TCBI
Texas Capital Bancshares·NASDAQ
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TCBI fundamentals
Texas Capital Bancshares (TCBI) released its earnings on Jan 22, 2026: revenue was 327.48M (YoY +15.44%), beat estimates; EPS was 2.12 (YoY +48.25%), beat estimates.
Revenue / YoY
327.48M
+15.44%
EPS / YoY
2.12
+48.25%
Report date
Jan 22, 2026
TCBI Earnings Call Summary for Q4,2025
- Record Financial Performance: 2025 marked the largest organic profitability improvement in the bank's history, with ROAA up 30 basis points and EPS growing 53%.
- Fee Income Surge: Fee income from strategic areas reached $192 million, driven by 24% growth in treasury products and 40% increase in investment banking transaction volume.
- Capital Efficiency: Share buybacks repurchased 4.9% of shares at 114% of tangible book value, while CET1 ratio remained sector-leading at 12.1%.
- CRE Caution: CRE loan balances expected to decline 10% YoY, but mortgage finance growth and enhanced credit structures mitigate risk.
- Investment Banking Expansion: 2025 debt arrangements reached $30 billion, with 2026 fee guidance reflecting continued pipeline strength.
EPS
Actual | -0.38 | -0.73 | 1.08 | 1.14 | 1.33 | 1.31 | 0.76 | 1.19 | 0.69 | 0.59 | 0.74 | 4.23 | 0.7 | 1.33 | 1.18 | 0.33 | 0.46 | 0.8 | -1.41 | 1.43 | 0.92 | 1.58 | 2.18 | 2.12 | ||||||||||
Forecast | 0.9859 | 0.1573 | 0.5872 | 1.135 | 1.0953 | 1.2119 | 1.0947 | 0.9096 | 0.7299 | 0.712 | 0.9804 | 0.94 | 0.8657 | 0.9516 | 1.006 | 0.5719 | 0.58 | 0.8612 | -1.9796 | 1.0887 | 0.9528 | 1.2871 | 1.7732 | 1.7639 | ||||||||||
Surprise | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -138.54% | -564.08% | +83.92% | +0.44% | +21.43% | +8.09% | -30.57% | +30.83% | -5.47% | -17.13% | -24.52% | +350.00% | -19.14% | +39.76% | +17.30% | -42.30% | -20.69% | -7.11% | +28.77% | +31.35% | -3.44% | +22.76% | +22.94% | +20.19% |
Revenue
Actual | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 240.10M | 280.43M | 267.92M | 265.90M | 239.16M | 227.10M | 215.31M | 225.49M | 203.83M | 231.77M | 264.41M | 276.75M | 272.75M | 278.00M | 278.94M | 245.85M | 256.33M | 267.01M | 304.91M | 283.68M | 280.48M | 307.46M | 340.35M | 327.48M |
Forecast | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 253.02M | 239.13M | 255.35M | 250.24M | 250.90M | 239.44M | 224.44M | 215.31M | 213.85M | 220.55M | 257.93M | 273.80M | 265.91M | 270.09M | 270.26M | 251.95M | 253.70M | 267.25M | 279.02M | 283.24M | 284.77M | 299.22M | 326.54M | 323.40M |
Surprise | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -5.10% | +17.27% | +4.92% | +6.26% | -4.68% | -5.16% | -4.06% | +4.73% | -4.69% | +5.09% | +2.51% | +1.08% | +2.57% | +2.93% | +3.21% | -2.42% | +1.04% | -0.09% | +9.28% | +0.16% | -1.51% | +2.75% | +4.23% | +1.26% |
Earnings Call
You can ask Aime
What factors drove the changes in Texas Capital Bancshares's revenue and profit?What were the key takeaways from Texas Capital Bancshares's earnings call?What is Texas Capital Bancshares's latest dividend and current dividend yield?What is the market's earnings forecast for Texas Capital Bancshares next quarter?Did Texas Capital Bancshares beat or miss consensus estimates last quarter?What does Texas Capital Bancshares do and what are its main business segments?What is Texas Capital Bancshares's gross profit margin?What guidance did Texas Capital Bancshares's management provide for the next earnings period?
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