First Financial Bankshares (FFIN) vs Texas Capital Bancshares (TCBI)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Texas Capital Bancshares (TCBI) has outperformed First Financial Bankshares (FFIN) over the past year, gaining 7.1% versus a loss of 5.9%. Over five years, TCBI leads with a +50.4% price change compared with -34.2% for FFIN. First Financial Bankshares is the larger company by market cap ($4.50 billion vs $4.02 billion), about 1.1 times the size, while Texas Capital Bancshares is growing revenue faster (+34.7% vs +14.7%).
On valuation, Texas Capital Bancshares trades at a lower forward P/E (11.2x vs 14.6x for First Financial Bankshares). First Financial Bankshares offers the higher dividend yield (2.51% vs 0.22%). First Financial Bankshares converts more of its revenue into profit, with a net margin of 40.1% versus 26.3%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | FFIN | TCBI |
|---|---|---|
| Share price | $31.43 | $92.39 |
| Market cap | $4.50B | $4.02B |
| 1-day change | +0.13% | +2.00% |
| YTD return | +5.22% | +2.04% |
| 1-year return | -5.87% | +7.12% |
| 5-year return | -34.19% | +50.44% |
| P/E ratio (TTM) | 16.81 | 12.01 |
| Forward P/E | 14.55 | 11.22 |
| EPS (TTM) | $1.87 | $7.69 |
| Dividend yield | 2.51% | 0.22% |
| Annual dividend | $0.79 | $0.20 |
| Revenue (latest FY) | $631.60M | $1.26B |
| Revenue growth (YoY) | +14.68% | +34.69% |
| Net income (latest FY) | $253.58M | $330.24M |
| Net margin | 40.15% | 26.30% |
| 52-week high | $36.52 | $108.92 |
| 52-week low | $28.12 | $75.41 |
| Distance from 52-week high | -13.94% | -15.18% |
| Analyst consensus | hold | hold |
| Avg. price target upside | +15.46% | +14.89% |
| Average volume | 754.55K | 494.04K |
| Shares outstanding | 143.33M | 43.47M |
| Employees | 1,500 | 1,785 |
| Sector | Financial Services | Finance |
| Industry | Banks - Regional | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- TCBI has outperformed FFIN by 13.0 percentage points over the past year.
- First Financial Bankshares trades at a higher earnings multiple (16.8x vs 12.0x trailing P/E).
- First Financial Bankshares offers a meaningfully higher dividend yield (2.51% vs 0.22%).
- First Financial Bankshares is more profitable, keeping 40.1 cents of every revenue dollar as net income versus 26.3 cents for Texas Capital Bancshares.
- Texas Capital Bancshares grew revenue faster in its latest fiscal year (+34.69% vs +14.68%).
- The two companies sit in different sectors: First Financial Bankshares in Financial Services and Texas Capital Bancshares in Finance.
About First Financial Bankshares
FFIN stock →First Financial Bankshares, Inc., through its subsidiaries, provides banking services in the United States. The company offers general commercial banking services, including checking, savings and time deposits, loans, automated teller machines, drive-in and night deposit services, safe deposit facilities, remote deposit capture, internet banking, mobile banking, payroll cards, funds transfer, and other customary commercial banking service, as well as securities brokerage services.
Financial Services · Banks - Regional · 1,500 employees
About Texas Capital Bancshares
TCBI stock →Texas Capital Bancshares, Inc. operates as the bank holding company for Texas Capital Bank, is a full-service financial services firm that delivers customized solutions to businesses, entrepreneurs, and individual customers.
Finance · Major Banks · 1,785 employees
FFIN vs TCBI FAQ
Which is bigger, First Financial Bankshares or Texas Capital Bancshares?
First Financial Bankshares (FFIN) is larger, with a market capitalization of $4.50B compared with $4.02B for Texas Capital Bancshares (TCBI).
Which stock has performed better over the past year, FFIN or TCBI?
TCBI returned +7.12% over the past 12 months, compared with -5.87% for FFIN (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FFIN or TCBI?
TCBI has the lower trailing P/E at 12.0, versus 16.8 for FFIN. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, First Financial Bankshares or Texas Capital Bancshares?
First Financial Bankshares has the higher yield at 2.51%, compared with 0.22% for Texas Capital Bancshares.
Are First Financial Bankshares and Texas Capital Bancshares in the same industry?
No. First Financial Bankshares is in the Financial Services sector, while Texas Capital Bancshares is in Finance.