Texas Capital Bancshares (Nasdaq: TCBI) came in under analyst's estimates last quarter, but now have a chance to fix things this quarter. The company will unveil its latest earnings on Wednesday, July 20. Texas Capital Bancshares is a bank holding company, which currently provides commercial banking services to its customers in Texas and concentrates on middle market commercial and high net worth customers.

What analysts say:

  • Buy, sell, or hold?: Analysts think investors should stand pat on Texas Capital Bancshares with eight of 13 analysts rating it hold. Analysts like Texas Capital Bancshares better than competitor First Financial Bankshares overall. Zero out of eight analysts rate First Financial Bankshares a buy compared to five of 13 for Texas Capital Bancshares. Analysts still rate the stock a Hold, but they are a bit more wary about it compared to three months ago.
  • Revenue Forecasts: On average, analysts predict $67.2 million in revenue this quarter. That would represent a rise of 16% from the year-ago quarter.
  • Wall Street Earnings Expectations: The average analyst estimate is earnings of 36 cents per share. Estimates range from 33 cents to 39 cents.

What our community says:
 CAPS All Stars are solidly backing the stock with 92.3% granting it an "outperform" rating. The community at large agrees with the All Stars with 87.9% assigning it a rating of "outperform." Fools have embraced Texas Capital Bancshares, though the message boards have been quiet lately with only 20 posts in the past 30 days. Texas Capital Bancshares has a CAPS rating of zero out of five stars.

Management:
 Texas Capital Bancshares' profit has risen year over year by an average of 62.8%. Revenue has now gone up for three straight quarters.

Now let's look at how efficient management is at running the business. Traditionally, margins represent the efficiency with which companies capture portions of sales dollars. The following table shows net margins over the past four quarters.

Quarter

Q1

Q4

Q3

Q2

Net Margin

15.3%

14.2%

11.8%

10.7%

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