TCBI PEER ANALYSIS

Texas Capital Bancshares, Inc. — metric-by-metric comparison with peers and the industry median

TCBITexas Capital Bancshares, Inc.

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

TCBIIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	TCBI	BEN	NDA-SE	EQB	HALKB	VAKBN	Ind. Median
P/E	13.23	—	12.40	25.90	10.63	4.86●	12.88
P/B	1.31	1.00	1.94	1.55	1.39	0.95●	1.29
EV/EBITDA	4.95	—	34.32	54.62	-19.45●	-5.61	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	TCBI	BEN	NDA-SE	EQB	HALKB	VAKBN	Ind. Median
Current Ratio	0.10	0.03	0.16●	0.09	—	—	0.31
Debt/Equity	24.4%	142.6%	704.0%	496.5%	0.0%●	0.0%●	38.0%
NetDebt/EBITDA	-3.91	—	25.50	40.36	-33.00●	-8.98	-0.58

Profitability
Metric	TCBI	BEN	NDA-SE	EQB	HALKB	VAKBN	Ind. Median
Net Margin	17.7%	—	20.9%	6.6%	16.6%	21.4%●	20.6%
ROE	10.1%	—	15.8%	6.1%	15.4%	23.0%●	10.9%
ROA	1.1%	—	0.7%	0.4%	0.8%	1.3%●	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	TCBI	BEN	NDA-SE	EQB	HALKB	VAKBN	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	262.7%●	—	-4.4%	-49.0%	21.9%	34.4%	19.4%
Div. Yield	0.4%	6.1%●	0.5%	1.6%	—	—	2.5%
Payout	4.8%	—	0.0%	43.2%	—	—	31.4%

Valuation
Metric	TCBI	IBOC	SFBS	TFSL	EBC	FFIN	Ind. Median
P/E	13.23	11.31●	15.98	53.68	13.46	18.99	12.88
P/B	1.31	1.44	2.48	2.60	1.17●	2.58	1.29
EV/EBITDA	4.95●	8.80	11.59	70.89	12.05	12.56	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	TCBI	IBOC	SFBS	TFSL	EBC	FFIN	Ind. Median
Current Ratio	0.10	1.09●	0.13	0.05	0.03	0.07	0.31
Debt/Equity	24.4%	22.0%	82.7%	266.7%	16.1%	4.6%●	38.0%
NetDebt/EBITDA	-3.91●	0.25	-1.25	35.83	0.60	-2.50	-0.58

Profitability
Metric	TCBI	IBOC	SFBS	TFSL	EBC	FFIN	Ind. Median
Net Margin	17.7%	39.3%●	29.0%	11.4%	26.5%	31.1%	20.6%
ROE	10.1%	13.5%	16.6%●	4.9%	9.4%	14.6%	10.9%
ROA	1.1%	2.5%●	1.6%	0.5%	1.3%	1.8%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	TCBI	IBOC	SFBS	TFSL	EBC	FFIN	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	262.7%●	2.2%	23.3%	14.0%	—	14.0%	19.4%
Div. Yield	0.4%	1.9%	1.6%	6.3%●	2.3%	2.1%	2.5%
Payout	4.8%	21.3%	25.5%	64.3%	29.8%	40.7%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.