Texas Capital Financials
Texas Capital (TCBI) reported $1.8B in revenue for fiscal year 2025, up 2.4% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Funding-cost normalization, not balance-sheet expansion, drove FY2025 as a large asset base finally produced stronger returns.
Assets rose from$28.4B in FY2023 to$31.5B in FY2025, yet asset growth did not automatically create earnings. ROA fell to0.2% in FY2024 before rebounding to1.1% in FY2025, pointing to a profitability reset on an already-large balance sheet rather than a growth-driven recovery.
Revenue moved from
Leverage eased as long-term debt fell from
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Texas Capital's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Texas Capital passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Texas Capital generates $1.09 in operating cash flow ($360.2M OCF vs $330.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Texas Capital generated $1.8B in revenue in fiscal year 2025. This represents an increase of 2.4% from the prior year.
Texas Capital reported $330.2M in net income in fiscal year 2025. This represents an increase of 326.1% from the prior year.
Texas Capital earned $6.79 per diluted share (EPS) in fiscal year 2025. This represents an increase of 430.5% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Texas Capital generated $347.6M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 16.3% from the prior year.
Texas Capital held $2.1B in cash against $620.6M in long-term debt as of fiscal year 2025.
Not reported for fiscal year 2025.
Margins & Returns
Texas Capital's net profit margin was 18.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 14.2 percentage points from the prior year.
Texas Capital's ROE was 9.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 6.8 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Texas Capital spent $185.8M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 128.0% from the prior year.
Texas Capital invested $12.6M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 80.6% from the prior year.
Not reported for fiscal year 2025.
TCBI Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.8B | $1.8B+2.4% | $1.7B+6.1% | $1.6B+42.4% | $1.1B+30.5% | $876.5M-15.7% | $1.0B-23.3% | $1.4B+16.4% | $1.2B+32.4% | $879.3M+25.0% | $703.4M+16.7% | $603.0M+17.2% | $514.5M+15.7% | $444.6M+11.6% | $398.5M+267320.8% | $149K |
| SG&A Expenses | $491.4M | $480.5M+3.0% | $466.6M+1.5% | $459.7M+5.7% | $434.9M+24.2% | $350.2M+2.8% | $340.5M+3.7% | $328.5M+9.2% | $300.9M+12.9% | $266.5M+16.4% | $229.0M+18.9% | $192.6M+13.9% | $169.1M+7.2% | $157.8M+29.9% | $121.5M+20.8% | $100.5M |
| Interest Expense | $709.6M | $743.1M-10.3% | $828.3M+15.7% | $715.8M+166.6% | $268.5M+149.2% | $107.7M-42.7% | $188.1M-51.2% | $385.6M+54.6% | $249.3M+111.4% | $118.0M+85.5% | $63.6M+37.0% | $46.4M+23.5% | $37.6M+49.7% | $25.1M+16.4% | $21.6M+15.6% | $18.7M |
| Income Tax | $111.9M | $102.5M+246.7% | $29.6M-48.6% | $57.5M-42.1% | $99.3M+18.0% | $84.1M+227.8% | $25.7M-69.6% | $84.3M+5.4% | $80.0M-37.8% | $128.6M+49.5% | $86.1M+8.1% | $79.6M+4.8% | $76.0M+13.9% | $66.8M-1.6% | $67.9M+60.4% | $42.3M |
| Net Income | $364.6M | $330.2M+326.1% | $77.5M-59.0% | $189.1M-43.1% | $332.5M+30.9% | $253.9M+283.1% | $66.3M-78.8% | $312.0M+6.3% | $293.4M+49.6% | $196.1M+26.4% | $155.1M+7.1% | $144.9M+6.2% | $136.4M+12.6% | $121.1M+0.3% | $120.7M+58.8% | $76.0M |
| EPS (Diluted) | — | $6.79+430.5% | $1.28-63.8% | $3.54-42.7% | $6.18+34.3% | $4.60+310.7% | $1.12-81.3% | $5.99+6.2% | $5.64+51.2% | $3.73+19.9% | $3.11+6.9% | $2.91+1.0% | $2.88+5.9% | $2.72-9.3% | $3.00+51.5% | $1.98 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
TCBI Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $31.5B+2.6% | $30.7B+8.4% | $28.4B-0.2% | $28.4B-18.2% | $34.7B-7.9% | $37.7B+15.9% | $32.5B+15.2% | $28.3B+12.7% | $25.1B+15.6% | $21.7B+14.8% | $18.9B+18.8% | $15.9B+35.7% | $11.7B+11.2% | $10.5B+29.5% | $8.1B |
| Cash & Equivalents | $2.1B-34.2% | $3.2B-1.7% | $3.2B-35.3% | $5.0B-36.9% | $7.9B-13.7% | $9.2B+108.0% | $4.4B+43.7% | $3.1B+6.0% | $2.9B+2.3% | $2.8B+58.5% | $1.8B+34.6% | $1.3B+764.5% | $153.9M-25.4% | $206.3M+86.6% | $110.6M |
| Goodwill | $1.5M0.0% | $1.5M0.0% | $1.5M0.0% | $1.5M-90.1% | $15.1M0.0% | $15.1M0.0% | $15.1M0.0% | $15.1M0.0% | $15.1M0.0% | $15.1M0.0% | $15.1M+0.7% | $15.0M0.0% | $15.0M+6.8% | $14.0M0.0% | $14.0M |
| Total Liabilities | $27.9B+2.0% | $27.4B+8.8% | $25.2B-0.8% | $25.4B-19.6% | $31.5B-9.6% | $34.9B+17.2% | $29.7B+15.4% | $25.8B+12.6% | $22.9B+16.2% | $19.7B+13.9% | $17.3B+19.8% | $14.4B+35.7% | $10.6B+9.5% | $9.7B+29.0% | $7.5B |
| Long-Term Debt | $620.6M-6.0% | $660.3M-23.1% | $859.1M-7.8% | $931.4M+0.3% | $928.7M+134.6% | $395.9M | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $3.6B+7.8% | $3.4B+5.3% | $3.2B+4.7% | $3.1B-4.8% | $3.2B+11.8% | $2.9B+2.5% | $2.8B+12.9% | $2.5B+13.3% | $2.2B+9.6% | $2.0B+23.1% | $1.6B+9.4% | $1.5B+35.4% | $1.1B+31.1% | $836.2M+35.7% | $616.3M |
| Retained Earnings | $2.8B+12.5% | $2.5B+2.5% | $2.4B+7.6% | $2.3B+16.2% | $1.9B+13.7% | $1.7B+3.0% | $1.7B+22.2% | $1.4B+26.3% | $1.1B+20.9% | $891.5M+17.6% | $757.8M+21.7% | $622.7M+25.5% | $496.1M+29.7% | $382.5M+46.1% | $261.8M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.
TCBI Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $487.8M | $360.2M-25.0% | $480.1M+28.5% | $373.7M+152.6% | $148.0M-77.5% | $657.3M-75.1% | $2.6B+1199.1% | -$240.2M+64.7% | -$679.7M-614.3% | $132.2M+118.2% | -$726.3M-1153.5% | $68.9M-56.3% | $157.7M-17.6% | $191.4M+114.4% | $89.3M+17.7% | $75.9M |
| Capital Expenditures | $16.0M | $12.6M-80.6% | $64.8M+295.8% | $16.4M+45.4% | $11.3M+173.1% | $4.1M+47.6% | $2.8M-83.2% | $16.7M+117.6% | $7.7M-37.6% | $12.3M+463.6% | $2.2M-56.8% | $5.0M-68.0% | $15.7M+290.5% | $4.0M+13.9% | $3.5M+7.7% | $3.3M |
| Free Cash Flow | $471.2M | $347.6M-16.3% | $415.2M+16.2% | $357.4M+161.4% | $136.7M-79.1% | $653.2M-75.2% | $2.6B+1126.7% | -$256.8M+62.6% | -$687.4M-673.3% | $119.9M+116.5% | -$728.5M-1239.9% | $63.9M-55.0% | $142.0M-24.2% | $187.3M+118.5% | $85.7M+18.1% | $72.6M |
| Investing Cash Flow | -$1.0B | -$1.9B+25.2% | -$2.5B-41.2% | -$1.8B-153.1% | $3.3B+168.4% | $1.2B+142.0% | -$2.9B-29.0% | -$2.3B-14.2% | -$2.0B+38.0% | -$3.2B-278.2% | -$850.2M+65.4% | -$2.5B+17.5% | -$3.0B-133.9% | -$1.3B+43.6% | -$2.3B | N/A |
| Financing Cash Flow | $1.6B | $404.3M-79.2% | $1.9B+601.4% | -$387.7M+93.9% | -$6.4B-102.9% | -$3.1B-162.1% | $5.1B+31.4% | $3.9B+35.6% | $2.8B-9.6% | $3.1B+20.0% | $2.6B-8.0% | $2.9B-28.7% | $4.0B+287.8% | $1.0B-54.5% | $2.3B | N/A |
| Share Buybacks | $232.4M | $185.8M+128.0% | $81.5M-22.4% | $105.0M-8.9% | $115.3M | $0 | $0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Not reported in any period shown, so not listed: Dividends Paid.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
TCBI Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 18.6%+14.2pp | 4.5%-7.1pp | 11.6%-17.5pp | 29.1%+0.1pp | 29.0%+22.6pp | 6.4%-16.7pp | 23.0%-2.2pp | 25.2%+2.9pp | 22.3%+0.3pp | 22.1%-2.0pp | 24.0%-2.5pp | 26.5%-0.7pp | 27.2%-3.1pp | 30.3% | 50990.6% |
| Return on Equity | 9.1%+6.8pp | 2.3%-3.6pp | 5.9%-5.0pp | 10.9%+3.0pp | 7.9%+5.6pp | 2.3%-8.8pp | 11.1%-0.7pp | 11.8%+2.9pp | 8.9%+1.2pp | 7.8%-1.2pp | 8.9%-0.3pp | 9.2%-1.9pp | 11.0%-3.4pp | 14.4%+2.1pp | 12.3% |
| Return on Assets | 1.1%+0.8pp | 0.3%-0.4pp | 0.7%-0.5pp | 1.2%+0.4pp | 0.7%+0.5pp | 0.2%-0.8pp | 1.0%-0.1pp | 1.0%+0.3pp | 0.8%+0.1pp | 0.7%-0.1pp | 0.8%-0.1pp | 0.9%-0.2pp | 1.0%-0.1pp | 1.1%+0.2pp | 0.9% |
| Debt-to-Equity | 0.170.0x | 0.20-0.1x | 0.270.0x | 0.300.0x | 0.29+0.2x | 0.14-10.5x | 10.62+0.2x | 10.39-0.1x | 10.45+0.6x | 9.85-0.8x | 10.64+0.9x | 9.720.0x | 9.69-1.9x | 11.61-0.6x | 12.20 |
| FCF Margin | 19.6%-4.4pp | 24.0%+2.1pp | 21.9%+10.0pp | 11.9%-62.6pp | 74.5% | 253.7% | -19.0%+40.1pp | -59.0%-72.7pp | 13.6% | -103.6% | 10.6%-17.0pp | 27.6%-14.5pp | 42.1%+20.6pp | 21.5% | 48702.7% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.
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Where Texas Capital Ranks
Frequently Asked Questions
What is Texas Capital's annual revenue?
Texas Capital (TCBI) reported $1.8B in total revenue for fiscal year 2025. This represents a 2.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Texas Capital's revenue growing?
Texas Capital (TCBI) revenue grew by 2.4% year-over-year, from $1.7B to $1.8B in fiscal year 2025.
Is Texas Capital profitable?
Yes, Texas Capital (TCBI) reported a net income of $330.2M in fiscal year 2025, with a net profit margin of 18.6%.
How much debt does Texas Capital have?
As of fiscal year 2025, Texas Capital (TCBI) had $2.1B in cash and equivalents against $620.6M in long-term debt.
What is Texas Capital's net profit margin?
Texas Capital (TCBI) had a net profit margin of 18.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Texas Capital's return on equity (ROE)?
Texas Capital (TCBI) has a return on equity of 9.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Texas Capital's free cash flow?
Texas Capital (TCBI) generated $347.6M in free cash flow during fiscal year 2025. This represents a -16.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Texas Capital's operating cash flow?
Texas Capital (TCBI) generated $360.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Texas Capital's total assets?
Texas Capital (TCBI) had $31.5B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Texas Capital's capital expenditures?
Texas Capital (TCBI) invested $12.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Texas Capital's debt-to-equity ratio?
Texas Capital (TCBI) had a debt-to-equity ratio of 0.17 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Texas Capital's return on assets (ROA)?
Texas Capital (TCBI) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Texas Capital's Piotroski F-Score?
Texas Capital (TCBI) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Texas Capital's earnings high quality?
Texas Capital (TCBI) has an earnings quality ratio of 1.09x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Texas Capital?
Texas Capital (TCBI) scores 41 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.