Texas Capital [TCBI] vs U.S. Bancorp [USB] Detailed Stock Comparison

Texas Capital

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 18 vital metrics comparison: Texas Capital wins in 7 metrics, U.S. Bancorp wins in 10 metrics, with 0 ties. U.S. Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricTexas CapitalU.S. BancorpBetter
P/E Ratio (TTM)33.6211.50U.S. Bancorp
Price-to-Book Ratio1.211.37Texas Capital
Debt-to-Equity Ratio0.531.34Texas Capital
PEG Ratio0.340.80Texas Capital
Profit Margin (TTM)14.31%27.00%U.S. Bancorp
Operating Margin (TTM)36.68%37.33%U.S. Bancorp
EBITDA Margin (TTM)36.68%37.33%U.S. Bancorp
Return on Equity4.01%11.67%U.S. Bancorp
Return on Assets (TTM)0.43%1.01%U.S. Bancorp
Free Cash Flow (TTM)$416.28M$11.27BU.S. Bancorp
Dividend YieldN/A4.60%N/A
1-Year Return14.29%2.68%Texas Capital
Price-to-Sales Ratio (TTM)4.142.93U.S. Bancorp
Enterprise Value$3.39B$102.84BU.S. Bancorp
EV/Revenue Ratio3.624.02Texas Capital
Revenue per Share (TTM)$20$16Texas Capital
Earnings per Share (Diluted)$2.52$4.18U.S. Bancorp
Beta (Stock Volatility)0.671.08Texas Capital
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Texas Capital vs U.S. Bancorp Stock Performance Analysis

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Texas Capital
U.S. Bancorp
Texas Capital Stock Overview | U.S. Bancorp Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Texas Capital0.14%2.47%-0.78%1.54%37.58%12.77%
U.S. Bancorp-0.46%-1.72%-2.36%-0.59%29.08%-0.75%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Texas Capital14.29%39.19%128.13%64.12%395.25%335.06%
U.S. Bancorp2.68%11.09%21.36%16.51%110.74%69.89%

News Based Sentiment: Texas Capital vs U.S. Bancorp

Texas Capital

News based Sentiment: POSITIVE

Texas Capital Bancshares reported a strong second quarter with an earnings beat and increased institutional investment, alongside strategic initiatives like community grants and team expansion. While analyst sentiment is mixed, the overall narrative points to positive momentum and a commitment to growth, making this a significant month for the bank.

View Texas Capital News Sentiment Analysis

U.S. Bancorp

News based Sentiment: MIXED

October saw U.S. Bancorp maintaining a generally positive outlook with a dividend increase and a 'Buy' rating from Wells Fargo. However, this was tempered by institutional selling and insider transactions, creating a mixed investment narrative. The upcoming earnings release will be key to resolving this ambiguity.

View U.S. Bancorp News Sentiment Analysis

Performance & Financial Health Analysis: Texas Capital vs U.S. Bancorp

MetricTCBIUSB
Market Information
Market Cap i$4.00B$77.24B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i348,1018,651,060
90 Day Avg. Volume i427,8009,873,513
Last Close$86.62$47.50
52 Week Range$59.37 - $94.61$35.18 - $53.98
% from 52W High-8.45%-12.00%
All-Time High$103.05 (May 14, 2018)$63.57 (Jan 10, 2022)
% from All-Time High-15.94%-25.28%
Growth Metrics
Quarterly Revenue Growth0.18%0.03%
Quarterly Earnings Growth0.86%0.13%
Financial Health
Profit Margin (TTM) i0.14%0.27%
Operating Margin (TTM) i0.37%0.37%
Return on Equity (TTM) i0.04%0.12%
Debt to Equity (MRQ) i0.531.34
Cash & Liquidity
Book Value per Share (MRQ)$70.17$35.02
Cash per Share (MRQ)$58.03$39.85
Operating Cash Flow (TTM) i$415.40M$7.48B
Levered Free Cash Flow (TTM) i$60.26M$5.91B
Dividends
Last 12-Month Dividend Yield iN/A4.60%
Last 12-Month Dividend iN/A$1.99

Valuation & Enterprise Metrics Analysis: Texas Capital vs U.S. Bancorp

MetricTCBIUSB
Price Ratios
P/E Ratio (TTM) i33.6211.50
Forward P/E i14.9711.10
PEG Ratio i0.340.80
Price to Sales (TTM) i4.142.93
Price to Book (MRQ) i1.211.37
Market Capitalization
Market Capitalization i$4.00B$77.24B
Enterprise Value i$3.39B$102.84B
Enterprise Value Metrics
Enterprise to Revenue i3.624.02
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.671.08
Book Value per Share (MRQ) i$70.17$35.02

Financial Statements Comparison: Texas Capital vs U.S. Bancorp

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)TCBIUSB
Revenue/Sales i$307.46M$6.93B
Cost of Goods Sold iN/AN/A
Gross Profit iN/AN/A
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
EBITDA iN/AN/A
Pre-Tax Income i$102.19M$2.16B
Income Tax i$24.86M$443.00M
Net Income (Profit) i$77.33M$1.72B

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)TCBIUSB
Cash & Equivalents i$3.80B$50.01B
Total Current Assets iN/AN/A
Total Current Liabilities iN/AN/A
Long-Term Debt i$660.52M$59.86B
Total Shareholders Equity i$3.43B$60.56B
Retained Earnings i$2.54B$77.69B
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)TCBIUSB
Operating Cash Flow i$-16.86M$-750.00M
Capital Expenditures i$-2.42MN/A
Free Cash Flow i$-2.05M$-285.00M
Debt Repayment iN/A$-2.10B
Common Stock Repurchase i$-31.15M$-160.00M

Short Interest & Institutional Ownership Analysis

MetricTCBIUSB
Shares Short i1.68M22.01M
Short Ratio i3.902.51
Short % of Float i0.05%0.01%
Average Daily Volume (10 Day) i348,1018,651,060
Average Daily Volume (90 Day) i427,8009,873,513
Shares Outstanding i46.23M1.56B
Float Shares i44.94M1.55B
% Held by Insiders i0.02%0.00%
% Held by Institutions i1.03%0.82%

Dividend Analysis & Yield Comparison: Texas Capital vs U.S. Bancorp

MetricTCBIUSB
Last 12-Month Dividend iN/A$1.99
Last 12-Month Dividend Yield iN/A4.60%
3-Year Avg Annual Dividend iN/A$1.78
3-Year Avg Dividend Yield iN/A1.19%
3-Year Total Dividends iN/A$5.35
Ex-Dividend DateN/AMar 31, 2025