TCBI

Based on Texas Capital Bancshares, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Texas Capital Bancshares do?

Texas Capital Bancshares is the holding company for Texas Capital Bank, which provides commercial banking, consumer banking, investment banking, and wealth management services. The bank primarily serves businesses, entrepreneurs, and individual clients, offering products ranging from commercial loans and deposit accounts to mortgage finance and equipment leasing.

Does TCBI pay dividends?

Texas Capital Bancshares does not currently pay a dividend. The company retains capital to support its lending operations and ongoing strategic initiatives, including the build-out of its investment banking and wealth management platforms. Investors focused on income should factor this into their assessment.

When does TCBI report earnings?

Texas Capital Bancshares follows a standard quarterly earnings schedule. Specific dates are announced in advance on the company's investor relations page, which is the most reliable source for upcoming reporting dates and earnings call details.

Is TCBI a good stock to buy?

UQS Score rates TCBI as Good overall. The Valuation pillar is Attractive and both Quality and Risk are rated Good, which may appeal to investors looking for a reasonably priced regional bank with sound fundamentals. The Weak Moat and Neutral Growth ratings are worth considering alongside those strengths. View the full pillar breakdown on UQS Pro.

Is TCBI overvalued?

Based on the UQS Valuation pillar, TCBI is rated Attractive — meaning the stock does not appear expensive relative to its fundamentals. For investors evaluating regional banks, an Attractive valuation rating alongside a Good quality profile can be a meaningful combination. The complete valuation metrics are available to UQS Pro members.

How does TCBI compare to its competitors?

Texas Capital Bancshares sits in the mid-cap regional banking space alongside peers like First Financial Bankshares, Associated Banc-Corp, and Eastern Bankshares. Texas Capital differentiates itself through a broader service mix that includes investment banking and wealth management — capabilities less common among pure community banks. UQS Pro shows side-by-side pillar comparisons for each competitor.

What is TCBI's market cap bracket?

Texas Capital Bancshares is classified as a mid-cap company. This places it in a segment of the market that typically offers more liquidity than small-cap banks while remaining more nimble than the largest national banking institutions.

Who founded Texas Capital Bancshares?

Texas Capital Bancshares was established in 2003. Founding details, including the names of the original leadership team, are publicly available through the company's official history and investor relations materials.

Is TCBI a long-term quality investment?

As a long-term quality indicator, TCBI's Good UQS Score reflects sound fundamentals in Quality and Risk, paired with an Attractive Valuation. The Weak Moat rating is a relevant consideration for long-horizon investors, as durable competitive advantages tend to support sustained returns over time. UQS Pro provides the full multi-pillar view to support that assessment.

What is the main competitive advantage of Texas Capital Bancshares?

Texas Capital's primary differentiator is its focus on serving commercial clients and entrepreneurs with a broader suite of services — including investment banking and wealth management — than a typical community bank offers. However, the UQS Moat pillar rates this advantage as Weak, suggesting it has not yet translated into a clearly defensible market position.

What sector does TCBI belong to?

TCBI operates in the Financial Services sector, specifically within regional banking. The company's revenue mix spans traditional net interest income from lending as well as fee-based income from investment banking and wealth management, giving it a somewhat broader profile than a pure-play community bank.

Texas Capital Bancshares, Inc. shows solid profitability with healthy returns on capital and reasonable margins.

Texas Capital Bancshares, Inc. shows steady but unspectacular growth, typical for mature companies.

Texas Capital Bancshares, Inc. has some risk factors including moderate leverage or solvency concerns.

Texas Capital Bancshares, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.

Texas Capital Bancshares, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for TCBI.

The UQS (Unified Quality Score) for Texas Capital Bancshares, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Texas Capital Bancshares, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Texas Capital Bancshares, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.