TCBI vs UBSI
Texas Capital Bancshares vs United Bankshares — AI-powered side-by-side comparison
TCBI
Texas Capital Bancshares
73
Buy
VS
UBSI
United Bankshares
73
Buy
| Metric | TCBI | UBSI |
|---|
| AI Score |
73
|
73
|
| Price |
$101.09
|
$49.00
|
| P/E Ratio |
13.09×
|
13.43×
|
| ROE |
9.1%
|
8.5%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
62.4%
|
67.8%
|
| Debt / Equity |
0.23×
|
0.15×
|
| Dividend Yield |
0.2%
|
3.1%
|
| RSI (14) |
57.1
|
66.0
|
| Beta |
0.671
|
0.727
|
| Expected Upside |
+5.7%
|
—
|
AI Committee View
Current Innellis committee reasoning for TCBI versus UBSI.
The committee scores are tied.
TCBI and UBSI both score 73/100.
TCBI Committee View
67% agreement
6 analysts
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull Case
- P/E of 12.0 is inexpensive for the broad market — Value
- Price-to-book of 1.1x is a discount to asset value — Value
- Revenue growing 62.2% YoY -- genuine top-line momentum — Growth
UBSI Committee View
83% agreement
6 analysts
The primary driver is revenue growing 50.6% yoy -- genuine top-line momentum. Most analysts agree, and no major concerns are blocking a stronger rating.
Bull Case
- P/E of 13.0 is inexpensive for the broad market — Value
- Price-to-book of 1.0x is a discount to asset value — Value
- Dividend yield of 3.1% pays you to wait — Value
Bear Case
- MACD histogram negative -- bearish momentum — Technical
- Weekly RSI at 79 -- overbought on the larger timeframe too — Technical