Texas Capital Bancshares Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Texas Capital Bancshares Inc (TCBI) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Texas Capital Bancshares Inc vs Its Competitors
- Profitability: Its 26.8% net margin compares with 31.4% for the peer group.
- Scale: Texas Capital Bancshares Inc ranks #31 of 216 companies by market capitalization in the Regional Banks industry, holding 0.5% of industry market cap.
- Peer revenue share: Texas Capital Bancshares Inc accounted for 0.2% of combined revenue among its tracked peer group.
- Peer differentiation: Revenue per employee of $-0.36M compares with $0.49M for the peer group (-0.7x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
TCBI Sales vs. its Competitors, Q2 2026
With a net margin of 26.76 %, Texas Capital Bancshares Inc reported lower profitability than its competitors (31.37 %).
Texas Capital Bancshares Inc generated 0.18 % of the combined sales of its peer group.
Texas Capital Bancshares Inc vs. its Competitors, Q2 2026
Net income growth, year on year
Net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Texas Capital Bancshares Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Texas Capital Bancshares Inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| High-Confidence Competitors (1) | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (10) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Texas Capital Bancshares Inc's competitor groups requires a Commercial License.
Texas Capital Bancshares Inc's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Texas Capital Bancshares Inc | - | - | - | No |
| Competitors combined (100) | ||||
| High-Confidence Competitors (1) | ||||
| Similar-Size Competitors (10) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
TCBI Stock Performance relative to its Competitors
TCBI Stock Performance relative to High-Confidence Competitors
TCBI Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Brookline Bancorp inc | 282.9% | Outperformed |
| 2 | Kentucky First Federal Bancorp | 282.9% | Outperformed |
| 3 | The Bank Of New York Mellon Corporation | 282.9% | Outperformed |
| 4 | Mizuho Financial Group Inc | 282.9% | Outperformed |
| 5 | Orix Corporation | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Texas Capital Bancshares Inc's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Texas Capital Bancshares Inc's Comment on Competition and Industry Peers
Publicly Traded Peers of Texas Capital Bancshares Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Texas Capital Bancshares Inc | 4,098.69 | -637.40 |
| Jpmorgan Chase and Co | 891,322.19 | 186,328.00 |
| Bank Of America Corporation | 397,023.31 | 121,098.00 |
| Wells Fargo and Company | 246,306.21 | 83,940.00 |
| Citigroup inc | 230,045.28 | 88,262.00 |
| Capital one financial corp | 119,915.78 | 51,099.00 |
| SUBTOTAL | 2,769,140.21 | 865,010.24 |
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Sources: Texas Capital Bancshares Inc's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Texas Capital Bancshares Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Texas Capital Bancshares Inc's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Business First Bancshares Inc | Named by the company | 85% |
| Bask Bank | Named by the company | 85% |
| Bank Bradesco | Named by the company | 85% |
| Northern Trust Corporation | Named by the company | 85% |
| Prosperity Bancshares Inc | Named by the company | 85% |
| Southstate Bank Corp | Named by the company | 85% |
| Waterstone Financial Inc | Named by the company | 85% |
| Flagstar Bancorp Inc. | Named by the company | 85% |
| Axos Financial Inc | Named by the company | 85% |
| East West Bancorp inc | Named by the company | 85% |
| Comerica Incorporated | Named by the company | 85% |
| Jpmorgan Chase and Co | Named by the company | 85% |
| Hancock Whitney Corporation | Named by the company | 85% |
| Wells Fargo and Company | Named by the company | 85% |
| Simmons First National Corp | Named by the company | 85% |
| Nomura Holdings Inc | Named by the company | 85% |
| Territorial Bancorp Inc | Named by the company | 85% |
| First Interstate Bancsystem Inc | Named by the company | 85% |
| Citigroup inc | Named by the company | 85% |
| Bok Financial Corp | Named by the company | 85% |
| First Horizon Corp | Named by the company | 85% |
| Keycorp | Named by the company | 85% |
| M and t Bank Corporation | Named by the company | 85% |
| Pnc Financial Services Group Inc | Named by the company | 85% |
| Wintrust Financial Corp | Named by the company | 85% |
| Umpqua Holdings Corporation | Named by the company | 85% |
| Western Alliance Bancorporation | Named by the company | 85% |
| Bank Of America Corporation | Named by the company | 85% |
| Citizens Financial Group Inc | Named by the company | 85% |
| First Citizens Bancshares Inc | Named by the company | 85% |
| Capital one financial corp | Named by the company | 85% |
| National Bank Holdings Corp | Named by the company | 85% |
| Us Bancorp De | Named by the company | 85% |
| Svb Financial Group | Named by the company | 85% |
| Orix Corporation | Named by the company | 85% |
| Severn Bancorp Inc | Named by the company | 85% |
| Allegiance Bancshares Inc. | Named by the company | 85% |
| First Financial Bankshares Inc | Named by the company | 85% |
| Capitol Federal Financial Inc | Named by the company | 85% |
| Huntington Bancshares Incorporated | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Texas Capital Bancshares Inc's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
Texas Capital Bancshares Inc's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Citigroup inc | Markets 29.42 % |
| First Citizens Bancshares Inc | Commercial Bank 46.42 % |
| Webster Financial Corporation | Commercial Banking 48.55 % |
| Wesbanco Inc | Community Banking 98.24 % |
| Northrim Bancorp Inc | Community Banking 69.21 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
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Texas Capital Bancshares Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Texas Capital Bancshares Inc | 4,099 | -357,087 | 204,261 |
| Jpmorgan Chase and Co | 891,322 | 584,995 | 200,752 |
| Bank Of America Corporation | 397,023 | 568,535 | 158,005 |
| Wells Fargo and Company | 246,306 | 351,213 | 95,100 |
| Citigroup inc | 230,045 | 390,540 | 72,049 |
| Capital one financial corp | 119,916 | 669,712 | 137,615 |
| PEERS TOTAL | 2,765,042 | 490,263 | 130,266 |
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Texas Capital Bancshares Inc's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent filing. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Brc Group Holdings Inc | North America 93.52 % |
Source: revenue geography as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Texas Capital Bancshares Inc's Position in Industry Market Structure
Market-capitalization share and concentration across all 198 companies in Texas Capital Bancshares Inc's industry classification, broader than the peer set above. Market cap in millions of $.Texas Capital Bancshares Inc ranks #31 of 198 companies by market capitalization in its industry, holding 0.54 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 523, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 112,460 | 14.87 % |
| 2 | Deutsche Bank Aktiengesellschaft | 72,024 | 9.53 % |
| 3 | State Street Corp | 49,071 | 6.49 % |
| 4 | Ita Unibanco Holding S a | 47,919 | 6.34 % |
| 5 | Fifth Third Bancorp | 1,234 | 5.2% |
| 6 | M and t Bank Corporation | 1,234 | 5.2% |
| 7 | Northern Trust Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | Bank Bradesco | 1,234 | 5.2% |
| 31 | Texas Capital Bancshares Inc | 4,099 | 0.54 % |
Market cap and industry share for the rest of Texas Capital Bancshares Inc's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-09-30.
Texas Capital Bancshares Inc's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 26 | Atlantic Union Bankshares Corporation | 5,401 | 6.88 % |
| 27 | Ameris Bancorp | 5,336 | 8.17 % |
| 28 | First Financial Bankshares Inc | 4,561 | -5.60 % |
| 29 | Servisfirst Bancshares Inc | 4,374 | -50.34 % |
| 30 | International Bancshares Corporation | 1,234 | 12.3% |
| 31 | Texas Capital Bancshares Inc | 4,099 | 9.04 % |
| 32 | First Bancorp | 1,234 | 12.3% |
| 33 | United Community Banks Inc | 1,234 | 12.3% |
| 34 | Cathay General Bancorp | 1,234 | 12.3% |
| 35 | Independent Bank Corp | 1,234 | 12.3% |
| 36 | Cvb Financial Corp | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Texas Capital Bancshares Inc's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-09-30. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Texas Capital Bancshares Inc's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (130 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 13.2x | 15.6x | -2.4x |
| EV / EBITDA | 4.9x | 6.2x | -1.3x |
| P/B | 1.2x | 1.3x | -0.1x |
| Return on Equity | 10.04 % | industry aggregate | -0.84 % |
| Return on Invested Capital | - | 3.20 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Texas Capital Bancshares Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 14.44 % | 10.08 % | -20.14 % | 14.96 % | - | - | - | - |
| Operating Margin | 42.03 % | 40.83 % | 11.55 % | 37.39 % | - | - | - | - |
| Return on Invested Capital | 4.37 % | 4.53 % | 0.95 % | 3.63 % | 2.07 % | - | 0.23 % | 3.72 % |
| P/E | 9.8x | 9.2x | 52.4x | 13.2x | 9.6x | - | 64.6x | 13.7x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Texas Capital Bancshares Inc's BCG Growth-Share Matrix
Relative market share (vs Texas Capital Bancshares Inc's largest competitor by market cap) against industry revenue growth, using the standard textbook thresholds (1.0x share, 10% growth) a common framework, not a precision instrument.
Texas Capital Bancshares Inc falls in the Question Mark quadrant: relative market share of 0.04x vs its largest competitor, in an industry growing revenue 12.3% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Texas Capital Bancshares Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 523 (see Industry Market Structure & Concentration above) |
| Supplier Power | Not covered on this page | See Texas Capital Bancshares Inc's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Texas Capital Bancshares Inc's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Texas Capital Bancshares Inc's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Texas Capital Bancshares Inc falls in the Medium attractiveness / Low strength cell: Harvest.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Texas Capital Bancshares Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
No rule matched.
Weaknesses
- Underperforming the U.S.A. 500 over the trailing 12 months.
- Low relative market share vs the industry leader (0.04x).
Opportunities
- Industry revenue growing at a healthy 12.3% median pace.
Threats
No rule matched.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Texas Capital Bancshares Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Texas Capital Bancshares Inc | 0.04 | 1.53 | 0.25 |
| Jpmorgan Chase and Co | 0.17 | 0.42 | 1.40 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.41 |
| Citigroup inc | 0.01 | 0.40 | 1.75 |
| Capital one financial corp | 0.03 | 1.03 | 0.39 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Texas Capital Bancshares Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Texas Capital Bancshares Inc | Q2 2026 | - | +9.9 % |
| Jpmorgan Chase and Co | Q2 2026 | +30.4 % | +44.0 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Wells Fargo and Company | Q2 2026 | +14.2 % | +21.6 % |
| Citigroup inc | Q1 2026 | +14.1 % | +44.6 % |
| Capital one financial corp | Q2 2026 | +1,392.5 % | - |
| PEERS TOTAL | +20.4 % | +50.3 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Texas Capital Bancshares Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Texas Capital Bancshares Inc | Q2 2026 | +20.0 % | +80.3 % |
| Jpmorgan Chase and Co | Q2 2026 | -6.4 % | - |
| Bank Of America Corporation | Q2 2026 | - | - |
| Wells Fargo and Company | Q2 2026 | -16.2 % | - |
| Citigroup inc | Q1 2026 | - | -6.7 % |
| Capital one financial corp | Q2 2026 | -73.8 % | -8.0 % |
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Texas Capital Bancshares Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Texas Capital Bancshares Inc | 1.11% | 2.98% | 10.04% |
| Jpmorgan Chase and Co | 1.35% | 3.71% | 17.50% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Wells Fargo and Company | 1.05% | 2.94% | 12.48% |
| Citigroup inc | 0.61% | 0.63% | 7.62% |
| Capital one financial corp | 1.56% | 3.24% | 9.26% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Texas Capital Bancshares Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Texas Capital Bancshares Inc | 12.14 | - |
| Jpmorgan Chase and Co | 13.93 | 4.78 |
| Bank Of America Corporation | 12.54 | 3.28 |
| Wells Fargo and Company | 11.71 | 2.93 |
| Citigroup inc | 16.11 | 2.61 |
| Capital one financial corp | 11.49 | 2.35 |
| PEERS AVERAGE | 12.02 | 3.20 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.