On the stock market since 2003, it operates in the world of money and finance. It has 1,818 employees. Now — the numbers.
This is an established company with proven profits.
Average growth of 19% a year over the last 4 years. Every year shown ended in profit.
Executives buying with their own money is usually read as confidence in the company’s future.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Sales are growing strongly for its sector.
The price is looking for direction — no strong breakout, no collapse.
No real weak spot in any of the five subjects — a balanced report card.
The stock trades below its recent peak — about 8% off the top. A pullback, not a collapse.
The net profit margin is 17% — still a thick cushion, though costs have been eating into it lately.
Over the last 3 years, sales grew about 17% a year on average.
Over the last 12 months, company executives reported 74 buys and 62 sells. Management buying with its own money is usually read as a good sign.
The price action doesn’t yet back an upward turn.
On our five-subject report card, TCBI sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: TCBI is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.