TCBI
Texas Capital Bancshares, Inc.94.72
-1.38-1.44%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
FY Q3 '25
Q&A refines Q4 guide, capital stance
Q&A largely reaffirms the scripted transformation success and record Q3 results, adding granular Q4 guidance: NII at $255-260 million with NIM around 3.3%, noninterest expense near $195 million, and investment banking fees of $35-40 million amid growing repeatability from repeat clients and new ECM IPO activity. Management clarified capital priorities—organic growth and platform investments first, buybacks already executed, M&A now 'yellow' but accretive to TBVPS only. No walk-backs, just conservative macro posture. Credit stays strong, criticized loans down sharply. Investors watch IB fee durability. Execution rules now.
Key Stats
Market Cap
4.33BP/E (TTM)
15.55Basic EPS (TTM)
6.09Dividend Yield
0%Recent Filings
8-K
8-K
Strong YTD metrics, governance update
Texas Capital Bancshares furnished its 2025 Annual Governance Discussion Materials on November 3, highlighting YTD performance through 9/30/2025: adjusted diluted EPS of $4.73 (up $1.72 YoY), adjusted ROTCE of 9.1% (up 2.6%), deposits at $27.5B (up $1.6B), and CET1 at 12.14%. Q3 smashed records with ROAA of 1.30%, PPNR of $150mm. Governance stays responsive to investor feedback.
10-Q
Q3 FY2025 results
Texas Capital Bancshares swung to $105.2M net income in Q3 2025 ended September 30, crushing last year's $61.3M loss—thanks to no repeat of the $179.6M securities sale hit—and posted $2.18 diluted EPS on 46.2M shares. Net interest income climbed 13% y/y to $271.8M with NIM expanding to 3.47%, fueled by lower deposit costs despite softer loan yields, while non-interest income flipped positive on steady investment banking fees. Deposits hit $27.5B (up 9% y/y), cash equivalents $3.1B covers 11.8% of loans, short-term borrowings dropped to $275M federal funds from $885M FHLB, and long-term debt $620M after $40.5M payoff. Strong capital: CET1 12.14%. Loans grew steadily, but criticized balances signal credit watchfulness.
8-K
Record Q3 profits, loan growth
8-K
Q2 net income surges 95% YoY
IPO
Employees
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