Texas Capital Bancshares (NASDAQ:TCBI) Announces Quarterly Earnings Results, Beats Estimates By $0.01 EPS

Texas Capital Bancshares (NASDAQ:TCBI) released its quarterly earnings data on Wednesday. The bank reported $1.88 earnings per share for the quarter, beating analysts’ consensus estimates of $1.87 by $0.01, FiscalAI reports. Texas Capital Bancshares had a net margin of 17.71% and a return on equity of 10.76%. The business had revenue of $335.50 million during the quarter, compared to analyst estimates of $333.37 million. During the same period in the previous year, the business earned $1.63 EPS. Texas Capital Bancshares’s revenue was up 9.1% compared to the same quarter last year.

Here are the key takeaways from Texas Capital Bancshares’ conference call:

• Adjusted EPS rose 15% year over year to $1.88, while adjusted total revenue increased 8% on the back of record fee income in wealth management, treasury products, and investment banking.
• Fee-based businesses continued to scale, with non-interest income up 39% year over year to $75.1 million and now representing 22% of total revenue, up from 18% a year ago.
• Commercial loan growth remained strong, with C&I loans up 10% year over year and the tenth consecutive quarter of growth, though CRE balances remain under pressure and management expects full-year CRE balances to decline about 12%.
• Capital and balance sheet metrics stayed robust, including CET1 of 12.07%, tangible book value per share up 10% to a record $76.98, and an active share repurchase program alongside the first common dividend.
• Management guided for a softer Q3 margin into the low-to-mid 3.20% range due to seasonal mortgage finance funding costs, but said Q3 should mark the low point for 2026 before margin improves in Q4.

Texas Capital Bancshares Trading Down 0.7%

Shares of TCBI stock opened at $102.91 on Thursday. The business has a 50-day moving average price of $101.23 and a two-hundred day moving average price of $99.46. Texas Capital Bancshares has a 12-month low of $75.41 and a 12-month high of $108.92. The company has a quick ratio of 1.01, a current ratio of 1.01 and a debt-to-equity ratio of 0.27. The firm has a market cap of $4.49 billion, a P/E ratio of 13.83, a price-to-earnings-growth ratio of 1.49 and a beta of 0.67.

Texas Capital Bancshares Dividend Announcement

The company also recently declared a quarterly dividend, which will be paid on Tuesday, September 15th. Shareholders of record on Tuesday, September 1st will be paid a dividend of $0.20 per share. The ex-dividend date of this dividend is Tuesday, September 1st. This represents a $0.80 annualized dividend and a yield of 0.8%. Texas Capital Bancshares’s payout ratio is 10.75%.

Insider Buying and Selling

In other Texas Capital Bancshares news, insider Anna M. Alvarado sold 3,500 shares of the company’s stock in a transaction that occurred on Tuesday, June 9th. The stock was sold at an average price of $100.95, for a total value of $353,325.00. Following the completion of the sale, the insider owned 23,810 shares of the company’s stock, valued at $2,403,619.50. This represents a 12.82% decrease in their ownership of the stock. The sale was disclosed in a filing with the Securities & Exchange Commission, which is available through the SEC website. Also, CEO Rob C. Holmes sold 49,500 shares of the company’s stock in a transaction on Monday, June 8th. The shares were sold at an average price of $101.22, for a total transaction of $5,010,390.00. Following the completion of the sale, the chief executive officer directly owned 167,635 shares of the company’s stock, valued at $16,968,014.70. This trade represents a 22.80% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. Insiders sold a total of 102,100 shares of company stock valued at $10,366,023 in the last 90 days. 1.91% of the stock is currently owned by corporate insiders.

Institutional Trading of Texas Capital Bancshares

Several large investors have recently bought and sold shares of TCBI. AQR Capital Management LLC boosted its stake in Texas Capital Bancshares by 25.1% in the 3rd quarter. AQR Capital Management LLC now owns 1,919,194 shares of the bank’s stock worth $162,229,000 after purchasing an additional 384,748 shares in the last quarter. Balyasny Asset Management L.P. raised its holdings in Texas Capital Bancshares by 2,707.2% in the third quarter. Balyasny Asset Management L.P. now owns 348,936 shares of the bank’s stock worth $29,496,000 after buying an additional 336,506 shares during the last quarter. Alyeska Investment Group L.P. bought a new position in shares of Texas Capital Bancshares in the fourth quarter worth approximately $23,174,000. UBS Group AG grew its holdings in shares of Texas Capital Bancshares by 56.8% during the third quarter. UBS Group AG now owns 403,692 shares of the bank’s stock valued at $34,124,000 after buying an additional 146,181 shares during the last quarter. Finally, Ameriprise Financial Inc. increased its position in shares of Texas Capital Bancshares by 49.7% during the third quarter. Ameriprise Financial Inc. now owns 397,927 shares of the bank’s stock valued at $33,636,000 after acquiring an additional 132,127 shares in the last quarter. 96.88% of the stock is owned by institutional investors.

Analyst Ratings Changes

A number of equities analysts have recently commented on TCBI shares. Royal Bank Of Canada raised their price target on Texas Capital Bancshares from $110.00 to $114.00 and gave the stock a “sector perform” rating in a report on Friday, April 24th. Piper Sandler raised their target price on Texas Capital Bancshares from $96.00 to $100.00 and gave the stock a “neutral” rating in a research note on Friday, April 24th. Weiss Ratings reiterated a “buy (b)” rating on shares of Texas Capital Bancshares in a research report on Monday, July 6th. JPMorgan Chase & Co. raised their price objective on shares of Texas Capital Bancshares from $105.00 to $110.00 and gave the company an “underweight” rating in a research report on Wednesday, July 1st. Finally, Zacks Research lowered shares of Texas Capital Bancshares from a “strong-buy” rating to a “hold” rating in a report on Monday, March 30th. Four analysts have rated the stock with a Buy rating, seven have assigned a Hold rating and two have given a Sell rating to the company’s stock. According to data from MarketBeat.com, the company has a consensus rating of “Hold” and an average price target of $106.17.

More Texas Capital Bancshares News

Here are the key news stories impacting Texas Capital Bancshares this week:

• Positive Sentiment: Texas Capital Bancshares reported Q2 2026 EPS of $1.88, edging past analyst estimates and improving from $1.63 a year ago, signaling stronger earnings momentum. Article Title
• Positive Sentiment: Revenue came in at $335.5 million, above consensus estimates and up 9.1% year over year, which suggests healthy top-line growth for the bank. Article Title
• Positive Sentiment: Net income available to common stockholders rose 10% year over year to $80.6 million, reinforcing the view that Texas Capital’s profitability is improving. Article Title
• Neutral Sentiment: Several follow-up transcript and recap articles focused on the same earnings call, suggesting investors are still parsing management commentary for forward guidance and credit-quality trends. Article Title

Texas Capital Bancshares Company Profile

Texas Capital Bancshares, Inc is a bank holding company headquartered in Dallas, Texas, operating through its wholly owned subsidiary, Texas Capital Bank. The company specializes in providing commercial banking services to middle-market companies, entrepreneurs, professional service firms, real estate developers, and not-for-profit organizations. Its broad range of offerings includes commercial lending, treasury and cash management, real estate finance, equipment finance, and energy lending, all designed to address the unique financial needs of businesses navigating growth and market challenges.

In addition to its core commercial banking capabilities, Texas Capital Bancshares delivers private banking and wealth management services for business owners and high-net-worth individuals.