View ValuationTexas Capital Bancshares 향후 성장Future 기준 점검 2/6Texas Capital Bancshares (는) 각각 연간 4.5% 및 7.5% 수익과 수익이 증가할 것으로 예상됩니다. EPS는 연간 6.8% 만큼 성장할 것으로 예상됩니다. 자기자본이익률은 3년 후 9.9% 로 예상됩니다.핵심 정보4.5%이익 성장률6.76%EPS 성장률Banks 이익 성장8.7%매출 성장률7.5%향후 자기자본이익률9.94%애널리스트 커버리지Good마지막 업데이트23 Jul 2026최근 향후 성장 업데이트공고 • Jan 23Texas Capital Bancshares, Inc. Provides Earnings Guidance for the Year 2026Texas Capital Bancshares, Inc. provided earnings guidance for the year 2026. For the year, the company expects total revenue growth in the mid- to high single-digit range, driven by industry-leading client adoption and continued growth in fee income areas of focus with full year noninterest revenue expected to reach $265 million to $290 million. Anticipated noninterest expense growth in the mid-single digits reflects increased compensation expense tied to improved performance, targeted expansion in defined client coverage areas, and platform investments meant to expand upon best-in-class client execution, further enhancing our operating resilience and supporting future enhancements to structural profitability.공고 • Oct 24Texas Capital Bancshares, Inc. Reaffirms Earnings Guidance for the Full Year 2025Texas Capital Bancshares, Inc. reaffirmed earnings guidance for the full year 2025. For the period, company expects revenue guidance of low double-digit percent growth, reflecting confidence in the durability of diversified earnings platform and ability to drive consistent client engagement across a range of market conditions.모든 업데이트 보기Recent updatesReported Earnings • 1hSecond quarter 2026 earnings released: EPS: US$1.85 (vs US$1.60 in 2Q 2025)Second quarter 2026 results: EPS: US$1.85 (up from US$1.60 in 2Q 2025). Revenue: US$317.5m (up 8.6% from 2Q 2025). Net income: US$80.6m (up 10% from 2Q 2025). Profit margin: 25% (in line with 2Q 2025). Revenue is forecast to grow 7.5% p.a. on average during the next 3 years, compared to a 6.8% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 13% per year whereas the company’s share price has increased by 15% per year.공고 • 18h+ 1 more updateTexas Capital Bancshares, Inc. Reports Net Charge Offs for the Second Quarter Ended June 30, 2026Texas Capital Bancshares, Inc. reported net charge offs for the second quarter ended June 30, 2026. For the period, the company reported net charge-offs of $16,083,000 compared to $12,965,000 a year ago.공고 • Jul 13Texas Capital Bancshares, Inc. Announces Appointment of Mo Jamous as Managing Director and Chief Digital and Information Officer, Effective July 13, 2026Texas Capital Bancshares, Inc. announced the appointment of Mo Jamous as Managing Director, Chief Digital and Information Officer, effective July 13, 2026. In this role, Jamous will lead the firm’s technology strategy and organization, including infrastructure, enterprise architecture, application development, data platforms, artificial intelligence (AI) enablement and information security. Jamous will report to Rob C. Holmes, Chairman, President & Chief Executive Officer of Texas Capital, and serve as a member of the firm’s Operating Council. Jamous joined Texas Capital from U.S. Bank, where he most recently served as the Chief Information Officer for Consumer, Business Banking and AI/ML Technologies. At U.S. Bank, he led technology strategy and delivery for consumer and business banking platforms, digital channels, data platforms and enterprise AI initiatives. Prior, Jamous was Head of Global Digital Technologies at BBVA, where he helped lead the bank’s global digital transformation and oversaw technology teams responsible for award-winning mobile and digital banking experiences across international markets.공고 • Jul 09Texas Capital Bancshares, Inc. to Report Q2, 2026 Results on Jul 22, 2026Texas Capital Bancshares, Inc. announced that they will report Q2, 2026 results After-Market on Jul 22, 2026공고 • Jun 29Texas Capital Bancshares, Inc.(NasdaqGS:TCBI) dropped from Russell 2000 Dynamic IndexTexas Capital Bancshares, Inc.(NasdaqGS:TCBI) dropped from Russell 2000 Dynamic IndexRecent Insider Transactions • Jun 11Insider recently sold €306k worth of stockOn the 9th of June, Anna Alvarado-Pearce sold around 4k shares on-market at roughly €87.32 per share. This transaction amounted to 13% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Despite this recent sale, insiders have collectively bought €123k more than they sold in the last 12 months.공고 • Apr 24+ 1 more updateTexas Capital Bancshares, Inc. Announces Net Charge-Offs for First Quarter Ended March 31, 2026Texas Capital Bancshares, Inc. announced net charge-offs for first quarter March 31, 2026. For first quarter of 2026, the company announced Net charge-offs of $17.4 million compared to net charge-offs of $10.7 million and $9.8 million during the fourth quarter of 2025 and the first quarter of 2025, respectively.공고 • Apr 10Texas Capital Bancshares, Inc. to Report Q1, 2026 Results on Apr 23, 2026Texas Capital Bancshares, Inc. announced that they will report Q1, 2026 results Pre-Market on Apr 23, 2026공고 • Mar 13Texas Capital Bancshares, Inc., Annual General Meeting, Apr 21, 2026Texas Capital Bancshares, Inc., Annual General Meeting, Apr 21, 2026. Location: texas capital canter, 2000 mckinney avenue, 7th floor, texas 75201, dallas United States공고 • Jan 23Texas Capital Bancshares, Inc. Provides Earnings Guidance for the Year 2026Texas Capital Bancshares, Inc. provided earnings guidance for the year 2026. For the year, the company expects total revenue growth in the mid- to high single-digit range, driven by industry-leading client adoption and continued growth in fee income areas of focus with full year noninterest revenue expected to reach $265 million to $290 million. Anticipated noninterest expense growth in the mid-single digits reflects increased compensation expense tied to improved performance, targeted expansion in defined client coverage areas, and platform investments meant to expand upon best-in-class client execution, further enhancing our operating resilience and supporting future enhancements to structural profitability.공고 • Jan 22+ 1 more updateTexas Capital Bancshares, Inc. (NasdaqGS:TCBI) announces an Equity Buyback for $200 million worth of its shares.Texas Capital Bancshares, Inc. (NasdaqGS:TCBI) announces a share repurchase program. Under the program, the company will repurchase up to $200 million worth of its outstanding common stock. The program will expire on December 31, 2026.공고 • Jan 09Texas Capital Bancshares, Inc. to Report Q4, 2025 Results on Jan 22, 2026Texas Capital Bancshares, Inc. announced that they will report Q4, 2025 results Pre-Market on Jan 22, 2026공고 • Oct 24Texas Capital Bancshares, Inc. Reaffirms Earnings Guidance for the Full Year 2025Texas Capital Bancshares, Inc. reaffirmed earnings guidance for the full year 2025. For the period, company expects revenue guidance of low double-digit percent growth, reflecting confidence in the durability of diversified earnings platform and ability to drive consistent client engagement across a range of market conditions.공고 • Oct 23Texas Capital Bancshares, Inc. Announces Net Charge-Offs for the Quarter Ended September 30, 2025Texas Capital Bancshares, Inc. announces Net charge-offs for the quarter ended September 30, 2025. Net charge-offs of $13.7 million were recorded during the third quarter of 2025, compared to net charge-offs of $13.0 million and $6.1 million during the second quarter of 2025 and the third quarter of 2024, respectively.공고 • Oct 09Texas Capital Bancshares, Inc. to Report Q3, 2025 Results on Oct 22, 2025Texas Capital Bancshares, Inc. announced that they will report Q3, 2025 results After-Market on Oct 22, 2025공고 • Jul 17Texas Capital Bancshares, Inc. Reports Net Charge-Offs for the Second Quarter Ended June 30, 2025Texas Capital Bancshares, Inc. reported net charge-Offs for the second quarter ended June 30, 2025. For the quarter, net charge-offs of $13.0 million were recorded during the second quarter of 2025, compared to net charge-offs of $9.8 million and $12.0 million during the first quarter of 2025 and the second quarter of 2024, respectively.공고 • Jul 04Texas Capital Bancshares, Inc. to Report Q2, 2025 Results on Jul 17, 2025Texas Capital Bancshares, Inc. announced that they will report Q2, 2025 results Pre-Market on Jul 17, 2025공고 • Apr 23Texas Capital Bancshares, Inc. Appoints Ranjana B. Clark to Board of Directors, Effective April 15, 2025Texas Capital Bancshares, Inc. announced the appointment of Ranjana B. Clark to its Board of Directors, effective April 15, 2025. Clark will serve as a member of the Audit and Technology Committees. Clark has over 35 years of executive experience in the financial services and technology industries, with previous leadership roles spanning payments, marketing, strategy and business operations. Most recently, she served as Head of Global Transaction Banking at Mitsubishi UFJ Financial Group (MUFG), and previously as Head of Transaction Banking, Americas. Before MUFG, she was Chief Customer and Marketing Officer at PayPal Inc. Clark is a fellow at Stanford University’s Distinguished Careers Institute and serves on the President’s Leadership Council of the Asia Foundation. In addition to joining the board of Texas Capital, she serves on the boards of Xometry Inc. (Chair, Compensation Committee; Member, Nominating & Corporate Governance Committee), InvestCloud Inc. and StanCorp Financial Group Inc. Clark earned a Bachelor of Arts in economics at the University of Delhi; a Master of Business Administration with a marketing concentration at the Indian Institute of Management, Ahmedabad; and a Master of Business Administration with a finance concentration at the Fuqua School of Business at Duke University.공고 • Apr 18Texas Capital Bancshares, Inc. Reports Net Charge-Offs for the First Quarter Ended March 31, 2025Texas Capital Bancshares, Inc. reported net charge-offs for the first quarter ended March 31, 2025. For the quarter, the company reported net charge-offs of $9,797,000 against $10,764,000 a year ago.공고 • Apr 16Texas Capital Bancshares, Inc. Announces Board ChangesTexas Capital Bancshares, Inc. announced that President & Chief Executive Officer Rob C. Holmes was confirmed as Chairman of the Board of Directors at the conclusion of TCBI’s 2025 Annual Meeting of Stockholders. Holmes, who has served as President & Chief Executive Officer and a Director of the Board since 2021, was unanimously elected to this position by the Board of Directors in January 2025. Bob Stallings, who served as Chairman since 2023, has officially transitioned into the role of Lead Independent Director.공고 • Apr 04Texas Capital Bancshares, Inc. to Report Q1, 2025 Results on Apr 17, 2025Texas Capital Bancshares, Inc. announced that they will report Q1, 2025 results Pre-Market on Apr 17, 2025공고 • Mar 07Texas Capital Bancshares, Inc., Annual General Meeting, Apr 15, 2025Texas Capital Bancshares, Inc., Annual General Meeting, Apr 15, 2025. Location: texas capital center, 2000 mckinney avenue, 7th floor, texas 75201, dallas United States공고 • Jan 23+ 2 more updatesTexas Capital Bancshares, Inc. (NasdaqGS:TCBI) announces an Equity Buyback for $200 million worth of its shares.Texas Capital Bancshares, Inc. (NasdaqGS:TCBI) announces a share repurchase program. Under the program, the company will repurchase up to $200 million worth of its outstanding common stock. The program will expire on January 31, 2026.공고 • Jan 10Texas Capital Bancshares, Inc. to Report Q4, 2024 Results on Jan 23, 2025Texas Capital Bancshares, Inc. announced that they will report Q4, 2024 results Pre-Market on Jan 23, 2025공고 • Jan 02Texas Capital Bancshares, Inc. Appoints Aimee Williams-Ramey as Its Chief Human Resources OfficerTexas Capital Bancshares, Inc. announced the appointment of Aimee Williams-Ramey as its Chief Human Resources Officer (CHRO), effective immediately. Williams-Ramey now reports directly to Texas Capital’s President & Chief Executive Officer Rob C. Holmes and serves as a member of the firm’s Operating Committee. Williams-Ramey joined Texas Capital in May 2024 as Deputy General Counsel and Assistant Corporate Secretary, bringing more than 25 years of experience across legal, corporate governance, human resources, ethics and compliance, regulatory matters, communications and operations to the firm. In her new role as CHRO, Williams-Ramey will lead the firm’s human capital strategy, including talent acquisition and development, compensation, benefits and employee engagement, as part of Texas Capital’s commitment to cultivating world-class talent and fostering a high-performance culture. Prior to Texas Capital, Williams-Ramey served as Chief Legal Officer & Corporate Secretary, President of International Operations and Interim Head of Human Resources at Six Flags Entertainment Corporation, where she oversaw human resources for more than 25,000 employees and played a pivotal role in shaping the organization’s strategy and culture. She has also served in executive leadership roles at Sabre Corporation, as its General Counsel and member of the executive leadership team, and FINRA, as its regional Chief Counsel, where she guided both organizations through significant transformations.Reported Earnings • Oct 18Third quarter 2024 earnings released: US$1.42 loss per share (vs US$1.20 profit in 3Q 2023)Third quarter 2024 results: US$1.42 loss per share (down from US$1.20 profit in 3Q 2023). Revenue: US$115.3m (down 56% from 3Q 2023). Net loss: US$65.6m (down 214% from profit in 3Q 2023). Revenue is forecast to grow 18% p.a. on average during the next 3 years, compared to a 3.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 14% per year but the company’s share price has increased by 12% per year, which means it is well ahead of earnings.공고 • Oct 17Texas Capital Bancshares, Inc. Reports Net Charge-Offs for the Third Quarter Ended September 30, 2024Texas Capital Bancshares, Inc. reported net charge-offs for the third quarter ended September 30, 2024. For the quarter, the company reported Net charge-offs of $6,083,000 against $8,941,000 reported a year ago.공고 • Oct 04Texas Capital Bancshares, Inc. to Report Q3, 2024 Results on Oct 17, 2024Texas Capital Bancshares, Inc. announced that they will report Q3, 2024 results Pre-Market on Oct 17, 2024공고 • Aug 06+ 1 more updateTexas Capital Launches Texas Capital Direct Lending PlatformTexas Capital Bancshares, Inc. announced the launch of its Texas Capital Direct Lending platform. Focused on providing non-bank private capital to the middle market, TCDL will form an integral part of Texas Capital’s Corporate & Investment Bank and will enable Texas Capital clients and prospects to access a wider array of capital solutions. Texas Capital expects TCDL to focus on senior secured floating rate term loans targeting Texas-based middle market companies and private equity sponsors. Texas Capital Direct Lending, in combination with the broader Texas Capital platform, will seek to provide a seamless source of capital for its borrowers. TCDL intends to lend to middle market companies generating between $5 million and $50 million in EBITDA, with a primary focus on companies between $10 million and $30 million in EBITDA. The strategy will benefit from Texas Capital’s Corporate and Commercial Banking coverage teams, who are already dedicated to serving clients and prospects across Texas.Buy Or Sell Opportunity • Jul 25Now 21% undervaluedOver the last 90 days, the stock has risen 12% to €60.50. The fair value is estimated to be €76.52, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 6.0% over the last 3 years, while earnings per share has been flat. Revenue is forecast to grow by 21% in 2 years. Earnings are forecast to grow by 33% in the next 2 years.Reported Earnings • Jul 19Second quarter 2024 earnings released: EPS: US$0.80 (vs US$1.34 in 2Q 2023)Second quarter 2024 results: EPS: US$0.80 (down from US$1.34 in 2Q 2023). Revenue: US$247.0m (down 8.9% from 2Q 2023). Net income: US$37.4m (down 42% from 2Q 2023). Profit margin: 15% (down from 24% in 2Q 2023). The decrease in margin was primarily driven by lower revenue. Revenue is forecast to grow 9.2% p.a. on average during the next 3 years, compared to a 3.2% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 1% per year but the company’s share price has increased by 5% per year, which means it is well ahead of earnings.공고 • Jul 19Texas Capital Bancshares, Inc. Reports Net Charge-Offs for the Second Quarter Ended June 30, 2024Texas Capital Bancshares, Inc. reported net charge-offs for the second quarter ended June 30, 2024. For the quarter, the company reported Net charge-offs of $11,955,000 compared to net charge-offs of $8,239,000 a year ago.Valuation Update With 7 Day Price Move • Jul 17Investor sentiment improves as stock rises 15%After last week's 15% share price gain to €64.00, the stock trades at a forward P/E ratio of 19x. Average forward P/E is 8x in the Banks industry in Europe. Total returns to shareholders of 24% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €85.88 per share.공고 • Jul 06Texas Capital Bancshares, Inc. to Report Q2, 2024 Results on Jul 18, 2024Texas Capital Bancshares, Inc. announced that they will report Q2, 2024 results Pre-Market on Jul 18, 2024공고 • Jun 27Texas Capital Appoints Brett Fenn as Managing Director and Head of Business BankingTexas Capital Bancshares, Inc. announced that Brett Fenn has been appointed to serve as Managing Director, Head of Business Banking, effective immediately. Based in Houston, Texas, Fenn will lead a skilled team of bankers across five cities within the state, with a focus on cultivating strong client relationships and driving the company’s growth. In his role, he will continue the firm’s leadership in delivering to Business Banking clients best-in-class products and solutions with a strong focus on client service. Fenn will report directly to Jay Clingman, Managing Director, Head of Commercial Banking, who oversees commercial strategy and client base expansion. Fenn joined Texas Capital in 2022, serving as a Managing Director in the firm’s Investment Bank focused on Interest Rate Derivatives Structuring and Marketing. In this role, he has provided strategic guidance on macroeconomic trends and interest rate hedging strategies to management teams, sponsors, and boards of both public and private clients. Additionally, he will continue to serve as the Co-Chair of the firm’s Houston Market Leadership Team.공고 • May 23Texas Capital Bancshares, Inc. Announces Executive ChangesTexas Capital Bancshares, Inc. announced the appointment of David Oman to serve as the firm’s Chief Risk Officer (CRO), effective June 10, 2024. Oman will report directly to Texas Capital’s President & Chief Executive Officer Rob C. Holmes and serve as a member of the firm’s Operating Committee. As previously announced, Tim Storms, Texas Capital’s current CRO will retire next month and continue to serve as an advisor to the firm through the end of 2024. Oman joins Texas Capital from PricewaterhouseCoopers (PwC) where he served as a Managing Director in the firm’s financial risk practice. Prior to PwC, he led strategic execution in market risk, global markets infrastructure, credit risk review, global wealth and investment management, emerging markets risk and counterparty risk for firms in New York and London, including Bank of New York Mellon, Credit Suisse AG, Bank of America Merrill Lynch and UBS, among others. As CRO, Oman will manage Texas Capital’s risk functions, enterprise risk management practices and programs in addition to regulatory compliance. He will be responsible for the strategic development and execution of continued enhancements to the firm’s risk management culture and capabilities that will further optimize proactive risk assessment and mitigation.공고 • May 18Texas Capital Bancshares, Inc. Appoints Mark Midkiff to Board of DirectorsTexas Capital Bancshares, Inc. announced the appointment of Mark Midkiff to its Board of Directors, effective June 1, 2024. Midkiff will also serve as a member of the Board’s Risk Committee. Midkiff brings nearly three decades of experience to Texas Capital. Most recently, Midkiff served as chief risk officer at KeyCorp where he reported directly to the CEO. In this role, he oversaw comprehensive risk management functions, including enterprise, credit, market, compliance and operational risk. Midkiff also served as chairman of KeyBank National Association and as a member of KeyCorp's executive leadership team and executive council. Midkiff joined KeyCorp from BB&T where he served as deputy chief credit officer. Prior to this, he served as the global chief risk officer at GE Capital, where he transformed the Global Risk Management division during a major organizational restructuring. He led and evolved risk functions within all business units, directing a diverse team of chief risk officers across 20 countries. Midkiff currently serves on the Advisory Council of the International Association of Credit Portfolio Managers and is a board and executive committee member of ProSight (formerly the Risk Management Association). Midkiff earned a Bachelor of Science in Business Administration and Management from the University of North Carolina at Chapel Hill. He also attended Wachovia’s Executive Leadership Program at Duke University and The Wharton/RMA Executive Risk Management Program.공고 • Apr 19Tim J. Storms Plans to Retire as Managing Director and Chief Risk Officer of Capital Bancshares, Inc. and Texas Capital Bank on or Around June 15, 2024Texas Capital Bancshares, Inc. announced that, on April 13, 2024, Tim J. Storms, Managing Director and Chief Risk Officer of the Company and Texas Capital Bank, informed the Company that he plans to retire on or around June 15, 2024. The Company intends to conduct a search to fill the role of Chief Risk Officer. Following his retirement, it is expected that Mr. Storms will provide certain consulting and advisory services to the Company and Texas Capital Bank to ensure a smooth and orderly transition of his responsibilities.Reported Earnings • Apr 18First quarter 2024 earnings released: EPS: US$0.46 (vs US$0.71 in 1Q 2023)First quarter 2024 results: EPS: US$0.46 (down from US$0.71 in 1Q 2023). Revenue: US$237.3m (down 3.0% from 1Q 2023). Net income: US$21.8m (down 36% from 1Q 2023). Profit margin: 9.2% (down from 14% in 1Q 2023). The decrease in margin was primarily driven by lower revenue. Revenue is forecast to grow 7.5% p.a. on average during the next 3 years, compared to a 3.3% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 11% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.공고 • Apr 05Texas Capital Bancshares, Inc. to Report Q1, 2024 Results on Apr 18, 2024Texas Capital Bancshares, Inc. announced that they will report Q1, 2024 results Pre-Market on Apr 18, 2024New Risk • Feb 18New minor risk - Insider sellingThere has been significant insider selling in the company's shares over the past 3 months. Total value of shares sold: €346k This is considered a minor risk. There are several reasons why an insider may be selling, including to cover a tax obligation or pay for some other expense. However, we generally consider it a negative if insiders have been selling, especially if they do so below the current price. It implies that they considered a lower price to be reasonable. This is a weak signal, but if there is a pattern of unexplained selling, it can be a sign the insider believes the company's stock is overpriced. Note: We only include open market transactions and private dispositions of directly owned stock by individuals, not by corporations or trusts. Currently, the following risks have been identified for the company: Minor Risks Profit margins are more than 30% lower than last year (17% net profit margin). Significant insider selling over the past 3 months (€346k sold).Reported Earnings • Jan 19Full year 2023 earnings released: EPS: US$3.58 (vs US$6.25 in FY 2022)Full year 2023 results: EPS: US$3.58 (down from US$6.25 in FY 2022). Revenue: US$1.00b (down 13% from FY 2022). Net income: US$171.9m (down 46% from FY 2022). Profit margin: 17% (down from 27% in FY 2022). The decrease in margin was driven by lower revenue. Revenue is forecast to grow 6.1% p.a. on average during the next 2 years, compared to a 2.1% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 26% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.공고 • Jan 18+ 1 more updateTexas Capital Bancshares, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2023Texas Capital Bancshares, Inc. reported net charge-offs for the fourth quarter ended December 31, 2023. Net charge-offs of $13.8 million were recorded during the fourth quarter of 2023 compared to net charge-offs of $15.0 million during the fourth quarter of 2022.공고 • Jan 05Texas Capital Bancshares, Inc. to Report Q4, 2023 Results on Jan 18, 2024Texas Capital Bancshares, Inc. announced that they will report Q4, 2023 results Pre-Market on Jan 18, 2024Recent Insider Transactions • Nov 21Independent Chairman recently bought €458k worth of stockOn the 17th of November, Robert Stallings bought around 9k shares on-market at roughly €50.84 per share. This transaction amounted to 3.3% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Robert has been a buyer over the last 12 months, purchasing a net total of €5.1m worth in shares.Recent Insider Transactions • Oct 25Independent Chairman recently bought €412k worth of stockOn the 20th of October, Robert Stallings bought around 8k shares on-market at roughly €51.49 per share. This transaction amounted to 3.0% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Robert has been a buyer over the last 12 months, purchasing a net total of €5.0m worth in shares.Reported Earnings • Oct 20Third quarter 2023 earnings released: EPS: US$1.19 (vs US$0.74 in 3Q 2022)Third quarter 2023 results: EPS: US$1.19 (up from US$0.74 in 3Q 2022). Revenue: US$260.9m (up 3.4% from 3Q 2022). Net income: US$61.7m (up 66% from 3Q 2022). Profit margin: 24% (up from 15% in 3Q 2022). The increase in margin was primarily driven by lower expenses. Revenue is expected to decline by 2.8% p.a. on average during the next 3 years, while revenues in the Banks industry in Europe are expected to grow by 3.7%. Over the last 3 years on average, earnings per share has increased by 42% per year but the company’s share price has only increased by 14% per year, which means it is significantly lagging earnings growth.공고 • Oct 07Texas Capital Bancshares, Inc. to Report Q3, 2023 Results on Oct 19, 2023Texas Capital Bancshares, Inc. announced that they will report Q3, 2023 results Pre-Market on Oct 19, 2023공고 • Sep 22Texas Capital Appoints Amos McDonald to Lead Business BankingTexas Capital Bancshares, Inc. announced that the firm has appointed Amos McDonald as head of Business Banking, effective immediately. McDonald is based in The Woodlands, Texas, and is responsible for setting and driving production goals within the firm’s Business Banking division and leading a seasoned team of bankers. He reports to Texas Capital Managing Director and Head of Commercial Banking Jay Clingman, who is responsible for the firm’s commercial strategy and expanding its commercial client base. McDonald has been with Texas Capital for two years, previously serving as Business Banking group manager for The Woodlands market. In this role he consistently led the Business Banking division in developing meaningful client relationships, orchestrated successful events to bolster brand recognition and acquire new clients and established a thriving business banking team from the ground up within six months. Prior to joining Texas Capital, he served as the market president for Brazos Valley at BBVA USA.공고 • Sep 14Texas Capital Bancshares, Inc. Appoints Marc Graham as Head of EnergyTexas Capital Bancshares, Inc. announced key leadership appointments and enhanced capabilities as part of its Corporate & Investment Bank offerings for the energy sector. Texas Capital has brought on energy finance veteran Marc Graham as head of Energy as well as a team of seasoned energy investment banking veterans, all of whom are equipped with deep industry and technical knowledge and experience in providing innovative solutions to support clients across the energy sector. As head of Energy, Graham is responsible for the growth of the energy vertical and delivering market-leading talent and full-service solutions to Texas Capital clients on a global basis. Graham brings more than 20 years of experience to the role and is based in Houston. In addition to Graham’s appointment, Texas Capital announced that managing directors Michael Bodino, Christian Gibson and Randall Byrne have joined the Energy investment banking team, together with an experienced team of financial and technical professionals, to drive business growth and client acquisition in the energy vertical. Bodino, Gibson and Byrne have more than 75 years of combined investment banking experience covering approximately 500 successful transactions across a broad range of capital markets and advisory services transactions, including acquisitions and divestitures.Recent Insider Transactions • Aug 07Independent Chairman recently bought €281k worth of stockOn the 2nd of August, Robert Stallings bought around 5k shares on-market at roughly €56.26 per share. This transaction amounted to 1.9% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Robert has been a buyer over the last 12 months, purchasing a net total of €6.3m worth in shares.공고 • Jul 22Texas Capital Bancshares, Inc. Reports Net Charge-Offs for the Second Quarter of 2023Texas Capital Bancshares, Inc. reported net charge-offs for the second quarter of 2023. Net charge-offs of $8.2 million were recorded during the second quarter of 2023, compared to net charge-offs of $19.9 million and $2.6 million during the first quarter of 2023 and the second quarter of 2022, respectively.Reported Earnings • Jul 20Second quarter 2023 earnings released: EPS: US$1.34 (vs US$0.59 in 2Q 2022)Second quarter 2023 results: EPS: US$1.34 (up from US$0.59 in 2Q 2022). Revenue: US$271.0m (up 29% from 2Q 2022). Net income: US$64.3m (up 116% from 2Q 2022). Profit margin: 24% (up from 14% in 2Q 2022). The increase in margin was driven by higher revenue. Revenue is expected to decline by 5.9% p.a. on average during the next 3 years, while revenues in the Banks industry in Europe are expected to grow by 4.4%. Over the last 3 years on average, earnings per share has increased by 42% per year but the company’s share price has only increased by 31% per year, which means it is significantly lagging earnings growth.공고 • Jul 08Texas Capital Bancshares, Inc. to Report Q2, 2023 Results on Jul 20, 2023Texas Capital Bancshares, Inc. announced that they will report Q2, 2023 results Pre-Market on Jul 20, 2023공고 • Jun 28Texas Capital Bancshares, Inc. Launches Innovative Onboarding Technology Solution for Commercial BusinessesTexas Capital Bancshares, Inc. has announced the launch of Texas Capital Initio(TM), an internally developed, proprietary digital onboarding solution designed to revolutionize the commercial banking experience by simplifying and accelerating the process of opening an account. Initio, a market-leading cloud native software application, enables businesses to open commercial accounts within days, a significant improvement compared to other options that can often take multiple weeks. The solution does so by eliminating the burdensome and time-consuming manual processes traditionally associated with account onboarding, replacing them with a streamlined, automated approach that includes the ability to submit key data electronically and an option for electronic signatures. As of the first quarter of 2023, Texas Capital now onboards over 70% of all treasury clients digitally with Initio. By reducing the time and effort required for account setup, this technology empowers businesses to focus on their core operations, driving growth and operational efficiency.Recent Insider Transactions • Jun 03Independent Chairman recently bought €223k worth of stockOn the 31st of May, Robert Stallings bought around 5k shares on-market at roughly €44.66 per share. This transaction amounted to 2.0% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger purchase worth €1.1m. Robert has been a buyer over the last 12 months, purchasing a net total of €7.4m worth in shares.Valuation Update With 7 Day Price Move • May 18Investor sentiment improves as stock rises 20%After last week's 20% share price gain to €47.40, the stock trades at a forward P/E ratio of 13x. Average forward P/E is 7x in the Banks industry in Europe. Total returns to shareholders of 82% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €67.09 per share.Recent Insider Transactions • Apr 27Independent Chairman recently bought €983k worth of stockOn the 24th of April, Robert Stallings bought around 21k shares on-market at roughly €46.81 per share. This transaction amounted to 12% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Robert has been a buyer over the last 12 months, purchasing a net total of €6.3m worth in shares.Reported Earnings • Apr 20First quarter 2023 earnings released: EPS: US$0.71 (vs US$0.70 in 1Q 2022)First quarter 2023 results: EPS: US$0.71. Revenue: US$244.7m (up 19% from 1Q 2022). Net income: US$34.3m (down 2.8% from 1Q 2022). Profit margin: 14% (down from 17% in 1Q 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to stay flat during the next 3 years compared to a 5.7% growth forecast for the Banks industry in Europe.Valuation Update With 7 Day Price Move • Mar 15Investor sentiment deteriorates as stock falls 22%After last week's 22% share price decline to €47.60, the stock trades at a forward P/E ratio of 14x. Average forward P/E is 8x in the Banks industry in Europe. Total returns to shareholders of 97% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €68.91 per share.Recent Insider Transactions • Mar 10Independent Director recently bought €308k worth of stockOn the 2nd of March, Robert Stallings bought around 5k shares on-market at roughly €61.52 per share. This transaction amounted to 2.8% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought €6.3m more in shares than they have sold in the last 12 months.Buying Opportunity • Mar 08Now 20% undervaluedOver the last 90 days, the stock is up 13%. The fair value is estimated to be €75.87, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 4.2% over the last 3 years. Earnings per share has grown by 12%. Revenue is forecast to grow by 2.3% in 2 years. Earnings is forecast to decline by 33% in the next 2 years.Reported Earnings • Jan 19Full year 2022 earnings released: EPS: US$6.25 (vs US$4.65 in FY 2021)Full year 2022 results: EPS: US$6.25 (up from US$4.65 in FY 2021). Revenue: US$1.16b (up 24% from FY 2021). Net income: US$315.2m (up 34% from FY 2021). Profit margin: 27% (up from 25% in FY 2021). The increase in margin was driven by higher revenue. Revenue is forecast to grow 1.1% p.a. on average during the next 2 years, compared to a 5.2% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.공고 • Jan 19+ 1 more updateTexas Capital Bancshares, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2022Texas Capital Bancshares, Inc. reported net charge-offs for the fourth quarter ended December 31, 2022. For the quarter, the company reported net charge-offs of $14,999,000 against $1,037,000 a year ago.Buying Opportunity • Jan 18Now 21% undervaluedThe stock has been flat over the last 90 days. The fair value is estimated to be €71.78, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 7.5%. Revenue is forecast to grow by 29% in 2 years. Earnings is forecast to grow by 35% in the next 2 years.공고 • Jan 13Texas Capital Bancshares, Inc. Appoints Dustin Cosper as Head of Commercial Real EstateTexas Capital Bancshares, Inc. announced that Dustin Cosper has been appointed to serve as Head of Commercial Real Estate, effective immediately. As Head of Commercial Real Estate Mr. Cosper is responsible for driving the execution of the Bank’s real estate strategy while working cohesively with other lines of business to provide full-service solutions to clients. Mr. Cosper will report to Madison Simm, President of Real Estate, who leads the Bank’s Commercial Real Estate, Mortgage Finance, and Homebuilder and Community Finance lines of business. Mr. Cosper has invested 10 years in Texas Capital Bank’s Commercial Real Estate organization, having previously served as Senior Vice President, Group Manager. Prior to Texas Capital Bank, he served as Vice President, Senior Workout Officer for Texas Community Bank in Houston, Texas, leading the special assets team. Mr. Cosper joined Texas Capital Bank in 2013 in the Commercial Real Estate division, as a Vice President. Over the past five years, he absorbed the Senior Housing portfolio, generated one of the largest books of business in the Bank, and developed its CRE Structured Finance practice. In 2023, Mr. Cosper was appointed to the role of Head of Commercial Real Estate for Texas Capital Bank, responsible for driving the execution of the Bank’s real estate strategy forward. Prior to Texas Capital Bank, he served as Vice President, Senior Workout Officer for Texas Community Bank in Houston, Texas, leading the special assets team. In his role, Mr. Cosper oversaw the liquidation of criticized and non-performing assets, negotiated real estate sales, and devised litigation and bankruptcy-related strategy and ultimately the liquidation of the bank. Mr. Cosper earned a Bachelor of Business Administration and a Master of Business Administration in Finance and Banking from Sam Houston State University.공고 • Jan 06Texas Capital Bancshares, Inc. to Report Q4, 2022 Results on Jan 18, 2023Texas Capital Bancshares, Inc. announced that they will report Q4, 2022 results at 4:00 PM, US Eastern Standard Time on Jan 18, 2023Recent Insider Transactions • Dec 11Independent Director recently bought €269k worth of stockOn the 8th of December, Robert Stallings bought around 5k shares on-market at roughly €53.85 per share. This transaction amounted to 2.9% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger purchase worth €842k. Insiders have collectively bought €6.0m more in shares than they have sold in the last 12 months.Recent Insider Transactions • Oct 26Executive VP & Chief Risk Officer recently bought €255k worth of stockOn the 24th of October, Timothy Storms bought around 4k shares on-market at roughly €57.89 per share. This transaction amounted to 38% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger purchase from another insider worth €1.2m. Insiders have collectively bought €6.2m more in shares than they have sold in the last 12 months.Reported Earnings • Oct 22Third quarter 2022 earnings released: EPS: US$0.74 (vs US$0.77 in 3Q 2021)Third quarter 2022 results: EPS: US$0.74 (down from US$0.77 in 3Q 2021). Revenue: US$252.4m (up 20% from 3Q 2021). Net income: US$37.1m (down 5.0% from 3Q 2021). Profit margin: 15% (down from 19% in 3Q 2021). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 9.4% p.a. on average during the next 3 years, compared to a 5.4% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 7% per year but the company’s share price has increased by 4% per year, which means it is well ahead of earnings.Recent Insider Transactions • Jun 07Independent Director recently bought €104k worth of stockOn the 2nd of June, Elysia Ragusa bought around 2k shares on-market at roughly €52.12 per share. In the last 3 months, there was an even bigger purchase from another insider worth €1.1m. Insiders have collectively bought €7.3m more in shares than they have sold in the last 12 months.Recent Insider Transactions • May 26Independent Director recently bought €1.1m worth of stockOn the 24th of May, Robert Stallings bought around 23k shares on-market at roughly €47.51 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought €7.1m more in shares than they have sold in the last 12 months.Recent Insider Transactions • May 17Independent Director recently bought €97k worth of stockOn the 12th of May, Robert Stallings bought around 2k shares on-market at roughly €48.26 per share. In the last 3 months, they made an even bigger purchase worth €393k. Insiders have collectively bought €6.0m more in shares than they have sold in the last 12 months.Recent Insider Transactions • Apr 28Independent Director recently bought €393k worth of stockOn the 25th of April, Robert Stallings bought around 8k shares on-market at roughly €49.14 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought €5.7m more in shares than they have sold in the last 12 months.Reported Earnings • Apr 27First quarter 2022 earnings released: EPS: US$0.70 (vs US$1.35 in 1Q 2021)First quarter 2022 results: EPS: US$0.70 (down from US$1.35 in 1Q 2021). Revenue: US$205.8m (down 16% from 1Q 2021). Net income: US$35.3m (down 48% from 1Q 2021). Profit margin: 17% (down from 28% in 1Q 2021). The decrease in margin was driven by lower revenue. Over the next year, revenue is forecast to grow 6.8%, compared to a 8.1% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has fallen by 17% per year but the company’s share price has only fallen by 5% per year, which means it has not declined as severely as earnings.Reported Earnings • Apr 22First quarter 2022 earnings released: EPS: US$0.70 (vs US$1.35 in 1Q 2021)First quarter 2022 results: EPS: US$0.70 (down from US$1.35 in 1Q 2021). Revenue: US$205.8m (down 16% from 1Q 2021). Net income: US$35.3m (down 48% from 1Q 2021). Profit margin: 17% (down from 28% in 1Q 2021). The decrease in margin was driven by lower revenue. Over the next year, revenue is forecast to grow 7.0%, compared to a 8.2% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has fallen by 17% per year but the company’s share price has only fallen by 4% per year, which means it has not declined as severely as earnings.Buying Opportunity • Mar 02Now 23% undervaluedOver the last 90 days, the stock is up 7.8%. The fair value is estimated to be US$71.48, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 21% per annum over the last 3 years.Reported Earnings • Jan 21Full year 2021 earnings: EPS in line with analyst expectations despite revenue beatFull year 2021 results: EPS: US$4.65 (up from US$1.12 in FY 2020). Revenue: US$937.1m (up 18% from FY 2020). Net income: US$235.2m (up 316% from FY 2020). Profit margin: 25% (up from 7.1% in FY 2020). The increase in margin was primarily driven by higher revenue. Revenue exceeded analyst estimates by 1.0%. Over the next year, revenue is expected to shrink by 2.5% compared to a 11% growth forecast for the banks industry in Germany. Over the last 3 years on average, earnings per share has fallen by 21% per year but the company’s share price has remained flat, which means it is well ahead of earnings.Recent Insider Transactions • Oct 27Non-Executive Chairman recently bought €260k worth of stockOn the 22nd of October, Larry Helm bought around 5k shares on-market at roughly €52.03 per share. In the last 3 months, there was an even bigger purchase from another insider worth €421k. This was Larry's only on-market trade for the last 12 months.Reported Earnings • Oct 21Third quarter 2021 earnings released: EPS US$0.77 (vs US$1.08 in 3Q 2020)The company reported a poor third quarter result with weaker earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$210.3m (down 12% from 3Q 2020). Net income: US$39.1m (down 28% from 3Q 2020). Profit margin: 19% (down from 23% in 3Q 2020). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 23% per year but the company’s share price has only fallen by 2% per year, which means it has not declined as severely as earnings.Recent Insider Transactions • Sep 04Executive VP & Chief Risk Officer recently bought €210k worth of stockOn the 2nd of September, Timothy Storms bought around 4k shares on-market at roughly €50.44 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought €678k more in shares than they have sold in the last 12 months.Executive Departure • Sep 03Senior Consultant of Texas Capital Bank Vince Ackerson has left the companyOn the 31st of August, Vince Ackerson's tenure as Senior Consultant of Texas Capital Bank ended after less than a year in the role. As of June 2021, Vince still personally held 31.77k shares (€1.7m worth at the time). A total of 3 executives have left over the last 12 months. The current median tenure of the management team is less than a year, which is considered inexperienced in the Simply Wall St Risk Model.Reported Earnings • Jul 22Second quarter 2021 earnings released: EPS US$1.33 (vs US$0.73 loss in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: US$246.1m (up 36% from 2Q 2020). Net income: US$67.2m (up US$103.9m from 2Q 2020). Profit margin: 27% (up from net loss in 2Q 2020). The move to profitability was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 28% per year but the company’s share price has only fallen by 13% per year, which means it has not declined as severely as earnings.Recent Insider Transactions • Jun 02Independent Director recently sold €55k worth of stockOn the 27th of May, Jonathan Baliff sold around 976 shares on-market at roughly €56.71 per share. This was the largest sale by an insider in the last 3 months. Despite this recent sale, insiders have collectively bought €1.3m more than they sold in the last 12 months.Recent Insider Transactions • Apr 28Independent Director recently bought €269k worth of stockOn the 23rd of April, Robert Stallings bought around 5k shares on-market at roughly €53.87 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought €1.4m more in shares than they have sold in the last 12 months.Reported Earnings • Apr 24First quarter 2021 earnings released: EPS US$1.35 (vs US$0.38 loss in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$245.2m (up 70% from 1Q 2020). Net income: US$68.2m (up US$87.3m from 1Q 2020). Profit margin: 28% (up from net loss in 1Q 2020). Over the last 3 years on average, earnings per share has fallen by 29% per year but the company’s share price has only fallen by 13% per year, which means it has not declined as severely as earnings.Valuation Update With 7 Day Price Move • Mar 29Investor sentiment deteriorated over the past weekAfter last week's 24% share price decline to US$54.00, the stock trades at a forward P/E ratio of 18x. Average forward P/E is 11x in the Banks industry in Europe. Total loss to shareholders of 26% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €54.41 per share.공고 • Mar 12Texas Capital Bancshares, Inc., Annual General Meeting, Apr 20, 2021Texas Capital Bancshares, Inc., Annual General Meeting, Apr 20, 2021, at 09:00 US Eastern Standard Time. Location: offices of the Company located at 2000 McKinney Avenue, 7th Floor Dallas Texas United States Agenda: To consider election of ten directors, each to serve until the next annual meeting of stockholders or until their successors are elected and qualified; to consider approval, on an advisory basis, of the 2020 compensation of the Company’s named executive officers as described in the proxy statement; and to consider ratification of the appointment of Ernst & Young LLP as the independent registered public accounting firm of the Company for the year ending December 31, 2021.공고 • Feb 23Texas Capital Bancshares, Inc. and Texas Capital Bank, N.A Announces Executive ChangesTexas Capital Bank, N.A., and its parent company Texas Capital Bancshares, Inc. announced two additional executive leadership appointments. Tim Storms has been named Chief Risk Officer of both companies, effective immediately following the decision by John Turpen to step down as Chief Risk Officer. Mr. Turpen will continue to support Mr. Storms and the Company until March 31, 2021, to ensure an effective transition. Shannon Jurecka has been appointed to the newly created position of Chief Human Resources Officer, effective April 1, 2021, to advance the Company’s commitment to developing world-class talent and a high-performance culture. Mr. Storms and Ms. Jurecka will report directly to Rob C. Holmes, President and Chief Executive Officer of Texas Capital Bank, N.A. and Texas Capital Bancshares, Inc. As previously announced, Mr. Storms, who most recently served as Chief Risk Officer of the Commercial Banking’s Real Estate businesses at JPMorgan Chase & Co, was appointed Executive Vice President, Head of Risk Transformation at Texas Capital Bank in January 2021. Since that time, he has been working closely with Mr. Turpen and the risk management team to immerse himself in the organization and its approach to risk management. As Chief Risk Officer, Mr. Storms will manage all risk functions, enterprise risk management practices and programs, and regulatory compliance. He will be responsible for the strategic development and execution of continued enhancements to the Company’s risk management culture and capabilities that will further optimize proactive risk assessment and mitigation. As chair of the Executive Risk Committee, Mr. Storms will oversee the risk management framework and the bank’s risk appetite statements. As Chief Human Resources Officer, Ms. Jurecka will be responsible for the Company’s human capital strategy, including talent acquisition and development, compensation and benefits, and employee engagement. Ms. Jurecka brings more than 20 years of leadership experience in Human Resources. She joins Texas Capital Bank from Celanese Corporation, where she most recently served as Senior Vice President and Chief Human Resources Officer since 2017. Before joining Celanese, she held various senior positions in Human Resources at Bank of America Merrill Lynch, including in Global Risk, Consumer Operations and as the Bank of America West Region Sites Human Resources Executive. Ms. Jurecka has a strong track record of successfully managing top talent development programs and executing strategic human capital objectives across global platforms.Is New 90 Day High Low • Feb 18New 90-day high: €58.50The company is up 32% from its price of €44.40 on 19 November 2020. The German market is up 10.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 7.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €64.94 per share.Reported Earnings • Feb 11Full year 2020 earnings released: EPS US$1.12 (vs US$6.01 in FY 2019)The company reported a poor full year result with weaker earnings, revenues and profit margins. Full year 2020 results: Revenue: US$796.3m (down 19% from FY 2019). Net income: US$56.5m (down 81% from FY 2019). Profit margin: 7.1% (down from 31% in FY 2019). Net interest margin (NIM): 2.39% (down from 3.28% in FY 2019). Cost-to-income ratio: 66.8% (up from 56.0% in FY 2019). Over the last 3 years on average, earnings per share has fallen by 22% per year but the company’s share price has only fallen by 8% per year, which means it has not declined as severely as earnings.이익 및 매출 성장 예측DB:TCA - 애널리스트 향후 추정치 및 과거 재무 데이터 (USD Millions)날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수12/31/20281,531393N/AN/A212/31/20271,436357N/AN/A912/31/20261,342324N/AN/A96/30/20261,270347N/AN/AN/A3/31/20261,245340436447N/A12/31/20251,201313348360N/A9/30/20251,150283229249N/A6/30/2025937117385415N/A3/31/202589181337385N/A12/31/202486560415480N/A9/30/20248279588650N/A6/30/2024972132358412N/A3/31/2024996159416451N/A12/31/20231,004172357374N/A9/30/20231,268369106120N/A6/30/20231,2593498592N/A3/31/20231,1983148393N/A12/31/20221,159315137148N/A9/30/2022904163320325N/A6/30/2022861165361365N/A3/31/2022898202642532N/A12/31/2021937235769657N/A9/30/20219352321,1231,016N/A6/30/2021963248932826N/A3/31/20218971441,0501,053N/A12/31/2020796572,6372,640N/A9/30/2020812612,3552,359N/A6/30/202083592976987N/A3/31/2020889204N/A1,381N/A12/31/2019997302N/A-240N/A9/30/2019954310N/A-698N/A6/30/2019937307N/A515N/A3/31/2019925301N/A-521N/A12/31/2018906284N/A-680N/A9/30/2018913264N/A-421N/A6/30/2018872237N/A-227N/A3/31/2018838217N/A-24N/A12/31/2017792187N/A132N/A9/30/2017745191N/A-158N/A6/30/2017703175N/A-469N/A3/31/2017669163N/A-570N/A12/31/2016624145N/A-726N/A9/30/2016582132N/A-450N/A6/30/2016560126N/A-72N/A3/31/2016546125N/A39N/A12/31/2015551135N/A69N/A9/30/2015544138N/A133N/A더 보기애널리스트 향후 성장 전망수입 대 저축률: TCA 의 연간 예상 수익 증가율(4.5%)이 saving rate(1.9%)보다 높습니다.수익 vs 시장: TCA 의 연간 수익(4.5%)이 German 시장(15.9%)보다 느리게 성장할 것으로 예상됩니다.고성장 수익: TCA 의 수입은 증가할 것으로 예상되지만 상당히 증가하지는 않을 것입니다.수익 대 시장: TCA 의 수익(연간 7.5%)이 German 시장(연간 6.6%)보다 빠르게 성장할 것으로 예상됩니다.고성장 매출: TCA 의 수익(연간 7.5%)은 연간 20%보다 느리게 증가할 것으로 예상됩니다.주당순이익 성장 예측향후 자기자본이익률미래 ROE: TCA의 자본 수익률은 3년 후 9.9%로 낮을 것으로 예상됩니다.성장 기업 찾아보기7D1Y7D1Y7D1YBanks 산업의 고성장 기업.View Past Performance기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/07/23 00:41종가2026/07/23 00:00수익2026/06/30연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델의 세부 정보는 당사의 GitHub 페이지에서 확인하실 수 있습니다. 또한 보고서 사용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Texas Capital Bancshares, Inc.는 24명의 분석가가 다루고 있습니다. 이 중 10명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Jason GoldbergBarclaysJared David ShawBarclaysBrandon BermanBofA Global Research21명의 분석가 더 보기
공고 • Jan 23Texas Capital Bancshares, Inc. Provides Earnings Guidance for the Year 2026Texas Capital Bancshares, Inc. provided earnings guidance for the year 2026. For the year, the company expects total revenue growth in the mid- to high single-digit range, driven by industry-leading client adoption and continued growth in fee income areas of focus with full year noninterest revenue expected to reach $265 million to $290 million. Anticipated noninterest expense growth in the mid-single digits reflects increased compensation expense tied to improved performance, targeted expansion in defined client coverage areas, and platform investments meant to expand upon best-in-class client execution, further enhancing our operating resilience and supporting future enhancements to structural profitability.
공고 • Oct 24Texas Capital Bancshares, Inc. Reaffirms Earnings Guidance for the Full Year 2025Texas Capital Bancshares, Inc. reaffirmed earnings guidance for the full year 2025. For the period, company expects revenue guidance of low double-digit percent growth, reflecting confidence in the durability of diversified earnings platform and ability to drive consistent client engagement across a range of market conditions.
Reported Earnings • 1hSecond quarter 2026 earnings released: EPS: US$1.85 (vs US$1.60 in 2Q 2025)Second quarter 2026 results: EPS: US$1.85 (up from US$1.60 in 2Q 2025). Revenue: US$317.5m (up 8.6% from 2Q 2025). Net income: US$80.6m (up 10% from 2Q 2025). Profit margin: 25% (in line with 2Q 2025). Revenue is forecast to grow 7.5% p.a. on average during the next 3 years, compared to a 6.8% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 13% per year whereas the company’s share price has increased by 15% per year.
공고 • 18h+ 1 more updateTexas Capital Bancshares, Inc. Reports Net Charge Offs for the Second Quarter Ended June 30, 2026Texas Capital Bancshares, Inc. reported net charge offs for the second quarter ended June 30, 2026. For the period, the company reported net charge-offs of $16,083,000 compared to $12,965,000 a year ago.
공고 • Jul 13Texas Capital Bancshares, Inc. Announces Appointment of Mo Jamous as Managing Director and Chief Digital and Information Officer, Effective July 13, 2026Texas Capital Bancshares, Inc. announced the appointment of Mo Jamous as Managing Director, Chief Digital and Information Officer, effective July 13, 2026. In this role, Jamous will lead the firm’s technology strategy and organization, including infrastructure, enterprise architecture, application development, data platforms, artificial intelligence (AI) enablement and information security. Jamous will report to Rob C. Holmes, Chairman, President & Chief Executive Officer of Texas Capital, and serve as a member of the firm’s Operating Council. Jamous joined Texas Capital from U.S. Bank, where he most recently served as the Chief Information Officer for Consumer, Business Banking and AI/ML Technologies. At U.S. Bank, he led technology strategy and delivery for consumer and business banking platforms, digital channels, data platforms and enterprise AI initiatives. Prior, Jamous was Head of Global Digital Technologies at BBVA, where he helped lead the bank’s global digital transformation and oversaw technology teams responsible for award-winning mobile and digital banking experiences across international markets.
공고 • Jul 09Texas Capital Bancshares, Inc. to Report Q2, 2026 Results on Jul 22, 2026Texas Capital Bancshares, Inc. announced that they will report Q2, 2026 results After-Market on Jul 22, 2026
공고 • Jun 29Texas Capital Bancshares, Inc.(NasdaqGS:TCBI) dropped from Russell 2000 Dynamic IndexTexas Capital Bancshares, Inc.(NasdaqGS:TCBI) dropped from Russell 2000 Dynamic Index
Recent Insider Transactions • Jun 11Insider recently sold €306k worth of stockOn the 9th of June, Anna Alvarado-Pearce sold around 4k shares on-market at roughly €87.32 per share. This transaction amounted to 13% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Despite this recent sale, insiders have collectively bought €123k more than they sold in the last 12 months.
공고 • Apr 24+ 1 more updateTexas Capital Bancshares, Inc. Announces Net Charge-Offs for First Quarter Ended March 31, 2026Texas Capital Bancshares, Inc. announced net charge-offs for first quarter March 31, 2026. For first quarter of 2026, the company announced Net charge-offs of $17.4 million compared to net charge-offs of $10.7 million and $9.8 million during the fourth quarter of 2025 and the first quarter of 2025, respectively.
공고 • Apr 10Texas Capital Bancshares, Inc. to Report Q1, 2026 Results on Apr 23, 2026Texas Capital Bancshares, Inc. announced that they will report Q1, 2026 results Pre-Market on Apr 23, 2026
공고 • Mar 13Texas Capital Bancshares, Inc., Annual General Meeting, Apr 21, 2026Texas Capital Bancshares, Inc., Annual General Meeting, Apr 21, 2026. Location: texas capital canter, 2000 mckinney avenue, 7th floor, texas 75201, dallas United States
공고 • Jan 23Texas Capital Bancshares, Inc. Provides Earnings Guidance for the Year 2026Texas Capital Bancshares, Inc. provided earnings guidance for the year 2026. For the year, the company expects total revenue growth in the mid- to high single-digit range, driven by industry-leading client adoption and continued growth in fee income areas of focus with full year noninterest revenue expected to reach $265 million to $290 million. Anticipated noninterest expense growth in the mid-single digits reflects increased compensation expense tied to improved performance, targeted expansion in defined client coverage areas, and platform investments meant to expand upon best-in-class client execution, further enhancing our operating resilience and supporting future enhancements to structural profitability.
공고 • Jan 22+ 1 more updateTexas Capital Bancshares, Inc. (NasdaqGS:TCBI) announces an Equity Buyback for $200 million worth of its shares.Texas Capital Bancshares, Inc. (NasdaqGS:TCBI) announces a share repurchase program. Under the program, the company will repurchase up to $200 million worth of its outstanding common stock. The program will expire on December 31, 2026.
공고 • Jan 09Texas Capital Bancshares, Inc. to Report Q4, 2025 Results on Jan 22, 2026Texas Capital Bancshares, Inc. announced that they will report Q4, 2025 results Pre-Market on Jan 22, 2026
공고 • Oct 24Texas Capital Bancshares, Inc. Reaffirms Earnings Guidance for the Full Year 2025Texas Capital Bancshares, Inc. reaffirmed earnings guidance for the full year 2025. For the period, company expects revenue guidance of low double-digit percent growth, reflecting confidence in the durability of diversified earnings platform and ability to drive consistent client engagement across a range of market conditions.
공고 • Oct 23Texas Capital Bancshares, Inc. Announces Net Charge-Offs for the Quarter Ended September 30, 2025Texas Capital Bancshares, Inc. announces Net charge-offs for the quarter ended September 30, 2025. Net charge-offs of $13.7 million were recorded during the third quarter of 2025, compared to net charge-offs of $13.0 million and $6.1 million during the second quarter of 2025 and the third quarter of 2024, respectively.
공고 • Oct 09Texas Capital Bancshares, Inc. to Report Q3, 2025 Results on Oct 22, 2025Texas Capital Bancshares, Inc. announced that they will report Q3, 2025 results After-Market on Oct 22, 2025
공고 • Jul 17Texas Capital Bancshares, Inc. Reports Net Charge-Offs for the Second Quarter Ended June 30, 2025Texas Capital Bancshares, Inc. reported net charge-Offs for the second quarter ended June 30, 2025. For the quarter, net charge-offs of $13.0 million were recorded during the second quarter of 2025, compared to net charge-offs of $9.8 million and $12.0 million during the first quarter of 2025 and the second quarter of 2024, respectively.
공고 • Jul 04Texas Capital Bancshares, Inc. to Report Q2, 2025 Results on Jul 17, 2025Texas Capital Bancshares, Inc. announced that they will report Q2, 2025 results Pre-Market on Jul 17, 2025
공고 • Apr 23Texas Capital Bancshares, Inc. Appoints Ranjana B. Clark to Board of Directors, Effective April 15, 2025Texas Capital Bancshares, Inc. announced the appointment of Ranjana B. Clark to its Board of Directors, effective April 15, 2025. Clark will serve as a member of the Audit and Technology Committees. Clark has over 35 years of executive experience in the financial services and technology industries, with previous leadership roles spanning payments, marketing, strategy and business operations. Most recently, she served as Head of Global Transaction Banking at Mitsubishi UFJ Financial Group (MUFG), and previously as Head of Transaction Banking, Americas. Before MUFG, she was Chief Customer and Marketing Officer at PayPal Inc. Clark is a fellow at Stanford University’s Distinguished Careers Institute and serves on the President’s Leadership Council of the Asia Foundation. In addition to joining the board of Texas Capital, she serves on the boards of Xometry Inc. (Chair, Compensation Committee; Member, Nominating & Corporate Governance Committee), InvestCloud Inc. and StanCorp Financial Group Inc. Clark earned a Bachelor of Arts in economics at the University of Delhi; a Master of Business Administration with a marketing concentration at the Indian Institute of Management, Ahmedabad; and a Master of Business Administration with a finance concentration at the Fuqua School of Business at Duke University.
공고 • Apr 18Texas Capital Bancshares, Inc. Reports Net Charge-Offs for the First Quarter Ended March 31, 2025Texas Capital Bancshares, Inc. reported net charge-offs for the first quarter ended March 31, 2025. For the quarter, the company reported net charge-offs of $9,797,000 against $10,764,000 a year ago.
공고 • Apr 16Texas Capital Bancshares, Inc. Announces Board ChangesTexas Capital Bancshares, Inc. announced that President & Chief Executive Officer Rob C. Holmes was confirmed as Chairman of the Board of Directors at the conclusion of TCBI’s 2025 Annual Meeting of Stockholders. Holmes, who has served as President & Chief Executive Officer and a Director of the Board since 2021, was unanimously elected to this position by the Board of Directors in January 2025. Bob Stallings, who served as Chairman since 2023, has officially transitioned into the role of Lead Independent Director.
공고 • Apr 04Texas Capital Bancshares, Inc. to Report Q1, 2025 Results on Apr 17, 2025Texas Capital Bancshares, Inc. announced that they will report Q1, 2025 results Pre-Market on Apr 17, 2025
공고 • Mar 07Texas Capital Bancshares, Inc., Annual General Meeting, Apr 15, 2025Texas Capital Bancshares, Inc., Annual General Meeting, Apr 15, 2025. Location: texas capital center, 2000 mckinney avenue, 7th floor, texas 75201, dallas United States
공고 • Jan 23+ 2 more updatesTexas Capital Bancshares, Inc. (NasdaqGS:TCBI) announces an Equity Buyback for $200 million worth of its shares.Texas Capital Bancshares, Inc. (NasdaqGS:TCBI) announces a share repurchase program. Under the program, the company will repurchase up to $200 million worth of its outstanding common stock. The program will expire on January 31, 2026.
공고 • Jan 10Texas Capital Bancshares, Inc. to Report Q4, 2024 Results on Jan 23, 2025Texas Capital Bancshares, Inc. announced that they will report Q4, 2024 results Pre-Market on Jan 23, 2025
공고 • Jan 02Texas Capital Bancshares, Inc. Appoints Aimee Williams-Ramey as Its Chief Human Resources OfficerTexas Capital Bancshares, Inc. announced the appointment of Aimee Williams-Ramey as its Chief Human Resources Officer (CHRO), effective immediately. Williams-Ramey now reports directly to Texas Capital’s President & Chief Executive Officer Rob C. Holmes and serves as a member of the firm’s Operating Committee. Williams-Ramey joined Texas Capital in May 2024 as Deputy General Counsel and Assistant Corporate Secretary, bringing more than 25 years of experience across legal, corporate governance, human resources, ethics and compliance, regulatory matters, communications and operations to the firm. In her new role as CHRO, Williams-Ramey will lead the firm’s human capital strategy, including talent acquisition and development, compensation, benefits and employee engagement, as part of Texas Capital’s commitment to cultivating world-class talent and fostering a high-performance culture. Prior to Texas Capital, Williams-Ramey served as Chief Legal Officer & Corporate Secretary, President of International Operations and Interim Head of Human Resources at Six Flags Entertainment Corporation, where she oversaw human resources for more than 25,000 employees and played a pivotal role in shaping the organization’s strategy and culture. She has also served in executive leadership roles at Sabre Corporation, as its General Counsel and member of the executive leadership team, and FINRA, as its regional Chief Counsel, where she guided both organizations through significant transformations.
Reported Earnings • Oct 18Third quarter 2024 earnings released: US$1.42 loss per share (vs US$1.20 profit in 3Q 2023)Third quarter 2024 results: US$1.42 loss per share (down from US$1.20 profit in 3Q 2023). Revenue: US$115.3m (down 56% from 3Q 2023). Net loss: US$65.6m (down 214% from profit in 3Q 2023). Revenue is forecast to grow 18% p.a. on average during the next 3 years, compared to a 3.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 14% per year but the company’s share price has increased by 12% per year, which means it is well ahead of earnings.
공고 • Oct 17Texas Capital Bancshares, Inc. Reports Net Charge-Offs for the Third Quarter Ended September 30, 2024Texas Capital Bancshares, Inc. reported net charge-offs for the third quarter ended September 30, 2024. For the quarter, the company reported Net charge-offs of $6,083,000 against $8,941,000 reported a year ago.
공고 • Oct 04Texas Capital Bancshares, Inc. to Report Q3, 2024 Results on Oct 17, 2024Texas Capital Bancshares, Inc. announced that they will report Q3, 2024 results Pre-Market on Oct 17, 2024
공고 • Aug 06+ 1 more updateTexas Capital Launches Texas Capital Direct Lending PlatformTexas Capital Bancshares, Inc. announced the launch of its Texas Capital Direct Lending platform. Focused on providing non-bank private capital to the middle market, TCDL will form an integral part of Texas Capital’s Corporate & Investment Bank and will enable Texas Capital clients and prospects to access a wider array of capital solutions. Texas Capital expects TCDL to focus on senior secured floating rate term loans targeting Texas-based middle market companies and private equity sponsors. Texas Capital Direct Lending, in combination with the broader Texas Capital platform, will seek to provide a seamless source of capital for its borrowers. TCDL intends to lend to middle market companies generating between $5 million and $50 million in EBITDA, with a primary focus on companies between $10 million and $30 million in EBITDA. The strategy will benefit from Texas Capital’s Corporate and Commercial Banking coverage teams, who are already dedicated to serving clients and prospects across Texas.
Buy Or Sell Opportunity • Jul 25Now 21% undervaluedOver the last 90 days, the stock has risen 12% to €60.50. The fair value is estimated to be €76.52, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 6.0% over the last 3 years, while earnings per share has been flat. Revenue is forecast to grow by 21% in 2 years. Earnings are forecast to grow by 33% in the next 2 years.
Reported Earnings • Jul 19Second quarter 2024 earnings released: EPS: US$0.80 (vs US$1.34 in 2Q 2023)Second quarter 2024 results: EPS: US$0.80 (down from US$1.34 in 2Q 2023). Revenue: US$247.0m (down 8.9% from 2Q 2023). Net income: US$37.4m (down 42% from 2Q 2023). Profit margin: 15% (down from 24% in 2Q 2023). The decrease in margin was primarily driven by lower revenue. Revenue is forecast to grow 9.2% p.a. on average during the next 3 years, compared to a 3.2% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 1% per year but the company’s share price has increased by 5% per year, which means it is well ahead of earnings.
공고 • Jul 19Texas Capital Bancshares, Inc. Reports Net Charge-Offs for the Second Quarter Ended June 30, 2024Texas Capital Bancshares, Inc. reported net charge-offs for the second quarter ended June 30, 2024. For the quarter, the company reported Net charge-offs of $11,955,000 compared to net charge-offs of $8,239,000 a year ago.
Valuation Update With 7 Day Price Move • Jul 17Investor sentiment improves as stock rises 15%After last week's 15% share price gain to €64.00, the stock trades at a forward P/E ratio of 19x. Average forward P/E is 8x in the Banks industry in Europe. Total returns to shareholders of 24% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €85.88 per share.
공고 • Jul 06Texas Capital Bancshares, Inc. to Report Q2, 2024 Results on Jul 18, 2024Texas Capital Bancshares, Inc. announced that they will report Q2, 2024 results Pre-Market on Jul 18, 2024
공고 • Jun 27Texas Capital Appoints Brett Fenn as Managing Director and Head of Business BankingTexas Capital Bancshares, Inc. announced that Brett Fenn has been appointed to serve as Managing Director, Head of Business Banking, effective immediately. Based in Houston, Texas, Fenn will lead a skilled team of bankers across five cities within the state, with a focus on cultivating strong client relationships and driving the company’s growth. In his role, he will continue the firm’s leadership in delivering to Business Banking clients best-in-class products and solutions with a strong focus on client service. Fenn will report directly to Jay Clingman, Managing Director, Head of Commercial Banking, who oversees commercial strategy and client base expansion. Fenn joined Texas Capital in 2022, serving as a Managing Director in the firm’s Investment Bank focused on Interest Rate Derivatives Structuring and Marketing. In this role, he has provided strategic guidance on macroeconomic trends and interest rate hedging strategies to management teams, sponsors, and boards of both public and private clients. Additionally, he will continue to serve as the Co-Chair of the firm’s Houston Market Leadership Team.
공고 • May 23Texas Capital Bancshares, Inc. Announces Executive ChangesTexas Capital Bancshares, Inc. announced the appointment of David Oman to serve as the firm’s Chief Risk Officer (CRO), effective June 10, 2024. Oman will report directly to Texas Capital’s President & Chief Executive Officer Rob C. Holmes and serve as a member of the firm’s Operating Committee. As previously announced, Tim Storms, Texas Capital’s current CRO will retire next month and continue to serve as an advisor to the firm through the end of 2024. Oman joins Texas Capital from PricewaterhouseCoopers (PwC) where he served as a Managing Director in the firm’s financial risk practice. Prior to PwC, he led strategic execution in market risk, global markets infrastructure, credit risk review, global wealth and investment management, emerging markets risk and counterparty risk for firms in New York and London, including Bank of New York Mellon, Credit Suisse AG, Bank of America Merrill Lynch and UBS, among others. As CRO, Oman will manage Texas Capital’s risk functions, enterprise risk management practices and programs in addition to regulatory compliance. He will be responsible for the strategic development and execution of continued enhancements to the firm’s risk management culture and capabilities that will further optimize proactive risk assessment and mitigation.
공고 • May 18Texas Capital Bancshares, Inc. Appoints Mark Midkiff to Board of DirectorsTexas Capital Bancshares, Inc. announced the appointment of Mark Midkiff to its Board of Directors, effective June 1, 2024. Midkiff will also serve as a member of the Board’s Risk Committee. Midkiff brings nearly three decades of experience to Texas Capital. Most recently, Midkiff served as chief risk officer at KeyCorp where he reported directly to the CEO. In this role, he oversaw comprehensive risk management functions, including enterprise, credit, market, compliance and operational risk. Midkiff also served as chairman of KeyBank National Association and as a member of KeyCorp's executive leadership team and executive council. Midkiff joined KeyCorp from BB&T where he served as deputy chief credit officer. Prior to this, he served as the global chief risk officer at GE Capital, where he transformed the Global Risk Management division during a major organizational restructuring. He led and evolved risk functions within all business units, directing a diverse team of chief risk officers across 20 countries. Midkiff currently serves on the Advisory Council of the International Association of Credit Portfolio Managers and is a board and executive committee member of ProSight (formerly the Risk Management Association). Midkiff earned a Bachelor of Science in Business Administration and Management from the University of North Carolina at Chapel Hill. He also attended Wachovia’s Executive Leadership Program at Duke University and The Wharton/RMA Executive Risk Management Program.
공고 • Apr 19Tim J. Storms Plans to Retire as Managing Director and Chief Risk Officer of Capital Bancshares, Inc. and Texas Capital Bank on or Around June 15, 2024Texas Capital Bancshares, Inc. announced that, on April 13, 2024, Tim J. Storms, Managing Director and Chief Risk Officer of the Company and Texas Capital Bank, informed the Company that he plans to retire on or around June 15, 2024. The Company intends to conduct a search to fill the role of Chief Risk Officer. Following his retirement, it is expected that Mr. Storms will provide certain consulting and advisory services to the Company and Texas Capital Bank to ensure a smooth and orderly transition of his responsibilities.
Reported Earnings • Apr 18First quarter 2024 earnings released: EPS: US$0.46 (vs US$0.71 in 1Q 2023)First quarter 2024 results: EPS: US$0.46 (down from US$0.71 in 1Q 2023). Revenue: US$237.3m (down 3.0% from 1Q 2023). Net income: US$21.8m (down 36% from 1Q 2023). Profit margin: 9.2% (down from 14% in 1Q 2023). The decrease in margin was primarily driven by lower revenue. Revenue is forecast to grow 7.5% p.a. on average during the next 3 years, compared to a 3.3% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 11% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.
공고 • Apr 05Texas Capital Bancshares, Inc. to Report Q1, 2024 Results on Apr 18, 2024Texas Capital Bancshares, Inc. announced that they will report Q1, 2024 results Pre-Market on Apr 18, 2024
New Risk • Feb 18New minor risk - Insider sellingThere has been significant insider selling in the company's shares over the past 3 months. Total value of shares sold: €346k This is considered a minor risk. There are several reasons why an insider may be selling, including to cover a tax obligation or pay for some other expense. However, we generally consider it a negative if insiders have been selling, especially if they do so below the current price. It implies that they considered a lower price to be reasonable. This is a weak signal, but if there is a pattern of unexplained selling, it can be a sign the insider believes the company's stock is overpriced. Note: We only include open market transactions and private dispositions of directly owned stock by individuals, not by corporations or trusts. Currently, the following risks have been identified for the company: Minor Risks Profit margins are more than 30% lower than last year (17% net profit margin). Significant insider selling over the past 3 months (€346k sold).
Reported Earnings • Jan 19Full year 2023 earnings released: EPS: US$3.58 (vs US$6.25 in FY 2022)Full year 2023 results: EPS: US$3.58 (down from US$6.25 in FY 2022). Revenue: US$1.00b (down 13% from FY 2022). Net income: US$171.9m (down 46% from FY 2022). Profit margin: 17% (down from 27% in FY 2022). The decrease in margin was driven by lower revenue. Revenue is forecast to grow 6.1% p.a. on average during the next 2 years, compared to a 2.1% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 26% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.
공고 • Jan 18+ 1 more updateTexas Capital Bancshares, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2023Texas Capital Bancshares, Inc. reported net charge-offs for the fourth quarter ended December 31, 2023. Net charge-offs of $13.8 million were recorded during the fourth quarter of 2023 compared to net charge-offs of $15.0 million during the fourth quarter of 2022.
공고 • Jan 05Texas Capital Bancshares, Inc. to Report Q4, 2023 Results on Jan 18, 2024Texas Capital Bancshares, Inc. announced that they will report Q4, 2023 results Pre-Market on Jan 18, 2024
Recent Insider Transactions • Nov 21Independent Chairman recently bought €458k worth of stockOn the 17th of November, Robert Stallings bought around 9k shares on-market at roughly €50.84 per share. This transaction amounted to 3.3% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Robert has been a buyer over the last 12 months, purchasing a net total of €5.1m worth in shares.
Recent Insider Transactions • Oct 25Independent Chairman recently bought €412k worth of stockOn the 20th of October, Robert Stallings bought around 8k shares on-market at roughly €51.49 per share. This transaction amounted to 3.0% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Robert has been a buyer over the last 12 months, purchasing a net total of €5.0m worth in shares.
Reported Earnings • Oct 20Third quarter 2023 earnings released: EPS: US$1.19 (vs US$0.74 in 3Q 2022)Third quarter 2023 results: EPS: US$1.19 (up from US$0.74 in 3Q 2022). Revenue: US$260.9m (up 3.4% from 3Q 2022). Net income: US$61.7m (up 66% from 3Q 2022). Profit margin: 24% (up from 15% in 3Q 2022). The increase in margin was primarily driven by lower expenses. Revenue is expected to decline by 2.8% p.a. on average during the next 3 years, while revenues in the Banks industry in Europe are expected to grow by 3.7%. Over the last 3 years on average, earnings per share has increased by 42% per year but the company’s share price has only increased by 14% per year, which means it is significantly lagging earnings growth.
공고 • Oct 07Texas Capital Bancshares, Inc. to Report Q3, 2023 Results on Oct 19, 2023Texas Capital Bancshares, Inc. announced that they will report Q3, 2023 results Pre-Market on Oct 19, 2023
공고 • Sep 22Texas Capital Appoints Amos McDonald to Lead Business BankingTexas Capital Bancshares, Inc. announced that the firm has appointed Amos McDonald as head of Business Banking, effective immediately. McDonald is based in The Woodlands, Texas, and is responsible for setting and driving production goals within the firm’s Business Banking division and leading a seasoned team of bankers. He reports to Texas Capital Managing Director and Head of Commercial Banking Jay Clingman, who is responsible for the firm’s commercial strategy and expanding its commercial client base. McDonald has been with Texas Capital for two years, previously serving as Business Banking group manager for The Woodlands market. In this role he consistently led the Business Banking division in developing meaningful client relationships, orchestrated successful events to bolster brand recognition and acquire new clients and established a thriving business banking team from the ground up within six months. Prior to joining Texas Capital, he served as the market president for Brazos Valley at BBVA USA.
공고 • Sep 14Texas Capital Bancshares, Inc. Appoints Marc Graham as Head of EnergyTexas Capital Bancshares, Inc. announced key leadership appointments and enhanced capabilities as part of its Corporate & Investment Bank offerings for the energy sector. Texas Capital has brought on energy finance veteran Marc Graham as head of Energy as well as a team of seasoned energy investment banking veterans, all of whom are equipped with deep industry and technical knowledge and experience in providing innovative solutions to support clients across the energy sector. As head of Energy, Graham is responsible for the growth of the energy vertical and delivering market-leading talent and full-service solutions to Texas Capital clients on a global basis. Graham brings more than 20 years of experience to the role and is based in Houston. In addition to Graham’s appointment, Texas Capital announced that managing directors Michael Bodino, Christian Gibson and Randall Byrne have joined the Energy investment banking team, together with an experienced team of financial and technical professionals, to drive business growth and client acquisition in the energy vertical. Bodino, Gibson and Byrne have more than 75 years of combined investment banking experience covering approximately 500 successful transactions across a broad range of capital markets and advisory services transactions, including acquisitions and divestitures.
Recent Insider Transactions • Aug 07Independent Chairman recently bought €281k worth of stockOn the 2nd of August, Robert Stallings bought around 5k shares on-market at roughly €56.26 per share. This transaction amounted to 1.9% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Robert has been a buyer over the last 12 months, purchasing a net total of €6.3m worth in shares.
공고 • Jul 22Texas Capital Bancshares, Inc. Reports Net Charge-Offs for the Second Quarter of 2023Texas Capital Bancshares, Inc. reported net charge-offs for the second quarter of 2023. Net charge-offs of $8.2 million were recorded during the second quarter of 2023, compared to net charge-offs of $19.9 million and $2.6 million during the first quarter of 2023 and the second quarter of 2022, respectively.
Reported Earnings • Jul 20Second quarter 2023 earnings released: EPS: US$1.34 (vs US$0.59 in 2Q 2022)Second quarter 2023 results: EPS: US$1.34 (up from US$0.59 in 2Q 2022). Revenue: US$271.0m (up 29% from 2Q 2022). Net income: US$64.3m (up 116% from 2Q 2022). Profit margin: 24% (up from 14% in 2Q 2022). The increase in margin was driven by higher revenue. Revenue is expected to decline by 5.9% p.a. on average during the next 3 years, while revenues in the Banks industry in Europe are expected to grow by 4.4%. Over the last 3 years on average, earnings per share has increased by 42% per year but the company’s share price has only increased by 31% per year, which means it is significantly lagging earnings growth.
공고 • Jul 08Texas Capital Bancshares, Inc. to Report Q2, 2023 Results on Jul 20, 2023Texas Capital Bancshares, Inc. announced that they will report Q2, 2023 results Pre-Market on Jul 20, 2023
공고 • Jun 28Texas Capital Bancshares, Inc. Launches Innovative Onboarding Technology Solution for Commercial BusinessesTexas Capital Bancshares, Inc. has announced the launch of Texas Capital Initio(TM), an internally developed, proprietary digital onboarding solution designed to revolutionize the commercial banking experience by simplifying and accelerating the process of opening an account. Initio, a market-leading cloud native software application, enables businesses to open commercial accounts within days, a significant improvement compared to other options that can often take multiple weeks. The solution does so by eliminating the burdensome and time-consuming manual processes traditionally associated with account onboarding, replacing them with a streamlined, automated approach that includes the ability to submit key data electronically and an option for electronic signatures. As of the first quarter of 2023, Texas Capital now onboards over 70% of all treasury clients digitally with Initio. By reducing the time and effort required for account setup, this technology empowers businesses to focus on their core operations, driving growth and operational efficiency.
Recent Insider Transactions • Jun 03Independent Chairman recently bought €223k worth of stockOn the 31st of May, Robert Stallings bought around 5k shares on-market at roughly €44.66 per share. This transaction amounted to 2.0% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger purchase worth €1.1m. Robert has been a buyer over the last 12 months, purchasing a net total of €7.4m worth in shares.
Valuation Update With 7 Day Price Move • May 18Investor sentiment improves as stock rises 20%After last week's 20% share price gain to €47.40, the stock trades at a forward P/E ratio of 13x. Average forward P/E is 7x in the Banks industry in Europe. Total returns to shareholders of 82% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €67.09 per share.
Recent Insider Transactions • Apr 27Independent Chairman recently bought €983k worth of stockOn the 24th of April, Robert Stallings bought around 21k shares on-market at roughly €46.81 per share. This transaction amounted to 12% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Robert has been a buyer over the last 12 months, purchasing a net total of €6.3m worth in shares.
Reported Earnings • Apr 20First quarter 2023 earnings released: EPS: US$0.71 (vs US$0.70 in 1Q 2022)First quarter 2023 results: EPS: US$0.71. Revenue: US$244.7m (up 19% from 1Q 2022). Net income: US$34.3m (down 2.8% from 1Q 2022). Profit margin: 14% (down from 17% in 1Q 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to stay flat during the next 3 years compared to a 5.7% growth forecast for the Banks industry in Europe.
Valuation Update With 7 Day Price Move • Mar 15Investor sentiment deteriorates as stock falls 22%After last week's 22% share price decline to €47.60, the stock trades at a forward P/E ratio of 14x. Average forward P/E is 8x in the Banks industry in Europe. Total returns to shareholders of 97% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €68.91 per share.
Recent Insider Transactions • Mar 10Independent Director recently bought €308k worth of stockOn the 2nd of March, Robert Stallings bought around 5k shares on-market at roughly €61.52 per share. This transaction amounted to 2.8% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought €6.3m more in shares than they have sold in the last 12 months.
Buying Opportunity • Mar 08Now 20% undervaluedOver the last 90 days, the stock is up 13%. The fair value is estimated to be €75.87, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 4.2% over the last 3 years. Earnings per share has grown by 12%. Revenue is forecast to grow by 2.3% in 2 years. Earnings is forecast to decline by 33% in the next 2 years.
Reported Earnings • Jan 19Full year 2022 earnings released: EPS: US$6.25 (vs US$4.65 in FY 2021)Full year 2022 results: EPS: US$6.25 (up from US$4.65 in FY 2021). Revenue: US$1.16b (up 24% from FY 2021). Net income: US$315.2m (up 34% from FY 2021). Profit margin: 27% (up from 25% in FY 2021). The increase in margin was driven by higher revenue. Revenue is forecast to grow 1.1% p.a. on average during the next 2 years, compared to a 5.2% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.
공고 • Jan 19+ 1 more updateTexas Capital Bancshares, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2022Texas Capital Bancshares, Inc. reported net charge-offs for the fourth quarter ended December 31, 2022. For the quarter, the company reported net charge-offs of $14,999,000 against $1,037,000 a year ago.
Buying Opportunity • Jan 18Now 21% undervaluedThe stock has been flat over the last 90 days. The fair value is estimated to be €71.78, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 7.5%. Revenue is forecast to grow by 29% in 2 years. Earnings is forecast to grow by 35% in the next 2 years.
공고 • Jan 13Texas Capital Bancshares, Inc. Appoints Dustin Cosper as Head of Commercial Real EstateTexas Capital Bancshares, Inc. announced that Dustin Cosper has been appointed to serve as Head of Commercial Real Estate, effective immediately. As Head of Commercial Real Estate Mr. Cosper is responsible for driving the execution of the Bank’s real estate strategy while working cohesively with other lines of business to provide full-service solutions to clients. Mr. Cosper will report to Madison Simm, President of Real Estate, who leads the Bank’s Commercial Real Estate, Mortgage Finance, and Homebuilder and Community Finance lines of business. Mr. Cosper has invested 10 years in Texas Capital Bank’s Commercial Real Estate organization, having previously served as Senior Vice President, Group Manager. Prior to Texas Capital Bank, he served as Vice President, Senior Workout Officer for Texas Community Bank in Houston, Texas, leading the special assets team. Mr. Cosper joined Texas Capital Bank in 2013 in the Commercial Real Estate division, as a Vice President. Over the past five years, he absorbed the Senior Housing portfolio, generated one of the largest books of business in the Bank, and developed its CRE Structured Finance practice. In 2023, Mr. Cosper was appointed to the role of Head of Commercial Real Estate for Texas Capital Bank, responsible for driving the execution of the Bank’s real estate strategy forward. Prior to Texas Capital Bank, he served as Vice President, Senior Workout Officer for Texas Community Bank in Houston, Texas, leading the special assets team. In his role, Mr. Cosper oversaw the liquidation of criticized and non-performing assets, negotiated real estate sales, and devised litigation and bankruptcy-related strategy and ultimately the liquidation of the bank. Mr. Cosper earned a Bachelor of Business Administration and a Master of Business Administration in Finance and Banking from Sam Houston State University.
공고 • Jan 06Texas Capital Bancshares, Inc. to Report Q4, 2022 Results on Jan 18, 2023Texas Capital Bancshares, Inc. announced that they will report Q4, 2022 results at 4:00 PM, US Eastern Standard Time on Jan 18, 2023
Recent Insider Transactions • Dec 11Independent Director recently bought €269k worth of stockOn the 8th of December, Robert Stallings bought around 5k shares on-market at roughly €53.85 per share. This transaction amounted to 2.9% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger purchase worth €842k. Insiders have collectively bought €6.0m more in shares than they have sold in the last 12 months.
Recent Insider Transactions • Oct 26Executive VP & Chief Risk Officer recently bought €255k worth of stockOn the 24th of October, Timothy Storms bought around 4k shares on-market at roughly €57.89 per share. This transaction amounted to 38% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger purchase from another insider worth €1.2m. Insiders have collectively bought €6.2m more in shares than they have sold in the last 12 months.
Reported Earnings • Oct 22Third quarter 2022 earnings released: EPS: US$0.74 (vs US$0.77 in 3Q 2021)Third quarter 2022 results: EPS: US$0.74 (down from US$0.77 in 3Q 2021). Revenue: US$252.4m (up 20% from 3Q 2021). Net income: US$37.1m (down 5.0% from 3Q 2021). Profit margin: 15% (down from 19% in 3Q 2021). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 9.4% p.a. on average during the next 3 years, compared to a 5.4% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 7% per year but the company’s share price has increased by 4% per year, which means it is well ahead of earnings.
Recent Insider Transactions • Jun 07Independent Director recently bought €104k worth of stockOn the 2nd of June, Elysia Ragusa bought around 2k shares on-market at roughly €52.12 per share. In the last 3 months, there was an even bigger purchase from another insider worth €1.1m. Insiders have collectively bought €7.3m more in shares than they have sold in the last 12 months.
Recent Insider Transactions • May 26Independent Director recently bought €1.1m worth of stockOn the 24th of May, Robert Stallings bought around 23k shares on-market at roughly €47.51 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought €7.1m more in shares than they have sold in the last 12 months.
Recent Insider Transactions • May 17Independent Director recently bought €97k worth of stockOn the 12th of May, Robert Stallings bought around 2k shares on-market at roughly €48.26 per share. In the last 3 months, they made an even bigger purchase worth €393k. Insiders have collectively bought €6.0m more in shares than they have sold in the last 12 months.
Recent Insider Transactions • Apr 28Independent Director recently bought €393k worth of stockOn the 25th of April, Robert Stallings bought around 8k shares on-market at roughly €49.14 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought €5.7m more in shares than they have sold in the last 12 months.
Reported Earnings • Apr 27First quarter 2022 earnings released: EPS: US$0.70 (vs US$1.35 in 1Q 2021)First quarter 2022 results: EPS: US$0.70 (down from US$1.35 in 1Q 2021). Revenue: US$205.8m (down 16% from 1Q 2021). Net income: US$35.3m (down 48% from 1Q 2021). Profit margin: 17% (down from 28% in 1Q 2021). The decrease in margin was driven by lower revenue. Over the next year, revenue is forecast to grow 6.8%, compared to a 8.1% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has fallen by 17% per year but the company’s share price has only fallen by 5% per year, which means it has not declined as severely as earnings.
Reported Earnings • Apr 22First quarter 2022 earnings released: EPS: US$0.70 (vs US$1.35 in 1Q 2021)First quarter 2022 results: EPS: US$0.70 (down from US$1.35 in 1Q 2021). Revenue: US$205.8m (down 16% from 1Q 2021). Net income: US$35.3m (down 48% from 1Q 2021). Profit margin: 17% (down from 28% in 1Q 2021). The decrease in margin was driven by lower revenue. Over the next year, revenue is forecast to grow 7.0%, compared to a 8.2% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has fallen by 17% per year but the company’s share price has only fallen by 4% per year, which means it has not declined as severely as earnings.
Buying Opportunity • Mar 02Now 23% undervaluedOver the last 90 days, the stock is up 7.8%. The fair value is estimated to be US$71.48, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 21% per annum over the last 3 years.
Reported Earnings • Jan 21Full year 2021 earnings: EPS in line with analyst expectations despite revenue beatFull year 2021 results: EPS: US$4.65 (up from US$1.12 in FY 2020). Revenue: US$937.1m (up 18% from FY 2020). Net income: US$235.2m (up 316% from FY 2020). Profit margin: 25% (up from 7.1% in FY 2020). The increase in margin was primarily driven by higher revenue. Revenue exceeded analyst estimates by 1.0%. Over the next year, revenue is expected to shrink by 2.5% compared to a 11% growth forecast for the banks industry in Germany. Over the last 3 years on average, earnings per share has fallen by 21% per year but the company’s share price has remained flat, which means it is well ahead of earnings.
Recent Insider Transactions • Oct 27Non-Executive Chairman recently bought €260k worth of stockOn the 22nd of October, Larry Helm bought around 5k shares on-market at roughly €52.03 per share. In the last 3 months, there was an even bigger purchase from another insider worth €421k. This was Larry's only on-market trade for the last 12 months.
Reported Earnings • Oct 21Third quarter 2021 earnings released: EPS US$0.77 (vs US$1.08 in 3Q 2020)The company reported a poor third quarter result with weaker earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$210.3m (down 12% from 3Q 2020). Net income: US$39.1m (down 28% from 3Q 2020). Profit margin: 19% (down from 23% in 3Q 2020). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 23% per year but the company’s share price has only fallen by 2% per year, which means it has not declined as severely as earnings.
Recent Insider Transactions • Sep 04Executive VP & Chief Risk Officer recently bought €210k worth of stockOn the 2nd of September, Timothy Storms bought around 4k shares on-market at roughly €50.44 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought €678k more in shares than they have sold in the last 12 months.
Executive Departure • Sep 03Senior Consultant of Texas Capital Bank Vince Ackerson has left the companyOn the 31st of August, Vince Ackerson's tenure as Senior Consultant of Texas Capital Bank ended after less than a year in the role. As of June 2021, Vince still personally held 31.77k shares (€1.7m worth at the time). A total of 3 executives have left over the last 12 months. The current median tenure of the management team is less than a year, which is considered inexperienced in the Simply Wall St Risk Model.
Reported Earnings • Jul 22Second quarter 2021 earnings released: EPS US$1.33 (vs US$0.73 loss in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: US$246.1m (up 36% from 2Q 2020). Net income: US$67.2m (up US$103.9m from 2Q 2020). Profit margin: 27% (up from net loss in 2Q 2020). The move to profitability was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 28% per year but the company’s share price has only fallen by 13% per year, which means it has not declined as severely as earnings.
Recent Insider Transactions • Jun 02Independent Director recently sold €55k worth of stockOn the 27th of May, Jonathan Baliff sold around 976 shares on-market at roughly €56.71 per share. This was the largest sale by an insider in the last 3 months. Despite this recent sale, insiders have collectively bought €1.3m more than they sold in the last 12 months.
Recent Insider Transactions • Apr 28Independent Director recently bought €269k worth of stockOn the 23rd of April, Robert Stallings bought around 5k shares on-market at roughly €53.87 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought €1.4m more in shares than they have sold in the last 12 months.
Reported Earnings • Apr 24First quarter 2021 earnings released: EPS US$1.35 (vs US$0.38 loss in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$245.2m (up 70% from 1Q 2020). Net income: US$68.2m (up US$87.3m from 1Q 2020). Profit margin: 28% (up from net loss in 1Q 2020). Over the last 3 years on average, earnings per share has fallen by 29% per year but the company’s share price has only fallen by 13% per year, which means it has not declined as severely as earnings.
Valuation Update With 7 Day Price Move • Mar 29Investor sentiment deteriorated over the past weekAfter last week's 24% share price decline to US$54.00, the stock trades at a forward P/E ratio of 18x. Average forward P/E is 11x in the Banks industry in Europe. Total loss to shareholders of 26% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €54.41 per share.
공고 • Mar 12Texas Capital Bancshares, Inc., Annual General Meeting, Apr 20, 2021Texas Capital Bancshares, Inc., Annual General Meeting, Apr 20, 2021, at 09:00 US Eastern Standard Time. Location: offices of the Company located at 2000 McKinney Avenue, 7th Floor Dallas Texas United States Agenda: To consider election of ten directors, each to serve until the next annual meeting of stockholders or until their successors are elected and qualified; to consider approval, on an advisory basis, of the 2020 compensation of the Company’s named executive officers as described in the proxy statement; and to consider ratification of the appointment of Ernst & Young LLP as the independent registered public accounting firm of the Company for the year ending December 31, 2021.
공고 • Feb 23Texas Capital Bancshares, Inc. and Texas Capital Bank, N.A Announces Executive ChangesTexas Capital Bank, N.A., and its parent company Texas Capital Bancshares, Inc. announced two additional executive leadership appointments. Tim Storms has been named Chief Risk Officer of both companies, effective immediately following the decision by John Turpen to step down as Chief Risk Officer. Mr. Turpen will continue to support Mr. Storms and the Company until March 31, 2021, to ensure an effective transition. Shannon Jurecka has been appointed to the newly created position of Chief Human Resources Officer, effective April 1, 2021, to advance the Company’s commitment to developing world-class talent and a high-performance culture. Mr. Storms and Ms. Jurecka will report directly to Rob C. Holmes, President and Chief Executive Officer of Texas Capital Bank, N.A. and Texas Capital Bancshares, Inc. As previously announced, Mr. Storms, who most recently served as Chief Risk Officer of the Commercial Banking’s Real Estate businesses at JPMorgan Chase & Co, was appointed Executive Vice President, Head of Risk Transformation at Texas Capital Bank in January 2021. Since that time, he has been working closely with Mr. Turpen and the risk management team to immerse himself in the organization and its approach to risk management. As Chief Risk Officer, Mr. Storms will manage all risk functions, enterprise risk management practices and programs, and regulatory compliance. He will be responsible for the strategic development and execution of continued enhancements to the Company’s risk management culture and capabilities that will further optimize proactive risk assessment and mitigation. As chair of the Executive Risk Committee, Mr. Storms will oversee the risk management framework and the bank’s risk appetite statements. As Chief Human Resources Officer, Ms. Jurecka will be responsible for the Company’s human capital strategy, including talent acquisition and development, compensation and benefits, and employee engagement. Ms. Jurecka brings more than 20 years of leadership experience in Human Resources. She joins Texas Capital Bank from Celanese Corporation, where she most recently served as Senior Vice President and Chief Human Resources Officer since 2017. Before joining Celanese, she held various senior positions in Human Resources at Bank of America Merrill Lynch, including in Global Risk, Consumer Operations and as the Bank of America West Region Sites Human Resources Executive. Ms. Jurecka has a strong track record of successfully managing top talent development programs and executing strategic human capital objectives across global platforms.
Is New 90 Day High Low • Feb 18New 90-day high: €58.50The company is up 32% from its price of €44.40 on 19 November 2020. The German market is up 10.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 7.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €64.94 per share.
Reported Earnings • Feb 11Full year 2020 earnings released: EPS US$1.12 (vs US$6.01 in FY 2019)The company reported a poor full year result with weaker earnings, revenues and profit margins. Full year 2020 results: Revenue: US$796.3m (down 19% from FY 2019). Net income: US$56.5m (down 81% from FY 2019). Profit margin: 7.1% (down from 31% in FY 2019). Net interest margin (NIM): 2.39% (down from 3.28% in FY 2019). Cost-to-income ratio: 66.8% (up from 56.0% in FY 2019). Over the last 3 years on average, earnings per share has fallen by 22% per year but the company’s share price has only fallen by 8% per year, which means it has not declined as severely as earnings.