What is TEXAS CAPITAL BANCSHARES INC/TX (TCBIO)'s fair-value range?

EvidInvest reads TEXAS CAPITAL BANCSHARES INC/TX (TCBIO)'s market price back into the assumptions behind it — the implied P/E, growth rate and cash yield — using its latest filed financials, then lets you set your own. See the full DCF, Graham number, EPV and multiple-based methods at https://evidinvest.com/valuation/TCBIO.

How is TEXAS CAPITAL BANCSHARES INC/TX (TCBIO)'s fair value calculated?

TEXAS CAPITAL BANCSHARES INC/TX (TCBIO)'s fair value is computed with several independent methods — a discounted cash flow (DCF) model, the Graham number, earnings power value (EPV), and valuation multiples (PE, EV/EBITDA, P/S, P/B) benchmarked against its industry — using data from SEC filings.

What is TEXAS CAPITAL BANCSHARES INC/TX (TCBIO)'s PE ratio versus its industry?

EvidInvest shows TEXAS CAPITAL BANCSHARES INC/TX (TCBIO)'s current and historical PE ratio alongside its sector and industry averages, so you can see whether the stock trades at a premium or discount to peers. Full breakdown at https://evidinvest.com/valuation/TCBIO.

Fair value · TEXAS CAPITAL BANCSHARES INC/TX (TCBIO) · updated 2026-09-21 · from 10-K FY2025

TEXAS CAPITAL BANCSHARES INC/TX trades at $19.54. That price implies a P/E of 2.6× and 2.9% yearly EPS growth for a decade.

Cboe · delayed 15 min · as of 03:40 ET

Are those assumptions reasonable? Use TCBIO’s filed growth history and the AI chat to decide, then set your own inputs below — the range you build is yours.

What the price implies

P/E: 2.6×
EPS growth: 2.9%

Prices and market caps: Cboe delayed data, at least 15 minutes delayed. Not real-time. Fundamentals from company filings. This price: Cboe · delayed 15 min · as of 03:40 ET.

Set your own assumptions ↓See how each method got its number Check another stock

The filing behind these numbers

TEXAS CAPITAL BANCSHARES INC/TX

Revenue: $2.0B
Diluted EPS: $6.80
Free cash flow: $347.6M; operating cash flow − capital expenditure
Diluted shares: 45.4M; weighted average

10-K FY2025 · fiscal year ended 2025-12-31 · filed 2026-02-10

Trailing-twelve-month EPS also uses the quarterly 10-Qs through Q2 FY2026 (filed 2026-07-23).

Open the 10-K list on sec.govCIK 1077428

Valuation tool: build your own TCBIO range

Fair Value Summary

Daily Price — TCBIO

$19.72 -8.4% (1Y)

Range implied by today’s price2 of 8 methods

$33 – $60

Price $19.54

Bear $33Base $47Bull $60

Range with preset inputs

$74 – $74

Price $19.54

Bear $74Base $74Bull $74

Every method that could be solved backwards opens on the assumption today’s price makes, so the top range sits on the price — that is arithmetic, not a view. Change any input and it becomes yours.

We don’t tell you what TCBIO is worth. Every tab OPENS on what today’s price implies for that method’s key assumption; you decide whether that assumption is reasonable — the growth matrix has TCBIO’s filed history and the AI chat will reason it through with you — and the range you build is yours. Our presets are filed history and reference settings, never a recommendation.

Discounted cash flow

$73.89per share

278% above the $19.54 price

Preset inputs — revenue-driven DCF from the latest filing

Two-stage FCF model at the same filed inputs: $388.76 — move any slider below and that model takes over.

Implied by today’s price

The price implies stage-1 FCF growth of -50.0%. Even free cash flow shrinking 50% a year lands above today’s price with the other inputs held; −50% is the edge of what this model can show.

Not solvable from the price — Even free cash flow shrinking 50% a year lands above today’s price with the other inputs held; −50% is the edge of what this model can show. Showing preset inputs.

That is the assumption the market is making — not ours, and not a recommendation. Decide whether it is reasonable: the growth matrix shows what TCBIO has actually filed, and the AI chat will reason it through with you.

Your inputs

Free cash flow grows at your stage-1 rate, then your stage-2 rate, then a terminal rate; everything is discounted at your WACC.

Stage-1 growth60.0%

Yearly free-cash-flow growth for the first stage. Starts below zero so a shrinking-cash-flow case — and the rate today’s price implies — can be set.

-20.0%90.0%

Stage-1 years5 yrs

How long stage-1 growth lasts.

1 yrs10 yrs

Stage-2 growth8.7%

Slower growth after stage 1, before the terminal phase.

-20.0%30.0%

Stage-2 years5 yrs

0 yrs10 yrs

Terminal growth2.5%

Growth forever after the two stages. Above ~3% is rarely justified.

0.0%5.0%

Discount rate (WACC)19.13%

The return you require. Default is the WACC EvidInvest computed for this company. Higher discount rate, lower value.

3.00%28.70%

Net debt ($M)Debt minus cash, from the balance sheet. Subtracted from enterprise value.

Starting FCF ($M)Latest free cash flow from the filing (operating cash flow minus capex).

Shares (M)Diluted shares, from the filing.

Year by year (two-stage model, $M)

PV explicit $10,417M · PV terminal $5,929M · EV $16,345M · equity $17,494M

Year	Stage	FCF	Present value
1	Stage 1	$557M	$467M
2	Stage 1	$891M	$628M
3	Stage 1	$1,425M	$843M
4	Stage 1	$2,281M	$1,132M
5	Stage 1	$3,649M	$1,521M
6	Stage 2	$3,967M	$1,388M
7	Stage 2	$4,312M	$1,266M
8	Stage 2	$4,687M	$1,155M
9	Stage 2	$5,094M	$1,054M
10	Stage 2	$5,538M	$962M

Inputs from the filing

Free cash flow: $926.0M; sum of the last four quarters
EBIT: $443.7M; latest annual
Shares: 45.0M
Total debt: $950.6M
Cash: $2.1B
Net debt: $-1.1B; debt − cash

10-K FY2025 · period ended 2025-12-31 · filed 2026-02-10 · sec.gov

Prefer a blank slate with reverse DCF? Open the standalone DCF / reverse DCF for TCBIO

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Download the full TCBIO valuation report (PDF) — free

DCF fair value, Graham number, EPV, key multiples and growth rates in one clean PDF.

TEXAS CAPITAL BANCSHARES INC/TX trades at $19.54. That price implies a P/E of 2.6× and 2.9% yearly EPS growth for a decade.

The filing behind these numbers

Valuation tool: build your own TCBIO range

Daily Price — TCBIO

Range implied by today’s price2 of 8 methods

Range with preset inputs

Your inputs

Year by year (two-stage model, $M)

More on TCBIO

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Valuation tool: build your own TCBIO range

Daily Price — TCBIO

Range implied by today’s price2 of 8 methods

Range with preset inputs

Your inputs

Year by year (two-stage model, $M)

More on TCBIO

Compare with peers

Explore