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TCBI

Texas Capital Bancshares, Inc.

TCBI

Texas Capital Bancshares, Inc. • NASDAQ
$90.17 ▼ -0.07% (-0.06)
Market Cap $4.12 B
52w High $94.61
52w Low $59.37
Dividend Yield 0%
P/E 14.81
Volume 260.43K
Outstanding Shares 45.64M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $506.307M ▲ $190.575M ▲ $92.588M ▲ 18.287% ▲ $2.21 ▲ $137.779M ▲
Q2-2025 $493.636M ▲ $190.276M ▼ $77.328M ▲ 15.665% ▲ $1.59 ▲ $116.64M ▲
Q1-2025 $471.733M ▼ $203.02M ▲ $47.047M ▼ 9.973% ▼ $0.93 ▼ $69.675M ▼
Q4-2024 $491.645M ▲ $172.159M ▼ $71.023M ▲ 14.446% ▲ $1.44 ▲ $108.833M ▲
Q3-2024 $337.762M $195.324M $-61.319M -18.154% $-1.42 $-65.911M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $6.866B ▲ $32.537B ▲ $28.9B ▲ $3.637B ▲
Q2-2025 $2.69B ▼ $31.944B ▲ $28.433B ▲ $3.51B ▲
Q1-2025 $4.083B ▲ $31.376B ▲ $27.946B ▲ $3.43B ▲
Q4-2024 $3.372B ▼ $30.732B ▼ $27.364B ▼ $3.368B ▲
Q3-2024 $7.71B $31.629B $28.275B $3.354B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $131.644M ▲ $604.57M ▲ $-296.71M ▲ $-2.782B ▼ $-2.474B ▼ $609.52M ▲
Q2-2025 $77.328M ▲ $62.997M ▲ $-1.621B ▼ $445.657M ▼ $-1.112B ▼ $57.453M ▲
Q1-2025 $47.047M ▼ $368K ▼ $-23.625M ▲ $636.922M ▲ $613.665M ▲ $-2.048M ▼
Q4-2024 $71.023M ▲ $18.408M ▼ $-240.365M ▲ $-780.82M ▼ $-1.003B ▼ $11.002M ▼
Q3-2024 $-61.319M $333.251M $-456.903M $1.402B $1.279B $318.062M

Five-Year Company Overview

Income Statement

Income Statement Texas Capital’s revenue has generally trended upward over the past several years, but profit has been more uneven. Earnings were strongest a couple of years ago and have since come down, suggesting pressure on margins and higher costs of doing business, likely tied to funding costs, investments in new businesses, and a tougher rate environment. The bank is clearly generating solid business activity, but translating that activity into consistent, growing profit is still a work in progress. Overall, this looks like a bank in the middle of a strategic transition, with earnings not yet fully reflecting the longer‑term plan.

Balance Sheet

Balance Sheet The balance sheet looks more conservative than it did a few years ago. Total assets have pulled back from earlier peaks, which likely reflects a deliberate effort to shrink or reshape parts of the loan and investment book. Cash levels have come down from very high pandemic-era levels but appear stable recently. Debt has been reduced meaningfully over time, while equity has risen, pointing to a stronger capital position and less reliance on borrowing. In simple terms, the bank appears to be running with a sturdier foundation and a less stretched balance sheet than before.

Cash Flow

Cash Flow Cash generation has been positive but somewhat volatile, which is typical for a bank navigating shifting interest rates and balance sheet changes. Operating and free cash flow have both been solid in the last couple of years, and capital spending remains modest, so most of the cash generated is not being heavily absorbed by physical investments. The numbers suggest that, despite earnings ups and downs, the core business is throwing off cash and the bank has room to keep investing in its strategic initiatives without overly straining liquidity.

Competitive Edge

Competitive Edge Texas Capital is a regional bank with deep roots in Texas, which is both its biggest strength and a key concentration risk. Its edge comes from local relationships, industry specialization in areas like energy, healthcare, and technology, and a relationship‑driven, high‑touch service model. The move to become a full‑service financial firm—adding investment banking, wealth management, and specialized lending—broadens how it can serve clients and helps diversify revenue beyond traditional lending. However, it operates in a competitive landscape with large national banks and nimble fintechs, and it remains heavily tied to the health of the Texas economy and credit conditions in its chosen sectors.

Innovation and R&D

Innovation and R&D In banking, “R&D” shows up as technology and product development, and Texas Capital is leaning into this. Its proprietary digital onboarding tool and cloud‑native platforms are aimed at making it easier and faster for businesses to become clients and manage their money, which can deepen relationships and lower operating costs over time. The bank is building out specialized platforms such as its digital-only Bask Bank, advanced treasury solutions, electronic foreign exchange, and a direct lending business, and is exploring greater use of data, analytics, and potentially AI. It is also expanding investment banking, wealth management, and SBA lending. The opportunity is a more diversified, tech‑enabled franchise; the risk is that these investments take time and money to scale, and may face stiff competition from larger institutions with deeper technology budgets.

Summary

Texas Capital Bancshares appears to be in the midst of a significant strategic transformation—from a more traditional, loan‑focused regional bank into a broader financial services platform with a strong digital backbone and specialized industry expertise. Revenue has grown over time, but profits have recently softened as the bank absorbs higher costs and invests in new capabilities. At the same time, the balance sheet looks stronger and more conservative, with less debt and more equity supporting the business. The bank’s focus on Texas, specialization in key local industries, and expansion into investment banking and wealth management offer clear growth and differentiation potential, but also increase sensitivity to local economic cycles and execution risk. Future performance will likely hinge on credit quality, the trajectory of interest rates, the health of the Texas economy, and how effectively management can turn its technology and product investments into durable, higher‑quality earnings.

NEWS

November 19, 2025 · 4:30 PM UTC

Texas Capital Announces the Liquidation of the Texas Small Cap Equity Index ETF

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October 27, 2025 · 6:30 PM UTC

Texas Capital Bancshares, Inc. Announces Quarterly Dividend for Preferred Stock

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October 22, 2025 · 4:05 PM UTC

Texas Capital Bancshares, Inc. Announces Third Quarter 2025 Results

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October 15, 2025 · 3:44 PM UTC

$2M Grant from FHLB Dallas and Texas Capital Supports Affordable Housing in Fort Worth, Texas

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October 14, 2025 · 6:30 AM UTC

Media Advisory: FHLB Dallas, Presbyterian Night Shelter and Texas Capital to Celebrate Grand Opening of Affordable Housing Development

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