TCBITXSEState Commercial BanksFiscal year ends December 31Also trades as TCBI.PB
TEXAS CAPITAL BANCSHARES INC/TX
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Oct 22, 2026
$90.33−0.82 (-0.90%)
Close on Oct 19, 2026
- Market cap
- $3.98B
- P/E (TTM)
- 11.7
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
26.3%+20.0 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +34.7% | +0.8% | +3.6% | +7.6% | |
| Net income | +326.1% | -0.2% | +37.9% | +8.6% | |
| EPS, diluted | +430.5% | +3.2% | +43.4% | +8.8% | |
| Free cash flow | -16.3% | +36.5% | -33.3% | +18.5% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 8.6% | 2.3% | 9.4% | |
| Return on assets | 0.8% | 0.2% | 1.1% | |
| Capex to revenue | 0.3% | 0.3% | 1.0% | |
| Diluted shares | 47M | 51M | 46M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Texas Capital Bancshares generated $2.02B from operations and spent $596.87M on capital expenditure, dividends and share buybacks. 18% of that went back into the business.
Generated
$2.02B
Used
$596.87M
Capital expenditure$109.19M18%Dividends$00%Share buybacks$487.68M82%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin26.3%
×Asset turnover0.04×
×Equity multiplier8.90×
=Return on equity, FY20259.4%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 26.3% | 0.04× | 8.90× | 9.4% |
| FY2024 | 8.3% | 0.03× | 9.00× | 2.4% |
| FY2023 | 17.6% | 0.04× | 9.08× | 6.0% |
| FY2022 | 27.1% | 0.04× | 10.08× | 10.6% |
| FY2021 | 28.0% | 0.03× | 11.92× | 8.4% |
| FY2020 | 6.3% | 0.03× | 12.39× | 2.3% |
| FY2019 | 29.1% | 0.04× | 11.51× | 11.8% |
| FY2018 | 29.5% | 0.04× | 11.42× | 12.6% |
| FY2017 | 23.5% | 0.04× | 11.17× | 9.4% |
| FY2016 | 22.1% | 0.03× | 11.21× | 8.6% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
6of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$330.24M
- Cash generatingOperating cash flow above zero$360.15M
- Return on assets improvedROA up on the prior year0.3% → 1.1%
- Earnings backed by cashOperating cash flow above net income$360.15M vs $330.24M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise47M → 46M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.04