Texas Capital Bancshares AI Stock Analysis
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Texas Capital Bancshares (TXCP) AI Stock Analysis
Texas Capital Bancshares
(TXSE:TXCP)
The score is driven primarily by improving financial performance (profitability rebound and a notably de-risked balance sheet) and very attractive valuation (low P/E). Earnings call commentary adds support via strong operating momentum and constructive guidance, partially offset by credit/macro and balance-mix concerns. Technicals are mixed, with positive short-term price strength but a negative MACD.
Texas Capital Bancshares Key Performance Indicators (KPIs)
Loans Held for Investment BreakdownShows the composition and size of loans the bank keeps on its balance sheet (e.g., commercial real estate, construction, commercial & industrial, and consumer). For retail investors, it reveals where Texas Capital earns interest income and where credit risk and concentration lie; a high share of construction or CRE loans can boost near-term yields but raise loss risk in a downturn, while a diversified, seasoned loan book points to steadier earnings and lower default vulnerability.
Since mid‑2023 TCBI has clearly reshaped its book: Energy and a prior “Real Estate” line were largely exited or reclassified while Commercial, Mortgage Finance and a new Commercial Real Estate cohort ballooned, driving loan growth. That concentration into commercial/CRE coincides with a nearly unchanged absolute allowance for credit losses, implying a materially lower coverage ratio — a potential under‑reserving risk as the bank scales these higher‑concentration portfolios.
The FlyTexas Capital Bancshares (TXCP) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $3.89B
- Dividend Yield
- 0.40%
- Average Volume (3M)
- 520.54K
- Price to Earnings (P/E)
- 11.5
- Beta (1Y)
- 0.76
- Revenue Growth
- 3.07%
- EPS Growth
- 27.52%
- Country
- US
- Employees
- 1,785
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Texas Capital Bancshares Business Overview & Revenue Model
Company Description
Texas Capital Bancshares, Inc. serves as the holding company for Texas Capital Bank, operating as a comprehensive financial services firm that delivers tailored solutions to businesses, entrepreneurs, and individual clients. Its offerings encompass c...
How the Company Makes Money
TCBI makes money primarily through its banking subsidiary by earning interest income on loans and investment securities and by generating fee-based, noninterest income from banking services. 1) Net interest income (core earnings driver) - Loan intere...
Texas Capital Bancshares Financial Statement Overview
Summary
Strong rebound in profitability and revenue momentum in the TTM period, alongside materially improved balance-sheet leverage (debt-to-equity ~0.14) and recovered ROE (~10.1%). The main offset is consistency: multi-year earnings and cash-flow trends have been volatile, and free cash flow growth is sharply negative in TTM (-42.9%) despite healthy absolute cash generation.
Income Statement
74PositiveBalance Sheet
82Very PositiveCash Flow
63Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.97B | 2.00B | 1.76B | 1.79B | 1.25B | 987.05M |
| Gross Profit | 1.24B | 1.21B | 865.35M | 1.00B | 910.76M | 909.30M |
| EBITDA | 723.53M | 495.88M | 161.29M | 287.07M | 477.04M | 431.46M |
| Net Income | 363.10M | 330.24M | 77.51M | 189.14M | 332.48M | 253.94M |
Balance Sheet | ||||||
| Total Assets | 32.35B | 31.54B | 30.73B | 28.36B | 28.41B | 34.73B |
| Cash, Cash Equivalents and Short-Term Investments | 4.29B | 2.10B | 3.37B | 6.47B | 7.63B | 11.53B |
| Total Debt | 487.27M | 950.58M | 1.55B | 2.36B | 2.13B | 3.13B |
| Total Liabilities | 28.86B | 27.91B | 27.36B | 25.16B | 25.36B | 31.52B |
| Stockholders Equity | 3.49B | 3.63B | 3.37B | 3.20B | 3.06B | 3.21B |
Cash Flow | ||||||
| Free Cash Flow | 529.12M | 347.58M | 416.28M | 357.36M | 136.70M | 653.19M |
| Operating Cash Flow | 528.78M | 360.15M | 481.12M | 373.74M | 147.97M | 657.32M |
| Investing Cash Flow | -370.29M | -1.85B | -2.48B | -1.76B | 3.31B | 1.23B |
| Financing Cash Flow | -549.15M | 404.27M | 1.94B | -387.67M | -6.39B | -3.15B |
Texas Capital Bancshares Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TXCP, the sentiment is Positive. The current price of 99.51 is above the 20-day moving average (MA) of 99.22, above the 50-day MA of 96.43, and above the 200-day MA of 98.62, indicating a bullish trend. The MACD of 1.80 indicates Positive momentum. The RSI at 51.82 is Neutral, neither overbought nor oversold. The STOCH value of 19.51 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TXCP.
Texas Capital Bancshares Risk Analysis
Texas Capital Bancshares disclosed 37 risk factors in its most recent earnings report. Texas Capital Bancshares reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
3 New RisksTexas Capital Bancshares Peers Comparison
Overall Rating
FFIN78Outperform- TXCP78Outperform
TCBX70Outperform
FSUN68Neutral
IBOC64Neutral
SBSI64Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| FFIN | 78Outperform | $4.38B | 14.95 | 15.14% | 2.70% | 8.08% | 19.76% |
| TXCP | 78Outperform | $4.24B | 11.47 | 10.11% | 0.40% | 3.07% | 27.52% |
| TCBX | 70Outperform | $661.23M | 8.75 | 11.91% | ― | 17.96% | 9.46% |
| FSUN | 68Neutral | $1.80B | 19.74 | 4.14% | ― | 45.20% | -37.79% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| IBOC | 64Neutral | $4.22B | 13.50 | 12.66% | 2.15% | 2.47% | -0.27% |
| SBSI | 64Neutral | $1.05B | 10.52 | 11.56% | 4.15% | 8.56% | 43.89% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| TXCP | Texas Capital Bancshares | 99.51 | 15.20 | 18.04% | |
| FFIN | First Financial Bankshares | 30.34 | 0.16 | 0.52% | |
| IBOC | International Bancshares | 68.02 | 4.13 | 6.46% | |
| SBSI | Southside Bancshares | 34.94 | 7.44 | 27.06% | |
| TCBX | Third Coast Bancshares Inc | 39.89 | 2.33 | 6.20% | |
| FSUN | FirstSun Capital Bancorp | 39.48 | 7.43 | 23.18% |
Texas Capital Bancshares Corporate Events
Texas Capital Bancshares Announces Chief Risk Officer Transition
NeutralOn September 16, 2026, Texas Capital Bancshares, Inc. announced that Chief Risk Officer David Oman has departed his role, a move the company said was mutually agreed and not related to any disagreements or issues with its financial condition, control...
Texas Capital Bancshares Shifts Listing to Texas Exchange
PositiveOn September 14, 2026, Texas Capital Bancshares announced it would move the primary listing of its common and Series B preferred stock from Nasdaq to the Texas Stock Exchange, with Nasdaq trading set to end on October 7 and TXSE trading to begin on O...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Oct 23, 2026