Texas Capital Bancshares Inc (TCBIO)vsU.S. Bancorp (USB)
TCBIO
Texas Capital Bancshares Inc
$22.07
+0.87%
FINANCIAL SERVICES · Cap: $3.31B
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%. TCBIO trades at a lower P/E of 5.5x. USB earns a higher WallStSmart Score of 75/100 (B).
TCBIO
Buy52
out of 100
Grade: C-
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+88.3%
Fair Value
$185.28
Current Price
$22.07
$163.21 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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 42.5%
Keeps 28 of every $100 in revenue as profit
Conservative balance sheet, low leverage
19.1% revenue growth
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 : TCBIO
The strongest argument for TCBIO centers on P/E Ratio, Price/Book, Operating 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 : TCBIO
The primary concerns for TCBIO are Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
TCBIO 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.
TCBIO 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
USB scores higher overall (75/100 vs 52/100), backed by strong 28.7% margins. TCBIO offers better value entry with a 88.3% margin of safety. Both earn "Strong Buy" and "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 (TCBIO), based in Dallas, Texas, is a prominent banking institution that delivers a wide array of financial solutions tailored to both commercial and private clients. The company specializes in business loans, treasury management, and personal banking services, underpinned by a commitment to customer relationship excellence and regional market knowledge. With a focus on disciplined risk management and strategic growth initiatives, TCBIO is well-positioned to navigate the competitive landscape and capitalize on emerging opportunities, thereby ensuring long-term value creation for its shareholders.
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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