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

Texas Capital Bancshares, Inc. (TCBIO) 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. (TCBIO) Financials

TCBIO

Trailing 12 months to September 30, 2026

Revenue $1.3B +10.9% YoY

Net Income $363.1M +20.8% YoY

EPS (Diluted) $7.79 +27.7% YoY

Free Cash Flow $516.2M +126.8% YoY

Source SEC Filings (10-K/10-Q) Latest period Q3 FY2026, ended Sep 30, 2026 Reported Oct 22, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q3 FY2026, filed Oct 22, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the TCBIO SEC filings page.

Texas Capital Bancshares, Inc. (TCBIO) reported $1.3B in revenue over the twelve months to Sep 30, 2026, up 10.9% 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 TCBIO FY2025 2026-10-22

FY2025’s earnings rebound came with less cash generation, while a shrinking debt balance still leaves liabilities dominant.

The sharp FY2025 earnings recovery was not matched by cash: net income rose 326.1%, while operating cash flow fell 25.0% from FY2024. That divergence, alongside liabilities at 88.5% of assets and long-term debt down 6.0%, suggests reported profitability improved without changing the balance sheet’s liability-heavy funding structure.

Because assets are unusually large relative to revenue, return measures are more informative than sales margins: FY2025 ROA was 1.1% and ROE was 9.1%. Equity grew 7.8% while liabilities grew 2.0%, indicating modest balance-sheet strengthening alongside, rather than solely through, debt reduction.

The cash-conversion pattern changed materially: FY2024’s wider cash-over-earnings gap narrowed by FY2025, when operating cash flow was $360M versus net income of $330.2M. Capital spending fell 80.6%, yet free-cash-flow margin was 27.7%, indicating the cash outcome was shaped more by operating conversion than reinvestment.

Financial Health Signals

Financial health score not available

Texas Capital Bancshares, Inc. does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

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, the one computable operating efficiency signal (asset turnover improving) passes.

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

Export CSV

Earnings & Revenue

Revenue

$356.6M

YoY+4.8%

QoQ+6.3%

5Y CAGR+10.6%

10Y CAGR+6.9%

Texas Capital Bancshares, Inc. generated $356.6M in revenue in Q3 2026. This represents an increase of 4.8% from the same quarter a year earlier. Against the prior quarter it is up 6.3%.

Net Income

$103.7M

YoY-1.4%

QoQ+22.1%

5Y CAGR+19.0%

10Y CAGR+9.3%

Texas Capital Bancshares, Inc. reported $103.7M in net income in Q3 2026. This represents a decrease of 1.4% from the same quarter a year earlier. Against the prior quarter it is up 22.1%.

EPS (Diluted)

$2.28

YoY+4.6%

QoQ+24.6%

5Y CAGR+24.6%

10Y CAGR+10.1%

Texas Capital Bancshares, Inc. earned $2.28 per diluted share (EPS) in Q3 2026. This represents an increase of 4.6% from the same quarter a year earlier. Against the prior quarter it is up 24.6%.

EBITDA

Not reported for Q3 2026.

Cash & Balance Sheet

Free Cash Flow

$206.4M

YoY+27.9%

QoQ+120.8%

5Y CAGR+14.1%

Texas Capital Bancshares, Inc. generated $206.4M in free cash flow in Q3 2026, representing cash available after capex. This represents an increase of 27.9% from the same quarter a year earlier. Against the prior quarter it is up 120.8%.

Cash & Debt

$2.7B

YoY-12.7%

QoQ-27.7%

5Y CAGR-20.7%

10Y CAGR-2.9%

Texas Capital Bancshares, Inc. held $2.7B in cash against $487.3M in long-term debt as of Q3 2026.

Dividends Per Share

$0.20

QoQ0.0%

Texas Capital Bancshares, Inc. paid $0.20 per share in dividends in Q3 2026. It is unchanged from the prior quarter.

Shares Outstanding

42M

YoY-7.0%

QoQ-2.4%

5Y CAGR-3.5%

10Y CAGR-0.8%

Texas Capital Bancshares, Inc. had 42M shares outstanding in Q3 2026. This represents a decrease of 7.0% from the same quarter a year earlier. Against the prior quarter it is down 2.4%.

Margins & Returns

Net Margin

29.1%

YoY-1.8pp

QoQ+3.8pp

5Y change+8.9pp

10Y change+5.8pp

Texas Capital Bancshares, Inc.'s net profit margin was 29.1% in Q3 2026, showing the share of revenue converted to profit. This is down 1.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 3.8 percentage points.

Return on Equity

3.0%

YoY+0.1pp

QoQ+0.6pp

5Y change+1.6pp

10Y change+0.5pp

Texas Capital Bancshares, Inc.'s quarterly ROE was 3.0% in Q3 2026: one quarter's net income over shareholder equity, not annualized. This is up 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.6 percentage points.

Gross Margin

Not reported for Q3 2026.

Operating Margin

Not reported for Q3 2026.

Capital Allocation

Share Buybacks

$103.0M

YoY+1355.8%

QoQ+337.1%

5Y CAGRn/m

Texas Capital Bancshares, Inc. spent $103.0M on share buybacks in Q3 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 1355.8% from the same quarter a year earlier. Against the prior quarter it is up 337.1%.

Capital Expenditures

$855K

YoY-82.7%

QoQ-91.4%

5Y CAGR-5.0%

Texas Capital Bancshares, Inc. invested $855K in capex in Q3 2026, funding long-term assets and infrastructure. This represents a decrease of 82.7% from the same quarter a year earlier. Against the prior quarter it is down 91.4%.

R&D Spending

Not reported for Q3 2026.

TCBIO 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.

TCBIO 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
Interest Expense	$703.0M	$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	$111.3M	$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	$363.1M	$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+58.6%	$76.1M
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)	$7.79	$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	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Revenue	$356.6M+4.8%	$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%
Interest Expense	$182.2M-3.5%	$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%
Income Tax	$32.0M-1.8%	$27.1M+8.8%	$20.6M+53.8%	$31.6M+40.6%	$32.6Mn/m	$24.9M+46.8%	$13.4M+52.5%	$22.5M+323.3%
Net Income	$103.7M-1.4%	$84.9M+9.9%	$73.8M+56.8%	$100.7M+41.7%	$105.2Mn/m	$77.3M+85.6%	$47.0M+80.0%	$71.0M+252.5%
EPS (Basic)	$2.30+4.1%	$1.85+16.4%	$1.58+69.9%	$2.14+49.7%	$2.21n/m	$1.59+98.8%	$0.93+102.2%	$1.43+320.6%
EPS (Diluted)	$2.28+4.6%	$1.83+15.8%	$1.56+69.6%	$2.12+49.3%	$2.18n/m	$1.58+97.5%	$0.92+100.0%	$1.42+317.6%
Diluted Shares (Avg)	44M-5.7%	44M-4.7%	45M-4.3%	N/A	46M-0.8%	46M-1.4%	47M-2.3%	N/A

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

TCBIO Balance Sheet

TCBIO 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
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	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Total Assets	$32.3B-0.6%	$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%
Cash & Equivalents	$2.7B-12.7%	$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%
Goodwill	N/A	N/A	N/A	$1.5M0.0%	N/A	N/A	N/A	$1.5M0.0%
Total Liabilities	$28.9B-0.1%	$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%
Long-Term Debt	$487.3M-21.5%	$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%
Total Equity	$3.5B-4.1%	$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%
Retained Earnings	$3.0B+12.1%	$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%

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

TCBIO Cash Flow Statement

TCBIO 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	$528.8M	$360.2M-25.0%	$480.1M+28.5%	$373.7M+152.6%	$148.0M-77.5%	$657.3M-75.1%	$2.6Bn/m	-$240.2Mn/m	-$679.7M-614.3%	$132.2Mn/m	-$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	$10.2M	$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	$516.2M	$347.6M-16.3%	$415.2M+16.2%	$357.4M+161.4%	$136.7M-79.1%	$653.2M-75.2%	$2.6Bn/m	-$256.8Mn/m	-$687.4M-673.3%	$119.9Mn/m	-$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	-$370.3M	-$1.9Bn/m	-$2.5Bn/m	-$1.8B-153.1%	$3.3B+168.4%	$1.2Bn/m	-$2.9Bn/m	-$2.3Bn/m	-$2.0Bn/m	-$3.2Bn/m	-$850.2Mn/m	-$2.5Bn/m	-$3.0Bn/m	-$1.3Bn/m	-$2.3B	N/A
Financing Cash Flow	-$549.2M	$404.3M-79.2%	$1.9Bn/m	-$387.7Mn/m	-$6.4Bn/m	-$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	$328.3M	$185.8M+128.0%	$81.5M-22.4%	$105.0M-8.9%	$115.3Mn/m	$0n/m	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Operating Cash Flow	$207.3M+24.6%	$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%
Depreciation & Amortization	$11.7M-7.3%	$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%
Stock-Based Compensation	$7.9M-4.7%	$9.8M+28.1%	$17.5M+37.2%	N/A	$8.2M+27.6%	$7.6M+22.6%	$12.8M+49.4%	N/A
Capital Expenditures	-$855K-82.7%	$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%
Free Cash Flow	$206.4M+27.9%	$93.5M+62.7%	$86.2Mn/m	$130.2M+1102.6%	$161.3M-49.2%	$57.5M+419.1%	-$2.0M-102.7%	$10.8M-94.1%
Investing Cash Flow	$430.8Mn/m	$304.8Mn/m	-$1.1Bn/m	$36.2Mn/m	-$245.7Mn/m	-$1.6Bn/m	-$23.6Mn/m	-$240.2M-175.4%
Financing Cash Flow	-$1.7B-466.1%	$333.4M-25.2%	$1.9B+200.2%	-$1.1Bn/m	$454.1M-67.6%	$445.7M-16.7%	$636.9M-19.1%	-$780.8Mn/m
Dividends Paid	$8.6M	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$103.0M+1355.8%	$23.6M+12.2%	$75.1M+141.2%	$126.6M+486884.6%	$7.1Mn/m	$21.0M-58.0%	$31.2M-1.2%	-$26K-99.9%

TCBIO 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.

TCBIO 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%+6.0pp	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Liabilities-to-Equity	7.69-0.4x	8.12+0.3x	7.86-0.4x	8.30-1.5x	9.82-2.3x	12.14+1.5x	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%	250.1%	-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	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Net Margin	29.1%-1.8pp	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
Return on Equity	3.0%+0.1pp	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
Return on Assets	0.3%0.0pp	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
Debt-to-Equity	0.140.0x	0.140.0x	0.24+0.1x	0.170.0x	0.170.0x	0.180.0x	0.19-0.1x	0.20-0.1x
Liabilities-to-Equity	8.27+0.3x	8.30+0.2x	8.29+0.1x	7.69-0.4x	7.95-0.5x	8.10-0.3x	8.15-0.1x	8.12+0.3x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	57.9%+10.5pp	27.9%+9.2pp	26.6%+27.3pp	39.7%+35.9pp	47.4%	18.7%+14.5pp	-0.7%-30.3pp	3.8%-71.0pp

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

Where Texas Capital Bancshares, Inc. Ranks

Frequently Asked Questions

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

Texas Capital Bancshares, Inc. (TCBIO) 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. (TCBIO) 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. (TCBIO) reported a net income of $363.1M over the trailing 12 months to September 30, 2026. In fiscal year 2025 it reported a net income of $330.2M, 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. (TCBIO) 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. (TCBIO) 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. (TCBIO) 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. (TCBIO) 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. (TCBIO) 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. (TCBIO) 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. (TCBIO) 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. (TCBIO) 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. (TCBIO) had 44M shares outstanding as of fiscal year 2025.

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

Texas Capital Bancshares, Inc. (TCBIO) had a debt-to-equity ratio of 0.17 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.

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

Texas Capital Bancshares, Inc. (TCBIO) had a liabilities-to-equity ratio of 7.69 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.

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

Texas Capital Bancshares, Inc. (TCBIO) 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 Piotroski F-Score?

Texas Capital Bancshares, Inc. (TCBIO) 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. (TCBIO) 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.