Texas Capital Bancshares (TCBI)
NASDAQ:TCBI
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Earnings Data
Report Date
Jul 16, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
1.89Last Year’s EPS
1.58Same Quarter Last Year
Based on 7 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a broadly positive operational and financial picture: materially higher adjusted EPS, double‑digit revenue growth, record fee income across multiple businesses, rising tangible book value, strong capital ratios, and the initiation of a dividend. Headwinds are present but manageable — notably CRE paydowns and isolated workout credits, mortgage finance funding mix and seasonal NII pressure, and modest expense inflation tied to strategic investments. Management communicated disciplined capital allocation, confidence in earnings momentum, and unchanged full‑year guidance, supporting a constructive outlook.Company Guidance
Strong Earnings and EPS Growth
Adjusted EPS increased 72% year‑over‑year to $1.58 and GAAP EPS rose ~70% to $1.56, driven by broad revenue strength and share repurchases.
Revenue Expansion and Mix Shift
Total revenue rose 16% year‑over‑year to $324 million; noninterest revenue grew 56% YoY and now comprises 21% of total revenue (up from 16% a year ago), reflecting successful diversification toward fee income.
Record Fee Income in Focus Areas
Fee income from target areas increased 59% YoY to a record $58.8 million; investment banking fees were $42.3 million (+89% YoY), treasury product fees $12.1 million (+14% YoY), and wealth & trust fees $4.4 million (+11% YoY).
Improving Core Margin and Net Interest Income
Net interest income grew 8% YoY to $254.7 million; net interest margin expanded 24 basis points YoY to 3.43% (sixth consecutive YoY expansion).
Pre‑Provision Operating Leverage
Adjusted pre‑provision net revenue (PPNR) increased 44% YoY to $111.8 million, demonstrating positive operating leverage as revenue growth outpaced expense growth.
Loan and Deposit Growth
Total loans (LHI) rose 13% YoY to $25.2 billion; commercial loans increased 10% YoY to $12.5 billion (ninth consecutive quarter of commercial loan growth). Total deposits grew 9% YoY to $28.5 billion.
Capital Strength and Shareholder Returns
Tangible book value per share reached a record $75.67 (+11% YoY). CET1 ratio was 11.99% (above 11% target) and tangible common equity/tangible assets was 9.87%. Management repurchased ~$75 million of shares in Q1 and initiated a quarterly common stock dividend of $0.20 per share.
Mortgage Finance Restructuring and Improved Capital Efficiency
Mortgage finance average loans increased 32% YoY to $5.2 billion and period‑end balances rose to $7.0 billion; 67% of period‑end mortgage finance balances are in enhanced credit structures (up from 59% in Q4), improving blended risk weight to 53% and releasing capital.
Clear Forward Guidance and Discipline
Full‑year outlook unchanged: mid‑ to high‑single‑digit total revenue growth, full‑year noninterest revenue $265M–$290M, mid‑single‑digit noninterest expense growth, and provision guidance of 35–40 bps of average LHI (ex‑mortgage finance).
Technology and AI Investment
Continued targeted tech investments (capitalized projects and AI initiatives) to drive new revenue and efficiencies, with described internal AI platform adoption and process automation plans.
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 |
|---|---|---|---|
Apr 23, 2026 | $102.54 | $103.58 | +1.01% |
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% |
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 Jul 16, 2026, After Close (Confirmed).
What is Texas Capital Bancshares (TCBI) earnings time?
Texas Capital Bancshares (TCBI) earnings time is at Jul 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 (Q2) is 1.89.