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

Texas Capital Bancshares Inc.

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Texas Capital Bancshares Inc. wins in 6 metrics, U.S. Bancorp wins in 11 metrics, with 0 ties. U.S. Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Texas Capital Bancshares Inc. U.S. Bancorp Better
P/E Ratio (TTM) 13.94 11.92 U.S. Bancorp
Price-to-Book Ratio 1.38 1.51 Texas Capital Bancshares Inc.
Debt-to-Equity Ratio 0.24 1.21 Texas Capital Bancshares Inc.
PEG Ratio 0.29 0.82 Texas Capital Bancshares Inc.
Profit Margin (TTM) 28.67% 29.29% U.S. Bancorp
Operating Margin (TTM) 32.24% 37.84% U.S. Bancorp
EBITDA Margin (TTM) 32.24% 37.84% U.S. Bancorp
Return on Equity 10.15% 12.35% U.S. Bancorp
Return on Assets (TTM) 1.10% 1.14% U.S. Bancorp
Free Cash Flow (TTM) $347.59M $7.97B U.S. Bancorp
Dividend Yield N/A 3.82% N/A
1-Year Return 34.70% 37.10% U.S. Bancorp
Price-to-Sales Ratio (TTM) 3.63 3.32 U.S. Bancorp
Enterprise Value $2.74B $126.46B U.S. Bancorp
EV/Revenue Ratio 2.20 4.75 Texas Capital Bancshares Inc.
Revenue per Share (TTM) $28 $17 Texas Capital Bancshares Inc.
Earnings per Share (Diluted) $7.43 $4.77 Texas Capital Bancshares Inc.
Beta (Stock Volatility) N/A 1.03 N/A
Short % of Float 9.72% 0.00% U.S. Bancorp

Texas Capital Bancshares Inc. vs U.S. Bancorp Stock Performance Analysis

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TCBI
USB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Texas Capital Bancshares Inc.-0.77%0.13%4.95%9.45%4.82%9.85%
U.S. Bancorp-1.95%4.41%8.79%12.96%7.60%7.16%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Texas Capital Bancshares Inc.34.70%89.92%62.81%115.11%297.30%347.97%
U.S. Bancorp37.10%76.20%7.67%43.37%140.67%88.43%

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

MetricTCBIUSB
Market Information
Market Cap i$4.58B$88.06B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i405,9139,829,002
90 Day Avg. Volume i449,87810,401,007
Last Close$100.73$57.79
52 Week Range$73.61 - $108.92$42.55 - $61.19
% from 52W High-7.52%-5.56%
All-Time High$108.92 (Feb 04, 2026)$63.57 (Jan 10, 2022)
% from All-Time High-7.52%-9.09%
Growth Metrics
Quarterly Revenue Growth0.17%0.05%
Quarterly Earnings Growth0.57%0.14%
Financial Health
Profit Margin (TTM) i0.29%0.29%
Operating Margin (TTM) i0.32%0.38%
Return on Equity (TTM) i0.10%0.12%
Debt to Equity (MRQ) i0.241.21
Cash & Liquidity
Book Value per Share (MRQ)$75.28$37.54
Cash per Share (MRQ)$67.88$31.14
Operating Cash Flow (TTM) i$308.36M$6.04B
Levered Free Cash Flow (TTM) i$312.99M$7.19B
Dividends
Last 12-Month Dividend Yield iN/A3.82%
Last 12-Month Dividend iN/A$2.04

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

MetricTCBI (Apr 24, 2026)USB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i13.9411.92
Forward P/E i12.2010.09
PEG Ratio i0.290.82
Price to Sales (TTM) i3.633.32
Price to Book (MRQ) i1.381.51
Market Capitalization
Market Capitalization i$4.58B$88.06B
Enterprise Value i$2.74B$126.46B
Enterprise Value Metrics
Enterprise to Revenue i2.204.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta iN/A1.03
Book Value per Share (MRQ) i$75.28$37.54

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

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricTCBI (2025)USB (2025)
Revenue/Sales i1.26B28.54B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i432.71M9.52B
Pre-Tax Income % of Revenue i34.5%33.3%
Income Tax i102.47M1.92B
Income Tax % of Revenue i8.2%6.7%
Net Income (Profit) i330.24M7.60B
Profit Margin i26.3%26.6%

Balance Sheet & Liquidity Metrics

MetricTCBI (2025)USB (2025)
Cash & Equivalents i2.10B46.89B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i620.58M60.76B
Long-Term Debt % of Revenue i49.4%212.9%
Total Shareholders Equity i3.63B65.65B
Retained Earnings i2.81B80.91B
Retained Earnings % of Revenue i223.7%283.5%
Property, Plant & Equipment i81.48M1.51B

Cash Flow Statement Comparison

MetricTCBI (2025)USB (2025)
Operating Cash Flow i308.36M6.04B
Operating Cash Flow % of Revenue i24.6%21.2%
Capital Expenditures i-12.57MN/A
Free Cash Flow i347.59M7.97B
FCF Margin i27.7%27.9%
Debt Repayment i-40.44M-9.05B
Common Stock Repurchase i-185.85M-489.00M

Short Interest & Institutional Ownership Analysis

MetricTCBIUSB
Shares Short i3.16M27,002
Short Ratio i6.660.00
Short % of Float i9.72%0.00%
Shares Outstanding i44.25M1.56B
Float Shares i42.81M1.55B
% Held by Insiders i1.96%0.14%
% Held by Institutions i103.50%83.55%
% Held by Public i-5.46%16.31%

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

MetricTCBIUSB
Last 12-Month Dividend iN/A$2.04
Last 12-Month Dividend Yield iN/A3.82%
3-Year Avg Annual Dividend iN/A$1.98
3-Year Avg Dividend Yield iN/A1.19%
3-Year Total Dividends iN/A$5.95
Ex-Dividend DateN/ADec 31, 2025