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.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 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 item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 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 item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 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
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.05 | 5.37 | 1.89 | 0.41 | 2.57 | 39.78 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 23.7% | 27.6% | 23.3% | 23.0% | 24.9% | 27.9% |
| Return on assets | 1.0% | 0.3% | 0.7% | 1.2% | 0.7% | 0.2% |
| Return on equity | 9.1% | 2.3% | 5.9% | 10.9% | 7.9% | 2.3% |
| Return on invested capital | 7.8% | 1.9% | 4.7% | 8.3% | 6.1% | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.17 | 0.20 | 0.27 | 0.30 | 0.29 | - |
| Debt / Assets | 0.02 | 0.02 | 0.03 | 0.03 | 0.03 | - |
| Debt / EBITDA | 1.28 | 4.09 | 2.99 | 1.95 | 2.15 | - |
| Interest coverage | - | - | 0.3x | 1.6x | 3.1x | 0.5x |
| Equity multiplier | 8.69 | 9.12 | 8.86 | 9.30 | 10.82 | 13.14 |
| Liabilities / Assets | 0.88 | 0.89 | 0.89 | 0.89 | 0.91 | 0.92 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 13.3x | 61.1x | 18.3x | 9.8x | 13.1x | 53.1x |
| P / B | 1.2x | 1.1x | 1.0x | 1.0x | 1.0x | 1.0x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 5.6x | 7.1x | 2.6x | -2.1x | -9.1x | 0.6x |
| 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
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-date | Per share |
|---|---|
| Jun 1, 2026 | $0.2000 |