Independent Bank (INDB) 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
Independent Bank (INDB) has outperformed Texas Capital Bancshares (TCBI) over the past year, gaining 11.6% versus a gain of 4.6%. Over five years, TCBI leads with a +50.4% price change compared with -2.7% for INDB. Texas Capital Bancshares is the larger company by market cap ($3.88 billion vs $3.65 billion), about 1.1 times the size.
On valuation, Independent Bank trades at a lower forward P/E (9.4x vs 10.9x for Texas Capital Bancshares). Independent Bank offers the higher dividend yield (3.19% vs 0.22%). Texas Capital Bancshares converts more of its revenue into profit, with a net margin of 26.3% versus 23.9%.
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 | INDB | TCBI |
|---|---|---|
| Share price | $77.10 | $89.36 |
| Market cap | $3.65B | $3.88B |
| 1-day change | -1.42% | -1.35% |
| YTD return | +7.02% | +0.04% |
| 1-year return | +11.62% | +4.57% |
| 5-year return | -2.75% | +50.44% |
| P/E ratio (TTM) | 13.82 | 11.62 |
| Forward P/E | 9.36 | 10.85 |
| EPS (TTM) | $5.58 | $7.69 |
| Dividend yield | 3.19% | 0.22% |
| Annual dividend | $2.46 | $0.20 |
| Revenue (latest FY) | $857.52M | $1.26B |
| Revenue growth (YoY) | +24.32% | +34.69% |
| Net income (latest FY) | $205.12M | $330.24M |
| Net margin | 23.92% | 26.30% |
| 52-week high | $87.50 | $108.92 |
| 52-week low | $63.33 | $75.41 |
| Distance from 52-week high | -11.89% | -17.96% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +21.18% | +18.79% |
| Average volume | 358.03K | 492.36K |
| Shares outstanding | 47.37M | 43.47M |
| Employees | 2,294 | 1,785 |
| Sector | Finance | Finance |
| Industry | Major Banks | 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
- Independent Bank offers a meaningfully higher dividend yield (3.19% vs 0.22%).
- Texas Capital Bancshares grew revenue faster in its latest fiscal year (+34.69% vs +24.32%).
About Independent Bank
INDB stock →Independent Bank Corp. operates as the bank holding company for Rockland Trust Company that provides commercial banking products and services to individuals and small-to-medium sized businesses in the United States.
Finance · Major Banks · 2,294 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
INDB vs TCBI FAQ
Which is bigger, Independent Bank or Texas Capital Bancshares?
Texas Capital Bancshares (TCBI) is larger, with a market capitalization of $3.88B compared with $3.65B for Independent Bank (INDB).
Which stock has performed better over the past year, INDB or TCBI?
INDB returned +11.62% over the past 12 months, compared with +4.57% for TCBI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, INDB or TCBI?
TCBI has the lower trailing P/E at 11.6, versus 13.8 for INDB. 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, Independent Bank or Texas Capital Bancshares?
Independent Bank has the higher yield at 3.19%, compared with 0.22% for Texas Capital Bancshares.
Are Independent Bank and Texas Capital Bancshares in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.