CoverageForm 410-K10-Q8-K13D13G13F

TCBI · Texas Capital Bancshares Inc/Tx - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · TCBI

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue------
Cost of Revenue------
Gross Profit------
R&D------
SG&A------
Total Operating Expenses------
D&A$52.17M$54.23M$40.47M$45.28M$93.41M$74.92M
Operating Income$432.71M$107.06M$246.59M$431.75M$338.06M$91.95M
Interest Expense--$715.80M$268.48M$107.75M$188.09M
Income Tax$102.47M$29.55M$57.45M$99.28M$84.12M$25.66M
Net Income$330.24M$77.51M$189.14M$332.48M$253.94M$66.29M
EPS - Basic$6.86$1.29$3.58$6.25$4.65$1.12
EPS - Diluted$6.79$1.28$3.54$6.18$4.60$1.12

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash & Equivalents$2.10B$3.19B$3.24B$5.01B$7.95B$2.91B
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets------
Total Assets$31.54B$30.73B$28.36B$28.41B$34.73B$37.73B
Current Liabilities------
Long-term Debt$620.58M$660.35M$859.15M$931.44M$928.74M-
Total Liabilities$27.91B$27.36B$25.16B$25.36B$31.52B$34.85B
Stockholders' Equity$3.63B$3.37B$3.20B$3.06B$3.21B$2.87B
Retained Earnings$2.81B$2.50B$2.44B$2.26B$1.95B$1.71B

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Operating Cash Flow$360.15M$481.12M$373.74M$147.97M$657.32M$2.64B
Investing Cash Flow($1.85B)($2.48B)($1.76B)$3.31B$1.23B($2.94B)
Financing Cash Flow$404.27M$1.94B($387.67M)($6.39B)($3.15B)$5.08B
CapEx$12.57M$64.84M$16.38M$11.27M$4.13M$2.80M
Free Cash Flow$347.58M$416.28M$357.36M$136.70M$653.19M$2.64B

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin------
EBITDA margin------
Net margin------
Free cash flow margin------
FCF / Net income1.055.371.890.412.5739.78
R&D / Revenue------
SG&A / Revenue------
Effective tax rate23.7%27.6%23.3%23.0%24.9%27.9%
Return on assets1.0%0.3%0.7%1.2%0.7%0.2%
Return on equity9.1%2.3%5.9%10.9%7.9%2.3%
Return on invested capital7.8%1.9%4.7%8.3%6.1%-
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity0.170.200.270.300.29-
Debt / Assets0.020.020.030.030.03-
Debt / EBITDA1.284.092.991.952.15-
Interest coverage--0.3x1.6x3.1x0.5x
Equity multiplier8.699.128.869.3010.8213.14
Liabilities / Assets0.880.890.890.890.910.92
Efficiency
Asset turnover------
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E13.3x61.1x18.3x9.8x13.1x53.1x
P / B1.2x1.1x1.0x1.0x1.0x1.0x
P / S------
EV / EBITDA5.6x7.1x2.6x-2.1x-9.1x0.6x
Growth
Revenue growth (YoY)------
Revenue CAGR (3y)------
Revenue CAGR (5y)------
Gross profit growth (YoY)------
Operating income growth (YoY)304.2%-56.6%-42.9%27.7%267.7%-77.4%
Net income growth (YoY)326.1%-59.0%-43.1%30.9%283.1%-79.5%
EPS growth (YoY)430.5%-63.8%-42.7%34.3%310.7%-82.0%
EPS CAGR (3y)3.2%-34.7%46.8%-0.2%-7.4%-33.0%
EPS CAGR (5y)43.4%-27.1%-9.4%10.6%8.1%-17.4%
FCF growth (YoY)-16.5%16.5%161.4%-79.1%-75.2%-
FCF CAGR (5y)-33.3%--2.7%-110.4%
Book value growth (YoY)7.8%5.3%4.7%-4.8%11.8%1.4%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

6/9
Neutral
  • Net income positive
  • Operating cash flow positive
  • ROA improved YoY
  • Cash flow > net income
  • Long-term debt decreased
  • -Current ratio improved
  • No share dilution
  • -Gross margin improved
  • -Asset turnover improved

Peer comparison

Same SIC group: State Commercial Banks

CompanyRevenue (last FY)Net marginROE
ASB--9.5%
CZNC$5.98M392.0%6.9%
CBSH--14.9%
SBSI--8.2%
BUSE$719.58M18.8%5.5%

Comparing TEXAS CAPITAL BANCSHARES INC/TX against the 5 most active filers in the same SIC group.

Dividends

$0.20/share trailing 12 months

Ex-datePer share
Jun 1, 2026$0.2000