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TXCP · Texas Capital Bancshares Inc

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$99.95 +0.06 (+0.06%)
S&P 400 member Russell 2000 member Rebalance outlook locked
Market Cap
$4.24B
Shares
42.43M
Volume · Nov 13 179.08K Avg daily vol (3M) 515.29K

Price & Indicators

Drag to pan · scroll to zoom
Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$99.95 Open$99.39 Day$96.74–100.52 52W close$82.64–107.74 Avg vol 30d530K Short vol53% Last earningsOct 21, 2026 DataJan 2020–Nov 2026 Filing10-Q · Oct 22

Up next

Next earnings call
Jan 21, 2027 Est · unconfirmed · in 10 wks
Q3 2026 earnings call transcript
call held Oct 21, 2026
Play latest call

Latest documents

2026
Oct 22
Quarterly report 10-Q FY2026 Q3, ended Sep 30
Quarterly report for FY2026 Q3

The Company reported nine-month net income of $262.4 million and diluted earnings per common share of $5.66, compared to $229.6 million and $4.67. Criticized loans totaled $782.4 million at September 30, 2026, compared to $634.9 million at December 31, 2025.

Net income $103.71M ▼ 1.4% Diluted EPS $2.28 ▲ 4.6%
Read from the MD&A section
Oct 21
Earnings call
Q3 2026 earnings call

Texas Capital reported third-quarter 2026 record adjusted EPS of $2.35, up 8% year-over-year, and record adjusted revenue of $357 million; it exhausted its 2026 buyback authorization with approximately $103 million of repurchases and authorized another $200 million.

Oct 21
Current report 8-K
Financial results

Texas Capital Bancshares, Inc. reported third quarter 2026 net income available to common stockholders of $99.4 million, record net interest income of $275.0 million and 12.2% CET1. The board authorized up to $200.0 million for share repurchases.

Read from the first part of this long document
All documents

Metrics snapshot

Useful current figures from the complete screener profile.

Revenue (TTM)
$1.34B
Trailing 12 months
Net income (TTM)
$363.10M
Trailing 12 months
Revenue growth YoY
+4.8%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
—
Trailing earnings
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
$2.67B
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
-5.7%
Year over year · fewer shares
Price change (1Y)
—
Trailing year
Short interest
—
Latest settlement
View all 125 metrics

Quarterly results

Revenue Net income Net loss
▲15.4% $283.68M $71.02M '24 Q4* ▲9.4% $280.48M $47.05M '25 Q1 ▲15.2% $307.46M $77.33M '25 Q2 ▲171.6% $340.35M $105.21M '25 Q3 ▲15.4% $327.48M $100.66M '25 Q4* ▲15.5% $323.99M $73.79M '26 Q1 ▲9.1% $335.50M $84.95M '26 Q2 LATEST ▲4.8% $356.63M $103.70M '26 Q3

* Q4 derived as the full year minus Q1 to Q3.

AI Brief

Q3 FY26 earnings call · Oct 21, 2026
Q3 FY26

TL;DR. Texas Capital delivered record adjusted EPS of $2.35, record net interest income of $275.0 million, record non-interest income of $81.6 million and record strategic fee income of $64.1 million, while commercial loans grew 13% year over year. Management raised full-year revenue and fee-income guidance, and the company added a $200 million repurchase authorization while maintaining strong capital ratios. Risks included lower GAAP net income, a lower year-over-year net interest margin, higher criticized loans, lower deposits, contracting mortgage finance and commercial real estate balances, and a higher full-year expense outlook.

Bullish
  • + Adjusted EPS rose 8% year over year to a record $2.35 and increased 25% from the prior quarter.
  • + Management raised full-year adjusted revenue growth guidance to high-single-digit growth and increased full-year non-interest income guidance to $295 million-$300 million.
  • + Commercial loans increased 13% year over year to $13.4 billion, marking an 11th consecutive quarter of growth in average commercial loan balances.
Bearish
  • − GAAP net income available to common stockholders declined to $99.4 million from $100.9 million a year earlier.
  • − Total deposits declined 4% from the prior quarter to $27.7 billion as brokered deposits fell $1.6 billion.
  • − Net interest margin was 3.44%, down 3 basis points year over year from 3.47%.
  • − Period-end mortgage finance loans declined 15% from the prior quarter to $5.4 billion, departing from the historical seasonal pattern of higher third-quarter balances.

AI-generated from the earnings call and 8-K · may contain errors · not investment advice

Equibles Rating

blended score · not investment advice
Overall
Buy
SellHoldBuy
Technical Neutral Momentum Strong Sentiment Neutral Fundamentals Strong Quant / Vol Moderate
Market backdrop VIX 18.7 · elevated Equity put/call 0.72
Technical
price trend
Neutral
50 / 200-day cross No cross
Price vs 200-day avg +1%
above
Price vs 50-day avg +4%
above
RSI (14) 53
neutral
MACD trend Negative
52-week position 69%
mid-range
Volume (OBV) Confirms
volume backs price
Momentum
relative strength
Strong
1-month return +10%
trailing
6-month return 0%
trailing
YTD return +10%
this year
Relative strength −1%
vs S&P · 6-mo
Sentiment
smart money
Neutral
Trend (MA cross) No cross
50d $97 › 200d $99 — 200d above 50d
Institutional flow Distributing
253 of 377 funds reported for Sep 30 · net -450.5K sh shares · +18 new
Insider flow Flat
No net insider activity over 90 days
Short interest Flat
No short-interest data
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
377 holders — near 4-yr high, broad support
Fundamentals
Strong
Revenue growth −37%
Y/Y
EPS growth +430%
Y/Y
Free cash flow $347.6M
Valuation P/E 12.9
in line
Buyback $200.0M
authorized
Balance sheet $1.8B
net cash
Quant / Vol
risk profile
Moderate
Volatility 26%
annualized · 1-yr
Max drawdown −18%
past year
ATR 3.4%
of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

Latest guidance · from the 8-K filed Oct 21, 2026
Full Year 2026 Guidance
CET1 Ratio at least 11%
full year in 2026
Tax rate 25%
medium term
Average mortgage finance self funding ratio 80% – 85%
Previous outlook earlier release · from the 8-K filed Jul 22, 2026

Still-open targets the latest release did not restate under the same label.

Average mortgage finance self funding ratio · in the medium term 70% – 75%
Prior guidance period ended · from the Earnings Call filed Apr 23, 2026
Total non-interest income · Q2 $65M – $70M
Investment banking and sales trading revenue · Q2 $40M – $45M
Non-interest expense · Q2 2026 $200M

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Neutral
1 · 4 · 2
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
+1% Bullish
Price vs 50-day avg
+4% Bullish
RSI (14)
53 Neutral
MACD trend
Negative Bearish
52-week position
69% Neutral
Volume (OBV)
Confirms Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross) No cross
50d $97 › 200d $99 — 200d above 50d
Institutional flow Distributing
253 of 377 funds reported for Sep 30 · net -450.5K sh shares · +18 new
Insider flow Flat
No net insider activity over 90 days
Short interest Flat
No short-interest data
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
377 holders — near 4-yr high, broad support
Price context
position in its 52-week range
Range low $83 Now $100 · 69% Range high $108
vs 200-day avg +1% vs 50-day avg +4%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings
Metric Latest Period YoY
Efficiency ratio(1) 57.2% Three Months Ended September 30, 2026 filing —
Less: Realized net gains/(losses) recognized on securities sold $2.41M Three Months Ended September 30, 2026 filing —
Net gains/(losses) recognized during the period $1.25M Three Months Ended September 30, 2026 filing —
Net interest margin 3.44% the three months ended September 30, 2026 filing —
Non-interest expense to average earning assets 2.55% Three Months Ended September 30, 2026 filing —
Non-interest income to average earning assets 1.02% Three Months Ended September 30, 2026 filing —
Payment Deferral 6.69M Three Months Ended September 30, 2026 filing —
Percentage of Loans Held for Investment 0.07% Three Months Ended September 30, 2026 filing —
Return on average assets (“ROA”) 1.25% Three Months Ended September 30, 2026 filing —
Unrealized net gains/(losses) recognized on securities still held -$1.16M Three Months Ended September 30, 2026 filing —
yield on earning assets 5.7% the three months ended September 30, 2026 filing —
yield on total loans held for investment 6.21% the three months ended September 30, 2026 filing —

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Banks - Regional — same industry group
Open screener →
Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
TXCP
Texas Capital Bancshares Inc
this stock
$4.24B +10.4% -37.4% 12.9 4.6%
HDB
Hdfc Bank Ltd
 $132.87B -29.3% -3.2% — 0.8%
MFG
Mizuho Financial Group Inc
 $124.83B +41.3% — — 0.0%
IBN
Icici Bank Ltd
 $123.94B +15.8% — — 0.5%
USB
US Bancorp De
 $95.04B +14.3% +4.4% 11.9 1.7%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section
Ownership
Institutional Holders Reducing
Holders
363
% held
109.4%
Reported
253 of 377
Top holder
BlackRock, Inc.
Held Float
View
Short & Settlement
Short Volume
Short vol %
53%
As of
Nov 13, 2026
Short Total
View
Smart Money
Congressional Trades Buy
Member
Gilbert Cisneros
Amount
$1.0K–$15.0K
Traded
Jun 30, 2026
View
Financials
Financials
Revenue (FY)
$149.0K
Net income (FY)
$330.2M
EPS diluted
$6.79
View
Buybacks
Authorized
$200.0M
View
Filings
SEC Filings
Latest
10-Q
Filed
Oct 22, 2026
This year
19

The Company reported nine-month net income of $262.4 million and diluted earnings per common share of $5.66, compared to $229.6 million and $4.67. Criticized loans totaled $782.4 million at September 30, 2026, compared to $634.9 million at December 31, 2025.

View
Proposed Sales
Value
$312.0K
Shares
3.1K
Filed
Oct 23, 2026
View
Earnings & Events
Webcasts
Last webcast
Oct 21, 2026
View
Investor Relations
Latest news
Texas Capital Bancshares, Inc. An…
Published
Oct 21, 2026
View

Performance

5D 20D 120D MTD YTD
TXCP -1.1% +9.7% -0.4% -1.8% +10.4%
SPY +2.6% -1.2% +0.5% -0.2% +10.6%
vs SPY -3.7% +10.8% -0.9% -1.6% -0.2%

Capital returns

Latest dividend
$0.20 / share · ex Sep 1, 2026
Paid (TTM)
$0.40 / share · 2 payouts
Dividend yield (TTM, derived)
— · history filling in
Full dividend history
Buyback program · as of Dec 12, 2025
Authorized
$200.00M
Spent (derived)
—
Remaining
—

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 1077428 13F (30d) 232 filings 208 filers Visit website Investor relations