Texas Capital Bancshares (NASDAQ: TCBI) reported revenue of $1.346 billion and earnings per share of $7.784 for the trailing 12 months. The Dallas-based bank holding company focuses on commercial banking for Texas middle-market businesses, with net interest income from loans and securities as its main revenue source, supplemented by investment banking and wealth management fees. Its latest figures show solid profitability, alongside varied growth rates and analyst forecasts that indicate differing expectations across the business.
Texas-focused commercial banking
Through its subsidiary, Texas Capital Bank, the company offers commercial and personal banking, investment banking and wealth management to businesses, entrepreneurs and individuals. Its services include middle-market commercial lending, corporate banking, treasury management and mortgage finance, as well as personal deposits, loans and credit cards.
The bank operates in major Texas cities including Dallas, Fort Worth, Austin, Houston and San Antonio, with some business locations in other states. It has 1,785 employees. Net interest income from loans and securities is a key source of revenue for the business, while fee-based services add to its revenue mix.
Profitability is steady, but growth rates vary
The latest figures put Texas Capital Bancshares’ operating margin at 35.24%, net margin at 26.97%, return on equity (ROE) at 10.08% and return on assets (ROA) at 1.11%. The company has been profitable in each of the past 10 years, and its Piotroski F-Score is 8 out of 9. These measures offer a snapshot of earnings and financial condition, but do not guarantee future results.
Over the past three years, revenue grew 12.3% and adjusted earnings per share, excluding special items, rose 3.2%. Free cash flow increased 41.7%, while EBITDA growth was 1.5%. The varying rates point to different trends across the measures. Assessing a bank’s performance also requires consideration of interest rates, loan demand and asset quality; the available figures do not provide details on those factors.
Valuation and analyst forecasts
TCBI’s listed valuation multiples are 13.07 times trailing earnings, 12.33 times forward earnings and 1.35 times book value. These measures use different calculations and do not, on their own, establish whether the shares are cheap or expensive. The listed dividend yield is 0.37%, with a payout ratio of 0.05%; a separate figure gives an expected dividend yield of 0.75%.
Analyst forecasts put 2026 revenue at $1.3414 billion and EPS at $7.34. For 2027, estimates rise to $1.4305 billion in revenue and $8.25 in EPS. The 2028 forecasts are $1.5212 billion in revenue and $8.86 in EPS. Both revenue and earnings estimates increase over the period; these are projections, not reported results.
Share-price range and company dates
The listed 52-week share-price range is $81.265 to $108.92. The 14-day relative strength index (RSI) is 66.65, and the 12-month momentum figure is 13.25%. These indicators describe share-price performance over specific periods and are not a forecast of future moves.
The company calendar records that TCBI released its third-quarter 2026 results on October 21, 2026. The shares stood at $91.06 that day, up 1.10%, and the third-quarter earnings call was also scheduled for that date. The calendar lists a cash dividend of $0.20 per share on December 1, 2026, and the release of fourth-quarter 2026 results on January 21, 2027.
Investors tracking the company should distinguish between reported historical figures, analyst projections and scheduled corporate events: each describes a different aspect of the business and its outlook.