Texas Capital Bancshares (TCBI) earnings

TEXAS CAPITAL BANCSHARES INC/TX· Financials

Results to: Sep 2026
Latest analysed call: Sep 2026 (Q3 FY26)
Balance sheet to: Dec 2025

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Texas Capital Bancshares earnings: last reported Wed, 21 Oct 2026, for the quarter ended Sep 2026.

Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

Metric	Value	Change	Basis	Period	Note
Revenue	Unavailable	—	Quarterly, as filed	Quarter to Sep 2026	Not in the filed figures for the quarter to sep 2026. No older figure is substituted.
Operating margin	Unavailable	—	Operating profit / revenue	Quarter to Sep 2026	Not in the filed figures for the quarter to sep 2026. No older figure is substituted.
Net profit	104 $ million	−1.4% YoY	Quarterly, as filed	Quarter to Sep 2026	Profit after tax as filed.

Source: Inve data from filed results (SEC filings) · to Sep 2026

Guidance

What management said, and what became of it

15 of 17 judged targets kept · 9 open · verdicts reflect calls analysed to Jun 2026.

TEXAS CAPITAL BANCSHARES INC/TX management guidance track record on Inve: 26 targets tracked across analysed earnings calls (15 achieved, 2 missed, 9 open).

Target	Original wording	Said	Latest call	Verdict
Mortgage finance portfolio migrated to enhanced credit structures - Q2 2026 checkpoint	Additional 5%-10% of funded mortgage loan balances over the next 2 quarters (approximately 64%-69% cumulative from the 59% base)	Dec 2025	Jun 2026:Enhanced credit structures now represent 69% of period-end mortgage finance balances, up from 67% in Q1 2026, resulting in a blended risk weight of 54% for the portfolio. Call transcript, Jun 2026 · no direct link	Achieved
Q2 2026 noninterest expense guide	Approximately $200 million	Mar 2026	Jun 2026:Adjusted noninterest expense of $202.8 million increased $13.9 million or 7% year-over-year, reflecting disciplined and sustained investment in frontline talent, along with capabilities to improve client experience and position us for continued scale. Call transcript, Jun 2026 · no direct link	Missed
Full-year 2026 noninterest revenue (fee income) guide	$265 million to $290 million	Dec 2025	Jun 2026:Full year noninterest revenue is expected to reach $270 million to $290 million, which is a modest increase in the lower end of the guidance. Call transcript, Jun 2026 · no direct link	Revised Up

Source: Inve Guidance Tracker for TEXAS CAPITAL BANCSHARES INC/TX · to Jun 2026

A verdict describes what became of management’s own words in later analysed calls. “Delayed” is a change of date, “went quiet” a target the calls stopped mentioning. None of it is a judgement on the investment. The methodology sets out how verdicts are recorded.

2 of TEXAS CAPITAL BANCSHARES INC/TX's 26 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 23 more targets are in the full ledger.

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Price

$91.06 +0.81% · +$0.73

Last close Oct 20, 2026 · US · USD · Source: Inve

Performance +15.4% 1Y

1Y: $78.89 on 17 Oct 2025 → $91.06. High $107.74 (16 Jul 2026), low $78.89 (17 Oct 2025).

Previous close: $90.33
52-week range: $81.58 – $107.74
One year: +11.62%

Overview

Symbol: TCBI
Sector: Financials
Exchange: US
Currency: USD

Guidance

What management said, and what became of it

15 of 17 judged targets kept · 9 open · verdicts reflect calls analysed to Jun 2026.

TEXAS CAPITAL BANCSHARES INC/TX management guidance track record on Inve: 26 targets tracked across analysed earnings calls (15 achieved, 2 missed, 9 open).

Target	Original wording	Said	Latest call	Verdict
Mortgage finance portfolio migrated to enhanced credit structures - Q2 2026 checkpoint	Additional 5%-10% of funded mortgage loan balances over the next 2 quarters (approximately 64%-69% cumulative from the 59% base)	Dec 2025	Jun 2026:Enhanced credit structures now represent 69% of period-end mortgage finance balances, up from 67% in Q1 2026, resulting in a blended risk weight of 54% for the portfolio. Call transcript, Jun 2026 · no direct link	Achieved
Q2 2026 noninterest expense guide	Approximately $200 million	Mar 2026	Jun 2026:Adjusted noninterest expense of $202.8 million increased $13.9 million or 7% year-over-year, reflecting disciplined and sustained investment in frontline talent, along with capabilities to improve client experience and position us for continued scale. Call transcript, Jun 2026 · no direct link	Missed
Full-year 2026 noninterest revenue (fee income) guide	$265 million to $290 million	Dec 2025	Jun 2026:Full year noninterest revenue is expected to reach $270 million to $290 million, which is a modest increase in the lower end of the guidance. Call transcript, Jun 2026 · no direct link	Revised Up

Source: Inve Guidance Tracker for TEXAS CAPITAL BANCSHARES INC/TX · to Jun 2026

The full ledger

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A free account opens 5 company ledgers a month. All 26 tracked commitments, with each call’s wording and source.

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Financials

What the filings say

Net profit, year on year: −1% (quarter to sep 2026 against sep 2025).

In $ million. Oldest period first.

Line item	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Profit before tax	94	60	102	138	132	94	112	136
Tax rate	24.1%	22.2%	24.3%	23.6%	23.9%	21.9%	24.1%	23.6%
Net profit	71	47	77	105	101	74	85	104
EPS ($ per share)	—	0.93	1.59	2.21	—	1.58	1.85	2.30

Source: Inve data · income statement, quarterly · to Sept 2026

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Equity capital	1	1	1	1	1	1	1	1
Reserves	1,361	1,664	1,713	1,948	2,264	2,435	2,496	2,809
Total liabilities	25,777	29,747	34,855	31,522	25,359	25,157	27,364	27,909
Fixed assets	24	31	25	21	26	32	85	88
Total assets	28,258	32,548	37,726	34,732	28,415	28,356	30,732	31,540

Source: Inve data · balance sheet · to Dec 2025

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from operations	-680	-240	2,640	657	148	374	480	360
Cash from investing	-1,993	-2,276	-2,935	1,233	3,309	-1,755	-2,478	-1,854
Cash from financing	2,847	3,862	5,076	-3,150	-6,391	-388	1,944	404
Capital expenditure	-8	-17	-3	-4	-11	-16	-65	-13
Free cash flow	-687	-257	2,637	653	137	357	415	348

Source: Inve data · cash flow · to Dec 2025

TCBI operating KPIs by quarter

TCBI operating KPIs stated on its earnings calls, by fiscal quarter
KPI	Mar 2026 Q1 FY26	Jun 2026 Q2 FY26	Sep 2026 Q3 FY26	Change vs prior quarter
Common equity tier 1 ratio (CET1)	11.99% Tangible common equity and tangible assets of 9.87% exceeds peer levels and CET1 of 11.99% remains well above our stated target of 11% and internally assessed risk profile. Source: earnings call transcript	12.07% Notable reductions in substandard loans mostly offset fluctuations in special mention, caused by capital-related pressures on previously discussed commercial real estate multifamily credits and macro-driven demand or operating margin pressure causing grade changes in C&I Capital ratios remained strong and well in excess of our internally assessed risk profile, with tangible common equity to tangible assets of 9.87% and CET1 of 12.07%. Source: earnings call transcript	12.2% With tangible common equity of tangible assets of 9.85% and a CET1 ratio of 12.2%, and Cash and securities remain in line with target levels at 22% of assets and the loan-to-deposit ratio is stable at 87%. Source: earnings call transcript	+0.1 pt
Net interest margin	3.43% Net interest margin expanded 24 basis points year-over-year to 3.43% the sixth consecutive quarter of year-over-year expansion and improved 5 basis points relative to the prior quarter. Source: earnings call transcript	—	3.44% Net interest margin improved 16 basis points linked quarter to 3.44% and remained slightly below the 3.47% reported in the third quarter of last year. Source: earnings call transcript	—
Assets under management (AUM)	$4.4B Wealth Management and trust fee income of $4.4 million also represented a record high, increasing 11% year-over-year, supported by assets under management of $4.4 billion, which increased 16% year-over-year from organic net inflows and favorable market conditions. Source: earnings call transcript	$4.8B Wealth Management and trust fee of $5.1 million increased 38% year-over-year as assets under management expanded 15% to $4.8 billion, treasury product fees at $12.5 million increased 8% year-over-year, driven by both sustained new client onboarding and our advisory-based approach, which continues to propel client adoption of our integrated platform. Source: earnings call transcript	$4.8B Wealth Management and trust fees of $4.6 million increased 14% year-over-year as assets under management expanded for the sixth consecutive quarter to $4.8 billion. Source: earnings call transcript	0%

Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.

Insider filings

88 filings between Oct 27, 2025 and Aug 19, 2026.

Open market

decisions to buy or sell

Purchases

$4.60M

24 purchases by 4 insiders

Sales

$10.57M

4 sales by 3 insiders

Compensation

not trading decisions

35: Option exercise — converted options into shares
23: Tax withheld — shares kept back by the company to cover tax

Also filed: 2 gifts.

Who traded

open market only

Insider	Bought	Sold	Last filing
Holmes Rob C	—	$10.01M	Jun 8, 2026
STALLINGS ROBERT W	$4.40M	—	Mar 6, 2026
Alvarado Anna M	—	$353.3K	Jun 9, 2026
Detrich Ellen	—	$204.6K	Jul 24, 2026
Whitley Laura L	$97.5K	—	Jan 26, 2026
Arbour Paola M	$91.5K	—	Mar 11, 2026
Scurlock John Matthew	$4.4K	—	Jun 15, 2026

Latest filings (50)

Date	Insider	What	Shares	Value
Aug 19, 2026	Alvarado Anna M Chief Legal Officer	Gift	51	$0
Jul 24, 2026	Detrich Ellen Controller	Sale	2,045	$204.6K
Jul 1, 2026	Oman David W Chief Risk Officer	Tax withheld	1,357	$141.9K
Jul 1, 2026	Oman David W Chief Risk Officer	Option exercise	2,748	$0
Jun 15, 2026	Scurlock John Matthew Chief Financial Officer	Purchase	44	$4.4K
Jun 9, 2026	Alvarado Anna M Chief Legal Officer	Sale	3,500	$353.3K
Jun 8, 2026	Holmes Rob C Chairman, President and CEO	Sale	49,500	$5.01M
Jun 5, 2026	Holmes Rob C Chairman, President and CEO	Sale	49,100	$5.00M
Apr 22, 2026	Clark Ranjana B Director	Option exercise	1,670	$0
Apr 22, 2026	Tremblay Dale W Director	Option exercise	1,670	$0
Apr 22, 2026	STALLINGS ROBERT W Director	Option exercise	1,670	$0
Apr 22, 2026	Long Thomas E Director	Option exercise	1,670	$0
Apr 22, 2026	ROSENBERG STEVE Director	Option exercise	1,670	$0
Apr 22, 2026	Ragusa Elysia Holt Director	Option exercise	1,670	$0
Apr 22, 2026	Midkiff Mark W Director	Option exercise	1,670	$0
Apr 22, 2026	Arbour Paola M Director	Option exercise	1,670	$0
Apr 22, 2026	Whitley Laura L Director	Option exercise	1,670	$0
Apr 22, 2026	Baliff Jonathan Director	Option exercise	1,670	$0
Apr 22, 2026	Huntley David S. Director	Option exercise	1,670	$0
Apr 21, 2026	Hyle Charles S Director	Option exercise	1,670	$0
Mar 11, 2026	Arbour Paola M Director	Purchase	1,000	$91.5K
Mar 6, 2026	STALLINGS ROBERT W Director	Purchase	5,500	$125.4K
Mar 5, 2026	STALLINGS ROBERT W Director	Purchase	20,000	$453.8K
Mar 4, 2026	STALLINGS ROBERT W Director	Purchase	15,000	$337.6K
Mar 3, 2026	STALLINGS ROBERT W Director	Purchase	30,000	$663.3K
Mar 2, 2026	STALLINGS ROBERT W Director	Purchase	20,000	$444.4K
Feb 27, 2026	STALLINGS ROBERT W Director	Purchase	3,330	$315.9K
Feb 27, 2026	STALLINGS ROBERT W Director	Purchase	5,000	$111.5K
Feb 24, 2026	STALLINGS ROBERT W Director	Purchase	20,000	$445.2K
Feb 23, 2026	STALLINGS ROBERT W Director	Purchase	20,000	$442.8K
Feb 20, 2026	Holmes Rob C Chairman, President and CEO	Tax withheld	1,446	$141.2K
Feb 20, 2026	Holmes Rob C Chairman, President and CEO	Option exercise	1,446	$0
Feb 18, 2026	STALLINGS ROBERT W Director	Purchase	2,000	$44.4K
Feb 17, 2026	STALLINGS ROBERT W Director	Purchase	8,000	$176.9K
Feb 13, 2026	Alvarado Anna M Chief Legal Officer	Option exercise	1,276	$0
Feb 13, 2026	Alvarado Anna M Chief Legal Officer	Tax withheld	503	$52.0K
Feb 13, 2026	Cummings John W Chief Administrative Officer	Tax withheld	579	$59.9K
Feb 13, 2026	Cummings John W Chief Administrative Officer	Option exercise	1,470	$0
Feb 13, 2026	Scurlock John Matthew Chief Financial Officer	Tax withheld	716	$74.0K
Feb 13, 2026	Scurlock John Matthew Chief Financial Officer	Option exercise	1,819	$0
Feb 13, 2026	Holmes Rob C Chairman, President and CEO	Tax withheld	3,540	$366.1K
Feb 13, 2026	Holmes Rob C Chairman, President and CEO	Option exercise	9,566	$0
Feb 9, 2026	Detrich Ellen Controller	Tax withheld	311	$32.5K
Feb 9, 2026	Detrich Ellen Controller	Option exercise	1,109	$0
Feb 9, 2026	Detrich Ellen Controller	Tax withheld	79	$8.3K
Feb 9, 2026	Detrich Ellen Controller	Option exercise	264	$0
Feb 9, 2026	Alvarado Anna M Chief Legal Officer	Tax withheld	1,072	$112.2K
Feb 9, 2026	Alvarado Anna M Chief Legal Officer	Option exercise	2,724	$0
Feb 9, 2026	Alvarado Anna M Chief Legal Officer	Tax withheld	457	$47.8K
Feb 9, 2026	Alvarado Anna M Chief Legal Officer	Option exercise	1,135	$0

Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.

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