Texas Capital Stock Price, News & Analysis

Texas Capital Bancshares, Inc. (NASDAQ: TCBI) is a financial holding company and the parent of Texas Capital Bank ("TCB"). The firm operates in the commercial banking industry within the broader finance and insurance sector. According to company disclosures, Texas Capital functions as a full-service financial services firm that delivers customized solutions to businesses, entrepreneurs and individual customers. The company uses "Texas Capital" as the collective brand name for Texas Capital Bank and its separate, non-bank affiliates and wholly owned subsidiaries.

Founded in 1998, Texas Capital Bancshares is headquartered in Dallas, Texas, with offices in Austin, Houston, San Antonio and Fort Worth. Across these locations, the institution has built a network of clients across the country. The company states that it can service clients through their entire lifecycles and has established commercial banking, consumer banking, investment banking and wealth management capabilities. Deposit and lending products and services are offered by Texas Capital Bank, which is a member of the FDIC for deposit products.

Business model and core activities

Texas Capital Bancshares is described as a full-service financial services firm with a banking foundation. Through Texas Capital Bank, the company offers deposit and lending products and services, and through its non-bank affiliates and subsidiaries it provides additional financial services. The firm notes that it services clients across their entire lifecycle and has capabilities in commercial banking, consumer banking, investment banking and wealth management. All services are subject to applicable laws, regulations and service terms.

The company also highlights that it has developed capital markets and advisory capabilities through its subsidiary TCBI Securities, Inc., doing business as Texas Capital Securities. Trading in securities and financial instruments, strategic advisory and other investment banking activities are performed by this broker-dealer subsidiary, which is a member of FINRA and SIPC and is registered with the SEC, MSRB and other state securities regulators. Securities and other investment products offered by TCBI Securities, Inc. are not FDIC insured, may lose value and are not bank guaranteed.

Market positioning and indices

Texas Capital Bancshares states that its common stock trades on the NASDAQ under the symbol TCBI. The company is identified as a member of the Russell 2000 Index and the S&P MidCap 400. These index memberships indicate that the company is generally categorized as a mid-cap U.S. public company within equity benchmarks, although specific index weights are not provided in the available information.

Within its own communications, Texas Capital describes itself as a full-service financial services firm headquartered in Texas, with aspirations to be a flagship or dominant financial services firm in the state and to be relevant nationally. The company reports that it has built a network of clients across the country, reflecting activity beyond its core Texas office footprint.

Lines of business and capabilities

Based on the company’s descriptions in its news releases, Texas Capital Bancshares and its affiliates focus on several main capability areas:

• Commercial banking – serving business clients through Texas Capital Bank, including lending and deposit services, subject to applicable regulations and service terms.
• Consumer banking – providing consumer-focused banking services, again through Texas Capital Bank, with deposit products covered by FDIC insurance.
• Investment banking and capital markets – offering advisory and capital markets services through its Corporate and Investment Bank and Texas Capital Securities, including investment banking coverage, equity sales and trading, equity research and corporate access, as described in company announcements.
• Wealth management and private wealth advisory – wealth management capabilities are noted as part of the firm’s full-service platform. Texas Capital Bank Wealth Management Services, Inc., doing business as Texas Capital Bank Private Wealth Advisors, is identified as a registered investment adviser with the U.S. Securities and Exchange Commission and serves as investment adviser to certain funds.

In addition, the company has sponsored exchange-traded funds (ETFs) through the Texas Capital Funds Trust. One of these, the Texas Capital Texas Small Cap Equity Index ETF (NASDAQ: TXSS), was authorized for an orderly liquidation by the Board of Trustees of the Texas Capital Funds Trust, with the fund expected to cease operations and distribute liquidation proceeds to shareholders on a specified liquidation date. The company notes that shares of this ETF are not deposits or obligations of, or guaranteed or endorsed by, Texas Capital Bank or its affiliates, and are not insured by the FDIC or any other government agency.

Regulatory and capital framework

Texas Capital Bancshares reports that Texas Capital Bank is a member of the Federal Reserve System, effective September 19, 2025. The company also discloses that its regulatory capital ratios are in excess of "well capitalized" requirements as of certain reporting dates, with metrics such as common equity tier 1 (CET1), tier 1 capital, total capital and leverage ratios presented in its earnings releases. These disclosures indicate that the company monitors and reports its capital adequacy under applicable banking regulations.

Through its broker-dealer subsidiary, TCBI Securities, Inc., the company participates in securities and investment banking activities under regulatory oversight by the SEC, FINRA, SIPC, MSRB and state securities regulators. The firm emphasizes that all investing involves risk, including the loss of principal, and that securities and other investment products offered through this subsidiary are not bank deposits and are not FDIC insured.

Community and philanthropic activities

Texas Capital Bancshares also highlights community engagement through the Texas Capital Foundation. The foundation’s Honors Awards program provides annual grants to nonprofit organizations that address community needs across Texas. The company notes that the foundation focuses on nonprofit organizations that operate in areas within the firm’s footprint and that the Honors Awards aim to fund small to mid-sized organizations serving significant community needs through a competitive grant application process.

Examples of supported organizations include nonprofits focused on mental health through art therapy, science and technology-focused education, support for first-generation college students and educational scholarships for families of fallen or disabled military service members and first responders. These activities reflect the company’s stated interest in supporting communities in the regions where it operates.

Dividends and capital instruments

Texas Capital Bancshares has issued 5.75% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series B. The company’s announcements describe quarterly cash dividends on this preferred stock and note that depositary shares representing fractional interests in the Series B Preferred Stock trade on NASDAQ under the symbol TCBIO. The company also reports share repurchases of its common stock in certain periods, indicating active capital management decisions, although specific amounts and pricing are time-specific and subject to change.

Use of financial reporting and SEC filings

The company regularly issues quarterly and annual operating results and files related reports with the U.S. Securities and Exchange Commission (SEC). For example, Texas Capital Bancshares files Form 8-K reports to furnish earnings releases and investor presentations, and it refers investors to its Annual Reports on Form 10-K and Quarterly Reports on Form 10-Q for a detailed discussion of risk factors and financial performance. These filings provide information on net income, return on assets, capital ratios, credit quality metrics and other financial data, as well as reconciliations of non-GAAP measures.

Texas Capital Bancshares also hosts conference calls and webcasts to discuss its quarterly and full-year operating results. Presentation slides and replays are made available through the company’s investor relations channels, and the company uses these communications to discuss its strategic focus, financial performance and balance sheet position.

Risk considerations and forward-looking statements

In its public communications, Texas Capital Bancshares includes forward-looking statements disclaimers. The company notes that its statements regarding financial condition, results of operations, business plans and future performance are subject to risks and uncertainties. It identifies factors such as economic or business conditions in Texas, the United States or globally; credit quality developments; competition from other financial service providers; regulatory requirements; technology and cybersecurity risks; interest rate changes; real estate values; talent retention; developments in the banking industry; litigation and regulatory actions; and external events such as severe weather, natural disasters, climate change, acts of war, terrorism or geopolitical conflicts.

The company directs readers to its most recent Annual Report on Form 10-K, Quarterly Reports on Form 10-Q and other SEC filings for a more complete description of these and other risks. It also notes that information in its communications speaks only as of the date of the communication and that it does not undertake to update forward-looking statements except as required by law.

Summary

Overall, Texas Capital Bancshares, Inc. is presented as a Dallas-based, NASDAQ-listed financial holding company with a banking core and additional investment banking, capital markets and wealth management capabilities. Through Texas Capital Bank and its affiliates, the firm serves businesses, entrepreneurs and individual customers, with a geographic footprint centered in Texas and a client base that extends across the country. Its activities span commercial and consumer banking, investment banking, capital markets, wealth management and community-focused philanthropy, all within a framework of U.S. banking and securities regulation.