The earnings call highlighted strong financial performance with significant increases in revenue, net income, and client acquisition. Record high tangible book value and treasury product fee growth were notable achievements. However, the increase in nonperforming loans and high deposit betas were areas of concern. Overall, the positive aspects significantly outweighed the lowlights.

Company Guidance -

Q3 2025

In the Texas Capital Bancshares, Inc. Q2 2025 earnings call, the company reported significant financial improvements and set ambitious future goals. Year-over-year, adjusted total revenue increased by 16%, while adjusted net income to common shares rose by 100%, and adjusted earnings per share climbed by 104%. The bank's adjusted return on average assets reached 1.02%, nearing its target of 1.1% for 2025. Commercial loans grew 5% quarter-over-quarter and 13% year-over-year, contributing to a tangible common equity to tangible assets ratio of 10.04% and a record high tangible book value per share of $70.14. Treasury product fees also hit a record high, with a 37% year-over-year increase. Despite a challenging capital markets environment, investment banking and trading income increased by 43% quarter-over-quarter and 4% year-over-year. The bank maintained its strong capital position, ending the quarter with a common equity tier 1 capital ratio of 11.45%. Looking ahead, Texas Capital Bancshares reaffirmed its full-year revenue growth guidance of low double-digit percentages, while reducing its noninterest expense outlook to mid- to high single-digit growth.

Strong Earnings Growth

Year-over-year quarterly earnings growth accelerated with adjusted total revenue increasing 16%, adjusted net income to common up 100%, adjusted earnings per share expanding 104%, and adjusted return on average assets of 1.02%.

Record High Tangible Book Value

Tangible book value per share reached an all-time high of $70.14, with the firm maintaining peer-leading capital ratios.

Significant Client Acquisition

New client acquisition led to a 5% increase in commercial loans linked quarter and 13% year-over-year, highlighting successful competition for holistic client relationships.

Treasury Product Fee Growth

Treasury product fees grew 37% year-over-year to a record high, demonstrating sustained success and commitment to becoming a premier payments bank.

Investment Banking and Trading Income Increase

Investment banking and trading income rose 43% quarter-over-quarter and 4% year-over-year, driven by a rebound in capital markets activity.

Strong Capital Management

The firm repurchased approximately 318,000 shares, maintaining a strong capital position with CET1 at 11.45%.

Texas Capital Bancshares (TCBI) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

TCBI Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 15, 2025	2025 (Q3)	1.76 / -	-1.41	―	―	―
Jul 17, 2025	2025 (Q2)	1.29 / 1.58	0.8	97.50% (+0.78)
Apr 17, 2025	2025 (Q1)	0.95 / 0.92	0.46	100.00% (+0.46)
Jan 23, 2025	2024 (Q4)	1.09 / 1.43	0.33	333.33% (+1.10)
Oct 17, 2024	2024 (Q3)	-1.98 / -1.41	1.18	-219.49% (-2.59)
Jul 18, 2024	2024 (Q2)	0.86 / 0.80	1.33	-39.85% (-0.53)
Apr 18, 2024	2024 (Q1)	0.58 / 0.46	0.7	-34.29% (-0.24)
Jan 18, 2024	2023 (Q4)	0.57 / 0.33	4.23	-92.20% (-3.90)
Oct 19, 2023	2023 (Q3)	1.01 / 1.18	0.74	59.46% (+0.44)
Jul 20, 2023	2023 (Q2)	0.95 / 1.33	0.59	125.42% (+0.74)

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
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%
Oct 17, 2024	$78.46	$80.54	+2.65%

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 Oct 15, 2025, After Close (Confirmed).

What is Texas Capital Bancshares (TCBI) earnings time?

Texas Capital Bancshares (TCBI) earnings time is at Oct 15, 2025, 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 (Q3) is 1.76.

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