Texas Capital Bancshares, Inc. — Earnings Quality Grade C
TCBI · Financial Services
Some red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue grew 34.7% but CFFO declined -25.0%
Expense Quality
No material inventory
CapEx growth -80.6% vs revenue 34.7%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.09. Profits backed by cash
FCF $0.3B, FCF/NI = 1.05
Accruals ratio = -0.1%. Low accruals
Cash $2.1B covers debt $0.9B
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Texas Capital Bancshares, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25