Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Texas Capital Bancshares, Inc., Pinnacle Financial Partners or Inc. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Texas Capital Bancshares, Inc., Pinnacle Financial Partners and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Texas Capital Bancshares, Inc., Pinnacle Financial Partners and Inc.

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. The company offers commercial banking; consumer banking; investment banking solutions, including capital markets, mergers and acquisitions, and syndicated finance, as well as financial sponsor coverage, capital solutions, and institutional services; and wealth management services, such as investment management, financial planning, lockbox and insurance, securities-based lending, estate planning, and business succession, as well as philanthropic, trustee and executor, custom credit, and depository services. It also provides deposit accounts, analyzed accounts, commercial card, SBA and business loans, packaged solutions, and merchant services; liquidity and investments, working capital, international trade and payment, and treasury and credit products; and commercial real estate, homebuilder and community, and mortgage finance. In addition, the company offers payables and receivables management; online and mobile banking; term loans and lines of credit, equipment finance and lease, acquisition finance, and asset-based lending; private wealth advisory solutions; and checking and savings accounts, debit and credit cards, and certificates of deposit, as well as ETF and funds management services. Further, it provides financial institution money market accounts and loan syndication products; commercial loans for financing for working capital, organic growth, and acquisitions; real estate term and construction loans; mortgage warehouse lending services; treasury management, trust, and advisory and escrow services; and letters of credit. The company operates in Austin, Dallas, Fort Worth, Houston, and San Antonio metropolitan areas of Texas, as well as in California and New York. The company was incorporated in 1996 and is headquartered in Dallas, Texas.

Pinnacle Financial Partners, Inc. operates as the bank holding company for Pinnacle Bank that provides various banking products and services to individuals, businesses, and professional entities in the United States. It accepts various deposits, including savings, noninterest-bearing and interest-bearing checking, money market, and certificate of deposit accounts; and provides treasury management services, such as online wire origination, enhanced ACH origination, positive pay, zero balance and sweep accounts, automated bill pay services, electronic receivables processing, lockbox processing, and merchant card acceptance services, small business and commercial credit cards corporate purchasing cards, and virtual accounting/deposit escrow solutions. The company also offers equipment and working capital loans; commercial real estate loans, such as investment properties and business loan; secured and unsecured loans comprising installment and term, lines of credit, and residential first mortgage, as well as home equity loans and home equity lines of credit; and credit cards for consumers and businesses. In addition, the company provides investment products; brokerage and investment advisory programs; and fiduciary and investment services, including personal trust, investment management, estate administration, endowments, foundations, individual retirement accounts, escrow services, and custody. Further, it offers insurance agency services in the property and casualty area; investment, merger and acquisition advisory services, private debt, equity and mezzanine placement services, and other middle-market advisory services; and other banking services, including telephone and online banking, mobile banking, debit cards, direct deposit and remote deposit capture, mobile deposit option, automated teller machine, and cash management services. Pinnacle Financial Partners, Inc. was incorporated in 2000 and is headquartered in Atlanta, Georgia.

Latest Banks and Texas Capital Bancshares, Inc., Pinnacle Financial Partners, Inc. Stock News

As of June 25, 2026, Texas Capital Bancshares, Inc. had a $4.5 billion market capitalization, compared to the Banks median of $719.9 million. Texas Capital Bancshares, Inc.’s stock is NA in 2026, NA in the previous five trading days and up 33.01% in the past year.

Currently, Texas Capital Bancshares, Inc.’s price-earnings ratio is 13.9. Texas Capital Bancshares, Inc.’s trailing 12-month revenue is $1.2 billion with a 28.7% net profit margin. Year-over-year quarterly sales growth most recently was 16.9%. Analysts expect adjusted earnings to reach $7.626 per share for the current fiscal year. Texas Capital Bancshares, Inc. currently has a 0.8% dividend yield.

Currently, Pinnacle Financial Partners, Inc.’s price-earnings ratio is 15.2. Pinnacle Financial Partners, Inc.’s trailing 12-month revenue is $2.6 billion with a 24.7% net profit margin. Year-over-year quarterly sales growth most recently was 156.4%. Analysts expect adjusted earnings to reach $10.270 per share for the current fiscal year. Pinnacle Financial Partners, Inc. currently has a 2.0% dividend yield.

How We Compare Texas Capital Bancshares, Inc., Pinnacle Financial Partners and Inc. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Texas Capital Bancshares, Inc., Pinnacle Financial Partners and Inc.’s stock grades to see how they measure up against one another.

Learn more about A+ Investor here!

Sign Up to Receive a Free Special Report Showing How A+ Grades Can Help You Make Smarter Investment Decisions

Texas Capital Bancshares, Inc., Pinnacle Financial Partners and Inc. Growth Grades

Company	Ticker	Growth
Texas Capital Bancshares, Inc.	TCBI	B
Pinnacle Financial Partners, Inc.	PNFP	A

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Texas Capital Bancshares, Inc. has a Growth Score of 77, which is Strong. Pinnacle Financial Partners, Inc. has a Growth Score of 89, which is Very Strong.

The Growth Grade Winner: Pinnacle Financial Partners, Inc.

As you can clearly see from the Growth Grade breakdown above, Pinnacle Financial Partners, Inc. has a more attractive growth grade than Texas Capital Bancshares, Inc.. For investors who focus solely on how a company is growing relative to other companies in the same industry, Pinnacle Financial Partners, Inc. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Texas Capital Bancshares, Inc., Pinnacle Financial Partners and Inc.’s Quality Grades

Company	Ticker	Quality
Texas Capital Bancshares, Inc.	TCBI	D
Pinnacle Financial Partners, Inc.	PNFP	F

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

Texas Capital Bancshares, Inc. has a Quality Score of 25, which is Weak. Pinnacle Financial Partners, Inc. has a Quality Score of 0, which is Very Weak.

The Quality Stock Winner: No Clear Winner

Neither Texas Capital Bancshares, Inc., Pinnacle Financial Partners or Inc. has a high enough Quality Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Texas Capital Bancshares, Inc., Pinnacle Financial Partners or Inc. is the better investment when it comes to quality.

Texas Capital Bancshares, Inc., Pinnacle Financial Partners and Inc.’s Momentum Grades

Company	Ticker	Momentum
Texas Capital Bancshares, Inc.	TCBI	B
Pinnacle Financial Partners, Inc.	PNFP	C

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Texas Capital Bancshares, Inc. has a Momentum Score of 61, which is Strong. Pinnacle Financial Partners, Inc. has a Momentum Score of 42, which is Average.

The Momentum Grade Winner: Texas Capital Bancshares, Inc.

As you can clearly see from the Momentum Grade breakdown above, Texas Capital Bancshares, Inc. is considered to have stronger momentum compared to Pinnacle Financial Partners, Inc.. For those specifically looking for companies that have stronger momentum compared to other companies in the same industry, Texas Capital Bancshares, Inc. could be a good stock to invest in. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Texas Capital Bancshares, Inc., Pinnacle Financial Partners and Inc. Grades

In addition to Momentum, Quality and Growth, A+ Investor also provides grades for Value and Estimate Revisions.

Earnings estimate revisions scores take into account the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, surprises beget further surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection. Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Texas Capital Bancshares, Inc., Pinnacle Financial Partners and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Texas Capital Bancshares, Inc., Pinnacle Financial Partners or Inc. Stock?

Overall, Texas Capital Bancshares, Inc. stock has a Growth Score of 77, Momentum Score of 61 and Quality Score of 25.

Pinnacle Financial Partners, Inc. stock has a Growth Score of 89, Momentum Score of 42 and Quality Score of 0.

Comparing Texas Capital Bancshares, Inc., Pinnacle Financial Partners and Inc.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.