Texas Capital Bancshares vs United Bankshares
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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 United Bankshares.
- Texas Capital Bancshares grew revenue faster (34.7%, against 19.6%).
- Investors pay more for each dollar of United Banksharesβs earnings: a P/E of 13.3x against 13.1x for Texas Capital Bancshares.
| Latest fiscal year | TCBI Β· FY25 | UBSI Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $4.7B | $6.9B |
| Revenue | $1.3B | $1.2B |
| Free cash flow | β | β |
| Net income | $330M | $465M |
| Growth | ||
| Revenue growth | 34.7% | 19.6% |
| 5-year growth | 3.6% | 36.3% |
| Share count change | β1.8% | 4.9% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 26.3% | 37.6% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 9.4% | 8.9% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $186M | $336M |
| Valuation & quality | ||
| P/E | 13.1x | 13.3x |
| Piotroski F-score | β | β |
Revenue
FY16
TCBI $701M
UBSI $495M
FY17
TCBI $836M
UBSI $681M
FY18
TCBI $993M
UBSI $240M
FY19
TCBI $1.1B
UBSI $277M
FY20
TCBI $1.1B
UBSI $263M
FY21
TCBI $907M
UBSI $331M
FY22
TCBI $1.2B
UBSI $312M
FY23
TCBI $1.1B
UBSI $1.1B
FY24
TCBI $932M
UBSI $1.0B
FY25
TCBI $1.3B
UBSI $1.2B
TCBI
UBSI
Operating margin
FY16
TCBI β
UBSI β
FY17
TCBI β
UBSI β
FY18
TCBI β
UBSI β
FY19
TCBI β
UBSI β
FY20
TCBI β
UBSI β
FY21
TCBI β
UBSI β
FY22
TCBI β
UBSI β
FY23
TCBI β
UBSI β
FY24
TCBI β
UBSI β
FY25
TCBI β
UBSI β
TCBI
UBSI
Free cash flow
FY16
TCBI β
UBSI β
FY17
TCBI β
UBSI β
FY18
TCBI β
UBSI β
FY19
TCBI β
UBSI β
FY20
TCBI β
UBSI β
FY21
TCBI β
UBSI β
FY22
TCBI β
UBSI β
FY23
TCBI β
UBSI β
FY24
TCBI β
UBSI β
FY25
TCBI β
UBSI β
TCBI
UBSI
Return on capital
FY16
TCBI β
UBSI β
FY17
TCBI β
UBSI β
FY18
TCBI β
UBSI β
FY19
TCBI β
UBSI β
FY20
TCBI β
UBSI β
FY21
TCBI β
UBSI β
FY22
TCBI β
UBSI β
FY23
TCBI β
UBSI β
FY24
TCBI β
UBSI β
FY25
TCBI β
UBSI β
TCBI
UBSI
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.