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., First Financial Bankshares 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., First Financial Bankshares and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Texas Capital Bancshares, Inc., First Financial Bankshares 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. Texas Capital Bancshares, Inc. was incorporated in 1996 and is headquartered in Dallas, Texas.

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. It also provides personal trust services, such as wealth management; administration of estates, oil and gas management; farm and ranch; property management; testamentary trusts; revocable and irrevocable trusts; and agency accounts. In addition, the company offers commercial and industrial; municipal; agricultural; construction and development; farm; residential; consumer auto and non-auto; and non-owner occupied and owner occupied commercial real estate loans. Further, it provides advice and specialized services related to lending, investing, purchasing, advertising, public relations, and technology services. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas.

Latest Banks and Texas Capital Bancshares, Inc., First Financial Bankshares, Inc. Stock News

As of December 1, 2025, Texas Capital Bancshares, Inc. had a $4.2 billion market capitalization, compared to the Banks median of $489.1 million. Texas Capital Bancshares, Inc.’s stock is up 18.4% in 2025, up 4.5% in the previous five trading days and up 0.55% in the past year.

Currently, Texas Capital Bancshares, Inc.’s price-earnings ratio is 14.8. Texas Capital Bancshares, Inc.’s trailing 12-month revenue is $1.2 billion with a 26.1% net profit margin. Year-over-year quarterly sales growth most recently was 184.8%. Analysts expect adjusted earnings to reach $6.487 per share for the current fiscal year. Texas Capital Bancshares, Inc. does not currently pay a dividend.

As of December 1, 2025, First Financial Bankshares, Inc. had a $4.5 billion market cap, putting it in the 68th percentile of all stocks. First Financial Bankshares, Inc.’s stock is down 12% in 2025, up 2.5% in the previous five trading days and down 27.43% in the past year.

Currently, First Financial Bankshares, Inc.’s price-earnings ratio is 18.5. First Financial Bankshares, Inc.’s trailing 12-month revenue is $581.9 million with a 41.7% net profit margin. Year-over-year quarterly sales growth most recently was 2.6%. Analysts expect adjusted earnings to reach $1.740 per share for the current fiscal year. First Financial Bankshares, Inc. currently has a 2.4% dividend yield.

How We Compare Texas Capital Bancshares, Inc., First Financial Bankshares 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., First Financial Bankshares and Inc.’s stock grades to see how they measure up against one another.

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Texas Capital Bancshares, Inc., First Financial Bankshares and Inc. Stock Value Grades

Company	Ticker	Value
Texas Capital Bancshares, Inc.	TCBI	C
First Financial Bankshares, Inc.	FFIN	D

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.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Texas Capital Bancshares, Inc. has a Value Score of 55, which is Average. First Financial Bankshares, Inc. has a Value Score of 37, which is Expensive.

The Value Stock Winner: No Clear Winner

Neither Texas Capital Bancshares, Inc., First Financial Bankshares or Inc. has a high enough value 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 portfolio. It’s important to look at a wide range of financial metrics in order to determine if Texas Capital Bancshares, Inc., First Financial Bankshares or Inc. is the better investment when it comes to value.

Texas Capital Bancshares, Inc., First Financial Bankshares and Inc. Growth Grades

Company	Ticker	Growth
Texas Capital Bancshares, Inc.	TCBI	D
First Financial Bankshares, Inc.	FFIN	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 26, which is Weak. First Financial Bankshares, Inc. has a Growth Score of 97, which is Very Strong.

The Growth Grade Winner: First Financial Bankshares, Inc.

As you can clearly see from the Growth Grade breakdown above, First Financial Bankshares, 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, First Financial Bankshares, 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., First Financial Bankshares and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Texas Capital Bancshares, Inc.	TCBI	B
First Financial Bankshares, Inc.	FFIN	D

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

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Texas Capital Bancshares, Inc. has a Earnings Estimate Score of 78, which is Positive. First Financial Bankshares, Inc. has a Earnings Estimate Score of 34, which is Negative.

The Earnings Estimate Revisions Grade Winner: Texas Capital Bancshares, Inc.

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, Texas Capital Bancshares, Inc. has a better Earnings Estimate Revisions Grade than First Financial Bankshares, Inc.. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, Texas Capital Bancshares, Inc. could be a good stock to invest in. However, it’s important to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Texas Capital Bancshares, Inc., First Financial Bankshares and Inc. Grades

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

Momentum grades help 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.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite 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 F-Score.

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., First Financial Bankshares 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., First Financial Bankshares or Inc. Stock?

Overall, Texas Capital Bancshares, Inc. stock has a Value Score of 55, Growth Score of 26 and Estimate Revisions Score of 78.

First Financial Bankshares, Inc. stock has a Value Score of 37, Growth Score of 97 and Estimate Revisions Score of 34.

Comparing Texas Capital Bancshares, Inc., First Financial Bankshares 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.