Phoenix to launch Spurstone Credit , a perpetual-life, non-traded closed-end credit fund backed by institutional anchor investors DALLAS, June 30, 2026 /PRNewswire/ -- Phoenix Merchant Partners, LP ("Phoenix"), an independent alternative asset manager, and Texas Capital Alternative Asset Management ("TCAAM"), a wholly owned subsidiary of Texas Capital Bancshares, Inc. (NASDAQ: TCBI), today announced a strategic relationship to provide customized capital solutions and direct lending to the core middle market across a diverse range of industries. The strategic relationship integrates the corporate and investment banking coverage network of Texas Capital with the sophisticated structuring, disciplined underwriting, and multi-cycle portfolio management expertise of Phoenix.
Texas Capital Bancshares, Inc.(TCBI)Earnings, Financials & Key Ratios
TCBI•NASDAQ•Banking & Credit
$104.54
15.4× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutTexas Capital Bancshares, Inc. operates as the bank holding company for Texas Capital Bank, is a full-service financial services firm that delivers customized solutions to businesses, entrepreneurs, and individual customers. The company offers commercial banking, consumer banking, investment banking, and wealth management services. It offers business deposit products and services, including commercial checking accounts, lockbox accounts, and cash concentration accounts, as well as information, wire transfer initiation, ACH initiation, account transfer, and service integration services; and consumer deposit products, such as checking accounts, savings accounts, money market accounts, and certificates of deposit. The company also provides commercial loans for general corporate purposes comprising financing working capital, internal growth, acquisitions, and business insurance premiums, as well as consumer loans; loans to exploration and production companies; mortgage finance loans; commercial real estate and residential homebuilder finance loans; first and second lien loans for the purpose of purchasing or constructing 1-4 family residential dwellings, as well as home equity revolving lines of credit and loans to purchase lots for future construction of 1-4 family residential dwellings; and real estate loans originated through a small business administration program, as well as equipment finance and leasing services, and letters of credit. In addition, it offers online and mobile banking, and debit and credit card services; escrow services; personal wealth management and trust services; and depositors American Airlines AAdvantage miles. It operates in Austin, Fort Worth, Dallas, Houston, and San Antonio metropolitan areas of Texas. Texas Capital Bancshares, Inc. was incorporated in 1996 and is headquartered in Dallas, Texas.Show more
- Net Interest Income$1.03B+14.1%
- Total Revenue$2B+13.5%
- Net Income$330M+326.1%
- Return on Equity9.44%+299.8%
- Net Interest Margin3.26%+11.2%
- Efficiency Ratio38.42%-10.8%
- ROA1.06%+304.3%
- Equity / Assets11.51%+5.1%
- Book Value per Share79.90+11.5%
TCBI Price & Volume
Texas Capital Bancshares, Inc. (TCBI) stock price & volume — 10-year historical chart
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Strategic Transformation Drives Texas Capital Revenue Recovery
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Healthy
Cash Flow:Improving
Primary Risk:Texas CRE concentration risk
Key Thesis Takeaways
- Texas Capital Bancshares is executing a pivot toward a specialized investment banking and treasury management model, evidenced by a recovery in NII from $236.0 million in 2025Q1 to $267.4 million by 2025Q4.
- While the bank's shift toward higher-quality commercial lending appears to be gaining traction, investors should monitor the concentration risk inherent in its Texas-centric commercial real estate portfolio.
- The firm's ability to maintain a stable 0.11 equity-to-assets ratio while funding this transition suggests a disciplined approach to capital management despite ongoing operational transformation costs.
Verdict Logic
while the PEG ratio of 0.35 suggests potential undervaluation, the bank's sensitivity to regional economic shifts and the volatility of its efficiency ratio, which reached 36.5% in 2025Q4, warrant a cautious stance.
TCBI Growth Metrics
Texas Capital Bancshares, Inc. (TCBI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years11.88%
5 Years11.16%
3 Years17.09%
TTM-
Profit CAGR
10 Years8.59%
5 Years37.87%
3 Years-0.22%
TTM262.74%
EPS CAGR
10 Years8.86%
5 Years43.44%
3 Years3.24%
TTM330.06%
Return on Capital
10 Years5.93%
5 Years6.7%
3 Years5.83%
Last Year9.5%
TCBI Recent Earnings
Texas Capital Bancshares, Inc. (TCBI) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$1.58+12.9%
$1.40
Rev
$324M+1.8%
$318M
Q1 2026
Jan 22, 2026Metric
Actual
Est
EPS
$2.08+16.9%
$1.78
Rev
$327M+1.3%
$323M
Q4 2025
Oct 22, 2025Metric
Actual
Est
EPS
$2.18+23.2%
$1.77
Rev
$317M-2.8%
$327M
Q3 2025
Jul 17, 2025Metric
Actual
Est
EPS
$1.63+27.3%
$1.28
Rev
$307M-6.0%
$327M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $1.58vs $1.40+12.9% | $324Mvs $318M+1.8% |
| Q1 2026 | Jan 22, 2026 | $2.08vs $1.78+16.9% | $327Mvs $323M+1.3% |
| Q4 2025 | Oct 22, 2025 | $2.18vs $1.77+23.2% | $317Mvs $327M-2.8% |
| Q3 2025 | Jul 17, 2025 | $1.63vs $1.28+27.3% | $307Mvs $327M-6.0% |
Based on last 12 quarters of dataView full earnings history →
Latest TCBI News
Recent stock market news and headlines for Texas Capital Bancshares, Inc. (TCBI)
PRNewsWire·Jun 30, 2026
Phoenix Merchant Partners and Texas Capital Alternative Asset Management Announce Strategic Relationship to Serve the Core Middle MarketZacks Investment Research·Jun 24, 2026
Why Texas Capital (TCBI) is a Top Momentum Stock for the Long-TermThe Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage.
Peers Comparison
Key metrics vs top competitors for Texas Capital Bancshares, Inc. (TCBI)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $104.54 | $4.57B | 15.37 | 13.54% | 16.52% | 9.44% | 0.36% | |
| $75.98 | $4.72B | 11.48 | 1.03% | 39.31% | 13.16% | — | |
| $34.67 | $4.97B | 19.59 | 11.71% | 31.14% | 14.2% | — | |
| $140.43 | $8.53B | 15.30 | -1.07% | 18.3% | 10.31% | — | |
| $3.21 | $40.65M | -3.96 | 7.1% | -3.67% | -14.26% | — | |
| $157.29 | $9.9B | 15.86 | 2.46% | 23.98% | 15.05% | — |
Compare TCBI vs Peers
Texas Capital Bancshares, Inc. (TCBI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
TCBI SEC Filings & Documents
Texas Capital Bancshares, Inc. (TCBI) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
Apr 23, 2026·SEC
Material company update
Mar 9, 2026·SEC
Material company update
Feb 27, 2026·SEC
10-K Annual Reports
310-Q Quarterly Reports
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TCBI Frequently Asked Questions
Texas Capital Bancshares, Inc. (TCBI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Texas Capital Bancshares, Inc. growing?
Texas Capital Bancshares, Inc. (TCBI) grew revenue by 13.5% over the past year. This is steady growth.
Is TCBI profitable?
Yes, Texas Capital Bancshares, Inc. (TCBI) is profitable, generating $357.0M in net income for fiscal year 2025 (16.5% net margin).
Dividend & Returns
Does TCBI pay dividends?
Yes, Texas Capital Bancshares, Inc. (TCBI) pays a dividend with a yield of 0.36%. This makes it attractive for income-focused investors.
What is TCBI's return on equity?
Texas Capital Bancshares, Inc. (TCBI) has a return on equity (ROE) of 9.4%. This is below average, suggesting room for improvement.
Industry Metrics
What is Texas Capital Bancshares, Inc.'s net interest margin?
Texas Capital Bancshares, Inc. (TCBI) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.
What is Texas Capital Bancshares, Inc.'s efficiency ratio?
Texas Capital Bancshares, Inc. (TCBI) has an efficiency ratio of 38.4%. This is excellent, indicating strong cost control.