Texas Capital Bancshares (TCBIO) Financials

$19.71 +0.03 (+0.15%)

Closing price 09/11/2026 03:59 PM Eastern

Extended Trading

$19.68 -0.04 (-0.18%)

As of 09/11/2026 04:10 PM Eastern

Annual Income Statements for Texas Capital Bancshares

This table shows Texas Capital Bancshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	135	145	187	284	302	57	235	315	172	60	313
Consolidated Net Income / (Loss)	145	155	197	293	312	66	254	332	189	78	330
Net Income / (Loss) Continuing Operations	145	155	197	293	310	66	254	332	189	78	330
Total Pre-Tax Income	224	241	326	373	396	92	338	432	247	107	433
Total Revenue	604	701	836	993	1,072	1,054	907	1,225	1,076	932	1,256
Net Interest Income / (Expense)	557	640	761	915	969	851	769	876	914	901	1,029
Total Interest Income	603	703	879	1,164	1,355	1,039	877	1,144	1,630	1,730	1,772
Loans and Leases Interest Income	595	685	846	1,125	1,274	994	820	984	1,301	1,378	1,445
Investment Securities Interest Income	1.25	0.97	1.07	2.83	8.65	17	43	63	108	148	189
Deposits and Money Market Investments Interest Income	6.29	16	29	33	71	28	13	97	221	203	138
Total Interest Expense	46	64	118	249	386	188	108	268	716	828	743
Deposits Interest Expense	25	37	80	185	294	146	66	191	588	736	698
Long-Term Debt Interest Expense	17	17	17	17	22	20	38	49	57	42	31
Other Interest Expense	2.25	6.13	15	36	58	22	4.61	29	71	50	14
Total Non-Interest Income	48	61	74	78	102	203	138	350	161	31	227
Trust Fees by Commissions	5.02	4.27	6.15	8.15	8.81	10.00	13	15	14	15	16
Service Charges on Deposit Accounts	-	10	12	13	11	12	19	23	21	26	33
Other Service Charges	41	44	58	73	88	101	82	28	40	43	49
Net Realized & Unrealized Capital Gains on Investments	-	2.55	-2.39	-16	-20	58	0.00	249	0.49	-180	-1.89
Investment Banking Income	-	-	-	-	15	23	24	25	64	105	105
Other Non-Interest Income	2.01	-	-	-	-	-	-	10	23	22	27
Provision for Credit Losses	53	77	44	87	75	258	-30	66	72	67	55
Total Non-Interest Expense	327	382	466	533	600	704	599	728	757	758	768
Salaries and Employee Benefits	193	229	264	301	328	341	350	435	460	467	481
Net Occupancy & Equipment Expense	45	49	57	60	78	138	108	113	120	138	146
Marketing Expense	16	17	27	39	53	24	10	32	26	22	17
Property & Liability Insurance Claims	17	24	24	24	20	26	21	14	37	23	18
Other Operating Expenses	56	61	79	93	97	94	82	132	115	108	106
Income Tax Expense	80	86	129	80	87	26	84	99	57	30	102
Preferred Stock Dividends Declared	9.75	9.75	9.75	9.75	9.75	9.75	19	17	17	17	17
Basic Earnings per Share	$2.95	$3.14	$3.78	$5.68	$6.01	$1.12	$4.65	$6.25	$3.58	$1.29	$6.86
Weighted Average Basic Shares Outstanding	45.80M	46.30M	49.60M	49.90M	50.35M	50.47M	50.63M	48.23M	47.41M	46.01M	44.18M
Diluted Earnings per Share	$2.91	$3.11	$3.73	$5.64	$5.99	$1.12	$4.60	$6.18	$3.54	$1.28	$6.79
Weighted Average Diluted Shares Outstanding	45.80M	46.30M	49.60M	49.90M	50.35M	50.47M	50.63M	48.23M	47.41M	46.01M	44.18M
Weighted Average Basic & Diluted Shares Outstanding	45.80M	46.30M	49.60M	49.90M	50.35M	50.47M	50.63M	48.23M	47.41M	46.01M	44.18M

This table shows Texas Capital Bancshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026	6/30/2026
Net Income / (Loss) Attributable to Common Shareholders	16	22	37	-66	67	43	73	101	96	69	81
Consolidated Net Income / (Loss)	20	26	42	-61	71	47	77	105	101	74	85
Net Income / (Loss) Continuing Operations	20	26	42	-61	71	47	77	105	101	74	85
Total Pre-Tax Income	25	35	59	-80	94	60	102	138	132	94	112
Total Revenue	246	256	267	125	284	280	307	340	327	324	335
Net Interest Income / (Expense)	215	215	217	240	230	236	253	272	267	255	260
Total Interest Income	417	417	422	453	438	427	440	461	444	419	440
Loans and Leases Interest Income	325	331	345	361	340	334	364	379	367	348	368
Investment Securities Interest Income	28	32	34	38	44	47	46	49	47	50	46
Deposits and Money Market Investments Interest Income	63	54	43	53	53	47	29	32	30	21	25
Total Interest Expense	202	202	205	212	208	191	186	189	177	164	180
Deposits Interest Expense	170	176	181	190	189	175	175	181	167	154	167
Long-Term Debt Interest Expense	14	14	11	8.39	8.23	8.07	7.93	7.53	7.47	8.11	8.97
Other Interest Expense	18	13	13	14	11	8.25	3.44	0.53	2.15	2.36	3.55
Total Non-Interest Income	31	41	50	-115	54	44	54	69	60	69	75
Trust Fees by Commissions	3.30	3.57	3.70	4.04	4.01	3.96	3.73	3.99	4.22	4.39	5.14
Service Charges on Deposit Accounts	5.40	6.34	5.91	6.31	6.99	7.84	8.18	8.11	8.41	9.22	8.85
Other Service Charges	11	8.28	10	14	11	10	12	15	11	13	18
Net Realized & Unrealized Capital Gains on Investments	-12	4.71	0.00	-180	-10	5.94	-1.89	0.00	-	10	0.00
Investment Banking Income	6.91	18	25	35	27	16	24	34	30	32	32
Other Non-Interest Income	-	-	5.65	5.79	-	-	7.90	7.24	6.02	-	11
Provision for Credit Losses	19	19	20	10	18	17	15	12	11	16	18
Total Non-Interest Expense	201	202	188	195	172	203	190	191	184	214	205
Salaries and Employee Benefits	108	129	119	121	98	132	120	120	109	139	123
Net Occupancy & Equipment Expense	33	31	33	39	36	34	36	36	39	40	41
Marketing Expense	5.69	6.04	6.00	5.86	4.45	5.01	3.62	3.41	5.40	4.97	4.79
Property & Liability Insurance Claims	25	8.42	5.57	4.91	4.45	5.34	5.10	5.20	2.28	4.88	4.59
Other Operating Expenses	29	28	25	25	29	27	25	26	29	25	32
Income Tax Expense	5.32	8.79	17	-19	22	13	25	33	32	21	27
Preferred Stock Dividends Declared	4.31	4.31	4.31	4.31	4.31	4.31	4.31	4.31	4.31	4.31	4.31
Basic Earnings per Share	$0.34	$0.46	$0.80	($1.42)	$1.45	$0.93	$1.59	$2.21	$2.13	$1.58	$1.85
Weighted Average Basic Shares Outstanding	47.41M	46.65M	46.20M	46.21M	46.01M	45.90M	45.76M	45.64M	44.18M	43.67M	43.47M
Diluted Earnings per Share	$0.33	$0.46	$0.80	($1.41)	$1.43	$0.92	$1.58	$2.18	$2.11	$1.56	$1.83
Weighted Average Diluted Shares Outstanding	47.41M	46.65M	46.20M	46.21M	46.01M	45.90M	45.76M	45.64M	44.18M	43.67M	43.47M
Weighted Average Basic & Diluted Shares Outstanding	47.41M	46.65M	46.20M	46.21M	46.01M	45.90M	45.76M	45.64M	44.18M	43.67M	43.47M

This table details how cash moves in and out of Texas Capital Bancshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Change in Cash & Equivalents	460	1,048	66	174	1,346	4,781	-1,260	-2,934	-1,769	-54	-1,090
Net Cash From Operating Activities	69	-726	132	-680	-240	2,640	657	148	374	480	360
Net Cash From Continuing Operating Activities	69	-726	132	-680	-240	2,640	657	148	374	480	360
Net Income / (Loss) Continuing Operations	145	155	197	293	312	66	254	332	189	78	330
Consolidated Net Income / (Loss)	145	155	197	293	312	66	254	332	189	78	330
Provision For Loan Losses	53	-	44	-	75	258	-30	66	72	67	55
Depreciation Expense	16	22	28	32	37	75	93	45	40	54	52
Non-Cash Adjustments to Reconcile Net Income	-81	-836	-41	-878	-620	2,224	256	-273	122	244	49
Changes in Operating Assets and Liabilities, net	-65	-67	-95	-128	-45	16	84	-23	-49	37	-127
Net Cash From Investing Activities	-2,461	-850	-3,216	-1,993	-2,276	-2,935	1,233	3,309	-1,755	-2,478	-1,854
Net Cash From Continuing Investing Activities	-2,461	-850	-3,216	-1,993	-2,276	-2,935	1,233	3,309	-1,755	-2,478	-1,854
Purchase of Property, Leasehold Improvements and Equipment	-5.03	-2.18	-12	-7.65	-17	-2.80	-4.13	-11	-16	-65	-13
Purchase of Investment Securities	-87,947	-101,898	-89,424	-100,655	-138,733	-219,236	-168,137	-106,361	-77,864	-86,603	-100,587
Sale and/or Maturity of Investments	85,482	101,050	86,217	98,670	136,467	216,303	169,374	106,356	76,125	84,190	98,745
Net Cash From Financing Activities	2,852	2,625	3,150	2,847	3,862	5,076	-3,150	-6,391	-388	1,944	404
Net Cash From Continuing Financing Activities	2,852	2,625	3,150	2,847	3,862	5,076	-3,150	-6,391	-388	1,944	404
Net Change in Deposits	2,411	1,932	2,106	1,483	5,872	4,518	-2,887	-5,252	-485	2,867	1,210
Repayment of Debt	-	-	-	0.00	-1,500	570	-1,020	-1,002	224	-815	-595
Repurchase of Common Equity	-	-	-	-	-	0.00	0.00	-115	-105	-82	-186
Payment of Dividends	-9.75	-9.75	-9.75	-9.75	-9.75	-9.75	-19	-17	-17	-17	-17
Other Financing Activities, Net	51	-34	253	274	-501	-1.99	-3.12	-4.21	-4.22	-9.07	-7.36
Cash Interest Paid	46	63	116	236	394	190	111	252	773	838	760
Cash Income Taxes Paid	87	88	104	75	90	26	101	128	72	53	70

This table details how cash moves in and out of Texas Capital Bancshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026	6/30/2026
Net Change in Cash & Equivalents	-950	73	-403	1,279	-1,003	614	-1,112	375	-966	857	742
Net Cash From Operating Activities	188	96	34	333	18	0.37	63	166	130	88	103
Net Cash From Continuing Operating Activities	188	96	34	333	18	0.37	63	166	130	88	103
Net Income / (Loss) Continuing Operations	20	26	42	-61	71	47	77	105	101	74	85
Consolidated Net Income / (Loss)	20	26	42	-61	71	47	77	105	101	74	85
Provision For Loan Losses	19	19	20	10	18	17	15	12	11	16	18
Depreciation Expense	9.60	11	14	14	15	9.22	14	13	16	13	16
Non-Cash Adjustments to Reconcile Net Income	97	20	17	212	-3.29	13	3.68	7.54	23	12	37
Changes in Operating Assets and Liabilities, net	42	20	-59	159	-83	-86	-47	29	-20	-27	-52
Net Cash From Investing Activities	318	-810	-972	-457	-240	-24	-1,621	-246	36	-1,142	305
Net Cash From Continuing Investing Activities	318	-810	-972	-457	-240	-24	-1,621	-246	36	-1,142	305
Purchase of Property, Leasehold Improvements and Equipment	-3.73	-20	-22	-15	-7.41	-2.42	-5.54	-4.95	0.34	-1.36	-10.00
Purchase of Investment Securities	-16,703	-17,339	-20,816	-24,465	-23,984	-19,095	-26,269	-27,503	-27,719	-24,014	-28,306
Sale and/or Maturity of Investments	17,025	16,549	19,866	24,023	23,751	19,074	24,654	27,262	27,755	22,873	28,620
Net Cash From Financing Activities	-1,456	787	535	1,402	-781	637	446	454	-1,132	1,912	333
Net Cash From Continuing Financing Activities	-1,456	787	535	1,402	-781	637	446	454	-1,132	1,912	333
Net Change in Deposits	-1,507	1,582	-136	2,047	-627	814	11	1,441	-1,057	2,068	395
Issuance of Debt	-	-	-	-	-	0.00	-	-	-	398	-0.08
Repayment of Debt	100	-750	725	-640	-150	-135	460	-975	55	-465	-25
Repurchase of Common Equity	-45	-32	-50	-	0.03	-31	-21	-7.08	-127	-75	-24
Payment of Dividends	-4.31	-4.31	-4.31	-4.31	-4.31	-4.31	-4.31	-4.31	-4.31	-4.31	-13
Other Financing Activities, Net	0.25	-8.93	0.20	-0.46	0.12	-7.05	0.14	-0.65	0.20	-9.56	0.36
Cash Interest Paid	267	268	197	207	166	190	197	194	180	181	189
Cash Income Taxes Paid	16	-0.91	49	0.05	4.78	-1.29	54	15	2.78	1.62	66

This table presents Texas Capital Bancshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	18,904	21,697	25,076	28,258	32,548	37,726	34,732	28,415	28,356	30,732	31,540
Cash and Due from Banks	109	114	178	214	162	174	181	234	200	177	201
Interest Bearing Deposits at Other Banks	1,626	2,701	2,698	2,816	4,234	9,033	7,766	4,779	3,042	3,012	1,898
Trading Account Securities	30	25	24	120	240	3,197	3,584	3,585	4,143	4,396	4,723
Loans and Leases, Net of Allowance	16,571	17,330	20,490	22,377	24,451	24,176	22,595	19,034	20,091	22,178	23,770
Loans and Leases	16,712	17,498	20,674	22,568	24,646	24,431	22,807	19,287	20,341	22,450	24,040
Allowance for Loan and Lease Losses	141	168	185	192	195	255	212	253	250	272	271
Loans Held for Sale	86	969	1,011	1,969	2,577	283	22,603	36	44	-	4.36
Premises and Equipment, Net	24	20	25	24	31	25	21	26	32	85	88
Goodwill	20	20	19	19	18	18	17	1.50	1.50	1.50	1.50
Other Assets	383	494	602	669	805	821	560	719	802	882	855
Total Liabilities & Shareholders' Equity	18,904	21,697	25,076	28,258	32,548	37,726	34,732	28,415	28,356	30,732	31,540
Total Liabilities	17,280	19,688	22,873	25,757	29,747	34,855	31,522	25,359	25,157	27,364	27,909
Non-Interest Bearing Deposits	6,387	7,994	7,813	7,317	9,438	12,741	13,390	9,618	7,328	7,485	6,959
Interest Bearing Deposits	8,698	9,023	11,311	13,289	17,040	18,256	14,719	13,239	15,044	17,753	19,490
Short-Term Debt	1,500	2,000	2,800	3,900	2,400	3,000	-	1,201	1,500	885	330
Accrued Interest Payable	5.10	5.50	7.68	21	13	11	7.70	24	33	24	6.72
Long-Term Debt	394	394	395	395	396	396	3,132	931	859	660	621
Other Long-Term Liabilities	153	161	182	194	318	339	273	346	393	556	503
Total Equity & Noncontrolling Interests	1,624	2,010	2,203	2,500	2,801	2,871	3,210	3,055	3,199	3,368	3,631
Total Preferred & Common Equity	1,624	2,010	2,203	2,500	2,801	2,871	3,210	3,055	3,199	3,368	3,631
Preferred Stock	150	150	150	150	150	150	300	300	300	300	300
Total Common Equity	1,474	1,860	2,053	2,350	2,651	2,721	2,910	2,755	2,899	3,068	3,331
Common Stock	715	956	962	968	979	992	1,009	1,026	1,046	1,057	1,075
Retained Earnings	758	903	1,091	1,381	1,664	1,713	1,948	2,264	2,435	2,496	2,809
Treasury Stock	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-115	-220	-302	-488
Accumulated Other Comprehensive Income / (Loss)	0.72	0.42	0.43	0.52	8.95	16	-48	-419	-362	-183	-65

This table presents Texas Capital Bancshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026	Q2 2026
Period end date	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026	6/30/2026
Total Assets	28,597	28,977	29,628	29,181	29,855	31,629	31,376	31,944	32,537	33,486	33,913
Cash and Due from Banks	264	260	217	168	222	297	202	182	212	254	210
Interest Bearing Deposits at Other Banks	3,385	2,587	3,976	3,148	2,691	3,895	3,601	2,508	2,852	2,702	3,489
Trading Account Securities	4,346	4,227	4,070	4,414	4,389	4,406	4,531	4,609	4,602	4,673	4,565
Loans and Leases, Net of Allowance	19,814	21,089	20,368	20,567	21,511	16,491	22,101	23,648	23,918	24,909	24,679
Loans and Leases	20,075	21,326	20,613	20,831	21,779	16,765	22,380	23,926	24,192	25,180	24,947
Allowance for Loan and Lease Losses	261	237	245	264	267	273	278	278	274	270	268
Loans Held for Sale	19,842	29	155	38	37	9.02	0.00	-	-	21	0.00
Premises and Equipment, Net	25	26	31	50	69	82	85	87	88	86	92
Goodwill	1.50	1.50	1.50	1.50	1.50	1.50	1.50	1.50	1.50	1.50	1.50
Other Assets	732	757	810	794	934	919	855	909	863	839	878
Total Liabilities & Shareholders' Equity	28,597	28,977	29,628	29,181	29,855	31,629	31,376	31,944	32,537	33,486	33,913
Total Liabilities	25,517	25,895	26,551	26,010	26,679	28,275	27,946	28,433	28,900	29,880	30,266
Non-Interest Bearing Deposits	9,501	9,429	9,353	8,478	7,988	9,071	7,875	7,718	7,690	7,635	7,574
Interest Bearing Deposits	12,679	13,889	14,526	15,476	15,831	16,794	18,178	18,346	19,816	20,882	21,338
Short-Term Debt	-	1,350	1,400	-	1,675	1,035	750	1,250	275	0.00	350
Accrued Interest Payable	31	30	31	32	24	19	25	14	9.36	9.42	19
Long-Term Debt	3,032	858	858	1,610	660	660	661	620	620	878	501
Other Long-Term Liabilities	274	339	382	414	502	696	457	485	490	476	484
Total Equity & Noncontrolling Interests	3,080	3,082	3,078	3,171	3,176	3,354	3,430	3,510	3,637	3,606	3,648
Total Preferred & Common Equity	3,080	3,082	3,078	3,171	3,176	3,354	3,430	3,510	3,637	3,606	3,648
Preferred Stock	300	300	300	300	300	300	300	300	300	300	300
Total Common Equity	2,780	2,782	2,778	2,871	2,876	3,054	3,130	3,210	3,337	3,306	3,348
Common Stock	1,032	1,036	1,040	1,045	1,051	1,055	1,061	1,066	1,070	1,078	1,083
Retained Earnings	2,298	2,362	2,420	2,457	2,495	2,429	2,538	2,611	2,712	2,878	2,950
Treasury Stock	-176	-176	-176	-252	-302	-302	-333	-354	-361	-563	-586
Accumulated Other Comprehensive Income / (Loss)	-375	-440	-506	-380	-368	-128	-136	-113	-84	-87	-99

This table displays calculated financial ratios and metrics derived from Texas Capital Bancshares' official financial filings.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	-	45,643,585.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	45,643,585.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	7.24
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$2.95	$3.14	$3.78	$5.83	$6.23	$1.12	$4.65	$6.25	$3.58	$1.29	$6.86
Adjusted Weighted Average Basic Shares Outstanding	45.89M	49.52M	49.65M	50.24M	50.35M	50.47M	50.63M	48.23M	47.41M	46.01M	44.18M
Adjusted Diluted Earnings per Share	$2.91	$3.11	$3.73	$5.79	$6.21	$1.12	$4.60	$6.18	$3.54	$1.28	$6.79
Adjusted Weighted Average Diluted Shares Outstanding	45.89M	49.52M	49.65M	50.24M	50.35M	50.47M	50.63M	48.23M	47.41M	46.01M	44.18M
Adjusted Basic & Diluted Earnings per Share	$2.95	$3.14	$3.78	$5.83	$6.23	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	45.89M	49.52M	49.65M	50.24M	50.35M	50.47M	50.63M	48.23M	47.41M	46.01M	44.18M
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-

This table displays calculated financial ratios and metrics derived from Texas Capital Bancshares' official financial filings.

Metric	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026	6/30/2026
DEI Shares Outstanding	-	-	-	-	-	-	-	-	45,643,585.00	44,176,837.00	43,670,939.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	45,643,585.00	44,176,837.00	43,670,939.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	2.21	1.67	1.95
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-53.20%	-6.02%	-3.96%	-55.07%	15.39%	9.42%	15.15%	171.56%	-	15.51%	9.12%
EBITDA Growth	-87.83%	-22.83%	-27.76%	-171.48%	210.35%	51.99%	60.83%	328.19%	-	53.90%	9.36%
EBIT Growth	-90.85%	-31.12%	-34.42%	-198.69%	267.26%	73.06%	74.39%	272.24%	-	56.17%	9.60%
NOPAT Growth	-90.73%	-32.38%	-39.31%	-190.78%	252.47%	79.97%	85.61%	287.89%	-	56.84%	9.85%
Net Income Growth	-90.73%	-32.38%	-39.31%	-199.42%	252.47%	79.97%	85.61%	271.58%	-	56.84%	9.85%
EPS Growth	-92.07%	-34.29%	-39.85%	-219.49%	333.33%	100.00%	97.50%	254.61%	-	69.57%	15.82%
Operating Cash Flow Growth	383.79%	426.40%	-53.57%	249.28%	-90.19%	-99.62%	89.35%	-50.03%	-	23,685.05%	64.28%
Free Cash Flow Firm Growth	-125.55%	316.57%	-113.23%	-5.16%	304.46%	-100.94%	215.84%	169.27%	-	3,465.85%	365.66%
Invested Capital Growth	7.14%	-21.79%	4.18%	-5.38%	-11.60%	1.25%	-2.36%	-10.23%	-	-7.35%	-16.39%
Revenue Q/Q Growth	-11.86%	4.26%	4.17%	-53.06%	126.35%	-1.13%	9.62%	10.70%	-	-1.07%	3.55%
EBITDA Q/Q Growth	-61.97%	30.72%	58.21%	-190.88%	265.12%	-35.98%	67.41%	28.94%	-	-27.62%	18.95%
EBIT Q/Q Growth	-68.58%	37.19%	67.73%	-236.51%	216.91%	-35.35%	69.02%	34.83%	-	-28.63%	18.62%
NOPAT Q/Q Growth	-67.33%	29.74%	59.37%	-234.40%	226.84%	-33.76%	64.36%	36.06%	-	-26.70%	15.12%
Net Income Q/Q Growth	-67.33%	29.74%	59.37%	-247.18%	215.83%	-33.76%	64.36%	36.06%	-	-26.70%	15.12%
EPS Q/Q Growth	-72.03%	39.39%	73.91%	-276.25%	201.42%	-35.66%	71.74%	37.97%	-	-26.07%	17.31%
Operating Cash Flow Q/Q Growth	96.69%	-48.94%	-64.89%	890.58%	-94.48%	-98.00%	17,018.75%	163.97%	-	-32.92%	18.24%
Free Cash Flow Firm Q/Q Growth	-243.80%	487.70%	-113.20%	228.87%	210.02%	-101.78%	1,726.58%	199.57%	-	-0.56%	125.03%
Invested Capital Q/Q Growth	4.16%	-13.99%	15.27%	-8.37%	-2.69%	-1.49%	11.16%	-15.76%	-	-2.13%	0.31%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	14.26%	17.88%	27.16%	-52.59%	38.36%	24.84%	37.94%	44.19%	-	33.10%	38.02%
EBIT Margin	10.36%	13.63%	21.95%	-63.83%	32.97%	21.56%	33.24%	40.48%	-	29.14%	33.38%
Profit (Net Income) Margin	8.20%	10.20%	15.60%	-48.93%	25.04%	16.77%	25.15%	30.91%	-	22.78%	25.32%
Tax Burden Percent	79.13%	74.83%	71.10%	76.66%	75.94%	77.82%	75.67%	76.36%	-	78.15%	75.85%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	-	100.00%	100.00%
Effective Tax Rate	20.87%	25.17%	28.90%	0.00%	24.06%	22.18%	24.33%	23.64%	-	21.85%	24.15%
Return on Invested Capital (ROIC)	1.64%	1.98%	3.03%	-7.70%	4.46%	3.34%	4.60%	7.82%	-	6.35%	6.80%
ROIC Less NNEP Spread (ROIC-NNEP)	1.64%	1.98%	3.03%	-7.97%	4.46%	3.34%	4.60%	7.82%	-	6.35%	6.80%
Return on Net Nonoperating Assets (RNNOA)	1.18%	1.47%	2.20%	-4.90%	2.65%	1.53%	2.90%	2.90%	-	2.06%	2.59%
Return on Equity (ROE)	2.82%	3.46%	5.23%	-12.59%	7.11%	4.86%	7.50%	10.72%	-	8.41%	9.39%
Cash Return on Invested Capital (CROIC)	-3.37%	27.69%	-1.32%	6.04%	13.80%	0.80%	4.85%	17.06%	-	15.29%	25.23%
Operating Return on Assets (OROA)	0.39%	0.50%	0.78%	-1.86%	1.04%	0.68%	1.07%	1.53%	-	1.17%	1.35%
Return on Assets (ROA)	0.31%	0.37%	0.56%	-1.43%	0.79%	0.53%	0.81%	1.17%	-	0.91%	1.02%
Return on Common Equity (ROCE)	2.55%	3.12%	4.73%	-11.42%	6.46%	4.42%	6.83%	9.80%	-	7.69%	8.60%
Return on Equity Simple (ROE_SIMPLE)	0.00%	5.57%	4.71%	0.79%	0.00%	2.87%	3.82%	8.27%	-	9.90%	10.00%
Net Operating Profit after Tax (NOPAT)	20	26	42	-56	71	47	77	105	-	74	85
NOPAT Margin	8.20%	10.20%	15.60%	-44.68%	25.04%	16.77%	25.15%	30.91%	-	22.78%	25.32%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.27%	0.00%	0.00%	0.00%	0.00%	-	0.00%	0.00%
SG&A Expenses to Revenue	59.69%	64.61%	58.99%	132.36%	48.74%	61.02%	52.12%	46.92%	-	56.76%	50.37%
Operating Expenses to Revenue	81.91%	78.96%	70.56%	155.85%	60.69%	72.38%	61.89%	55.99%	-	65.92%	61.25%
Earnings before Interest and Taxes (EBIT)	25	35	59	-80	94	60	102	138	-	94	112
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	35	46	73	-66	109	70	117	150	-	107	128
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.07	1.03	0.99	1.08	1.18	1.10	1.14	1.16	-	1.27	1.35
Price to Tangible Book Value (P/TBV)	1.07	1.03	0.99	1.08	1.18	1.10	1.14	1.16	-	1.27	1.35
Price to Revenue (P/Rev)	2.89	2.79	2.72	3.69	3.88	3.59	3.66	3.19	-	3.23	3.40
Price to Earnings (P/E)	18.06	18.55	21.55	351.75	59.97	42.35	31.20	13.65	-	12.34	12.98
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	0.00%	0.19%
Earnings Yield	5.54%	5.39%	4.64%	0.28%	1.67%	2.36%	3.21%	7.33%	-	8.11%	7.70%
Enterprise Value to Invested Capital (EV/IC)	0.45	0.32	0.47	0.22	0.46	0.28	0.58	0.44	-	0.54	0.44
Enterprise Value to Revenue (EV/Rev)	2.34	1.46	2.46	1.24	2.44	1.41	3.13	1.65	-	1.86	1.48
Enterprise Value to EBITDA (EV/EBITDA)	8.78	5.66	10.48	12.62	14.08	7.27	13.63	4.49	-	4.62	3.68
Enterprise Value to EBIT (EV/EBIT)	10.22	6.71	12.87	28.33	21.21	10.15	17.74	5.07	-	5.17	4.12
Enterprise Value to NOPAT (EV/NOPAT)	13.32	8.77	17.20	41.48	29.29	13.67	23.31	6.65	-	6.76	5.38
Enterprise Value to Operating Cash Flow (EV/OCF)	6.74	3.43	6.24	1.70	4.72	3.49	7.52	8.03	-	5.39	4.02
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	1.03	0.00	3.52	3.14	34.85	11.82	2.44	-	3.39	1.57
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.74	0.51	0.74	0.51	0.46	0.41	0.53	0.25	-	0.24	0.23
Long-Term Debt to Equity	0.27	0.51	0.21	0.20	0.20	0.19	0.18	0.17	-	0.24	0.14
Financial Leverage	0.72	0.74	0.73	0.61	0.59	0.46	0.63	0.37	-	0.33	0.38
Leverage Ratio	9.08	9.24	9.40	9.52	9.00	9.17	9.24	9.18	-	9.22	9.20
Compound Leverage Factor	9.08	9.24	9.40	9.52	9.00	9.17	9.24	9.18	-	9.22	9.20
Debt to Total Capital	42.44%	33.67%	42.37%	33.57%	31.45%	29.14%	34.76%	19.76%	-	19.59%	18.91%
Short-Term Debt to Total Capital	26.99%	0.00%	30.40%	20.50%	18.01%	15.49%	23.23%	6.07%	-	0.00%	7.78%
Long-Term Debt to Total Capital	15.46%	33.67%	11.98%	13.07%	13.44%	13.65%	11.53%	13.69%	-	19.59%	11.13%
Preferred Equity to Total Capital	5.40%	6.28%	5.44%	5.94%	6.11%	6.20%	5.58%	6.62%	-	6.69%	6.67%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	0.00%	0.00%
Common Equity to Total Capital	52.16%	60.05%	52.18%	60.49%	62.44%	64.66%	59.66%	73.63%	-	73.73%	74.42%
Debt to EBITDA	8.22	5.89	9.51	19.37	9.58	7.62	8.16	2.01	-	1.68	1.60
Net Debt to EBITDA	-3.08	-6.24	-2.35	-28.52	-10.19	-12.92	-3.58	-4.87	-	-3.98	-5.34
Long-Term Debt to EBITDA	2.99	5.89	2.69	7.54	4.09	3.57	2.71	1.39	-	1.68	0.94
Debt to NOPAT	12.47	9.11	15.60	63.64	19.94	14.33	13.95	2.98	-	2.46	2.33
Net Debt to NOPAT	-4.67	-9.66	-3.86	-93.73	-21.20	-24.31	-6.11	-7.22	-	-5.82	-7.81
Long-Term Debt to NOPAT	4.54	9.11	4.41	24.79	8.52	6.71	4.63	2.06	-	2.46	1.37
Noncontrolling Interest Sharing Ratio	9.59%	9.60%	9.59%	9.33%	9.14%	9.09%	8.97%	8.58%	-	8.53%	8.38%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-350	1,358	-179	231	716	-13	208	622	-	430	967
Operating Cash Flow to CapEx	5,028.59%	478.07%	151.52%	2,194.03%	248.56%	15.23%	1,136.31%	3,359.49%	-	6,450.18%	1,035.35%
Free Cash Flow to Firm to Interest Expense	-1.73	6.71	-0.87	1.09	3.44	-0.07	1.12	3.29	-	2.61	5.38
Operating Cash Flow to Interest Expense	0.93	0.47	0.16	1.57	0.09	0.00	0.34	0.88	-	0.53	0.58
Operating Cash Flow Less CapEx to Interest Expense	0.91	0.37	0.06	1.50	0.05	-0.01	0.31	0.85	-	0.52	0.52
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.03	0.03	0.03	0.03	0.04	-	0.04	0.04
Fixed Asset Turnover	36.62	28.18	21.94	15.88	15.83	14.23	12.76	14.26	-	15.26	14.86
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	5,558	4,780	5,511	5,049	4,913	4,840	5,380	4,533	-	4,485	4,499
Invested Capital Turnover	0.20	0.19	0.19	0.17	0.18	0.20	0.18	0.25	-	0.28	0.27
Increase / (Decrease) in Invested Capital	370	-1,332	221	-287	-645	60	-130	-517	-	-356	-882
Enterprise Value (EV)	2,520	1,549	2,574	1,105	2,270	1,345	3,125	1,998	-	2,413	1,962
Market Capitalization	3,104	2,956	2,852	3,301	3,614	3,437	3,645	3,868	-	4,191	4,509
Book Value per Share	$60.37	$61.53	$61.64	$66.11	$66.39	$68.02	$69.93	$72.93	-	$74.84	$76.66
Tangible Book Value per Share	$60.34	$61.50	$61.61	$66.08	$66.36	$67.99	$69.90	$72.90	-	$74.81	$76.62
Total Capital	5,558	4,780	5,511	5,049	4,913	4,840	5,380	4,533	-	4,485	4,499
Total Debt	2,359	1,610	2,335	1,695	1,545	1,411	1,870	895	-	878	851
Total Long-Term Debt	859	1,610	660	660	660	661	620	620	-	878	501
Net Debt	-884	-1,706	-578	-2,496	-1,643	-2,392	-820	-2,169	-	-2,078	-2,847
Capital Expenditures (CapEx)	3.73	20	22	15	7.41	2.42	5.54	4.95	-	1.36	10.00
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	5.32	0.00	0.00	0.00	0.00	-	0.00	0.00
Net Nonoperating Obligations (NNO)	2,359	1,610	2,335	1,695	1,545	1,411	1,870	895	-	878	851
Total Depreciation and Amortization (D&A)	9.60	11	14	14	15	9.22	14	13	-	13	16
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.34	$0.46	$0.80	($1.42)	$1.45	$0.93	$1.59	$2.21	$2.13	$1.58	$1.85
Adjusted Weighted Average Basic Shares Outstanding	47.41M	46.65M	46.20M	46.21M	46.01M	45.90M	45.76M	45.64M	44.18M	43.67M	43.47M
Adjusted Diluted Earnings per Share	$0.33	$0.46	$0.80	($1.41)	$1.43	$0.92	$1.58	$2.18	$2.11	$1.56	$1.83
Adjusted Weighted Average Diluted Shares Outstanding	47.41M	46.65M	46.20M	46.21M	46.01M	45.90M	45.76M	45.64M	44.18M	43.67M	43.47M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	47.41M	46.65M	46.20M	46.21M	46.01M	45.90M	45.76M	45.64M	44.18M	43.67M	43.47M
Normalized Net Operating Profit after Tax (NOPAT)	20	26	42	-56	71	47	77	105	-	74	85
Normalized NOPAT Margin	8.20%	10.20%	15.60%	-44.68%	25.04%	16.77%	25.15%	30.91%	-	22.78%	25.32%
Pre Tax Income Margin	10.36%	13.63%	21.95%	-63.83%	32.97%	21.56%	33.24%	40.48%	-	29.14%	33.38%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.13	0.17	0.29	-0.38	0.45	0.32	0.55	0.73	-	0.57	0.62
NOPAT to Interest Expense	0.10	0.13	0.20	-0.26	0.34	0.25	0.42	0.56	-	0.45	0.47
EBIT Less CapEx to Interest Expense	0.11	0.07	0.18	-0.45	0.41	0.30	0.52	0.70	-	0.57	0.57
NOPAT Less CapEx to Interest Expense	0.08	0.03	0.09	-0.34	0.31	0.23	0.39	0.53	-	0.44	0.42
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	9.12%	9.77%	11.53%	64.76%	22.26%	17.53%	12.87%	5.74%	-	4.83%	7.12%
Augmented Payout Ratio	64.65%	52.98%	95.96%	539.10%	127.42%	99.97%	51.75%	25.43%	-	69.22%	70.86%

Financials Breakdown Chart

Key Financial Trends

Texas Capital Bancshares (NASDAQ: TCBI) has shown meaningful balance-sheet growth and a broad recovery in profitability since 2023, although earnings remain below the highs reached in late 2025. Gross loans and leases increased from $19.8 billion in Q3 2022 to $24.9 billion in Q2 2026, while total assets rose from $30.4 billion to $33.9 billion. Total deposits also expanded from approximately $24.5 billion to $28.9 billion over the same period, supporting the company’s larger lending platform.

Profitability has improved substantially from the weak results reported in 2024. Net income rose from a $61.3 million loss in Q3 2024 to $84.9 million in Q2 2026, while diluted earnings per share increased from a loss of $1.41 to $1.83. Q2 2026 net income increased sequentially from $73.8 million in Q1, helped by higher net interest income, stronger investment banking revenue and lower non-interest expense. However, Q2 earnings remained below the $105.2 million reported in Q3 2025 and the $100.7 million reported in Q4 2025.

Cash generation has generally remained positive since the Q3 2024 loss, with $103.5 million of operating cash flow in Q2 2026. The company’s $741.7 million increase in cash and equivalents during the quarter was primarily supported by net deposit growth and positive investing cash flow. Investors should note that the cash-flow statement includes very large purchases and maturities of investment securities, reflecting portfolio turnover rather than conventional operating investment. Credit costs also require monitoring: the Q2 2026 provision for credit losses rose to $18 million, and the allowance for loan losses was $268.3 million against $24.9 billion of gross loans.

Loan growth supports future revenue: Gross loans increased roughly 26% from Q3 2022 to Q2 2026, providing a larger base for interest income and related banking fees.
Deposits have expanded: Total deposits grew approximately 18% over the same period to $28.9 billion, improving funding capacity for the bank’s lending activities.
Net interest income remains well above 2022 levels: Q2 2026 net interest income was $260.4 million versus $239.1 million in Q3 2022, despite some moderation from the $271.8 million peak in Q3 2025.
Non-interest revenue has diversified: Total non-interest income increased to $75.1 million in Q2 2026 from $25.3 million in Q3 2022. Investment banking income of $31.5 million was a particularly important contributor.
Profitability has recovered: Net income improved from a $61.3 million loss in Q3 2024 to $84.9 million in Q2 2026, and diluted EPS reached $1.83.
Operating cash flow is positive: TCBI generated $103.5 million of operating cash flow in Q2 2026, continuing a generally positive trend following the weak cash generation reported in early 2025.
Capital has grown: Total equity increased from $2.9 billion in Q3 2022 to $3.6 billion in Q2 2026, while retained earnings rose to approximately $3.0 billion.
Liquidity has shifted toward interest-bearing assets: Interest-bearing deposits at other banks increased to $3.5 billion in Q2 2026, while cash and due from banks declined to $209.5 million. This may improve interest income but reflects a changing liquidity mix.
Earnings have cooled from late-2025 highs: Q2 2026 net income of $84.9 million was below the $105.2 million reported in Q3 2025, while diluted EPS declined from $2.18 to $1.83.
Credit costs and reserves remain a risk: The Q2 2026 provision for credit losses increased to $18 million from $15 million in Q2 2025. The allowance was $268.3 million, or roughly 1.1% of gross loans, leaving earnings exposed if loan quality deteriorates.

09/12/26 06:12 AM ETAI Generated. May Contain Errors.

Texas Capital Bancshares Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Texas Capital Bancshares' fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Texas Capital Bancshares' net income appears to be on an upward trend, with a most recent value of $330.24 million in 2025, rising from $144.85 million in 2015. The previous period was $77.51 million in 2024.

Over the last 10 years, Texas Capital Bancshares' total revenue changed from $604.27 million in 2015 to $1.26 billion in 2025, a change of 107.8%.

Texas Capital Bancshares' total liabilities were at $27.91 billion at the end of 2025, a 2.0% increase from 2024, and a 61.5% increase since 2015.

In the past 10 years, Texas Capital Bancshares' cash and equivalents has ranged from $109.50 million in 2015 to $233.64 million in 2022, and is currently $201.32 million as of their latest financial filing in 2025.

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Financial statements for NASDAQ:TCBIO last updated on 7/23/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Texas Capital Bancshares (TCBIO) Financials

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