Texas Capital Bancshares Inc (TCBI)vsU.S. Bancorp (USB)
TCBI
Texas Capital Bancshares Inc
$95.10
+0.55%
FINANCIAL SERVICES · Cap: $4.20B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 2095% more annual revenue ($26.35B vs $1.20B). USB leads profitability with a 28.7% profit margin vs 27.5%. TCBI appears more attractively valued with a PEG of 1.47. TCBI earns a higher WallStSmart Score of 77/100 (B+).
TCBI
Strong Buy77
out of 100
Grade: B+
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+67.6%
Fair Value
$317.77
Current Price
$95.10
$222.67 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 42.5%
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
19.1% revenue growth
Earnings expanding 49.0% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : TCBI
The strongest argument for TCBI centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 27.5% and operating margin at 42.5%. Revenue growth of 19.1% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : TCBI
The primary concerns for TCBI are Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
TCBI profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
TCBI is growing revenue faster at 19.1% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
TCBI scores higher overall (77/100 vs 75/100), backed by strong 27.5% margins and 19.1% revenue growth. USB offers better value entry with a 75.8% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Texas Capital Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Texas Capital Bancshares, Inc. is the banking holding company for Texas Capital Bank, a National Association that offers various banking products and services for commercial companies, professionals and entrepreneurs. The company is headquartered in Dallas, Texas.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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