Texas Capital Bancshares, Inc.

$ 99.07 -0.24 %

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 commercial banking, consumer banking, investment banking, and wealth management. The company provides businesses with various deposit accounts, such as commercial checking, lockbox, and cash concentration services, alongside digital banking tools for information access, wire transfers, ACH initiation, and account integration. For individual clients, it offers checking, savings, money market accounts, and certificates of deposit. Regarding lending, the firm extends a broad spectrum of options, including commercial loans to fund working capital, growth initiatives, acquisitions, and business insurance premiums, in addition to consumer loans. Specialized financing is available for exploration and production companies, mortgage finance, commercial real estate, and residential homebuilder projects. Furthermore, it offers first and second lien loans for purchasing or constructing 1-4 family residences, home equity revolving lines of credit, and loans for acquiring residential lots. SBA-backed real estate loans, equipment financing and leasing services, and letters of credit round out its lending portfolio. Beyond its core banking and lending activities, clients benefit from online and mobile banking platforms, debit and credit card services, escrow management, and comprehensive personal wealth and trust services. Depositors also have the opportunity to earn American Airlines AAdvantage miles. Its operations are focused within the Austin, Fort Worth, Dallas, Houston, and San Antonio metropolitan areas of Texas. Established in 1996, the firm maintains its headquarters in Dallas, Texas.

CEO: Robert C. Holmes - https://www.texascapitalbank.com

Price objectif

$106.17 7.17 %

Recommandation

Hold

DCF

$ 101.15

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TCBI vs S&P500

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Quick ratio

0.10

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

13.33

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

7.43

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

9.93 %

indicates low profitability, suggesting that the company is not using equity efficiently to generate profits.

ROIC

7.37 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

16.43

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.24

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

19.63

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

4.83 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
7 indicates good financial health
Altman score
-0.60 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.10 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.03 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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