What is Texas Cap Bancsh's earnings per share (EPS)?

Texas Cap Bancsh (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 Cap Bancsh Financials

TCBIO

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows Texas Cap Bancsh (TCBIO) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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 2026-04-22

TCBIO’s earnings engine is balance-sheet driven, with modest asset profitability amplified into larger equity-level results.

FY2025 return on assets was only 1.1% while return on equity reached 9.1%. That spread exists because the business carries $27.9B of liabilities against just $3.6B of equity, so it behaves more like a spread business than a volume business: modest asset-level profitability gets magnified at the equity line.

The earnings rebound to $330M in FY2025 was not matched by stronger operating cash flow, which slipped to $360M. Compared with FY2024, the income statement improved faster than cash generation, a reminder that this model lives on balance-sheet cash movement as much as on reported earnings.

Cash declined to $2.1B from $3.2B by FY2025 even though long-term debt remained far below total liabilities. With capital expenditures only $12.6M, the drop looks less like heavy upkeep and more like funds being pushed back into the asset base.

Financial Health Signals

Financial health score pending refresh

We are recalculating Texas Cap Bancsh's peer-relative financial health score against the latest fiscal year. It will appear here once the refresh completes. The signals and metrics below are current.

Piotroski F-Score Partial

6/7

Texas Cap Bancsh 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.

Earnings Quality Cash-Backed

1.09x

For every $1 of reported earnings, Texas Cap Bancsh 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

$1.8B

YoY+2.4%

5Y CAGR+11.3%

10Y CAGR+11.4%

Texas Cap Bancsh generated $1.8B in revenue in fiscal year 2025. This represents an increase of 2.4% from the prior year.

EBITDA

N/A

Net Income

$330.2M

YoY+326.1%

5Y CAGR+37.9%

10Y CAGR+8.6%

Texas Cap Bancsh reported $330.2M in net income in fiscal year 2025. This represents an increase of 326.1% from the prior year.

EPS (Diluted)

$6.79

YoY+430.5%

5Y CAGR+43.4%

10Y CAGR+8.8%

Texas Cap Bancsh earned $6.79 per diluted share (EPS) in fiscal year 2025. This represents an increase of 430.5% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$347.6M

YoY-16.3%

5Y CAGR-33.3%

10Y CAGR+18.5%

Texas Cap Bancsh 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.

Cash & Debt

$2.1B

YoY-34.2%

5Y CAGR-25.6%

10Y CAGR+1.6%

Texas Cap Bancsh held $2.1B in cash against $620.6M in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

44M

YoY-4.0%

5Y CAGR-2.6%

Texas Cap Bancsh had 44M shares outstanding in fiscal year 2025. This represents a decrease of 4.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

18.6%

YoY+14.2pp

5Y CAGR+12.3pp

10Y CAGR-5.4pp

Texas Cap Bancsh'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.

Return on Equity

9.1%

YoY+6.8pp

5Y CAGR+6.8pp

10Y CAGR+0.2pp

Texas Cap Bancsh'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.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$185.8M

YoY+128.0%

Texas Cap Bancsh 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.

Capital Expenditures

$12.6M

YoY-80.6%

5Y CAGR+35.1%

10Y CAGR+9.6%

Texas Cap Bancsh 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.

TCBIO Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$1.8B+2.4%	$1.7B+6.1%	$1.6B+42.4%	$1.1B+30.5%	$876.5M-15.7%	$1.0B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$480.5M+3.0%	$466.6M+1.5%	$459.7M+5.7%	$434.9M+24.2%	$350.2M+2.8%	$340.5M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$743.1M-10.3%	$828.3M+15.7%	$715.8M+166.6%	$268.5M+149.2%	$107.7M-42.7%	$188.1M
Income Tax	$102.5M+246.7%	$29.6M-48.6%	$57.5M-42.1%	$99.3M+18.0%	$84.1M+227.8%	$25.7M
Net Income	$330.2M+326.1%	$77.5M-59.0%	$189.1M-43.1%	$332.5M+30.9%	$253.9M+283.1%	$66.3M
EPS (Diluted)	$6.79+430.5%	$1.28-63.8%	$3.54-42.7%	$6.18+34.3%	$4.60+310.7%	$1.12

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$419.1M-5.7%	$444.3M-3.5%	$460.6M+4.8%	$439.6M+2.9%	$427.3M-2.3%	$437.6M-3.3%	$452.5M+7.2%	$422.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$139.3M+28.0%	$108.9M-9.2%	$119.9M-0.2%	$120.2M-8.7%	$131.6M+34.5%	$97.9M-19.2%	$121.1M+1.9%	$118.8M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$164.4M-7.1%	$176.9M-6.3%	$188.8M+1.4%	$186.2M-2.7%	$191.3M-8.0%	$208.0M-2.1%	$212.4M+3.4%	$205.5M
Income Tax	$20.6M-34.8%	$31.6M-2.9%	$32.6M+31.0%	$24.9M+85.4%	$13.4M-40.4%	$22.5M+220.5%	-$18.7M-210.3%	$16.9M
Net Income	$73.8M-26.7%	$100.7M-4.3%	$105.2M+36.1%	$77.3M+64.4%	$47.0M-33.8%	$71.0M+215.8%	-$61.3M-247.2%	$41.7M
EPS (Diluted)	$1.56	N/A	$2.18+38.0%	$1.58+71.7%	$0.92	N/A	$-1.41-276.3%	$0.80

TCBIO Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$31.5B+2.6%	$30.7B+8.4%	$28.4B-0.2%	$28.4B-18.2%	$34.7B-7.9%	$37.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$2.1B-34.2%	$3.2B-1.7%	$3.2B-35.3%	$5.0B-36.9%	$7.9B-13.7%	$9.2B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.5M0.0%	$1.5M0.0%	$1.5M0.0%	$1.5M-90.1%	$15.1M0.0%	$15.1M
Total Liabilities	$27.9B+2.0%	$27.4B+8.8%	$25.2B-0.8%	$25.4B-19.6%	$31.5B-9.6%	$34.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
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
Total Equity	$3.6B+7.8%	$3.4B+5.3%	$3.2B+4.7%	$3.1B-4.8%	$3.2B+11.8%	$2.9B
Retained Earnings	$2.8B+12.5%	$2.5B+2.5%	$2.4B+7.6%	$2.3B+16.2%	$1.9B+13.7%	$1.7B

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$33.5B+6.2%	$31.5B-3.1%	$32.5B+1.9%	$31.9B+1.8%	$31.4B+2.1%	$30.7B-2.8%	$31.6B+5.9%	$29.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$3.0B+40.9%	$2.1B-31.5%	$3.1B+13.9%	$2.7B-29.3%	$3.8B+19.2%	$3.2B-23.9%	$4.2B+43.9%	$2.9B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	$1.5M	N/A	N/A	N/A	$1.5M	N/A	N/A
Total Liabilities	$29.9B+7.1%	$27.9B-3.4%	$28.9B+1.6%	$28.4B+1.7%	$27.9B+2.1%	$27.4B-3.2%	$28.3B+6.0%	$26.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$878.3M+41.5%	$620.6M0.0%	$620.4M0.0%	$620.3M-6.1%	$660.5M0.0%	$660.3M0.0%	$660.2M0.0%	$660.0M
Total Equity	$3.6B-0.7%	$3.6B-0.2%	$3.6B+3.6%	$3.5B+2.3%	$3.4B+1.8%	$3.4B+0.4%	$3.4B+5.6%	$3.2B
Retained Earnings	$2.9B+2.5%	$2.8B+3.6%	$2.7B+3.9%	$2.6B+2.9%	$2.5B+1.7%	$2.5B+2.7%	$2.4B-2.6%	$2.5B

TCBIO Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$360.2M-25.0%	$480.1M+28.5%	$373.7M+152.6%	$148.0M-77.5%	$657.3M-75.1%	$2.6B
Capital Expenditures	$12.6M-80.6%	$64.8M+295.8%	$16.4M+45.4%	$11.3M+173.1%	$4.1M+47.6%	$2.8M
Free Cash Flow	$347.6M-16.3%	$415.2M+16.2%	$357.4M+161.4%	$136.7M-79.1%	$653.2M-75.2%	$2.6B
Investing Cash Flow	-$1.9B+25.2%	-$2.5B-41.2%	-$1.8B-153.1%	$3.3B+168.4%	$1.2B+142.0%	-$2.9B
Financing Cash Flow	$404.3M-79.2%	$1.9B+601.4%	-$387.7M+93.9%	-$6.4B-102.9%	-$3.1B-162.1%	$5.1B
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$185.8M+128.0%	$81.5M-22.4%	$105.0M-8.9%	$115.3M	$0	$0

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$87.5M-32.9%	$130.5M-21.5%	$166.3M+164.0%	$63.0M+17018.8%	$368K-98.0%	$18.2M-94.5%	$332.8M+900.2%	$33.3M
Capital Expenditures	$1.4M+497.9%	-$341K-106.9%	$5.0M-10.7%	$5.5M+129.5%	$2.4M-67.4%	$7.4M-51.2%	$15.2M-31.6%	$22.2M
Free Cash Flow	$86.2M-33.8%	$130.2M-19.3%	$161.3M+180.8%	$57.5M+2905.3%	-$2.0M-118.9%	$10.8M-96.6%	$317.6M+2769.3%	$11.1M
Investing Cash Flow	-$1.1B-3258.0%	$36.2M+114.7%	-$245.7M+84.8%	-$1.6B-6761.3%	-$23.6M+90.2%	-$240.2M+47.4%	-$456.4M+53.0%	-$971.5M
Financing Cash Flow	$1.9B+268.8%	-$1.1B-349.4%	$454.1M+1.9%	$445.7M-30.0%	$636.9M+181.6%	-$780.8M-155.7%	$1.4B+162.0%	$535.2M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$75.1M-40.7%	$126.6M+1689.4%	$7.1M-66.3%	$21.0M-32.6%	$31.2M+119915.4%	-$26K	$0-100.0%	$50.0M

TCBIO Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	18.6%+14.2pp	4.5%-7.1pp	11.6%-17.5pp	29.1%+0.1pp	29.0%+22.6pp	6.4%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.17-0.0	0.20-0.1	0.27-0.0	0.30+0.0	0.29+0.2	0.14
FCF Margin	19.6%-4.4pp	24.0%+2.1pp	21.9%+10.0pp	11.9%-62.6pp	74.5%-179.2pp	253.7%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	17.6%-5.0pp	22.7%-0.2pp	22.8%+5.2pp	17.6%+6.6pp	11.0%-5.2pp	16.2%+29.8pp	-13.6%-23.4pp	9.9%
Return on Equity	2.1%-0.7pp	2.8%-0.1pp	2.9%+0.7pp	2.2%+0.8pp	1.4%-0.7pp	2.1%+3.9pp	-1.8%-3.1pp	1.3%
Return on Assets	0.2%-0.1pp	0.3%0.0pp	0.3%+0.1pp	0.2%+0.1pp	0.1%-0.1pp	0.2%+0.4pp	-0.2%-0.3pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.24+0.1	0.170.0	0.170.0	0.18-0.0	0.190.0	0.200.0	0.20-0.0	0.21
FCF Margin	20.6%-8.7pp	29.3%-5.7pp	35.0%+22.0pp	13.1%+13.6pp	-0.5%-2.9pp	2.5%-67.7pp	70.2%+67.6pp	2.6%

Frequently Asked Questions

What is Texas Cap Bancsh's annual revenue?

Texas Cap Bancsh (TCBIO) 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 Cap Bancsh's revenue growing?

Texas Cap Bancsh (TCBIO) revenue grew by 2.4% year-over-year, from $1.7B to $1.8B in fiscal year 2025.

Is Texas Cap Bancsh profitable?

Yes, Texas Cap Bancsh (TCBIO) reported a net income of $330.2M in fiscal year 2025, with a net profit margin of 18.6%.

How much debt does Texas Cap Bancsh have?

As of fiscal year 2025, Texas Cap Bancsh (TCBIO) had $2.1B in cash and equivalents against $620.6M in long-term debt.

What is Texas Cap Bancsh's net profit margin?

Texas Cap Bancsh (TCBIO) 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 Cap Bancsh's return on equity (ROE)?

Texas Cap Bancsh (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 Cap Bancsh's free cash flow?

Texas Cap Bancsh (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 Cap Bancsh's operating cash flow?

Texas Cap Bancsh (TCBIO) generated $360.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Texas Cap Bancsh's total assets?

Texas Cap Bancsh (TCBIO) had $31.5B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Texas Cap Bancsh's capital expenditures?

Texas Cap Bancsh (TCBIO) invested $12.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Texas Cap Bancsh buy back shares?

Yes, Texas Cap Bancsh (TCBIO) spent $185.8M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Texas Cap Bancsh have outstanding?

Texas Cap Bancsh (TCBIO) had 44M shares outstanding as of fiscal year 2025.

What is Texas Cap Bancsh's debt-to-equity ratio?

Texas Cap Bancsh (TCBIO) 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 Cap Bancsh's return on assets (ROA)?

Texas Cap Bancsh (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 Cap Bancsh's Piotroski F-Score?

Texas Cap Bancsh (TCBIO) 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 Cap Bancsh's earnings high quality?

Texas Cap Bancsh (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.