Texas Capital Bancshares, Inc. logo

Texas Capital Bancshares, Inc.

TCBI

NASDAQFinancial ServicesBanks - Regional

Latest quote

$98.35

+$0.26 · +0.27%

Aug 21, 3:55 PM ET

TCBI company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

76

Undervalued

Momentum

50

Neutral

Sentiment

71

Bullish

Risk resilience

82

Low Risk

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Company profile

Company website

Texas Capital Bancshares, Inc. serves as the holding company for Texas Capital Bank, operating as a comprehensive financial services firm that delivers tailored solutions to businesses, entrepreneurs, and individual clients. Its offerings encompass commercial banking, consumer banking, investment banking, and wealth management. The company provides businesses with various deposit accounts, such as commercial checking, lockbox, and cash concentration services, alongside digital banking tools for information access, wire transfers, ACH initiation, and account integration. For individual clients, it offers checking, savings, money market accounts, and certificates of deposit. Regarding lending, the firm extends a broad spectrum of options, including commercial loans to fund working capital, growth initiatives, acquisitions, and business insurance premiums, in addition to consumer loans. Specialized financing is available for exploration and production companies, mortgage finance, commercial real estate, and residential homebuilder projects. Furthermore, it offers first and second lien loans for purchasing or constructing 1-4 family residences, home equity revolving lines of credit, and loans for acquiring residential lots. SBA-backed real estate loans, equipment financing and leasing services, and letters of credit round out its lending portfolio. Beyond its core banking and lending activities, clients benefit from online and mobile banking platforms, debit and credit card services, escrow management, and comprehensive personal wealth and trust services. Depositors also have the opportunity to earn American Airlines AAdvantage miles. Its operations are focused within the Austin, Fort Worth, Dallas, Houston, and San Antonio metropolitan areas of Texas. Established in 1996, the firm maintains its headquarters in Dallas, Texas.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Robert C. Holmes
Listed since
Aug 13, 2003
Employees
1,785

Market position

Volume
667.55K
1.36× average
Average volume
489.85K
Average daily volume
Market cap
4.27B USD
Beta
0.67
Market reference 1

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
2.93B USD
P/E (TTM)
12.73×
P/B (TTM)
1.21×
P/S (TTM)
2.18×
EV / EBITDA
6.1×
Earnings yield
8.10%
Free cash flow yield
8.53%
Dividend yield
0.20%

Profitability & efficiency

Gross margin
62.40%
Operating margin
24.85%
Net margin
18.58%
Return on equity
9.09%
Return on assets
1.05%
Return on invested capital
6.66%

Financial health

Debt / equity
0.23×
Current ratio
0.08×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends101%66%31%-4%Gross margin, FY2021: 92.12%Gross margin, FY2022: 73.14%Gross margin, FY2023: 56.02%Gross margin, FY2024: 49.15%Gross margin, FY2025: 60.62%Operating margin, FY2021: 34.25%Operating margin, FY2022: 34.67%Operating margin, FY2023: 13.77%Operating margin, FY2024: 6.08%Operating margin, FY2025: 22.20%Net margin, FY2021: 25.73%Net margin, FY2022: 26.70%Net margin, FY2023: 10.56%Net margin, FY2024: 4.40%Net margin, FY2025: 16.52%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 92.12%. Gross margin FY2022 73.14%. Gross margin FY2023 56.02%. Gross margin FY2024 49.15%. Gross margin FY2025 60.62%. Operating margin FY2021 34.25%. Operating margin FY2022 34.67%. Operating margin FY2023 13.77%. Operating margin FY2024 6.08%. Operating margin FY2025 22.20%. Net margin FY2021 25.73%. Net margin FY2022 26.70%. Net margin FY2023 10.56%. Net margin FY2024 4.40%. Net margin FY2025 16.52%.

Income trends

Revenue

2B USD+13.54%

Operating income

443.71M USD+314.45%

Net income

330.24M USD+326.08%
Income trends across reported periods2.19B USD1.42B USD653.93M USD−114.63M USDRevenue, FY2021: 987.05M USDRevenue, FY2022: 1.25B USDRevenue, FY2023: 1.79B USDRevenue, FY2024: 1.76B USDRevenue, FY2025: 2B USDOperating income, FY2021: 338.06M USDOperating income, FY2022: 431.76M USDOperating income, FY2023: 246.6M USDOperating income, FY2024: 107.06M USDOperating income, FY2025: 443.71M USDNet income, FY2021: 253.94M USDNet income, FY2022: 332.48M USDNet income, FY2023: 189.14M USDNet income, FY2024: 77.51M USDNet income, FY2025: 330.24M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 987.05M USD. Revenue FY2022 1.25B USD. Revenue FY2023 1.79B USD. Revenue FY2024 1.76B USD. Revenue FY2025 2B USD. Operating income FY2021 338.06M USD. Operating income FY2022 431.76M USD. Operating income FY2023 246.6M USD. Operating income FY2024 107.06M USD. Operating income FY2025 443.71M USD. Net income FY2021 253.94M USD. Net income FY2022 332.48M USD. Net income FY2023 189.14M USD. Net income FY2024 77.51M USD. Net income FY2025 330.24M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue2B USD1.76B USD1.79B USD1.25B USD987.05M USD
Cost of goods sold787.15M USD895.25M USD787.8M USD334.48M USD77.75M USD
Gross profit1.21B USD865.35M USD1B USD910.76M USD909.3M USD
Selling, general, and administrative513.27M USD512.28M USD522.33M USD483.54M USD381.23M USD
Operating expenses768.07M USD758.29M USD756.95M USD479.01M USD571.25M USD
Interest income1.77B USD1.73B USD1.63B USD1.14B USD876.59M USD
Interest expense743.15M USD828.25M USD715.8M USD268.48M USD107.75M USD
Depreciation and amortization36.29M USD54.23M USD40.47M USD45.28M USD93.41M USD
Operating income443.71M USD107.06M USD246.6M USD431.76M USD338.06M USD
Net income330.24M USD77.51M USD189.14M USD332.48M USD253.94M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
55%
6 beats, 5 misses, 0 met estimates
Average EPS surprise
+18.47%
11 comparable reports
Latest EPS result
1.83
Estimate 1.87 · Miss by 2.14%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates2.281.791.310.82Q1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 23, 2025: actual 1.43, estimate 1.07, surprise +33.64%, Beat. Q2 2025, reported Apr 17, 2025: actual 0.92, estimate 0.953, surprise -3.46%, Miss. Q3 2025, reported Jul 17, 2025: actual 1.63, estimate 1.28, surprise +27.34%, Beat. Q4 2025, reported Oct 22, 2025: actual 2.18, estimate 1.77, surprise +23.16%, Beat. Q1 2026, reported Jan 22, 2026: actual 2.08, estimate 1.78, surprise +16.85%, Beat. Q2 2026, reported Apr 23, 2026: actual 1.58, estimate 1.4, surprise +12.86%, Beat. Q3 2026, reported Jul 22, 2026: actual 1.83, estimate 1.87, surprise -2.14%, Miss. Q4 2026, reported Oct 21, 2026: actual —, estimate 1.93, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates352.62M324.05M295.48M266.92MQ1 '25MissQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 23, 2025: actual 283.68M USD, estimate 286.75M USD, surprise -1.07%, Miss. Q2 2025, reported Apr 17, 2025: actual 280.48M USD, estimate 284.77M USD, surprise -1.51%, Miss. Q3 2025, reported Jul 17, 2025: actual 307.46M USD, estimate 327.13M USD, surprise -6.01%, Miss. Q4 2025, reported Oct 22, 2025: actual 317.36M USD, estimate 326.54M USD, surprise -2.81%, Miss. Q1 2026, reported Jan 22, 2026: actual 327.48M USD, estimate 323.29M USD, surprise +1.30%, Beat. Q2 2026, reported Apr 23, 2026: actual 323.99M USD, estimate 318.23M USD, surprise +1.81%, Beat. Q3 2026, reported Jul 22, 2026: actual 335.5M USD, estimate 333.28M USD, surprise +0.66%, Beat. Q4 2026, reported Oct 21, 2026: actual —, estimate 339.06M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$109

10.89% upside
Past 12 months12-month forecastHigh $114Average $109Low $100

Rating distribution

39 ratings
Strong buy00%
Buy1026%
Hold2667%
Sell38%
Strong sell00%

Recent analyst actions

12 institutions

TCBI news

Corporate actions

Corporate action history

DividendUpcoming

Ex-dividend Sep 1, 2026

$0.20

Quarterly

Record Sep 1, 2026 · Payment Sep 15, 2026

Dividend

Ex-dividend Jun 1, 2026

$0.20

Irregular

Record Jun 1, 2026 · Payment Jun 15, 2026

TCBI peers

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