TCBI
Texas Capital Bancshares
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: TCBI
- PE Ratio
The PE ratio for Texas Capital Bancshares stock stands at 12.71 as of Jul 31, 2026. This is calculated based on the current EPS of $7.78 and the stock price of $98.85 per share. A decrease of 3.7% has been seen in the P/E ratio compared to the average of 13.2 of the last 4 quarters.
TCBI PE ratio history
Over the last ten years, the average PE ratio of Texas Capital Bancshares has been 28.19. The current 12.71 PE ratio is 55% below the historical average. Over the past ten years, TCBI's PE ratio was at its highest in the Sep 2024 quarter at 397, with a price of $71.46 and an EPS of $0.18. The Mar 2020 quarter recorded the bottom point at 5.47, with a price of $22.17 and an EPS of $4.05.
Texas Capital Bancshares PE ratio by year
Maximum annual increase: 462.22% in 2020
Maximum annual decrease: -78.23% in 2025
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 13.2 | -78.23% | $90.54 | $6.86 |
| 2024 | 60.62 | 235.84% | $78.2 | $1.29 |
| 2023 | 18.05 | 87.05% | $64.63 | $3.58 |
| 2022 | 9.65 | -25.54% | $60.31 | $6.25 |
| 2021 | 12.96 | -75.61% | $60.25 | $4.65 |
| 2020 | 53.13 | 462.22% | $59.5 | $1.12 |
| 2019 | 9.45 | 5.12% | $56.77 | $6.01 |
| 2018 | 8.99 | -61.78% | $51.09 | $5.68 |
| 2017 | 23.52 | -5.81% | $88.9 | $3.78 |
| 2016 | 24.97 | 49.07% | $78.4 | $3.14 |
| 2015 | 16.75 | -9.65% | $49.42 | $2.95 |
| 2014 | 18.54 | -17.12% | $54.33 | $2.93 |
| 2013 | 22.37 | 54.28% | $62.2 | $2.78 |
| 2012 | 14.5 | -3.85% | $44.82 | $3.09 |
| 2011 | 15.08 | -27.92% | $30.61 | $2.03 |
Texas Capital Bancshares PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Jun 2026 | 13.27 | 5.15% | $103.26 | $7.78 |
| Mar 2026 | 12.62 | -4.39% | $94.88 | $7.52 |
| Dec 2025 | 13.2 | -3.79% | $90.54 | $6.86 |
| Sep 2025 | 13.72 | -56.28% | $84.53 | $6.16 |
| Jun 2025 | 31.38 | -26.9% | $79.4 | $2.53 |
| Mar 2025 | 42.93 | -29.18% | $74.7 | $1.74 |
| Dec 2024 | 60.62 | -84.73% | $78.2 | $1.29 |
| Sep 2024 | 397 | 1,711.96% | $71.46 | $0.18 |
| Jun 2024 | 21.91 | 18.56% | $61.14 | $2.79 |
| Mar 2024 | 18.48 | 2.38% | $61.55 | $3.33 |
| Dec 2023 | 18.05 | 128.48% | $64.63 | $3.58 |
| Sep 2023 | 7.9 | 7.48% | $58.9 | $7.46 |
| Jun 2023 | 7.35 | -6.01% | $51.5 | $7.01 |
| Mar 2023 | 7.82 | -18.96% | $48.96 | $6.26 |
| Dec 2022 | 9.65 | -47.21% | $60.31 | $6.25 |
TCBI Price vs fair value
TCBI average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
The current PE ratio of TCBI is below the 3, 5 and 10-year averages.
PE comparison
Texas Capital Bancshares's P/E of 12.71 is below the Financial Services sector, the industry and its peers average. Compared to its Financial Services sector average of 13.56, Texas Capital Bancshares's P/E is 6% lower.
TCBI PE vs peers
Compared to its peers CFR and PB, TCBI's PE ratio stands lower, however it is higher than IBOC's. Texas Capital Bancshares's current PE ratio of 12.71 is below the average of its peers, which is 14.49.
| Stock name | PE ratio | Market cap |
|---|---|---|
| IBOC International Bancshares Corp | 11.33 | $4.73B |
| SBSI Southside Bancshares Inc | 12.79 | $972.49M |
| TCBI Texas Capital Bancshares Inc | 12.88 | $4.36B |
| PB Prosperity Bancshares Inc | 13.6 | $7.57B |
| CFR Cullen Frost Bankers Inc | 15.8 | $10.39B |
| FFIN First Financial Bankshares Inc | 19.13 | $5.07B |
Frequently asked questions
What is Texas Capital Bancshares's PE ratio?
TCBI stock has a price to earnings ratio of 12.71 as of Jul 31, 2026.
What is the 3-year average PE ratio for Texas Capital Bancshares (TCBI)?
As an average over the last 3 years, TCBI stock has a PE ratio of 54.26.
What is the 5-year average PE ratio for Texas Capital Bancshares (TCBI)?
As an average over the last 5 years, TCBI stock has a PE ratio of 37.54.
What is the highest PE ratio for TCBI?
The highest quarterly PE ratio in the last ten years has been 397 and it was in the Sep 2024 quarter.
How does the current PE ratio for TCBI compare to its historical average?
The current price to earnings ratio of TCBI is 55% lower than the 10-year historical average.
How is TCBI's PE ratio calculated (Texas Capital Bancshares PE ratio formula)?
You can calculate the PE ratio by dividing the most recent stock price by the trailing twelve months EPS. As of today (Jul 31, 2026), Texas Capital Bancshares's stock price is $98.85. The earnings per share for the trailing twelve months (TTM) ending Jun 2026 is $7.78. Therefore, Texas Capital Bancshares's P/E ratio for today is 12.71. PE RATIO(12.71) = STOCK PRICE($98.85) / TTM EPS($7.78)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.