Stock fact sheet · data as of
Texas Capital Bancshares, Inc. (TCBIO): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · High Growth
Is TCBIO undervalued?
Texas Capital Bancshares, Inc. (TCBIO) closed at 18.28 on 16 Oct 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 104.96, which puts the price 83% below it. 8 of the 9 models value the shares above the current price. A gap this wide is rare in our universe of ~7,400 US stocks and is exactly what the Value part of the Wheel Score rewards; it is also where the question "why is it this cheap?" matters most.
There is a wide gap between DDM (5.89) and 10 Cap (417.52). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files TCBIO under High Growth: revenue and earnings growing fast enough that the growth-based models carry the valuation.
Nine valuation models for TCBIO
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 94.50 | +417% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 121.50 | +565% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 51.29 | +181% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 19.20 | +5% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 70.87 | +288% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 417.52 | +2184% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 145.54 | +696% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 5.89 | -68% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 18.36 | +0% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -119.38 | -753% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Texas Capital Bancshares, Inc. scores 8 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the Sunday Scan's "6 or more" rule with room to spare. On durability TCBIO scores 5.4/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are moderate - ROIC 7.2%, ROE 9.1%, ROA 1.0% - with debt at 0.26 times equity and a free-cash-flow yield of 23.8%.
The dividend yield is 0.45% with a payout ratio of 7% - a small yield that leaves most of the earnings in the business.
Institutional ownership scores 5/10, insider activity 2/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 8 / 9 | ROIC | 7.2% |
|---|---|---|---|
| GLS Moat | 5.4 / 10 | ROE | 9.1% |
| Debt / equity | 0.26 | ROA | 1.0% |
| Free-cash-flow yield | 23.8% | Payout ratio | 7% |
| Institutions | 5 / 10 | Insiders · Congress | 2 · 5 / 10 |
Wheel Score 39: No options
No options are listed on Texas Capital Bancshares, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 25k shares a day on a market cap of $4.0B, with a beta of 0.67 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 10 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 83% margin of safety | |
| Health | 18 / 20 | Piotroski 8/9 | |
| Moat | 8 / 15 | moat 5.4/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 10 / 20 | 25k shares/day, $4.0B cap, beta 0.67 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Texas Capital Bancshares, Inc. reports earnings on 21 Oct 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Texas Capital Bancshares, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| UCB United Community Banks, Inc. | 33.16 | 44.59 | +26% | 88Prime | $4.0B |
| CATY Cathay General Bancorp | 60.15 | 83.35 | +28% | 85Prime | $4.0B |
| WSFS WSFS Financial Corporation | 75.23 | 78.48 | +4% | 67Good | $3.9B |
| CVBF CVB Financial Corp. | 21.83 | 37.09 | +41% | 91Prime | $3.8B |
| ASBA Associated Banc-Corp | 24.96 | 57.59 | +57% | 39No options | $4.1B |
| FBP First BanCorp. | 27.19 | 38.50 | +29% | 91Prime | $4.2B |
| BMA Banco Macro S.A. | 65.03 | 93,106.43 | +100% | 76Good | $4.2B |
| SFBS ServisFirst Bancshares, Inc. | 38.07 | 51.20 | +26% | 87Prime | $4.2B |
| IBOC International Bancshares Corporation | 67.65 | 101.97 | +34% | 85Prime | $4.2B |
| FULT Fulton Financial Corporation | 22.35 | 29.55 | +24% | 85Prime | $4.3B |
| INDB Independent Bank Corp. | 77.08 | 101.88 | +24% | 75Good | $3.7B |
| FULTP Fulton Financial Corporation | 16.63 | 26.24 | +37% | 39No options | $4.3B |
⚖ Compare TCBIO with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about TCBIO
Is TCBIO undervalued right now?
By the GLS models, yes: at 18.28 the stock is 83% below the average fair value of 104.96 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of TCBIO and what does it mean?
TCBIO has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for TCBIO?
104.96 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Texas Capital Bancshares, Inc. report earnings next?
The next earnings report is due on 21 Oct 2026 (after the close), 5 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does TCBIO have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on TCBIO, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.