TCBI
Texas Capital Bancshares·NASDAQ
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TCBI fundamentals
Texas Capital Bancshares (TCBI) released its earnings on Oct 22, 2025: revenue was 340.35M (YoY +171.56%), beat estimates; EPS was 2.18 (YoY +36.25%), beat estimates.
Revenue / YoY
340.35M
+171.56%
EPS / YoY
2.18
+36.25%
Report date
Oct 22, 2025
TCBI Earnings Call Summary for Q3,2025
- Record Financials: All-time highs in revenue ($340M), net income ($101M), EPS ($2.18), and tangible book value ($73.02).
- Investment Banking Dominance: 20% fee growth, repeat clients driving 35% of fees, #2 in syndicated loans.
- Credit Excellence: 41% YoY criticized loans reduction, 1.79% allowance ratio, 90% new clients adopt multiple services.
- Capital Strength: 12.14% CET1, 10.25% TCE, 24% liquidity, 54% mortgage loans under enhanced credit structures.
- Shareholder Returns: 12% buybacks at $59, 36% EPS growth, 1.3% ROA vs. 1.1% target.
- Strategic Growth: Texas industry expansion, SBA lending top 5, 12% annualized C&I commitments growth.
- Resilient NII: 13% YoY growth, 3.3% margin despite 100bp rate cuts, 3.8% mortgage yield.
- Client Engagement: 22% YoY deposit growth, 91% treasury fee increase, 85% self-funding ratio.
- Risk Management: 3.5x reserves, idiosyncratic credit issues, conservative risk stance.
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Key Indicators
Texas Capital Bancshares (TCBI) key financial stats and ratios, covering profitability, financial health, and leverage.
Texas Capital Bancshares (TCBI)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Texas Capital Bancshares (TCBI)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Texas Capital Bancshares (TCBI)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does Texas Capital Bancshares (TCBI) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Texas Capital Bancshares (TCBI) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What is the revenue and EPS growth rate for Texas Capital Bancshares year over year?Did Texas Capital Bancshares beat or miss consensus estimates last quarter?What were the key takeaways from Texas Capital Bancshares's earnings call?What were the key takeaways from Texas Capital Bancshares’s earnings call?What factors drove the changes in Texas Capital Bancshares's revenue and profit?What does Texas Capital Bancshares do and what are its main business segments?What is Texas Capital Bancshares's latest dividend and current dividend yield?What is Texas Capital Bancshares's gross profit margin?
