Saturday 17 October 2026 Export TCBI’s income statement to Excel — free account

Texas Capital Bancshares, Inc.

Texas Capital Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $2.0 billion, up 13.5% from fiscal 2024. In the quarter to June 2026, revenue grew 4.34%, EPS grew 16.4%, free cash flow grew 62.7% and total debt fell 19.2%, each against the same quarter a year earlier. Insiders bought in the last twelve months.

91.15 0.45 +0.50%

Follow TCBI

Alert me

Market cap: $3.9B
P/E: 11.7×
Fwd P/E: 13.4×
Dividend yield: 0.44%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 4.39

Total sells 10.57

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	3	5	3	—	—	1	—	—	—	—
Sell	—	—	—	—	—	—	—	2	1	—	—	—

Insider Ownership 2.70%

Capital & Financial Ratios $m

Market Cap 3,940.00

Revenue 2,036.97

Net Income 364.61

Free Cash Flow 471.85

Net Debt (3,199.95)

Current Ratio 1.00

Debt/Equity 0.14

P/E ratio 11.72

Fwd P/E 13.40

P/S ratio 1.95

P/B ratio 1.19

Past 5Y EPS Growth 43.39%

This Y EPS Growth 8.47%

Next Y EPS Growth 11.58%

Next Y revenue growth (32.86%)

Next 5Y EPS Growth 10.49%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 25.62%

10-year low 10-year high

P/S against its own 10 years 26.24%

10-year low 10-year high

P/B against its own 10 years 51.53%

10-year low 10-year high

Dividends

Payout Ratio 0.05

Annual Dividend Rate 0.40

Annual Dividend Yield 0.44%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.62	0.20 0.20
2025	Powerpack
2024	Powerpack
2023	Powerpack
2022	Powerpack
2021	Powerpack
2020	Powerpack
2019	Powerpack
2017	Powerpack
2016	0.41	0.41

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	3,243	3,189	2,103	3,701
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	24,179	26,249	26,732	29,258

	2023	2024	2025	Q'26
Payables	22,372	25,239	26,449	28,911
ST’ Debt	—	—	—	—
Other	—	—	—	—
	23,905	26,147	26,785	29,281

Compound Annual Growth %

	10y	5y	3y
Sales	11.88%	9.98%	10.20%
Cash Flow	17.98%	(32.86%)	34.52%
Earnings	8.76%	40.81%	(0.24%)
Book Value	8.38%	4.81%	5.93%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	488	515	—	—	—
’25	472	494	529	504	1,999
’24	459	472	338	492	1,761
’23	423	448	473	448	1,791
’22	229	269	347	649	1,494
’21	268	255	241	251	1,015
’20	318	322	304	298	1,242

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	88	103	—	—	—
’25	0	63	166	130	360
’24	96	33	333	18	480
’23	18	72	95	188	374
’22	73	74	68	(66)	148
’21	198	240	108	111	657
’20	1,786	467	(83)	470	2,640

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	86	93	—	—	—
’25	(2)	57	161	131	348
’24	76	11	318	11	415
’23	17	69	88	184	357
’22	70	67	66	(67)	137
’21	198	348	107	116	769
’20	1,785	466	(83)	470	2,637

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	1.56	1.83	—	—	—
’25	0.92	1.58	2.18	2.12	6.79
’24	0.46	0.80	(1.41)	1.43	1.28
’23	0.70	1.33	1.18	0.33	3.54
’22	0.69	0.59	0.74	4.23	6.18
’21	1.33	1.31	0.76	1.19	4.60
’20	(0.38)	(0.73)	1.08	1.14	1.12

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	29.78	69.65	47.86	50.10	19.10	54.27	48.79	42.79	54.68	59.37	Analyst estimates 2026–2028 Powerpack
	High	81.25	95.20	103.05	66.61	60.44	93.26	71.60	69.27	91.80	98.07
People
People	Employees	1,442	1,564	1,641	1,738	1,619	1,751	2,198	1,987	1,818	1,785
	Revenue/emp, $m	0.53	0.61	0.76	0.84	0.77	0.58	0.68	0.90	0.97	1.12
Income, $m
Income, $m	Revenue	764	954	1,242	1,457	1,242	1,015	1,494	1,791	1,761	1,999
	Gross margin, %	91.68	87.63	79.93	73.54	84.86	89.38	82.03	60.04	52.96	62.82
	EBT	241	326	373	396	92	338	432	247	107	433
	EBT margin, %	31.56	34.16	30.06	27.20	7.40	33.31	28.90	13.77	6.08	21.65
	Net income	155	197	293	312	66	254	332	189	78	330
	Depreciation	22	28	32	37	75	93	45	40	54	52
Per share, $
Per share, $	Revenue	16.53	19.23	24.88	28.98	24.64	20.06	29.60	37.28	37.81	43.80
	Earnings	3.14	3.78	5.83	6.23	1.12	4.65	6.25	3.58	1.29	6.86
	Cash flow	(15.71)	2.67	(13.61)	(4.78)	52.35	13.00	2.93	7.78	10.31	7.89
	Capex	(0.05)	(0.25)	(0.15)	(0.33)	(0.06)	2.21	(0.22)	(0.34)	(1.39)	(0.28)
	Free cash flow	(15.75)	2.42	(13.76)	(5.11)	52.29	15.20	2.71	7.44	8.92	7.62
	Book value	43.46	44.42	50.07	55.71	56.93	63.46	60.55	66.57	72.34	79.56
	Shares, m	46	50	50	50	50	51	50	48	47	46
Valuation, ×
Valuation, ×	P/E	25.18	24.26	8.76	9.13	53.60	13.01	9.39	17.93	61.09	13.18
	P/S	4.74	4.72	2.05	1.96	2.42	3.00	2.00	1.72	2.07	2.07
	P/B	1.95	2.19	1.09	1.08	1.10	1.05	1.08	1.06	1.19	1.24
	EV/Sales	4.16	5.02	3.03	0.84	(2.26)	(3.91)	(0.73)	0.39	0.63	1.33
	EV/FCF	(4.36)	39.95	(5.48)	(4.77)	(1.07)	(6.08)	(4.34)	1.46	2.09	5.72
Cash, $m
Cash, $m	Operating cash flow	(726)	132	(680)	(240)	2,640	657	148	374	480	360
	Capex	(2)	(12)	(8)	(17)	(3)	112	(11)	(16)	(65)	(13)
	Free cash flow	(728)	120	(687)	(257)	2,637	769	137	357	415	348
Balance, $m
Balance, $m	Working capital	4,473	5,427	6,785	5,561	3,262	790	720	274	102	(54)
	Total debt	2,394	3,195	4,295	2,796	3,396	929	931	859	660	621
	Net debt	(445)	289	1,215	(1,630)	(5,810)	(7,018)	(4,081)	(2,384)	(2,528)	(1,482)
	Shareholders’ equity	2,010	2,203	2,500	2,801	2,871	3,210	3,055	3,199	3,368	3,631
Returns, %
Returns, %	ROA	0.72	0.80	1.06	0.99	0.16	0.65	1.00	0.61	0.20	1.01
	ROIC	9.63	8.17	6.28	21.22	0.00	0.00	0.00	18.90	7.97	12.59
	ROE	8.72	9.58	12.88	12.09	2.10	8.35	11.13	6.08	2.02	9.78

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
IBOC International Bancshares Corporation	$4.2B	10.1×	11.2×	+0.96% (above 0%: growing)	−4.35% (below 0%: shrinking)	−3.33% (below 0%: shrinking)	81.33%	0.00%	Compare
FBP First BanCorp.	$4.2B	11.4×	10.8×	+4.63% (above 0%: growing)	+26.00% (above 0%: growing)	−5.21% (below 0%: shrinking)	81.89%	0.00%	Compare
UCB United Community Banks, Inc.	$4.1B	11.1×	11.3×	+0.18% (above 0%: growing)	+50.79% (above 0%: growing)	+43.32% (above 0%: growing)	72.97%	0.00%	Compare
BMA Macro Bank Inc.	$4.1B	14.0×	15.4×	+4.42% (above 0%: growing)	+17.44% (above 0%: growing)	+198.80% (above 0%: growing)	77.07%	0.00%	Compare
CATY Cathay General Bancorp	$4.0B	11.6×	10.6×	+3.12% (above 0%: growing)	+24.32% (above 0%: growing)	+272.48% (above 0%: growing)	63.72%	0.00%	Compare
TCBI Texas Capital Bancshares, Inc.	$3.9B	11.7×	13.4×	+4.34% (above 0%: growing)	+16.35% (above 0%: growing)	+62.74% (above 0%: growing)	65.14%	0.00%
WSFS WSFS Financial Corporation	$3.9B	12.8×	11.6×	+1.64% (above 0%: growing)	+28.35% (above 0%: growing)	−141.58% (below 0%: shrinking)	81.45%	0.00%	Compare
CVBF CVB Financial Corporation	$3.8B	15.1×	14.9×	+37.86% (above 0%: growing)	−19.44% (below 0%: shrinking)	+641.25% (above 0%: growing)	81.88%	0.00%	Compare
INDB Independent Bank Corp.	$3.7B	14.4×	10.9×	+31.36% (above 0%: growing)	+41.67% (above 0%: growing)	−34.59% (below 0%: shrinking)	76.37%	0.00%	Compare
Median of peers	$4.1B	12.2×	11.3×	+3.77%	+25.16%	+20.00%	79.20%	0.00%

All 323 Banks Regional stocks →

Texas Capital Bancshares, Inc. (TCBI) key facts

Strength: Texas Capital Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $2.0 billion, up 13.5% from fiscal 2024.
Texas Capital Bancshares, Inc. (TCBI) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, TCBI traded at $91.15, a market capitalization of $3.9 billion.
Texas Capital Bancshares, Inc. pays an annual dividend of $0.40 per share, a yield of 0.44%, with a payout ratio of 5.20%.
Return on equity was 9.78% and debt-to-equity 0.14.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.