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., Flagstar Bank, National Association, Flagstar Bank or National Association 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., Flagstar Bank, National Association, Flagstar Bank and National Association compare based on key financial metrics to determine which better meets your investment needs.

About Texas Capital Bancshares, Inc., Flagstar Bank, National Association, Flagstar Bank and National Association

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.

Flagstar Bank, National Association provides banking products and services in the United States. The company’s deposit products include interest-bearing checking and money market, savings, and non-interest-bearing accounts, as well as certificates of deposit. It offers loan products comprising multi-family loans; commercial real estate loans; acquisition, development, and construction loans; commercial and industrial loans; one-to-four family loans; specialty finance loans and leases; warehouse loans; and home equity lines of credit, as well as other consumer loans, including overdraft loans. The company offers non-deposit investment and insurance products; and online and mobile banking services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as Flagstar Financial, Inc. Flagstar Bank, National Association was founded in 1859 and is headquartered in Hicksville, New York.

Flagstar Bank, National Association provides banking products and services in the United States. The company’s deposit products include interest-bearing checking and money market, savings, and non-interest-bearing accounts, as well as certificates of deposit. It offers loan products comprising multi-family loans; commercial real estate loans; acquisition, development, and construction loans; commercial and industrial loans; one-to-four family loans; specialty finance loans and leases; warehouse loans; and home equity lines of credit, as well as other consumer loans, including overdraft loans. The company offers non-deposit investment and insurance products; and online and mobile banking services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as Flagstar Financial, Inc. Flagstar Bank, National Association was founded in 1859 and is headquartered in Hicksville, New York.

Latest Banks and Texas Capital Bancshares, Inc., Flagstar Bank, National Association Stock News

As of August 20, 2026, Texas Capital Bancshares, Inc. had a $4.3 billion market capitalization, compared to the Banks median of $751.0 million. Texas Capital Bancshares, Inc.’s stock is NA in 2026, NA in the previous five trading days and up 17.29% in the past year.

Currently, Texas Capital Bancshares, Inc.’s price-earnings ratio is 12.7. Texas Capital Bancshares, Inc.’s trailing 12-month revenue is $1.3 billion with a 28.7% net profit margin. Year-over-year quarterly sales growth most recently was 8.5%. Analysts expect adjusted earnings to reach $7.401 per share for the current fiscal year. Texas Capital Bancshares, Inc. currently has a 0.8% dividend yield.

Currently, Flagstar Bank, National Association’s price-earnings ratio is 374.7. Flagstar Bank, National Association’s trailing 12-month revenue is $2.0 billion with a 2.4% net profit margin. Year-over-year quarterly sales growth most recently was 15.3%. Analysts expect adjusted earnings to reach $0.353 per share for the current fiscal year. Flagstar Bank, National Association currently has a 0.3% dividend yield.

How We Compare Texas Capital Bancshares, Inc., Flagstar Bank, National Association, Flagstar Bank and National Association 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., Flagstar Bank, National Association, Flagstar Bank and National Association’s stock grades to see how they measure up against one another.

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Texas Capital Bancshares, Inc., Flagstar Bank, National Association, Flagstar Bank and National Association Stock Value Grades

Company	Ticker	Value
Texas Capital Bancshares, Inc.	TCBI	B
Flagstar Bank, National Association	FLG	D
Flagstar Bank, National Association	FLG	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 79, which is Value. Flagstar Bank, National Association has a Value Score of 25, which is Expensive. Flagstar Bank, National Association has a Value Score of 25, which is Expensive.

The Value Stock Winner: Texas Capital Bancshares, Inc.

As you can clearly see from the Value Grade breakdown above, Texas Capital Bancshares, Inc. is considered to have better value than Flagstar Bank, National Association. For investors who focus solely on a company’s valuation, Texas Capital Bancshares, 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., Flagstar Bank, National Association, Flagstar Bank and National Association’s Quality Grades

Company	Ticker	Quality
Texas Capital Bancshares, Inc.	TCBI	D
Flagstar Bank, National Association	FLG	D
Flagstar Bank, National Association	FLG	D

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 30, which is Weak. Flagstar Bank, National Association has a Quality Score of 26, which is Weak. Flagstar Bank, National Association has a Quality Score of 26, which is Weak.

The Quality Stock Winner: No Clear Winner

Neither Texas Capital Bancshares, Inc., Flagstar Bank, National Association, Flagstar Bank or National Association 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., Flagstar Bank, National Association, Flagstar Bank or National Association is the better investment when it comes to quality.

Texas Capital Bancshares, Inc., Flagstar Bank, National Association, Flagstar Bank and National Association’s Momentum Grades

Company	Ticker	Momentum
Texas Capital Bancshares, Inc.	TCBI	C
Flagstar Bank, National Association	FLG	C
Flagstar Bank, National Association	FLG	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 49, which is Average. Flagstar Bank, National Association has a Momentum Score of 47, which is Average. Flagstar Bank, National Association has a Momentum Score of 47, which is Average.

The Momentum Stock Winner: No Clear Winner

Neither Texas Capital Bancshares, Inc., Flagstar Bank, National Association, Flagstar Bank or National Association has a strong enough Momentum Grade to be considered a “winner.” Investors 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., Flagstar Bank, National Association, Flagstar Bank or National Association is the better investment when it comes to momentum.

Other Texas Capital Bancshares, Inc., Flagstar Bank, National Association, Flagstar Bank and National Association Grades

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

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.

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., Flagstar Bank, National Association, Flagstar Bank and National Association 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., Flagstar Bank, National Association, Flagstar Bank or National Association Stock?

Overall, Texas Capital Bancshares, Inc. stock has a Value Score of 79, Momentum Score of 49 and Quality Score of 30.

Flagstar Bank, National Association stock has a Value Score of 25, Momentum Score of 47 and Quality Score of 26.

Flagstar Bank, National Association stock has a Value Score of 25, Momentum Score of 47 and Quality Score of 26.

Comparing Texas Capital Bancshares, Inc., Flagstar Bank, National Association, Flagstar Bank and National Association’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.