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. or The Bank of N.T. Butterfield & Son Limited 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. and The Bank of N.T. Butterfield & Son Limited compare based on key financial metrics to determine which better meets your investment needs.

About Texas Capital Bancshares, Inc. and The Bank of N.T. Butterfield & Son Limited

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.

The Bank of N.T. Butterfield & Son Limited provides a range of community, commercial, and private banking services to individuals and small to medium-sized businesses. The company accepts retail and corporate checking, savings, term, and interest bearing and non-interest-bearing deposits. Its lending portfolio includes residential mortgage lending, automobile lending, consumer financing, credit cards, overdraft facilities, commercial real estate lending, and commercial and industrial loans, as well as overdraft facilities to commercial and corporate customers. The company also offers investment products and services; and cash and liquidity management, foreign exchange, custody administration, and settlement services. In addition, it provides consumer and mortgage lending services; personal and property/auto insurance products; letters of credit; and cash management, payroll, remote banking, money market, advisory, brokerage, trust, estate, company management, treasury, wealth management, and fiduciary services. Further, it offers debit and credit cards; automated teller machines; and personal and business deposit, merchant acquiring, residential and commercial mortgages, and mobile and internet banking services. The company operates through offices in the Cayman Islands, Guernsey, Jersey, the United Kingdom, The Bahamas, Hong Kong, Switzerland, Singapore, Mauritius, and Canada, as well as Bermuda. The Bank of N.T. Butterfield & Son Limited was founded in 1784 and is headquartered in Hamilton, Bermuda.

Latest Banks and Texas Capital Bancshares, Inc., The Bank of N.T. Butterfield & Son Limited Stock News

As of December 10, 2025, Texas Capital Bancshares, Inc. had a $4.4 billion market capitalization, compared to the Banks median of $518.7 million. Texas Capital Bancshares, Inc.’s stock is up 24.6% in 2025, up 3.7% in the previous five trading days and up 10.27% in the past year.

Currently, Texas Capital Bancshares, Inc.’s price-earnings ratio is 15.9. 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 10, 2025, The Bank of N.T. Butterfield & Son Limited had a $2.0 billion market cap, putting it in the 56th percentile of all stocks. The Bank of N.T. Butterfield & Son Limited’s stock is up 39.2% in 2025, up 4.9% in the previous five trading days and up 33.84% in the past year.

Currently, The Bank of N.T. Butterfield & Son Limited’s price-earnings ratio is 9.6. The Bank of N.T. Butterfield & Son Limited’s trailing 12-month revenue is $599.5 million with a 38.0% net profit margin. Year-over-year quarterly sales growth most recently was 7.4%. Analysts expect adjusted earnings to reach $5.533 per share for the current fiscal year. The Bank of N.T. Butterfield & Son Limited currently has a 4.0% dividend yield.

How We Compare Texas Capital Bancshares, Inc. and The Bank of N.T. Butterfield & Son Limited 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. and The Bank of N.T. Butterfield & Son Limited’s stock grades to see how they measure up against one another.

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Texas Capital Bancshares, Inc. and The Bank of N.T. Butterfield & Son Limited Stock Value Grades

Company	Ticker	Value
Texas Capital Bancshares, Inc.	TCBI	C
The Bank of N.T. Butterfield & Son Limited	NTB	B

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 52, which is Average. The Bank of N.T. Butterfield & Son Limited has a Value Score of 76, which is Value.

The Value Stock Winner: The Bank of N.T. Butterfield & Son Limited

As you can clearly see from the Value Grade breakdown above, The Bank of N.T. Butterfield & Son Limited is considered to have better value than Texas Capital Bancshares, Inc.. For investors who focus solely on a company’s valuation, The Bank of N.T. Butterfield & Son Limited 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. and The Bank of N.T. Butterfield & Son Limited’s Momentum Grades

Company	Ticker	Momentum
Texas Capital Bancshares, Inc.	TCBI	B
The Bank of N.T. Butterfield & Son Limited	NTB	B

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 62, which is Strong. The Bank of N.T. Butterfield & Son Limited has a Momentum Score of 73, which is Strong.

The Momentum Grade Winner: It’s a Tie!

Looking at the Momentum Grade breakdown above, both Texas Capital Bancshares, Inc. and The Bank of N.T. Butterfield & Son Limited have a grade of B. For those who focus solely on a company’s momentum, further research will need to be conducted into both companies to see if they fit your individual needs as an investor.

Texas Capital Bancshares, Inc. and The Bank of N.T. Butterfield & Son Limited’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Texas Capital Bancshares, Inc.	TCBI	B
The Bank of N.T. Butterfield & Son Limited	NTB	C

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 80, which is Positive. The Bank of N.T. Butterfield & Son Limited has a Earnings Estimate Score of 60, which is Neutral.

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 The Bank of N.T. Butterfield & Son Limited. 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. and The Bank of N.T. Butterfield & Son Limited Grades

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

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

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. and The Bank of N.T. Butterfield & Son Limited 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. or The Bank of N.T. Butterfield & Son Limited Stock?

Overall, Texas Capital Bancshares, Inc. stock has a Value Score of 52, Momentum Score of 62 and Estimate Revisions Score of 80.

The Bank of N.T. Butterfield & Son Limited stock has a Value Score of 76, Momentum Score of 73 and Estimate Revisions Score of 60.

Comparing Texas Capital Bancshares, Inc. and The Bank of N.T. Butterfield & Son Limited’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.