What is Texas Capital Bancshares, Inc.'s earnings per share (EPS)?

Texas Capital Bancshares, Inc. (TCBI) reported diluted earnings per share of $6.79 for fiscal year 2025. This represents a 430.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Texas Capital Bancshares, Inc. (TCBI) Financials

TCBI

Trailing 12 months to June 30, 2026

Revenue $1.3B +33.1% YoY

Net Income $364.6M +171.9% YoY

EPS (Diluted) $7.69 +206.4% YoY

Free Cash Flow $471.2M +22.8% YoY

Market Cap $4.1B as of Oct 2, 2026

Price / Sales 3.1x on $1.3B revenue, trailing 12 months to June 30, 2026

Price / Earnings 11.1x on $364.6M net income, trailing 12 months to June 30, 2026

Price / Book 1.1x on $3.6B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 2, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 23, 2026 Currency USD FYE December

Newest figures come from the 10-K for Q2 FY2026, filed Jul 23, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the TCBI SEC filings page.

Texas Capital Bancshares, Inc. (TCBI) reported $1.3B in revenue over the twelve months to Jun 30, 2026, up 33.1% from the prior twelve months. 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).

Rhea AI TCBI FY2025 2026-09-05

Earnings rebound while balance-sheet leverage falls, but cash generation remains tightly linked to funding flows rather than reported profit.

The FY2025 earnings rebound was not mirrored one-for-one in cash: net income reached $330M while operating cash flow was $360M, a much tighter relationship than the prior year's $78M of net income against $480M of operating cash flow. That two-year gap indicates reported profitability is a less consistent guide to cash generation than the bank's balance-sheet and funding movements.

The balance sheet expanded from $30.7B of assets in FY2024 to $31.5B in FY2025 while equity rose from $3.4B to $3.6B, suggesting growth was supported more by retained capital than by heavier leverage. Long-term debt also declined from $660M to $621M, reinforcing a more conservative funding posture.

Reported free cash flow was $348M in FY2025, while share repurchases reached $186M; that allocation returned more than half of the year's internally generated cash to shareholders. The share count consequently fell from 46.0M to 44.2M, making per-share earnings more sensitive to the earnings recovery than total profit alone would suggest.

Financial Health Signals

Financial Health Score 43/100

Scored as: Banks peer group

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 Bancshares, Inc.'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.

Earnings

Texas Capital Bancshares, Inc. earned a return on assets of 1.1% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.3% the prior year. Earnings ranks banks on that return over three years, and Texas Capital Bancshares, Inc. scores 38/100 among other banks.

Growth

Texas Capital Bancshares, Inc. reported revenue of $1.3B in fiscal year 2025, against $932.3M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Texas Capital Bancshares, Inc. scores 50/100 among other banks.

Capital

Texas Capital Bancshares, Inc. funded 11.5% of its assets with shareholders' equity at the end of fiscal year 2025, holding $3.6B of equity against $31.5B of assets. Capital ranks banks on that cushion, and Texas Capital Bancshares, Inc. scores 53/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Texas Capital Bancshares, Inc. scores 34/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Texas Capital Bancshares, Inc. scores 44/100 on it among other banks.

Stability

Texas Capital Bancshares, Inc. reported net income of $330.2M in fiscal year 2025, against $77.5M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Texas Capital Bancshares, Inc. scores 37/100 among other banks.

Piotroski F-Score Partial

7/7

Texas Capital Bancshares, Inc. passes 7 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, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.09x

For every $1 of reported earnings, Texas Capital Bancshares, Inc. 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

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Earnings & Revenue

Revenue

$335.5M

YoY+9.1%

QoQ+3.6%

5Y CAGR+8.1%

10Y CAGR+7.0%

Texas Capital Bancshares, Inc. generated $335.5M in revenue in Q2 2026. This represents an increase of 9.1% from the same quarter a year earlier. Against the prior quarter it is up 3.6%.

Net Income

$84.9M

YoY+9.9%

QoQ+15.1%

5Y CAGR+2.9%

10Y CAGR+8.1%

Texas Capital Bancshares, Inc. reported $84.9M in net income in Q2 2026. This represents an increase of 9.9% from the same quarter a year earlier. Against the prior quarter it is up 15.1%.

EPS (Diluted)

$1.83

YoY+15.8%

QoQ+17.3%

5Y CAGR+6.9%

10Y CAGR+8.9%

Texas Capital Bancshares, Inc. earned $1.83 per diluted share (EPS) in Q2 2026. This represents an increase of 15.8% from the same quarter a year earlier. Against the prior quarter it is up 17.3%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$93.5M

YoY+62.7%

QoQ+8.5%

5Y CAGR-17.2%

Texas Capital Bancshares, Inc. generated $93.5M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 62.7% from the same quarter a year earlier. Against the prior quarter it is up 8.5%.

Cash & Debt

$3.7B

YoY+37.5%

QoQ+25.1%

5Y CAGR-11.9%

10Y CAGR+3.1%

Texas Capital Bancshares, Inc. held $3.7B in cash against $500.9M in long-term debt as of Q2 2026.

Dividends Per Share

$0.20

Texas Capital Bancshares, Inc. paid $0.20 per share in dividends in Q2 2026.

Shares Outstanding

43M

YoY-5.0%

QoQ-0.5%

5Y CAGR-3.0%

10Y CAGR-0.6%

Texas Capital Bancshares, Inc. had 43M shares outstanding in Q2 2026. This represents a decrease of 5.0% from the same quarter a year earlier. Against the prior quarter it is down 0.5%.

Margins & Returns

Net Margin

25.3%

YoY+0.2pp

QoQ+2.5pp

5Y change-7.0pp

10Y change+2.6pp

Texas Capital Bancshares, Inc.'s net profit margin was 25.3% in Q2 2026, showing the share of revenue converted to profit. This is up 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.5 percentage points.

Return on Equity

2.3%

YoY+0.1pp

QoQ+0.3pp

5Y change0.0pp

10Y change0.0pp

Texas Capital Bancshares, Inc.'s ROE was 2.3% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$23.6M

YoY+12.2%

QoQ-68.6%

Texas Capital Bancshares, Inc. spent $23.6M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 12.2% from the same quarter a year earlier. Against the prior quarter it is down 68.6%.

Capital Expenditures

$10.0M

YoY+80.3%

QoQ+636.6%

5Y CAGR+76.0%

Texas Capital Bancshares, Inc. invested $10.0M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 80.3% from the same quarter a year earlier. Against the prior quarter it is up 636.6%.

R&D Spending

Not reported for Q2 2026.

TCBI Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

TCBI quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$1.3B	$1.3B+34.7%	$932.3M-13.3%	$1.1B-12.2%	$1.2B+35.1%	$907.1M-14.0%	$1.1B-1.6%	$1.1B+7.9%	$992.9M+18.8%	$835.6M+19.3%	$700.6M+15.9%	$604.3M+16.3%	$519.5M+12.1%	$463.5M+10.4%	$419.9M+25.3%	$335.2M
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 (Basic)	N/A	$6.86+431.8%	$1.29-64.0%	$3.58-42.7%	$6.25+34.4%	$4.65+315.2%	$1.12-81.4%	$6.01+5.8%	$5.68+50.3%	$3.78+20.4%	$3.14+6.4%	$2.95+0.7%	$2.93+5.4%	$2.78-10.0%	$3.09+52.2%	$2.03
EPS (Diluted)	$7.69	$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
Diluted Shares (Avg)	N/A	46M-1.8%	47M-3.3%	49M-4.8%	51M-0.2%	51M+1.1%	51M+0.3%	50M+0.3%	50M0.0%	50M+7.5%	47M+0.7%	46M+5.5%	44M+5.3%	42M+4.0%	40M+4.8%	38M

Metric	Q2'2610-K	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-K	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$335.5M+9.1%	$324.0M+15.5%	$327.5M+15.4%	$340.4M+171.6%	$307.5M+15.2%	$280.5M+9.4%	$283.7M+15.4%	$125.3M-55.1%
SG&A Expenses	$123.3M+2.7%	$139.3M+5.9%	$108.9M+11.2%	$119.9M-1.1%	$120.2M+1.1%	$131.6M+2.3%	$97.9M-9.4%	$121.1M+10.1%
Interest Expense	$179.6M-3.6%	$164.4M-14.1%	$176.9M-14.9%	$188.8M-11.1%	$186.2M-9.4%	$191.3M-5.5%	$208.0M+2.8%	$212.4M+9.7%
Income Tax	$27.1M+8.8%	$20.6M+53.8%	$31.6M+40.6%	$32.6M+274.4%	$24.9M+46.8%	$13.4M+52.5%	$22.5M+323.3%	-$18.7M-196.4%
Net Income	$84.9M+9.9%	$73.8M+56.8%	$100.7M+41.7%	$105.2M+271.6%	$77.3M+85.6%	$47.0M+80.0%	$71.0M+252.5%	-$61.3M-199.4%
EPS (Basic)	$1.85+16.4%	$1.58+69.9%	$2.14+49.7%	$2.21+255.6%	$1.59+98.8%	$0.93+102.2%	$1.43+320.6%	-$1.42-219.3%
EPS (Diluted)	$1.83+15.8%	$1.56+69.6%	$2.12+49.3%	$2.18+254.6%	$1.58+97.5%	$0.92+100.0%	$1.42+317.6%	-$1.41-219.5%
Diluted Shares (Avg)	44M-4.7%	45M-4.3%	N/A	46M-0.8%	46M-1.4%	47M-2.3%	N/A	47M-4.0%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

TCBI Balance Sheet

TCBI quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
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

Metric	Q2'2610-K	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-K	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$33.9B+6.2%	$33.5B+6.7%	$31.5B+2.6%	$32.5B+2.9%	$31.9B+7.0%	$31.4B+7.5%	$30.7B+8.4%	$31.6B+6.8%
Cash & Equivalents	$3.7B+37.5%	$3.0B-22.2%	$2.1B-34.2%	$3.1B-26.9%	$2.7B-7.7%	$3.8B+14.7%	$3.2B-1.7%	$4.2B0.0%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	N/A	N/A	$1.5M0.0%	N/A	N/A	N/A	$1.5M0.0%	N/A
Total Liabilities	$30.3B+6.4%	$29.9B+6.9%	$27.9B+2.0%	$28.9B+2.2%	$28.4B+6.6%	$27.9B+7.4%	$27.4B+8.8%	$28.3B+6.5%
Long-Term Debt	$500.9M-19.2%	$878.3M+33.0%	$620.6M-6.0%	$620.4M-6.0%	$620.3M-6.0%	$660.5M-23.2%	$660.3M-23.1%	$660.2M-23.1%
Total Equity	$3.6B+3.9%	$3.6B+5.1%	$3.6B+7.8%	$3.6B+8.4%	$3.5B+10.5%	$3.4B+8.2%	$3.4B+5.3%	$3.4B+9.0%
Retained Earnings	$3.0B+13.0%	$2.9B+13.4%	$2.8B+12.5%	$2.7B+11.7%	$2.6B+4.7%	$2.5B+3.3%	$2.5B+2.5%	$2.4B+0.4%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

TCBI Cash Flow Statement

TCBI quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Depreciation & Amortization	N/A	$52.2M-3.8%	$54.2M+34.0%	$40.5M-10.6%	$45.3M-51.5%	$93.4M+24.7%	$74.9M+101.0%	$37.3M+16.4%	$32.0M+14.9%	$27.9M+27.8%	$21.8M+32.2%	$16.5M+11.5%	$14.8M+28.9%	$11.5M+21.6%	$9.4M+3.7%	$9.1M
Stock-Based Compensation	N/A	$36.8M+48.9%	$24.7M+2.0%	$24.2M+12.9%	$21.4M-31.6%	$31.3M+79.6%	$17.4M-0.9%	$17.6M+3.9%	$16.9M-23.1%	$22.0M+62.2%	$13.6M+10.4%	$12.3M-15.6%	$14.6M-30.4%	$21.0M+74.3%	$12.0M+63.7%	$7.3M
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

Metric	Q2'2610-K	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-K	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$103.5M+64.3%	$87.5M+23685.1%	$130.5M+615.9%	$166.3M-50.0%	$63.0M+89.3%	$368K-99.6%	$18.2M-90.3%	$332.8M+248.8%
Depreciation & Amortization	$15.6M+7.6%	$12.8M+39.0%	$15.9M+3.7%	$12.6M-10.4%	$14.5M+3.8%	$9.2M-15.5%	$15.3M+59.4%	$14.1M+26.3%
Stock-Based Compensation	$9.8M+28.1%	$17.5M+37.2%	N/A	$8.2M+27.6%	$7.6M+22.6%	$12.8M+49.4%	N/A	$6.5M+45.3%
Capital Expenditures	$10.0M+80.3%	$1.4M-43.8%	-$341K-95.4%	$5.0M-67.4%	$5.5M-75.0%	$2.4M-87.9%	$7.4M+98.4%	$15.2M+95.5%
Free Cash Flow	$93.5M+62.7%	$86.2M+4307.6%	$130.2M+1102.6%	$161.3M-49.2%	$57.5M+419.1%	-$2.0M-102.7%	$10.8M-94.1%	$317.6M+262.4%
Investing Cash Flow	$304.8M+118.8%	-$1.1B-4733.9%	$36.2M+115.1%	-$245.7M+46.2%	-$1.6B-66.9%	-$23.6M+97.1%	-$240.2M-175.4%	-$456.4M-170.9%
Financing Cash Flow	$333.4M-25.2%	$1.9B+200.2%	-$1.1B-45.0%	$454.1M-67.6%	$445.7M-16.7%	$636.9M-19.1%	-$780.8M+46.4%	$1.4B+131.4%
Share Buybacks	$23.6M+12.2%	$75.1M+141.2%	$126.6M+486884.6%	$7.1M	$21.0M-58.0%	$31.2M-1.2%	-$26K-99.9%	$0

Not reported in any period shown, so not listed: Dividends Paid.

TCBI Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

TCBI quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	26.3%+18.0pp	8.3%-9.3pp	17.6%-9.5pp	27.1%-0.9pp	28.0%+21.7pp	6.3%-22.8pp	29.1%-0.4pp	29.5%+6.1pp	23.5%+1.3pp	22.1%-1.8pp	24.0%-2.3pp	26.3%+0.1pp	26.1%-2.6pp	28.7%+6.1pp	22.7%
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
Asset Turnover	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.04
FCF Margin	27.7%-16.9pp	44.5%+11.3pp	33.2%+22.1pp	11.2%-60.8pp	72.0%	253.7%	-24.0%+45.3pp	-69.2%-83.6pp	14.3%	-104.0%	10.6%-16.8pp	27.3%-13.1pp	40.4%+20.0pp	20.4%-1.2pp	21.6%

Metric	Q2'2610-K	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-K	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	25.3%+0.2pp	22.8%+6.0pp	30.7%+5.7pp	30.9%+79.8pp	25.1%+9.6pp	16.8%+6.6pp	25.0%+16.8pp	-48.9%-71.0pp
Return on Equity	2.3%+0.1pp	2.1%+0.7pp	2.8%+0.7pp	2.9%+4.7pp	2.2%+0.9pp	1.4%+0.5pp	2.1%+1.5pp	-1.8%-3.8pp
Return on Assets	0.3%0.0pp	0.2%+0.1pp	0.3%+0.1pp	0.3%+0.5pp	0.2%+0.1pp	0.1%+0.1pp	0.2%+0.2pp	-0.2%-0.4pp
Debt-to-Equity	0.140.0x	0.24+0.1x	0.170.0x	0.170.0x	0.180.0x	0.19-0.1x	0.20-0.1x	0.20-0.1x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.000.0x
FCF Margin	27.9%+9.2pp	26.6%+27.3pp	39.7%+35.9pp	47.4%-22.8pp	18.7%+14.5pp	-0.7%-30.3pp	3.8%-71.0pp	70.2%+38.8pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Texas Capital Bancshares, Inc. TCBI	FY2025	$1.3B	$330.2M	26.3%	$4.1B	43/100
International Bancshares Corp IBOC	FY2025	$842.2M	$412.3M	49.0%	$4.3B	60/100
United Community Banks, Inc. UCB	FY2025	$1.1B	$328.1M	30.9%	$4.1B	60/100
Renasant Corporation RNST	FY2025	$985.8M	$181.3M	18.4%	$3.6B	59/100
Fulton Financial Corp FULT	FY2025	$1.3B	$391.6M	29.8%	$4.3B	50/100
Atlantic Union Bankshares Corporation AUB	FY2025	$1.4B	$273.7M	19.9%	$5.5B	57/100

Where Texas Capital Bancshares, Inc. Ranks

Frequently Asked Questions

What is Texas Capital Bancshares, Inc.'s annual revenue?

Texas Capital Bancshares, Inc. (TCBI) reported $1.3B in total revenue for fiscal year 2025. This represents a 34.7% 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 Bancshares, Inc.'s revenue growing?

Texas Capital Bancshares, Inc. (TCBI) revenue grew by 34.7% year-over-year, from $932.3M to $1.3B in fiscal year 2025.

Is Texas Capital Bancshares, Inc. profitable?

Yes, Texas Capital Bancshares, Inc. (TCBI) reported a net income of $330.2M in fiscal year 2025, with a net profit margin of 26.3%.

How much debt does Texas Capital Bancshares, Inc. have?

As of fiscal year 2025, Texas Capital Bancshares, Inc. (TCBI) had $2.1B in cash and equivalents against $620.6M in long-term debt.

What is Texas Capital Bancshares, Inc.'s net profit margin?

Texas Capital Bancshares, Inc. (TCBI) had a net profit margin of 26.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Texas Capital Bancshares, Inc.'s return on equity (ROE)?

Texas Capital Bancshares, Inc. (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 Bancshares, Inc.'s free cash flow?

Texas Capital Bancshares, Inc. (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 Bancshares, Inc.'s operating cash flow?

Texas Capital Bancshares, Inc. (TCBI) generated $360.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Texas Capital Bancshares, Inc.'s total assets?

Texas Capital Bancshares, Inc. (TCBI) had $31.5B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Texas Capital Bancshares, Inc.'s capital expenditures?

Texas Capital Bancshares, Inc. (TCBI) invested $12.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Texas Capital Bancshares, Inc. buy back shares?

Yes, Texas Capital Bancshares, Inc. (TCBI) spent $185.8M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Texas Capital Bancshares, Inc. have outstanding?

Texas Capital Bancshares, Inc. (TCBI) had 44M shares outstanding as of fiscal year 2025.

What is Texas Capital Bancshares, Inc.'s debt-to-equity ratio?

Texas Capital Bancshares, Inc. (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 Bancshares, Inc.'s return on assets (ROA)?

Texas Capital Bancshares, Inc. (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 Bancshares, Inc.'s P/E ratio?

Texas Capital Bancshares, Inc. (TCBI) trades at 11.1x earnings, its market capitalization divided by net income of $364.6M net income, trailing 12 months to June 30, 2026. The market capitalization is $4.1B as of Oct 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Texas Capital Bancshares, Inc.'s price-to-sales ratio?

Texas Capital Bancshares, Inc. (TCBI) trades at 3.1x sales, its market capitalization divided by revenue of $1.3B revenue, trailing 12 months to June 30, 2026. The market capitalization is $4.1B as of Oct 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Texas Capital Bancshares, Inc.'s Piotroski F-Score?

Texas Capital Bancshares, Inc. (TCBI) has a Piotroski F-Score of 7 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 Bancshares, Inc.'s earnings high quality?

Texas Capital Bancshares, Inc. (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 Bancshares, Inc.?

Texas Capital Bancshares, Inc. (TCBI) scores 43 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.