Texas capital

Texas Capital Bancshares (NASDAQ:TCBI) vs. Primis Financial (NASDAQ:FRST) Head-to-Head Analysis


Texas Capital Bancshares (NASDAQ:TCBI – Get Rating) and Primis Financial (NASDAQ:FRST – Get Rating) are both finance companies, but which is the better stock? We’ll compare the two companies based on their dividend strength, analyst recommendations, valuation, earnings, risk, institutional ownership and profitability.

Risk and Volatility

Texas Capital Bancshares has a beta of 1.53, suggesting its stock price is 53% more volatile than the S&P 500. Comparatively, Primis Financial has a beta of 0.83, suggesting its stock price is 17 % less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of recent ratings and recommendations for Texas Capital Bancshares and Primis Financial, as reported by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Texas Capital Bancshares 0 4 1 1 2.50
Primis Financial 0 0 0 0 N / A

Texas Capital Bancshares currently has a consensus target price of $63.67, indicating a potential upside of 8.02%. Given the higher possible upside of Texas Capital Bancshares, analysts clearly believe that Texas Capital Bancshares is more favorable than Primis Financial.

Benefits and evaluation

This chart compares the gross revenue, earnings per share, and valuation of Texas Capital Bancshares and Primis Financial.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Texas Capital Bancshares $1.01 billion 2.90 $253.94 million $3.23 6:25 p.m.
Primis Financial $124.38 million 2.69 $31.25 million $0.86 15.79

Texas Capital Bancshares has higher revenue and profit than Primis Financial. Primis Financial trades at a lower price-to-earnings ratio than Texas Capital Bancshares, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares the net margins, return on equity and return on assets of Texas Capital Bancshares and Primis Financial.

Net margins Return on equity return on assets
Texas Capital Bancshares 18.42% 6.48% 0.54%
Primis Financial 17.39% 5.91% 0.72%

Insider and Institutional Ownership

97.8% of the shares of Texas Capital Bancshares are held by institutional investors. By comparison, 67.9% of Primis Financial’s shares are held by institutional investors. 0.6% of Texas Capital Bancshares shares are held by insiders of the company. By comparison, 10.6% of Primis Financial shares are held by insiders of the company. Strong institutional ownership indicates that hedge funds, large money managers, and endowments believe a company is poised for long-term growth.

Summary

Texas Capital Bancshares beats Primis Financial on 12 out of 14 factors compared between the two stocks.

About Texas Capital Bancshares

(Get a rating)

Texas Capital Bancshares, Inc. operates as a bank holding company for Texas Capital Bank, is a full-service financial services company that provides customized solutions to businesses, entrepreneurs and individuals. The Company offers commercial banking, retail banking, investment banking and wealth management. It offers business deposit products and services, including business checking accounts, lockbox accounts and cash concentration accounts, as well as information services, wire transfer initiation, ACH initiation, account transfer and service integration; and consumer deposit products, such as checking accounts, savings accounts, money market accounts and certificates of deposit. The Company also provides commercial loans for general corporate purposes including working capital financing, internal growth, acquisitions and business insurance premiums, as well as consumer loans; loans to exploration and production companies; Mortgages; commercial real estate loans and loans for the financing of residential builders; first and second lien loans to purchase or build residential housing for 1 to 4 families, as well as revolving home equity lines of credit and loans to purchase lots for future construction of residential housing for 1 to 4 families; and real estate loans from a small business administration program, as well as equipment financing and leasing services and letters of credit. Additionally, it offers online and mobile banking, as well as debit and credit card services; escrow services; personal wealth management and fiduciary services; and American Airlines Miles AAdvantage depositors. It operates in the Austin, Fort Worth, Dallas, Houston and San Antonio Texas metropolitan areas. Texas Capital Bancshares, Inc. was incorporated in 1996 and is headquartered in Dallas, Texas.

About Primis Financial

(Get a rating)

Primis Financial Corp. operates as a bank holding company for Primis Bank which provides a range of financial services to individuals and small and medium-sized businesses in the United States. Its deposit products include checking, NOW, savings and money market accounts, as well as certificates of deposit. The Company also offers commercial and real estate products, construction, secured assets, small business administration, warehouse mortgages, as well as financing for medical, dental and veterinary businesses; residential mortgages, trust mortgages, home equity lines of credit, secured and unsecured personal and consumer loans, as well as life insurance premium financing and demand loans. It also offers cash management services including investment/sweep, zero balance and controlled disbursement accounts; and wire transfer, employer/payroll processing, overnight deposit, deposit transfer, merchant, ACH origination, and remote deposit capture services. Additionally, the company provides debit cards, ATM services, notary services, and mobile and online banking. As of December 31, 2021, it operated forty full-service branches in Virginia and Maryland. The company was previously known as Southern National Bancorp of Virginia, Inc. and changed its name to Primis Financial Corp. Primis Financial Corp. was founded in 2004 and is based in McLean, Virginia.



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