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Texas Capital Bancshares TCBI Q4 2025 Annual earnings

Reported January 22, 2026 · Before market open

Revenue$327.5MBeat by $4.2M
EPS$2.08Beat by $0.30
Revenue estimate$323.3M
EPS estimate$1.78

Next report

Oct 21, 2026 (in 3 months)
Revenue estimate$339.1M
EPS estimate$1.91

Financials

Q4 2025

Income statement

See full
Revenue$327.5M+15.4%
Net income$100.7M+41.7%
EPS (diluted)$2.12+49.3%

Balance sheet

See full
Total debt$851.7M-3.8%
Total equity$3.6B+7.8%
Total assets$31.5B+2.6%

Cash flow

See full
Operating cash flow$130.5M+616%
CapEx--100%
Free cash flow$130.8M+1,109%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$4.13B+14.4%
Enterprise value$4.98B+10.8%
P/E12.5×-34.1×
P/S3.3×-0.6×

Profitability

See full
Net margin26.3%+18.0pp
FCF margin27.7%-16.9pp

Returns & leverage

See full
Return on equity9.4%+7.1pp
Debt / equity0.2×0.0×

FAQ

When did Texas Capital Bancshares report Q4 2025 earnings?
Texas Capital Bancshares (TCBI) reported Q4 2025 earnings on January 22, 2026 before market open.
What were Texas Capital Bancshares's Q4 2025 revenue and EPS?
Texas Capital Bancshares reported revenue of $327.5M and eps of $2.08 for Q4 2025.
Did Texas Capital Bancshares beat estimates in Q4 2025?
Revenue beat the consensus estimate of $323.3M by $4.2M. EPS beat the consensus estimate of $1.78 by $0.30.
How did Texas Capital Bancshares's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 15.4% from $283.7M a year earlier and eps grew 45.5% from $1.43.
Where can I find Texas Capital Bancshares's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001077428-26-000005) and the 10-K periodic report (0001077428-26-000010) directly on SEC EDGAR. The filing index links above go to sec.gov.