Texas Capital Bancshares Inc (TCBI) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Texas Capital Bancshares reported revenue of $1.26B, up 34.7% from $932.3M the year before. Net income was $330.2M (a 26.3% net margin), or $6.79 per diluted share. Net interest income was $1.03B, and the efficiency ratio (noninterest expense / revenue) was 61.2%. Operating activities generated $360.2M of cash, leaving $347.6M of free cash flow. At fiscal year end, Texas Capital Bancshares held $31.54B in total assets against $27.91B in total liabilities.
Open the full interactive Texas Capital Bancshares financials → Quarterly statements, key ratios, valuation history and price charts.
Texas Capital Bancshares Key Stats
| Share Price | $89.65 |
|---|---|
| Market Cap | $3.95B |
| P/E Ratio | 13.2 |
| Revenue YoY Growth | +34.7% |
| 52-Week Range | $76.77 – $107.52 |
| Shares Outstanding | 43.6 million (basic, 2026 Q2) |
Texas Capital Bancshares Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $868.8M | $768.8M | $875.8M | $914.1M | $901.3M | $1.03B |
| Provision for Credit Losses | $258.0M | -$30.0M | $66.0M | $72.0M | $67.0M | $55.0M |
| Noninterest Income | $185.5M | $138.2M | $349.5M | $161.4M | $31.0M | $227.1M |
| Noninterest Expense | $704.4M | $599.0M | $727.5M | $756.9M | $758.3M | $768.1M |
| Revenue | $1.05B | $907.1M | $1.23B | $1.08B | $932.3M | $1.26B |
| Pre-Tax Income | $91.9M | $338.1M | $431.8M | $246.6M | $107.1M | $432.7M |
| Income Tax | $25.7M | $84.1M | $99.3M | $57.5M | $29.6M | $102.5M |
| Net Income | $66.3M | $253.9M | $332.5M | $189.1M | $77.5M | $330.2M |
| Diluted EPS | $1.12 | $4.60 | $6.18 | $3.54 | $1.28 | $6.79 |
Texas Capital Bancshares Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $340.4M | $327.5M | $324.0M | $335.5M |
| Net Income | $105.2M | $100.7M | $73.8M | $84.9M |
| Diluted EPS | $2.18 | $2.18 | $1.56 | $1.83 |
Texas Capital Bancshares Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $24.18B | $22.60B | $19.03B | $20.09B | $22.18B | $23.77B |
| Total Assets | $37.73B | $34.73B | $28.41B | $28.36B | $30.73B | $31.54B |
| Deposits | $31.00B | $28.11B | $22.86B | $22.37B | $25.24B | $26.45B |
| Total Long-Term Debt | $3.40B | $928.7M | $931.4M | $859.1M | $660.3M | $620.6M |
| Total Liabilities | $34.85B | $31.52B | $25.36B | $25.16B | $27.36B | $27.91B |
| Shareholders' Equity | $2.87B | $3.21B | $3.06B | $3.20B | $3.37B | $3.63B |
Texas Capital Bancshares Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $2.64B | $657.3M | $148.0M | $373.7M | $481.1M | $360.2M |
| Cash From Investing | -$2.94B | $1.23B | $3.31B | -$1.76B | -$2.48B | -$1.85B |
| Cash From Financing | $5.08B | -$3.15B | -$6.39B | -$387.7M | $1.94B | $404.3M |
| Free Cash Flow | $2.64B | $653.2M | $136.7M | $357.4M | $416.3M | $347.6M |
Figures from Texas Capital Bancshares' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Texas Capital Bancshares financials page for every line item.
Texas Capital Bancshares Company Profile
| Ticker | TCBI |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Dallas, Texas |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0001077428 |
Frequently Asked Questions
What was Texas Capital Bancshares' revenue in fiscal 2025?
Texas Capital Bancshares (TCBI) reported revenue of $1.26B for fiscal 2025.
What is Texas Capital Bancshares' annual revenue history?
Texas Capital Bancshares' annual revenue by fiscal year: 2020: $1.05B; 2021: $907.1M; 2022: $1.23B; 2023: $1.08B; 2024: $932.3M; 2025: $1.26B.
What was Texas Capital Bancshares' net income in fiscal 2025?
Texas Capital Bancshares reported net income of $330.2M for fiscal 2025.
What was Texas Capital Bancshares' earnings per share (EPS) in fiscal 2025?
Texas Capital Bancshares' diluted EPS was $6.79 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Texas Capital Bancshares generate in fiscal 2025?
Texas Capital Bancshares generated $347.6M of free cash flow in fiscal 2025.
What was Texas Capital Bancshares' revenue last quarter?
In its most recent reported quarter (2026 Q2), Texas Capital Bancshares reported revenue of $335.5M.
How much debt does Texas Capital Bancshares have?
Texas Capital Bancshares reported $620.6M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Texas Capital Bancshares are outstanding?
Texas Capital Bancshares reported a weighted average of 43.6 million basic shares outstanding in 2026 Q2.
What is Texas Capital Bancshares' market cap?
Based on its latest closing price, Texas Capital Bancshares (TCBI) has a market capitalization of about $3.95B.
When does Texas Capital Bancshares' fiscal year end?
Texas Capital Bancshares' fiscal year end, as registered with the SEC, is December 31.
Where is Texas Capital Bancshares headquartered?
Texas Capital Bancshares lists its business address in Dallas, Texas in its SEC filings.