Texas Capital Bancshares (TCBI) vs United Community Banks (UCB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Texas Capital Bancshares (TCBI) has outperformed United Community Banks (UCB) over the past year, gaining 7.1% versus a gain of 4.9%. Over five years, TCBI leads with a +53.4% price change compared with -1.1% for UCB. United Community Banks is the larger company by market cap ($4.00 billion vs $3.95 billion), about 1.0 times the size, while Texas Capital Bancshares is growing revenue faster (+34.7% vs +11.7%).
On valuation, United Community Banks trades at a lower forward P/E (9.9x vs 11.0x for Texas Capital Bancshares). United Community Banks offers the higher dividend yield (3.00% vs 0.22%). United Community Banks converts more of its revenue into profit, with a net margin of 30.9% 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 | TCBI | UCB |
|---|---|---|
| Share price | $90.91 | $33.36 |
| Market cap | $3.95B | $4.00B |
| 1-day change | -1.61% | -0.66% |
| YTD return | +2.04% | +7.56% |
| 1-year return | +7.12% | +4.90% |
| 5-year return | +53.45% | -1.12% |
| P/E ratio (TTM) | 11.82 | 10.90 |
| Forward P/E | 11.04 | 9.94 |
| EPS (TTM) | $7.69 | $3.06 |
| Dividend yield | 0.22% | 3.00% |
| Annual dividend | $0.20 | $1.00 |
| Revenue (latest FY) | $1.26B | $1.06B |
| Revenue growth (YoY) | +34.69% | +11.66% |
| Net income (latest FY) | $330.24M | $328.10M |
| Net margin | 26.30% | 30.86% |
| 52-week high | $108.92 | $37.18 |
| 52-week low | $75.41 | $28.65 |
| Distance from 52-week high | -16.54% | -10.27% |
| Analyst consensus | hold | buy |
| Avg. price target upside | +16.77% | +20.41% |
| Average volume | 494.04K | 865.08K |
| Shares outstanding | 43.47M | 119.76M |
| Employees | 1,785 | 3,141 |
| 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
- United Community Banks offers a meaningfully higher dividend yield (3.00% vs 0.22%).
- Texas Capital Bancshares grew revenue faster in its latest fiscal year (+34.69% vs +11.66%).
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
About United Community Banks
UCB stock →United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States.
Finance · Major Banks · 3,141 employees
TCBI vs UCB FAQ
Which is bigger, Texas Capital Bancshares or United Community Banks?
United Community Banks (UCB) is larger, with a market capitalization of $4.00B compared with $3.95B for Texas Capital Bancshares (TCBI).
Which stock has performed better over the past year, TCBI or UCB?
TCBI returned +7.12% over the past 12 months, compared with +4.90% for UCB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, TCBI or UCB?
UCB has the lower trailing P/E at 10.9, versus 11.8 for TCBI. 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, Texas Capital Bancshares or United Community Banks?
United Community Banks has the higher yield at 3.00%, compared with 0.22% for Texas Capital Bancshares.
Are Texas Capital Bancshares and United Community Banks in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.