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Earnings transcript
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TCBI
Texas Capital Bancshares, Inc.
$98.54
-0.05
(-0.05%)
| Exchange: | NASDAQ |
| Market Cap: | 4.284B |
| Shares Outstanding: | 7.559M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Robert C. Holmes | |||||
| Full Time Employees: | 1785 | |||||
| Address: |
| |||||
| Website: | https://www.texascapitalbank.com |
Texas Capital Bancshares, Inc. serves as the holding company for Texas Capital Bank, operating as a comprehensive financial services firm that delivers tailored solutions to businesses, entrepreneurs, and individual clients. Its offerings encompass commercial banking, consumer banking, investment banking, and wealth management. The company provides businesses with various deposit accounts, such as commercial checking, lockbox, and cash concentration services, alongside digital banking tools for information access, wire transfers, ACH initiation, and account integration. For individual clients, it offers checking, savings, money market accounts, and certificates of deposit. Regarding lending, the firm extends a broad spectrum of options, including commercial loans to fund working capital, growth initiatives, acquisitions, and business insurance premiums, in addition to consumer loans. Specialized financing is available for exploration and production companies, mortgage finance, commercial real estate, and residential homebuilder projects. Furthermore, it offers first and second lien loans for purchasing or constructing 1-4 family residences, home equity revolving lines of credit, and loans for acquiring residential lots. SBA-backed real estate loans, equipment financing and leasing services, and letters of credit round out its lending portfolio. Beyond its core banking and lending activities, clients benefit from online and mobile banking platforms, debit and credit card services, escrow management, and comprehensive personal wealth and trust services. Depositors also have the opportunity to earn American Airlines AAdvantage miles. Its operations are focused within the Austin, Fort Worth, Dallas, Houston, and San Antonio metropolitan areas of Texas. Established in 1996, the firm maintains its headquarters in Dallas, Texas.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 1,791,342 | 1,760,596 | 1,998,927 |
| Gross Profit | 1,003,542 | 865,346 | 1,211,779 |
| EBITDA | 287,068 | 161,289 | 480,001 |
| Operating Income | 246,595 | 107,061 | 443,710 |
| Net Income | 189,141 | 77,508 | 330,244 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 28,356,266 | 30,786,645 | 31,540,274 |
| Total Liabilities | 25,157,124 | 27,418,709 | 27,908,892 |
| Total Stockholders Equity | 3,199,142 | 3,367,936 | 3,631,382 |
| Total Debt | 2,359,147 | 1,545,346 | 950,575 |
| Cash and Cash Equivalents | 3,242,850 | 3,188,808 | 1,897,803 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 373,740 | 481,121 | 360,154 |
| Capital Expenditure | -16,381 | -64,841 | 0 |
| Free Cash Flow | 357,359 | 416,280 | 360,154 |
| Net Income | 189,141 | 77,508 | 330,244 |
| Net Change in Cash | -1,769,410 | -54,042 | -1,089,690 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 1,489,241.265 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 1,573,196.020 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 1,531,218.638 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 390,837.834 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 412,870.997 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 401,854.414 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 403,292.189 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 442,564.045 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 422,928.117 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 480,688.588 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 507,787.013 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 494,237.799 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 9.310 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 9.740 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 8.870 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 2 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 2 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Record Financial Performance: As highlighted in the Q3 2025 earnings call, TCBI reported record financial results, reflecting strong revenue and net income growth. This performance underscores the company’s operational efficiency and ability to capitalize on market conditions.
- Transformation Plan Completion: The successful completion of its transformation plan, as noted in the earnings call, positions TCBI for enhanced operational agility and long-term growth, demonstrating strategic execution.
- Solid Return Metrics: Key metrics such as return on equity (ROE) and return on invested capital (ROIC) from the TTM data indicate effective use of capital and profitability, providing a competitive edge within the industry.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates TCBI intrinsic value between $131.42 – $151.33 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about TCBI valuation
Is Texas Capital Bancshares, Inc. (TCBI) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Texas Capital Bancshares, Inc. (TCBI) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is TCBI a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether TCBI trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is TCBI’s P/E ratio?
You can see TCBI’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for TCBI?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is TCBI a good long-term investment?
Whether TCBI fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
TCBI
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
-0.05
Trading Metrics:
| Open: | 99.03 | Previous Close: | 98.59 | |
| Day Low: | 98.32 | Day High: | 99.34 | |
| Year Low: | 75.41 | Year High: | 108.92 | |
| Price Avg 50: | 101.14 | Price Avg 200: | 97.86 | |
| Volume: | 336132 | Average Volume: | 489850 |
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Login — it's freeTCBI full analysis
Welcome to MARKETSNAP’s SWOT analysis for Texas Capital Bancshares, also known by its ticker TCBI. If you’re a long-term investor looking to build wealth through smart stock picks, you’re in the right place. Today, we’re diving deep into a regional banking player that might not be a household name like the big national banks, but it’s got a solid footprint and some interesting dynamics worth exploring. Let’s break down what makes Texas Capital Bancshares tick, analyze its recent performance, and…
