Associated Bank
ASB Β· Regional Banks
$30.21
1.3%Texas Capital Bancshares
TCBI Β· Regional Banks
$101.99
3.2%The short version
- Associated Bank is the larger business, with $1.5B of revenue in fiscal 2025 against $1.3B for Texas Capital Bancshares.
- Associated Bank grew revenue faster (43.3%, against 34.7%).
- Investors pay more for each dollar of Texas Capital Bancsharesβs earnings: a P/E of 13.1x against 10.5x for Associated Bank.
| Latest fiscal year | ASB Β· FY25 | TCBI Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $5.0B | $4.7B |
| Revenue | $1.5B | $1.3B |
| Free cash flow | β | β |
| Net income | $475M | $330M |
| Growth | ||
| Revenue growth | 43.3% | 34.7% |
| 5-year growth | 3.1% | 3.6% |
| Share count change | 8.7% | β1.8% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 31.9% | 26.3% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 9.9% | 9.4% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $156M | $186M |
| Valuation & quality | ||
| P/E | 10.5x | 13.1x |
| Piotroski F-score | β | β |
FY16
ASB $1.1B
TCBI $701M
FY17
ASB $1.1B
TCBI $836M
FY18
ASB $1.2B
TCBI $993M
FY19
ASB $1.2B
TCBI $1.1B
FY20
ASB $1.3B
TCBI $1.1B
FY21
ASB $1.1B
TCBI $907M
FY22
ASB $1.2B
TCBI $1.2B
FY23
ASB $1.1B
TCBI $1.1B
FY24
ASB $1.0B
TCBI $932M
FY25
ASB $1.5B
TCBI $1.3B
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ASB β
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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.