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Texas Capital Bancshares (TCBI)
NASDAQ:TCBI
Earnings Data
Report Date
Apr 16, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.41Last Year’s EPS
0.92Same Quarter Last Year
Based on 11 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call highlighted multiple record outcomes—revenue, PPNR, fee income, earnings, tangible book value—and clear progress on capital strength, client acquisition, and diversification of fee streams. Management balanced optimism about scaling front-office capabilities and continued revenue diversification with prudent conservatism on credit and provisioning. Near-term headwinds include isolated CRE multifamily stress, seasonal deposit and expense dynamics, and some margin timing effects, but these were presented as manageable within a substantially stronger and de-risked franchise.Company Guidance
Record Revenue and Earnings
Full-year adjusted total revenue of approximately $1.26 billion, up ~13% year-over-year; record adjusted net income to common of $313.8M (reported as $314M) and record adjusted EPS of $6.80, a ~53% improvement over adjusted 2024 levels.
Improved and Sustained Profitability Metrics
Full-year adjusted ROAA of 1.04% (a 30 basis point improvement vs. 2024) and Q4 adjusted ROAA of 1.2%; record adjusted pre-provision net revenue (PPNR) of $489M, up ~32% year-over-year.
Net Interest Income and Margin Strength
Full-year net interest income grew ~14% to ~$1.03 billion; year-over-year net interest margin expanded ~45 basis points. The firm demonstrated resilience to falling short-term rates while still delivering NII growth.
Fee Income and Diversification Progress
Record fee income and noninterest revenue: fee income from strategic areas of focus of $192M and total adjusted noninterest income of $229M (up ~8–9% year-over-year). Treasury product fees grew ~24% for the year; investment banking and trading volumes increased substantially (IB transaction volume +~40%, Texas Capital Securities volume +45%).
Strong Capital and Book Value Creation
Tangible book value per share reached $75.25, up ~13.4% year-over-year; tangible common equity to tangible assets a record ~10.56% (10.6% reported), ranking first among largest banks; CET1 ended the quarter at 12.1%, up ~75 basis points year-over-year.
Loan and Deposit Growth in Core Segments
Commercial loan growth of ~$1.1B (~10% year-over-year); total gross LHI increased ~$1.6B (~7% year-over-year to $24.1B); interest-bearing deposits excluding brokered and indexed increased ~$1.7B (~10% year-over-year).
Capital Deployment and Share Repurchases
Repurchased ~2.25M shares for ~$184M in 2025 (≈4.9% of prior-year shares outstanding), including Q4 buybacks (~1.4M shares for ~$125M), executed opportunistically and accretive to tangible book value.
Mortgage Finance Enhancements and Risk-Adjusted Returns
Average mortgage finance loans grew (~12% full-year; Q4 average $5.9B, +8% linked quarter). Approximately 59% of mortgage finance balances migrated to enhanced credit structures, lowering blended risk weight to ~57% and effectively creating >$275M of regulatory capital equivalence.
Operating Efficiency and Controlled Expense Growth
Full-year adjusted noninterest expense increased modestly (~4% to $768.9M) consistent with guidance; quarterly noninterest expense showed improvement (Q4 adjusted noninterest expense $186.4M, -2% linked quarter after accrual adjustments). 2026 expense guidance calls for mid-single-digit growth tied to targeted front-office hires and continued technology investment.
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 |
|---|---|---|---|
Jan 22, 2026 | $102.28 | $102.24 | -0.04% |
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% |
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 Apr 16, 2026, After Close (Confirmed).
What is Texas Capital Bancshares (TCBI) earnings time?
Texas Capital Bancshares (TCBI) earnings time is at Apr 16, 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 2026 (Q1) is 1.41.