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Texas Capital Bancshares (TCBI)
NASDAQ:TCBI
Earnings Data
Report Date
Jan 15, 2026After Close (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
1.79Last Year’s EPS
1.43Same Quarter Last Year
Moderate Sell
Based on 7 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call highlighted Texas Capital Bancshares' impressive financial performance and successful strategic transformation, with significant achievements in investment banking, credit quality, and treasury solutions. However, challenges remain in managing mortgage finance volatility and interest rate pressures.Company Guidance
Record Financial Performance
Texas Capital Bancshares reported record revenue of $340 million, record pre-provision net revenue of $150 million, record net income to common of $101 million, record earnings per share of $2.18, and record tangible book value per share of $73.02.
Strategic Transformation Success
The firm achieved a 1.3% return on average assets, surpassing the target of 1.1%. Tangible common equity to tangible assets reached an all-time high of 10.25%, with significant improvements in balance sheet resilience and scalability.
Investment Banking Expansion
The investment banking segment reported a record quarter, contributing significantly to revenue with broad client interactions and capabilities, and achieving a high volume of repeat business.
Improved Credit Quality
Criticized loans decreased by $108 million or 17% quarter-over-quarter, and $368 million or 41% year-over-year, with allowance for credit loss at $333 million or 1.79% of loans held for investment, excluding mortgage finance.
Treasury Solutions Growth
Treasury product fees increased by 91% over the past 4 years, demonstrating the firm's success in transforming its funding base and reducing reliance on high-cost deposits.
TCBI Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
TCBI Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Oct 23, 2025 | $84.52 | $85.45 | +1.10% |
Jul 17, 2025 | $85.65 | $89.47 | +4.46% |
Apr 17, 2025 | $65.15 | $66.03 | +1.35% |
Jan 23, 2025 | $80.56 | $76.95 | -4.48% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Texas Capital Bancshares (TCBI) report earnings?
Texas Capital Bancshares (TCBI) is schdueled to report earning on Jan 15, 2026, After Close (Confirmed).
What is Texas Capital Bancshares (TCBI) earnings time?
Texas Capital Bancshares (TCBI) earnings time is at Jan 15, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is TCBI EPS forecast?
TCBI EPS forecast for the fiscal quarter 2025 (Q4) is 1.79.