The earnings call presented a strong performance with significant revenue growth, improved net interest margin, and record-high tangible book value. However, challenges remain with increased provision expenses and higher non-performing loans. Despite these challenges, the overall outlook is positive with continued client acquisition and investment in growth areas.

Company Guidance

During the Texas Capital Bancshares Q2 2025 earnings call, the company reported robust growth, underscored by a 16% increase in adjusted total revenue year-over-year and a 100% rise in adjusted net income to common. Adjusted earnings per share expanded by 104%, while adjusted return on average assets reached 1.02%, nearing the 2025 target of 1.1%. The firm saw a 13% annual increase in commercial loans and a 37% rise in treasury product fees year-over-year. Tangible common equity to tangible assets stood at 10.04%, with a tangible book value per share at an all-time high of $70.14. In the investment banking sector, trading income surged 43% quarter-over-quarter, with a 34% rise in average mortgage finance loans linked quarter. The firm's allowance for credit loss increased to $334 million, and the CET1 ratio finished at 11.45%. Texas Capital Bancshares reaffirmed its revenue guidance for low double-digit percent growth while decreasing its noninterest expense outlook to mid- to high single-digit percent growth, emphasizing its strong financial position and strategic focus on client-centric growth.

Significant Revenue and Earnings Growth

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

Record-High Tangible Book Value

Tangible book value per share reached an all-time high of $70.14.

Treasury Product Fees Surge

Treasury product fees increased 37% year-over-year to a record high, demonstrating sustainability and commitment to being a premier payments bank.

Improvement in Net Interest Margin

Net interest margin increased by 16 basis points linked quarter, supported by a 17% growth in net interest income.

Investment Banking and Trading Income Growth

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

Strong Capital Ratios and Client Acquisition

Tangible common equity to tangible assets finished the quarter at 10.04%, with commercial loans growing 5% linked quarter and 13% year-over-year.

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

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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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