Texas Capital Bancshares
TCBI TXSE Regional Banks Financials FY2016–FY2025
Texas Capital Bancshares' revenue rose 34.7% to $1.3 billion in fiscal 2025. Net income was $330 million, up 326.1%. Its return on equity was 9.4%, up from 2.4% a year earlier. Its efficiency ratio was 61.2%, down from 81.3% a year earlier. It paid out $186 million in dividends and buybacks. The diluted share count fell 1.8%.
Revenue
Total sales reported in the income statement.
$1.3B
34.7%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
61.2%
20.2 pts
Net income
Profit after all expenses, interest and tax.
$330M
326.1%
Return on equity
Net income as a share of average shareholders' equity.
9.4%
7.1 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
$4.7B
Oct 23 close
P/E
Last close divided by diluted earnings per share over the last four quarters.
13.1x
On $7.79 EPS (TTM)
What Texas Capital Bancshares does
No business description yet.
- Legal name
- TEXAS CAPITAL BANCSHARES INC/TX
- Fiscal year ends
- December 31, 2025
- Latest annual report
- —
- Accession · CIK
- 0001077428-26-000010
0001077428
Revenue and margins
Texas Capital Bancshares had $1.3B of revenue in fiscal 2025, up 34.7% on the year before.
FY16
Revenue $701M
FY17
Revenue $836M
FY18
Revenue $993M
FY19
Revenue $1.1B
FY20
Revenue $1.1B
FY21
Revenue $907M
FY22
Revenue $1.2B
FY23
Revenue $1.1B
FY24
Revenue $932M
FY25
Revenue $1.3B
Q4 '23
Revenue $246M
Q1 '24
Revenue $256M
Q2 '24
Revenue $267M
Q3 '24
Revenue $125M
Q4 '24
Revenue $284M
Q1 '25
Revenue $281M
Q2 '25
Revenue $308M
Q3 '25
Revenue $340M
Q4 '25
Revenue $328M
Q1 '26
Revenue $324M
Q2 '26
Revenue $336M
Q3 '26
Revenue $357M
FY16
Net interest share 91.3%
Efficiency ratio 54.6%
FY17
Net interest share 91.1%
Efficiency ratio 55.9%
FY18
Net interest share 92.1%
Efficiency ratio 53.6%
FY19
Net interest share 90.5%
Efficiency ratio 56.0%
FY20
Net interest share 80.8%
Efficiency ratio 66.8%
FY21
Net interest share 84.8%
Efficiency ratio 66.0%
FY22
Net interest share 71.5%
Efficiency ratio 59.4%
FY23
Net interest share 85.0%
Efficiency ratio 70.4%
FY24
Net interest share 96.7%
Efficiency ratio 81.3%
FY25
Net interest share 81.9%
Efficiency ratio 61.2%
Net interest share
Efficiency ratio
Q4 '23
Net interest share 87.4%
Efficiency ratio 81.9%
Q1 '24
Net interest share 83.9%
Efficiency ratio 79.0%
Q2 '24
Net interest share 81.1%
Efficiency ratio 70.6%
Q3 '24
Net interest share 191.6%
Efficiency ratio 155.9%
Q4 '24
Net interest share 80.9%
Efficiency ratio 60.7%
Q1 '25
Net interest share 84.1%
Efficiency ratio 72.4%
Q2 '25
Net interest share 82.4%
Efficiency ratio 61.9%
Q3 '25
Net interest share 79.9%
Efficiency ratio 56.0%
Q4 '25
Net interest share 81.7%
Efficiency ratio 56.3%
Q1 '26
Net interest share 78.6%
Efficiency ratio 65.9%
Q2 '26
Net interest share 77.6%
Efficiency ratio 61.3%
Q3 '26
Net interest share 77.1%
Efficiency ratio 57.2%
Net interest share
Efficiency ratio
Net income and earnings per share
From fiscal 2016 to 2025, diluted EPS grew 9.1% a year. Loss periods are shown in red.
FY16
Net income $155M
FY17
Net income $196M
FY18
Net income $293M
FY19
Net income $312M
FY20
Net income $66.3M
FY21
Net income $254M
FY22
Net income $333M
FY23
Net income $189M
FY24
Net income $77.5M
FY25
Net income $330M
Q4 '23
Net income $20.1M
Q1 '24
Net income $26.1M
Q2 '24
Net income $41.7M
Q3 '24
Net income −$61.3M
Q4 '24
Net income $71.0M
Q1 '25
Net income $47.0M
Q2 '25
Net income $77.3M
Q3 '25
Net income $105M
Q4 '25
Net income $101M
Q1 '26
Net income $73.8M
Q2 '26
Net income $84.9M
Q3 '26
Net income $104M
FY16
Diluted EPS $3.11
FY17
Diluted EPS $3.73
FY18
Diluted EPS $5.64
FY19
Diluted EPS $5.99
FY20
Diluted EPS $1.12
FY21
Diluted EPS $4.60
FY22
Diluted EPS $6.18
FY23
Diluted EPS $3.54
FY24
Diluted EPS $1.28
FY25
Diluted EPS $6.79
Q4 '23
Diluted EPS $0.34
Q1 '24
Diluted EPS $0.46
Q2 '24
Diluted EPS $0.80
Q3 '24
Diluted EPS −$1.41
Q4 '24
Diluted EPS $1.42
Q1 '25
Diluted EPS $0.92
Q2 '25
Diluted EPS $1.58
Q3 '25
Diluted EPS $2.18
Q4 '25
Diluted EPS $2.12
Q1 '26
Diluted EPS $1.56
Q2 '26
Diluted EPS $1.83
Q3 '26
Diluted EPS $2.28
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY16
ROE 8.6%
ROTE 8.8%
Efficiency ratio 54.6%
FY17
ROE 9.4%
ROTE 9.7%
Efficiency ratio 55.9%
FY18
ROE 12.6%
ROTE 13.1%
Efficiency ratio 53.6%
FY19
ROE 11.8%
ROTE 12.2%
Efficiency ratio 56.0%
FY20
ROE 2.3%
ROTE 2.1%
Efficiency ratio 66.8%
FY21
ROE 8.4%
ROTE 8.4%
Efficiency ratio 66.0%
FY22
ROE 10.6%
ROTE 11.2%
Efficiency ratio 59.4%
FY23
ROE 6.1%
ROTE 6.1%
Efficiency ratio 70.4%
FY24
ROE 2.4%
ROTE 2.0%
Efficiency ratio 81.3%
FY25
ROE 9.4%
ROTE 9.8%
Efficiency ratio 61.2%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
Texas Capital Bancshares returned $186M to shareholders in fiscal 2025. The diluted share count fell 1.8%.
FY16
Dividends $0.0M
Buybacks $0.0M
FY17
Dividends $0.0M
Buybacks $0.0M
FY18
Dividends $0.0M
Buybacks $0.0M
FY19
Dividends $0.0M
Buybacks $0.0M
FY20
Dividends $0.0M
Buybacks $0.0M
FY21
Dividends $0.0M
Buybacks $0.0M
FY22
Dividends $0.0M
Buybacks $115M
FY23
Dividends $0.0M
Buybacks $105M
FY24
Dividends $0.0M
Buybacks $81.5M
FY25
Dividends $0.0M
Buybacks $186M
Dividends
Buybacks
Q4 '23
Dividends $0.0M
Buybacks $44.8M
Q1 '24
Dividends $0.0M
Buybacks $31.5M
Q2 '24
Dividends $0.0M
Buybacks $50.0M
Q3 '24
Dividends $0.0M
Buybacks $0.0M
Q4 '24
Dividends $0.0M
Buybacks $0.0M
Q1 '25
Dividends $0.0M
Buybacks $31.2M
Q2 '25
Dividends $0.0M
Buybacks $21.0M
Q3 '25
Dividends $0.0M
Buybacks $7.1M
Q4 '25
Dividends $0.0M
Buybacks $127M
Q1 '26
Dividends $0.0M
Buybacks $75.1M
Q2 '26
Dividends $0.0M
Buybacks $23.6M
Q3 '26
Dividends $8.6M
Buybacks $103M
Dividends
Buybacks
FY16
Diluted shares 0.05B
FY17
Diluted shares 0.05B
FY18
Diluted shares 0.05B
FY19
Diluted shares 0.05B
FY20
Diluted shares 0.05B
FY21
Diluted shares 0.05B
FY22
Diluted shares 0.05B
FY23
Diluted shares 0.05B
FY24
Diluted shares 0.05B
FY25
Diluted shares 0.05B
Value Texas Capital Bancshares yourself
Change the assumptions and see what they imply per share. These are models, not forecasts or price targets — the answer depends entirely on what you put in.
Earnings multiple
Value per share
—
Reference multiples: today 13.1x · peers 12.2x · sector 13.7x.
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY16
Loans $17.3B
Deposits $17.0B
FY17
Loans $20.5B
Deposits $19.1B
FY18
Loans $22.4B
Deposits $20.6B
FY19
Loans $24.5B
Deposits $26.5B
FY20
Loans $24.2B
Deposits $31.0B
FY21
Loans $22.6B
Deposits $28.1B
FY22
Loans $19.0B
Deposits $22.9B
FY23
Loans $20.1B
Deposits $22.4B
FY24
Loans $22.2B
Deposits $25.2B
FY25
Loans $23.8B
Deposits $26.4B
Loans
Deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Loans, net | $22.6B | $19.0B | $20.1B | $22.2B | $23.8B |
| Deposits | $28.1B | $22.9B | $22.4B | $25.2B | $26.4B |
| Loans / deposits | 80.4% | 83.3% | 89.8% | 87.9% | 89.9% |
| Total assets | $34.7B | $28.4B | $28.4B | $30.7B | $31.5B |
| Shareholders' equity | $3.2B | $3.1B | $3.2B | $3.4B | $3.6B |
| Goodwill | $15.1M | $1.5M | $1.5M | $1.5M | $1.5M |
| Intangible assets | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M |
| Provision / loans | −0.1% | 0.3% | 0.4% | 0.3% | 0.2% |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$2.5M
3 insiders
Sold, 12 months
$10.6M
3 insiders
Of sales under plans
0%
$0.0M
| Date | Insider | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Jul 24, 2026 | Ellen DetrichController | Sold | 2,045 | $100.03 | $0.2M | Form 4 |
| Jun 15, 2026 | John Matthew ScurlockChief Financial Officer | Bought | 44 | $101.29 | $0.0M | Form 4 |
| Jun 9, 2026 | Anna M AlvaradoChief Legal Officer | Sold | 3,500 | $100.95 | $0.4M | Form 4 |
| Jun 8, 2026 | Rob C HolmesChairman, President and CEO | Sold | 49,500 | $101.22 | $5.0M | Form 4 |
| Jun 5, 2026 | Rob C HolmesChairman, President and CEO | Sold | 49,100 | $101.88 | $5.0M | Form 4 |
| Mar 11, 2026 | Paola M ArbourDirector | Bought | 1,000 | $91.50 | $0.1M | Form 4 |
| Mar 6, 2026 | Robert W StallingsDirector | Bought | 5,500 | $22.80 | $0.1M | Form 4 |
| Mar 5, 2026 | Robert W StallingsDirector | Bought | 20,000 | $22.69 | $0.5M | Form 4 |
| Mar 4, 2026 | Robert W StallingsDirector | Bought | 15,000 | $22.51 | $0.3M | Form 4 |
| Mar 3, 2026 | Robert W StallingsDirector | Bought | 30,000 | $22.11 | $0.7M | Form 4 |
| Mar 2, 2026 | Robert W StallingsDirector | Bought | 20,000 | $22.22 | $0.4M | Form 4 |
| Feb 27, 2026 | Robert W StallingsDirector | Bought | 8,330 | $51.30 | $0.4M | Form 4 |
Similar companies
Each company's latest fiscal year. Fiscal years end in different months, so periods don't line up exactly.
| Company | Market cap | Growth | Op. margin | FCF margin | ROIC | P/E | F-score | |
|---|---|---|---|---|---|---|---|---|
| Texas Capital Bancshares TCBI | $4.7B | 34.7% | — | — | — | 13.1x | — | |
| Prosperity Bancshares PB | $6.6B | 4.8% | — | — | — | 12.0x | — | Compare → |
| United Bankshares UBSI | $6.9B | 19.6% | — | — | — | 13.3x | — | Compare → |
| Home BancShares HOMB | $6.0B | 7.2% | — | — | — | 12.4x | — | Compare → |
| Associated Bank ASB | $5.0B | 43.3% | — | — | — | 10.5x | — | Compare → |
10 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||||
| Revenue | $701M | $836M | $993M | $1.1B | $1.1B | $907M | $1.2B | $1.1B | $932M | $1.3B |
| Net interest income | $640M | $761M | $915M | $969M | $851M | $769M | $876M | $914M | $901M | $1.0B |
| Noninterest income | $60.8M | $74.3M | $78.0M | $102M | $203M | $138M | $350M | $161M | $31.0M | $227M |
| Noninterest expense | $382M | $467M | $533M | $600M | $704M | $599M | $728M | $757M | $758M | $768M |
| Provision for credit losses | $77.0M | $44.0M | $87.0M | $75.0M | $258M | −$30.0M | $66.0M | $72.0M | $67.0M | $55.0M |
| Pretax income | $241M | $325M | $373M | $396M | $91.9M | $338M | $432M | $247M | $107M | $433M |
| Income tax | $86.1M | $129M | $80.0M | $84.3M | $25.7M | $84.1M | $99.3M | $57.5M | $29.6M | $103M |
| Net income | $155M | $196M | $293M | $312M | $66.3M | $254M | $333M | $189M | $77.5M | $330M |
| Net income to common | $145M | $186M | $284M | $302M | $56.5M | $235M | $315M | $172M | $60.3M | $313M |
| Diluted EPS | $3.11 | $3.73 | $5.64 | $5.99 | $1.12 | $4.60 | $6.18 | $3.54 | $1.28 | $6.79 |
| Diluted shares | 0.05B | 0.05B | 0.05B | 0.05B | 0.05B | 0.05B | 0.05B | 0.05B | 0.05B | 0.05B |
| Cash flow | ||||||||||
| Stock-based compensation | $13.6M | $22.0M | $16.9M | $17.6M | $17.4M | $31.3M | $21.4M | $24.2M | $24.7M | $36.8M |
| Share buybacks | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $115M | $105M | $81.5M | $186M |
| Dividends paid | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M |
| Dividends and buybacks | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $115M | $105M | $81.5M | $186M |
| Balance sheet | ||||||||||
| Loans, net | $17.3B | $20.5B | $22.4B | $24.5B | $24.2B | $22.6B | $19.0B | $20.1B | $22.2B | $23.8B |
| Deposits | $17.0B | $19.1B | $20.6B | $26.5B | $31.0B | $28.1B | $22.9B | $22.4B | $25.2B | $26.4B |
| Goodwill | $15.1M | $15.1M | $15.1M | $15.1M | $15.1M | $15.1M | $1.5M | $1.5M | $1.5M | $1.5M |
| Intangible assets | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M |
| Total assets | $21.7B | $25.1B | $28.3B | $32.5B | $37.7B | $34.7B | $28.4B | $28.4B | $30.7B | $31.5B |
| Preferred stock | $150M | $150M | $150M | $150M | $150M | $300M | $300M | $300M | $300M | $300M |
| Shareholders' equity | $2.0B | $2.2B | $2.5B | $2.8B | $2.9B | $3.2B | $3.1B | $3.2B | $3.4B | $3.6B |
| Margins | ||||||||||
| Net margin | 22.1% | 23.5% | 29.6% | 29.1% | 6.3% | 28.0% | 27.1% | 17.6% | 8.3% | 26.3% |
| Net interest share of revenue | 91.3% | 91.1% | 92.1% | 90.5% | 80.8% | 84.8% | 71.5% | 85.0% | 96.7% | 81.9% |
| Efficiency ratio | 54.6% | 55.9% | 53.6% | 56.0% | 66.8% | 66.0% | 59.4% | 70.4% | 81.3% | 61.2% |
| Returns | ||||||||||
| Return on equity | 8.6% | 9.4% | 12.6% | 11.8% | 2.3% | 8.4% | 10.6% | 6.1% | 2.4% | 9.4% |
| Return on assets | 0.8% | 0.8% | 1.1% | 1.0% | 0.2% | 0.7% | 1.1% | 0.7% | 0.3% | 1.1% |
| Return on tangible equity | 8.8% | 9.7% | 13.1% | 12.2% | 2.1% | 8.4% | 11.2% | 6.1% | 2.0% | 9.8% |
| Growth | ||||||||||
| Revenue growth | 15.9% | 19.3% | 18.8% | 7.9% | −1.6% | −14.0% | 35.1% | −12.2% | −13.3% | 34.7% |
| Net income growth | 7.1% | 26.4% | 49.6% | 6.4% | −78.8% | 283.1% | 30.9% | −43.1% | −59.0% | 326.1% |
| EPS growth | 6.9% | 19.9% | 51.2% | 6.2% | −81.3% | 310.7% | 34.4% | −42.7% | −63.8% | 430.5% |
| Share count change | 0.7% | 7.5% | 0.0% | 0.3% | 0.3% | 1.1% | −0.2% | −4.8% | −3.3% | −1.8% |
| Financial health | ||||||||||
| Loans / deposits | 101.8% | 107.2% | 108.6% | 92.3% | 78.0% | 80.4% | 83.3% | 89.8% | 87.9% | 89.9% |
| Provision / loans | 0.5% | 0.2% | 0.4% | 0.3% | 1.1% | −0.1% | 0.3% | 0.4% | 0.3% | 0.2% |
| Capital allocation | ||||||||||
| Stock comp / revenue | 1.9% | 2.6% | 1.7% | 1.6% | 1.7% | 3.5% | 1.8% | 2.3% | 2.7% | 2.9% |
Source: SEC EDGAR XBRL filings (CIK 0001077428). Data updated October 22, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.