Texas Capital Bancshares, Inc. logo TCBI - Texas Capital Bancshares, Inc.

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
0
BUY 10
HOLD 24
SELL 5
STRONG
SELL
0
| PRICE TARGET: $106.17 DETAILS
HIGH: $114.00
LOW: $100.00
MEDIAN: $104.50
CONSENSUS: $106.17
UPSIDE: 5.95%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999
Revenue
Revenue 1,998.9 1,760.6 1,791.3 1,245.2 987.0 1,177.8 1,435.2 1,227.3 938.0 762.5 650.7 557.1 488.6 441.5 353.8 312.1 272.4 271.4 309.9 254.2 172.0 118.0 96.4 78.8 47.3 41.0 9.2
Cost of Revenue 787.1 895.2 787.8 334.5 77.7 446.1 460.6 336.3 162.0 140.6 99.7 59.6 44.1 33.1 47.2 91.6 90.0 123.9 163.5 123.3 65.3 37.7 36.4 33.5 41.3 39.1 8.9
Gross Profit 1,211.8 865.3 1,003.5 910.8 909.3 731.7 974.6 891.0 776.1 621.9 551.0 497.5 444.5 408.4 306.7 220.4 182.5 147.5 146.4 130.9 106.7 80.4 60.0 45.2 6.0 2.0 0.4
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 513.3 512.3 522.3 483.5 381.2 390.1 446.8 394.6 345.5 296.3 247.8 214.6 195.8 151.6 128.8 108.4 91.4 67.5 59.6 53.7 41.9 31.8 24.4 18.0 15.0 4.2 2.1
Other Expenses 254.8 246.0 234.6 (4.5) 190.0 249.7 131.5 123.0 104.8 84.4 78.8 70.5 61.0 68.2 59.4 55.1 54.1 42.2 39.0 33.2 24.3 18.6 24.0 17.4 (14.9) 14.3 7.5
Operating Expenses 768.1 758.3 756.9 479.0 571.2 639.8 578.3 517.6 450.4 380.7 326.5 285.1 256.7 219.9 188.2 163.5 145.5 109.7 98.6 86.9 66.1 50.4 48.4 35.4 0.1 18.5 9.7
Operating Income
Operating Income 443.7 107.1 246.6 431.8 338.1 91.9 396.3 373.4 325.7 241.2 224.5 212.4 187.8 188.5 118.3 56.8 36.7 37.8 47.8 44.0 40.6 30.0 11.6 9.9 5.8 (16.5) (9.3)
Interest Expense 743.1 828.2 715.8 268.5 107.7 188.1 385.6 249.3 118.0 63.6 46.4 37.6 25.1 21.6 18.7 38.1 46.5 97.2 149.5 119.6 65.3 36.1 32.3 27.9 35.5 32.9 6.2
Interest Income 1,771.8 1,729.5 1,629.9 1,144.2 876.6 1,039.4 1,354.8 1,164.2 879.3 703.4 603.0 514.5 444.6 398.5 321.6 279.8 243.2 248.9 290.2 237.5 159.5 107.8 85.5 70.1 70.6 55.8 14.4
Profitability
EBITDA 480.0 161.3 287.1 477.0 431.5 166.9 433.6 405.4 353.6 263.0 241.0 227.2 199.3 198.0 127.6 63.8 44.7 45.5 55.4 50.7 44.8 35.9 22.6 14.3 7.8 (14.9) (8.6)
EBIT 443.7 107.1 246.6 431.8 338.1 91.9 396.3 373.4 325.7 241.2 224.5 212.4 187.8 188.6 118.5 56.9 36.9 37.8 47.8 43.9 40.6 30.0 11.6 9.9 5.8 (16.5) (9.3)
Income Before Tax 432.7 107.1 246.6 431.8 338.1 91.9 396.3 373.4 325.7 241.2 224.5 212.4 187.8 188.6 118.5 56.9 36.9 37.8 47.8 44.2 40.6 30.0 11.6 9.9 5.8 (16.5) (9.3)
Income Tax Expense 102.5 29.6 57.5 99.3 84.1 25.7 84.3 80.0 128.6 86.1 79.6 76.0 66.8 67.9 42.4 19.6 12.5 12.9 16.4 15.1 13.8 10.0 (2.2) 2.5 0 0 0
Net Income 330.2 77.5 189.1 332.5 253.9 66.3 312.0 293.4 197.1 155.1 144.9 136.4 121.1 120.7 76.0 37.2 24.2 24.3 29.4 28.9 27.2 20.4 13.8 7.3 5.8 (16.5) (9.3)
Per Share Data
EPS (Basic) 6.87 1.29 3.58 6.25 4.65 1.12 6.23 5.83 3.78 3.14 2.95 2.93 2.78 3.09 2.03 1.02 0.55 0.87 1.12 1.11 1.06 0.81 0.62 0.33 0.31 -1.89 -1.23
EPS (Diluted) 6.80 1.28 3.54 6.18 4.60 1.12 6.21 5.79 3.73 3.11 2.91 2.88 2.72 3.00 1.98 1.00 0.55 0.87 1.10 1.09 1.02 0.77 0.60 0.32 0.30 -1.89 -1.23
Shares Outstanding 45.0 46.6 48.0 50.5 50.6 50.4 50.3 49.9 49.6 46.3 45.8 43.2 40.9 39.1 37.3 36.6 34.1 28.0 26.3 26.1 25.7 25.2 21.2 18.9 18.8 8.7 7.6
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999
Current Assets
Cash & Cash Equivalents 2,099.1 3,188.8 3,242.8 5,012.3 7,946.7 9,206.4 4,395.6 3,029.9 2,875.6 2,814.4 80.5 77.9 78.5 69.6 88.7 56.6 60.3 8.5
Short-Term Investments 3.9 182.9 3,225.9 2,615.6 3,538.2 3,197.0 239.9 120.2 23.5 24.9 0 0 0 0 0 0 0 0
Net Receivables 0 0 801.7 719.2 559.9 715.7 740.1 626.6 516.2 465.9 202.9 184.2 56.7 49.0 41.9 0 0 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 2,103.0 3,371.7 7,270.4 8,347.1 12,090.4 13,119.0 5,375.5 3,776.7 3,415.3 3,305.2 283.3 262.1 135.2 118.5 130.7 56.6 60.3 8.5
Non-Current Assets
Property, Plant & Equipment 88.0 85.4 32.4 26.4 20.9 24.5 31.2 23.8 25.2 19.8 11.2 9.5 4.5 4.7 3.8 5.0 6.1 4.4
Goodwill 1.5 1.5 1.5 1.5 15.1 15.1 15.1 15.1 15.1 15.1 0 184.2 1.5 1.5 41.9 1.5 1.6 1.7
Intangible Assets 0 0 0 0 2.2 108.0 67.9 46.0 89.3 33.0 202.9 0 0 0 0 0 0 0
Long-Term Investments 28,493.2 26,391.6 21,052.0 20,039.7 22,648.8 24,459.4 27,028.3 24,346.0 21,500.8 18,299.2 5,349.6 4,858.3 2,470.0 2,068.2 1,657.3 1,092.0 830.3 389.2
Other Non-Current Assets 854.6 881.7 0 0 0 0 30 50.2 30 25 45.0 4.1 0 0 0 9.7 10.1 4.7
Total Non-Current Assets 29,437.2 27,360.2 21,085.9 20,067.6 22,687.0 24,607.0 27,172.6 24,481.1 21,660.3 18,392.0 5,415.6 4,879.6 2,476.0 2,074.3 1,662.6 1,108.2 848.1 400.0
Total Assets 31,540.3 30,731.9 28,356.3 28,414.6 34,731.7 37,726.1 32,548.1 28,257.8 25,075.6 21,697.1 5,698.9 5,140.2 2,611.2 2,192.9 1,793.3 1,164.8 908.4 408.6
Current Liabilities
Account Payables 6.7 23.7 33.2 24 7.7 11.2 12.8 20.7 7.7 5.5 2.5 6.4 3.5 3.5 3.8 0 0 0
Short-Term Debt 330 885 1,500 1,201.1 2,202.8 111.8 141.8 641.2 365.0 109.6 957.0 1,240.6 595.0 545.8 449.5 153.7 11.5 46.3
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 26,448.8 25,238.6 22,371.8 22,856.9 28,109.4 30,996.6 26,478.6 20,606.1 19,123.2 17,016.8 4,120.7 3,333.2 1,789.9 1,445.0 1,196.5 886.1 794.9 287.1
Total Current Liabilities 26,785.5 26,147.3 23,905.1 24,082.0 30,319.9 31,119.5 26,633.1 21,268.0 19,495.9 17,131.9 5,080.2 4,580.2 2,388.4 1,994.3 1,649.8 1,039.8 806.4 333.3
Non-Current Liabilities
Long-Term Debt 620.6 660.3 859.1 931.4 928.7 3,395.9 2,795.5 4,295.2 3,194.8 2,394.4 113.4 40 20.6 20.6 10 9.9 7.1 0
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 502.8 556.3 392.9 345.8 273.5 339.5 318.1 194.2 182.2 161.2 23.9 134.4 6.9 6.2 8.5 8.7 8.8 2.3
Total Non-Current Liabilities 1,123.4 1,216.7 1,252.1 1,277.3 1,202.2 3,735.4 3,113.6 4,489.4 3,377.0 2,555.7 137.3 174.4 27.5 26.9 18.5 18.7 15.8 2.3
Total Liabilities 27,908.9 27,363.9 25,157.1 25,359.3 31,522.1 34,854.9 29,715.8 25,757.4 22,872.9 19,687.6 5,217.5 4,753.1 2,415.9 2,021.1 1,668.3 1,058.4 822.2 335.7
Stockholders' Equity
Common Stock 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.4 0.3 0.3 0.2 0.2 0.2 0.1 0.1
Retained Earnings 2,808.6 2,495.7 2,435.4 2,263.5 1,948.3 1,713.1 1,663.7 1,381.5 1,090.5 903.2 148.6 129.9 20.0 0.5 (13.3) (20.7) (26.5) (10.0)
Accumulated Other Comprehensive Income (64.6) (183.1) (362.0) (418.9) (47.7) 15.8 8.9 0.5 0.4 0.4 6.2 1.9 3.2 3.8 6.9 0.1 0.1 (2.9)
Total Stockholders' Equity 3,631.4 3,367.9 3,199.1 3,055.4 3,209.6 2,871.2 2,801.3 2,500.4 2,202.7 2,009.6 481.4 387.1 195.3 171.8 125.0 106.4 86.2 72.9
Total Liabilities & Equity 31,540.3 30,731.9 28,356.3 28,414.6 34,731.7 37,726.1 32,548.1 28,257.8 25,075.6 21,697.1 5,698.9 5,140.2 2,611.2 2,192.9 1,793.3 1,164.8 908.4 408.6
Debt Metrics
Total Debt 950.6 1,545.3 2,359.1 2,132.6 3,128.7 3,507.6 2,937.3 4,936.3 3,559.9 2,504.0 1,070.4 1,280.6 615.6 566.4 459.5 163.6 18.6 46.3
Net Debt (1,148.5) (1,643.5) (883.7) (2,879.7) (4,815.1) (5,698.7) (1,458.3) 1,906.5 684.3 (310.3) 990.0 1,202.7 537.1 496.8 370.7 107.0 (41.7) 37.7
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999
Operating Activities
Net Income 330.2 77.5 189.1 332.5 253.9 66.3 312.0 293.4 197.1 155.1 27.2 19.6 13.8 7.3 5.9 (16.5) (9.3)
Depreciation & Amortization 52.2 54.2 40.5 45.3 93.4 74.9 37.3 32.0 27.9 21.8 4.2 5.9 10.9 4.4 1.9 1.6 0.7
Stock-Based Compensation 36.8 24.7 24.2 21.4 31.3 17.4 17.6 16.9 22.0 13.6 0 0 0 0 0 0 0
Change in Working Capital (126.7) 37.3 (49.5) (23.0) 84.0 16.4 (44.8) (121.1) (95.4) (64.4) 7.7 (64.7) 1.5 (6.4) 0.4 1.0 (2.1)
Other Non-Cash Items 51.8 303.5 187.2 (210.9) 214.9 2,472.8 (573.1) (894.5) (50.6) (849.5) 3.2 23.4 28.9 (68.8) (38.2) 5.7 2.6
Operating Cash Flow 360.2 481.1 373.7 148.0 657.3 2,639.9 (240.2) (679.7) 132.2 (726.3) 41.8 (16.2) 55.2 (63.4) (30.0) (8.2) (8.0)
Investing Activities
Capital Expenditure (12.6) (64.8) (16.4) (11.3) (4.1) (2.8) (16.7) (7.7) (12.3) (2.2) (3.6) (1.0) (2.1) (0.2) (0.6) (3.2) (4.6)
Acquisitions 0 0 0 3,324.2 0 0 0 0 0 0 (11.3) 0 0 (25) 0 0 0
Purchases of Investments (3.9) (2,016.9) (863.7) (920.2) (1,059.9) (3,001.7) (113.2) (101.6) (97.8) (1.8) (17.4) (239.1) (652.6) (485.9) (259.6) (174.3) (409.2)
Sales/Maturities of Investments 833.0 1,768.9 355.7 531.8 569.9 52.6 6.2 3.4 99.2 6.4 172.7 204.4 416.6 148.3 142.2 110.5 24.7
Other Investing Activities (2,683.2) (2,166.2) (1,231.1) 384.1 1,726.9 16.6 (2,152.5) (1,887.0) (3,204.9) (852.7) (526.4) (336.6) (226.2) (152.6) (106.3) (380.2) 3.7
Investing Cash Flow (1,854.1) (2,479.1) (1,755.5) 3,308.6 1,232.8 (2,935.3) (2,276.2) (1,992.7) (3,215.7) (850.2) (386.0) (372.2) (464.3) (515.5) (224.3) (447.2) (385.5)
Financing Activities
Net Debt Issuance (595.4) (815) 223.9 (1,001.7) (380.5) 570.0 (1,500) 1,100 800 500 (304.3) 49.2 106.3 285.9 38.8 194.8 95.1
Stock Repurchased (185.8) (81.5) (105.0) (115.3) (150) 0 0 0 0 0 0 0 0 0 0 0 (0.8)
Dividends Paid (17.2) (17.2) (17.2) (17.2) (18.7) (9.8) (9.8) (9.8) (9.8) (9.8) 0 0 (1.0) (0.8) 0 0 0
Other Financing Activities 1,210.2 2,866.8 (485.0) (5,252.5) (2,887.2) 4,518.0 5,371.6 1,756.7 2,359.6 1,898.3 705.3 344.9 248.5 310.5 197.4 285.3 222.3
Financing Cash Flow 404.3 1,943.9 (387.7) (6,390.9) (3,149.8) 5,076.2 3,861.9 2,846.9 3,149.8 2,625.0 403.4 397.3 389.9 611.0 250.6 507.2 329.5
Cash Position
Net Change in Cash (1,089.7) (54.0) (1,769.4) (2,934.4) (1,259.7) 4,780.8 1,345.5 174.5 66.2 1,048.5 59.4 8.9 (19.2) 32.1 (3.7) 51.7 (64.0)
Cash at Beginning 3,188.8 3,242.8 5,012.3 7,946.7 9,206.4 4,425.6 3,080.1 2,905.6 2,839.4 1,790.9 78.5 69.6 88.7 56.6 60.3 8.5 72.5
Cash at End 2,099.1 3,188.8 3,242.8 5,012.3 7,946.7 9,206.4 4,425.6 3,080.1 2,905.6 2,839.4 137.8 78.5 69.6 88.7 56.6 60.3 8.5
Free Cash Flow 347.6 416.3 357.4 136.7 653.2 2,637.1 (256.8) (687.4) 119.9 (728.5) 38.1 (17.2) 53.1 (63.7) (30.7) (11.4) (12.7)
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999
Income Statement
Revenue 1,998.9 1,760.6 1,791.3 1,245.2 987.0 1,177.8 1,435.2 1,227.3 938.0 762.5 650.7 557.1 488.6 441.5 353.8 312.1 272.4 271.4 309.9 254.2 172.0 118.0 96.4 78.8 47.3 41.0 9.2
Gross Profit 1,211.8 865.3 1,003.5 910.8 909.3 731.7 974.6 891.0 776.1 621.9 551.0 497.5 444.5 408.4 306.7 220.4 182.5 147.5 146.4 130.9 106.7 80.4 60.0 45.2 6.0 2.0 0.4
Operating Income 443.7 107.1 246.6 431.8 338.1 91.9 396.3 373.4 325.7 241.2 224.5 212.4 187.8 188.5 118.3 56.8 36.7 37.8 47.8 44.0 40.6 30.0 11.6 9.9 5.8 (16.5) (9.3)
Net Income 330.2 77.5 189.1 332.5 253.9 66.3 312.0 293.4 197.1 155.1 144.9 136.4 121.1 120.7 76.0 37.2 24.2 24.3 29.4 28.9 27.2 20.4 13.8 7.3 5.8 (16.5) (9.3)
EPS (Diluted) 6.80 1.28 3.54 6.18 4.60 1.12 6.21 5.79 3.73 3.11 2.91 2.88 2.72 3.00 1.98 1.00 0.55 0.87 1.10 1.09 1.02 0.77 0.60 0.32 0.30 -1.89 -1.23
Balance Sheet
Cash & Equivalents 2,099.1 3,188.8 3,242.8 5,012.3 7,946.7 9,206.4 4,395.6 3,029.9 2,875.6 2,814.4 80.5 77.9 78.5 69.6 88.7 56.6 60.3 8.5
Total Assets 31,540.3 30,731.9 28,356.3 28,414.6 34,731.7 37,726.1 32,548.1 28,257.8 25,075.6 21,697.1 5,698.9 5,140.2 2,611.2 2,192.9 1,793.3 1,164.8 908.4 408.6
Total Debt 950.6 1,545.3 2,359.1 2,132.6 3,128.7 3,507.6 2,937.3 4,936.3 3,559.9 2,504.0 1,070.4 1,280.6 615.6 566.4 459.5 163.6 18.6 46.3
Stockholders' Equity 3,631.4 3,367.9 3,199.1 3,055.4 3,209.6 2,871.2 2,801.3 2,500.4 2,202.7 2,009.6 481.4 387.1 195.3 171.8 125.0 106.4 86.2 72.9
Cash Flow
Operating Cash Flow 360.2 481.1 373.7 148.0 657.3 2,639.9 (240.2) (679.7) 132.2 (726.3) 41.8 (16.2) 55.2 (63.4) (30.0) (8.2) (8.0)
Capital Expenditure (12.6) (64.8) (16.4) (11.3) (4.1) (2.8) (16.7) (7.7) (12.3) (2.2) (3.6) (1.0) (2.1) (0.2) (0.6) (3.2) (4.6)
Free Cash Flow 347.6 416.3 357.4 136.7 653.2 2,637.1 (256.8) (687.4) 119.9 (728.5) 38.1 (17.2) 53.1 (63.7) (30.7) (11.4) (12.7)