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Texas Capital Bancshares (TCBI) Ratios
Texas Capital Bancshares Ratios
TCBI's free cash flow for Q3 2026 was $212.61M. For the 2026 fiscal year, TCBI's free cash flow was increased by $0.00 and operating cash flow was $212.61M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.08 | 0.13 | 0.30 | 0.35 | 0.40 |
| Quick Ratio | 0.08 | 0.13 | 0.30 | 0.35 | 0.40 |
| Cash Ratio | 0.08 | 0.12 | 0.14 | 0.21 | 0.26 |
| Solvency Ratio | 0.01 | 0.00 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.01 | 0.02 | 0.02 | 0.01 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 1.09 | 0.54 | 0.25 | 0.12 | 0.30 |
| Net Current Asset Value | $ -25.81B | $ -23.99B | $ -17.89B | $ -17.01B | $ -19.43B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.03 | 0.05 | 0.08 | 0.08 | 0.09 |
| Debt-to-Equity Ratio | 0.26 | 0.46 | 0.74 | 0.70 | 0.97 |
| Debt-to-Capital Ratio | 0.21 | 0.31 | 0.42 | 0.41 | 0.49 |
| Long-Term Debt-to-Capital Ratio | 0.15 | 0.16 | 0.21 | 0.23 | 0.22 |
| Financial Leverage Ratio | 8.69 | 9.12 | 8.86 | 9.30 | 10.82 |
| Debt Service Coverage Ratio | 0.37 | 0.08 | 0.10 | 0.26 | 0.15 |
| Interest Coverage Ratio | 0.60 | 0.13 | 0.34 | 1.61 | 3.14 |
| Debt to Market Cap | 0.23 | 0.42 | 0.76 | 0.70 | 1.03 |
| Interest Debt Per Share | 37.62 | 50.98 | 64.04 | 47.59 | 63.99 |
| Net Debt to EBITDA | -2.32 | -10.19 | -3.08 | -6.04 | -11.17 |
| Profitability Margins | |||||
| Gross Profit Margin | 60.62% | 49.15% | 56.02% | 73.14% | 92.12% |
| EBIT Margin | 22.20% | 6.08% | 13.77% | 34.67% | 34.25% |
| EBITDA Margin | 24.81% | 9.16% | 16.03% | 38.31% | 43.71% |
| Operating Profit Margin | 22.20% | 6.08% | 13.77% | 34.67% | 34.25% |
| Pretax Profit Margin | 21.65% | 6.08% | 13.77% | 34.67% | 34.25% |
| Net Profit Margin | 16.52% | 4.40% | 10.56% | 26.70% | 25.73% |
| Continuous Operations Profit Margin | 16.52% | 4.40% | 10.56% | 26.70% | 25.73% |
| Net Income Per EBT | 76.32% | 72.40% | 76.70% | 77.01% | 75.12% |
| EBT Per EBIT | 97.52% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.05% | 0.25% | 0.67% | 1.17% | 0.73% |
| Return on Equity (ROE) | 9.09% | 2.30% | 5.91% | 10.88% | 7.91% |
| Return on Capital Employed (ROCE) | 9.33% | 2.34% | 5.54% | 9.97% | 7.66% |
| Return on Invested Capital (ROIC) | 6.66% | 1.42% | 3.18% | 6.01% | 3.81% |
| Return on Tangible Assets | 1.05% | 0.25% | 0.67% | 1.17% | 0.73% |
| Earnings Yield | 8.10% | 2.13% | 6.10% | 10.93% | 8.33% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 0.00 | 2.23 | 1.73 | 1.76 |
| Payables Turnover | 117.20 | 37.81 | 23.70 | 13.94 | 10.10 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 22.71 | 20.61 | 55.35 | 47.20 | 47.23 |
| Asset Turnover | 0.06 | 0.06 | 0.06 | 0.04 | 0.03 |
| Working Capital Turnover Ratio | -0.08 | -0.09 | -0.11 | -0.07 | -0.05 |
| Cash Conversion Cycle | -3.11 | -9.65 | 147.95 | 184.61 | 170.90 |
| Days of Sales Outstanding | 0.00 | 0.00 | 163.35 | 210.80 | 207.04 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 3.11 | 9.65 | 15.40 | 26.19 | 36.14 |
| Operating Cycle | 0.00 | 0.00 | 163.35 | 210.80 | 207.04 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 8.00 | 10.33 | 7.78 | 2.93 | 13.00 |
| Free Cash Flow Per Share | 7.72 | 8.94 | 7.44 | 2.71 | 12.91 |
| Dividend Paid and CapEx Coverage Ratio | 12.08 | 5.86 | 11.11 | 5.19 | 28.77 |
| Capital Expenditure Coverage Ratio | 28.65 | 7.42 | 22.82 | 13.13 | 159.27 |
| Operating Cash Flow Coverage Ratio | 0.38 | 0.31 | 0.16 | 0.07 | 0.21 |
| Operating Cash Flow to Sales Ratio | 0.18 | 0.27 | 0.21 | 0.12 | 0.67 |
| Free Cash Flow Yield | 8.53% | 11.43% | 11.52% | 4.49% | 21.43% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 13.18 | 60.62 | 16.41 | 9.15 | 12.00 |
| Price-to-Sales (P/S) Ratio | 2.04 | 2.07 | 1.73 | 2.44 | 3.09 |
| Price-to-Book (P/B) Ratio | 1.12 | 1.08 | 0.97 | 1.00 | 0.95 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 11.73 | 8.75 | 8.68 | 22.26 | 4.67 |
| Price-to-Operating Cash Flow Ratio | 11.32 | 7.57 | 8.30 | 20.57 | 4.64 |
| Price-to-Earnings Growth (PEG) Ratio | 0.03 | -0.95 | -0.38 | 0.27 | 0.04 |
| Enterprise Value Multiple | 5.90 | 12.38 | 7.73 | 0.34 | -4.10 |
| Enterprise Value | 2.93B | 2.00B | 2.22B | 163.45M | -1.77B |
| EV to EBITDA | 5.90 | 12.38 | 7.73 | 0.34 | -4.10 |
| EV to Sales | 1.46 | 1.13 | 1.24 | 0.13 | -1.79 |
| EV to Free Cash Flow | 8.42 | 4.80 | 6.21 | 1.20 | -2.71 |
| EV to Operating Cash Flow | 8.13 | 4.15 | 5.94 | 1.10 | -2.69 |
| Tangible Book Value Per Share | 80.62 | 72.30 | 66.60 | 60.52 | 63.11 |
| Shareholders’ Equity Per Share | 80.66 | 72.34 | 66.63 | 60.55 | 63.45 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.24 | 0.28 | 0.23 | 0.23 | 0.25 |
| Revenue Per Share | 44.40 | 37.81 | 37.31 | 24.68 | 19.51 |
| Net Income Per Share | 7.34 | 1.66 | 3.94 | 6.59 | 5.02 |
| Tax Burden | 0.76 | 0.72 | 0.77 | 0.77 | 0.75 |
| Interest Burden | 0.98 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.26 | 0.29 | 0.28 | 0.36 | 0.38 |
| Stock-Based Compensation to Revenue | 0.02 | 0.01 | 0.01 | 0.02 | 0.03 |
| Income Quality | 1.09 | 6.21 | 1.98 | 0.45 | 2.59 |
Currency in USD
