS CAPITAL BANCSHARES INC/TX's Piotroski F-score is 6/9 (8–9 is excellent, 0–3 weak).
Does TCBI pay a dividend?
No, TEXAS CAPITAL BANCSHARES INC/TX does not currently pay a dividend.
How profitable is TCBI?
In FY2025, TEXAS CAPITAL BANCSHARES INC/TX had a return on equity of 9.1%.
Is TCBI overvalued or undervalued?
TEXAS CAPITAL BANCSHARES INC/TX trades at about 14.9× trailing earnings — below its 10-year norm (10-year range 9.2×–61.7×, median 17.2×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for TCBI?
The average Wall-Street price target for TEXAS CAPITAL BANCSHARES INC/TX is $108.77, about 7.8% above the recent price, from 13 analysts (consensus: hold).
Is TCBI a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on TEXAS CAPITAL BANCSHARES INC/TX: a Piotroski F-score of 6/9, a P/E of about 13.7×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.