Prosperity Bancshares vs Texas Capital Bancshares
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The short version
- Texas Capital Bancshares is the larger business, with $1.3B of revenue in fiscal 2025 against $1.2B for Prosperity Bancshares.
- Texas Capital Bancshares grew revenue faster (34.7%, against 4.8%).
- Investors pay more for each dollar of Texas Capital Bancsharesβs earnings: a P/E of 13.1x against 12.0x for Prosperity Bancshares.
| Latest fiscal year | PB Β· FY25 | TCBI Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $6.6B | $4.7B |
| Revenue | $1.2B | $1.3B |
| Free cash flow | β | β |
| Net income | $543M | $330M |
| Growth | ||
| Revenue growth | 4.8% | 34.7% |
| 5-year growth | 1.5% | 3.6% |
| Share count change | β0.1% | β1.8% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 43.4% | 26.3% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 7.2% | 9.4% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $379M | $186M |
| Valuation & quality | ||
| P/E | 12.0x | 13.1x |
| Piotroski F-score | β | β |
Revenue
FY16
PB $751M
TCBI $701M
FY17
PB $734M
TCBI $836M
FY18
PB $746M
TCBI $993M
FY19
PB $820M
TCBI $1.1B
FY20
PB $1.2B
TCBI $1.1B
FY21
PB $1.1B
TCBI $907M
FY22
PB $1.2B
TCBI $1.2B
FY23
PB $1.1B
TCBI $1.1B
FY24
PB $1.2B
TCBI $932M
FY25
PB $1.2B
TCBI $1.3B
PB
TCBI
Operating margin
FY16
PB β
TCBI β
FY17
PB β
TCBI β
FY18
PB β
TCBI β
FY19
PB β
TCBI β
FY20
PB β
TCBI β
FY21
PB β
TCBI β
FY22
PB β
TCBI β
FY23
PB β
TCBI β
FY24
PB β
TCBI β
FY25
PB β
TCBI β
PB
TCBI
Free cash flow
FY16
PB β
TCBI β
FY17
PB β
TCBI β
FY18
PB β
TCBI β
FY19
PB β
TCBI β
FY20
PB β
TCBI β
FY21
PB β
TCBI β
FY22
PB β
TCBI β
FY23
PB β
TCBI β
FY24
PB β
TCBI β
FY25
PB β
TCBI β
PB
TCBI
Return on capital
FY16
PB β
TCBI β
FY17
PB β
TCBI β
FY18
PB β
TCBI β
FY19
PB β
TCBI β
FY20
PB β
TCBI β
FY21
PB β
TCBI β
FY22
PB β
TCBI β
FY23
PB β
TCBI β
FY24
PB β
TCBI β
FY25
PB β
TCBI β
PB
TCBI
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.