
TCBI Stock Forecast & Price Target
TCBI Analyst Ratings
Bulls say
Texas Capital Bancshares demonstrated solid financial performance with a quarterly increase in deposits of approximately $1 billion, excluding seasonal trends in the mortgage finance segment. The company also reported an improvement in its Common Equity Tier 1 (CET1) ratio, rising to 11.4% from 11.2%, indicating strengthened capital position. Additionally, while there was a slight uptick in non-performing assets to 0.65% of loans and other real estate owned, the positive outlook on fee income growth supports expectations for improved revenue guidance in the future.
Bears say
Texas Capital Bancshares exhibited a negative financial trajectory in the third quarter of 2024, marked by a decline in net interest margin (NIM) of 24 basis points to 2.95%, alongside a decrease in average non-interest bearing deposits by 1% quarter-over-quarter. Additionally, loan yields and warehouse loan yields fell by 44 basis points and 47 basis points, respectively, indicating a tightening financial environment. Furthermore, the company's earnings per share (EPS) forecasts for 2025 and 2026 have been lowered by 2% and 5%, respectively, reflecting concerns over future profitability driven by incremental investments and subdued loan performance.
This aggregate rating is based on analysts' research of Texas Capital Bancshares and is not a guaranteed prediction by Public.com or investment advice.
TCBI Analyst Forecast & Price Prediction
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