The Austin, Texas, region has seen its population grow rapidly over the last decade, with new data showing it added households at about four-times the pace of the nation as a whole. Data from the National Association of Realtors showed that the metropolitan area encompassing Austin, Round Rock and San Marcos saw the number of households grow roughly 51% from 2014 to 2024.The Austin region gained 357,000 households from 2014 to 2024, which brought the number of households in the region from 703,976 to 1,061, ...

Core Viewpoint - Investors in the Banks - Southwest sector should consider Texas Capital (TCBI) and Cullen/Frost Bankers (CFR) for potential value opportunities [1] Group 1: Zacks Rank and Earnings Outlook - Texas Capital has a Zacks Rank of 1 (Strong Buy), while Cullen/Frost Bankers has a Zacks Rank of 2 (Buy), indicating a stronger earnings outlook for TCBI [3] - The Zacks Rank system emphasizes companies with positive earnings estimate revisions, suggesting TCBI is likely experiencing a more favorable earnings outlook [3] Group 2: Valuation Metrics - TCBI has a forward P/E ratio of 13.53, compared to CFR's forward P/E of 14.37, indicating TCBI may be undervalued [5] - TCBI's PEG ratio is 0.50, while CFR's PEG ratio is significantly higher at 5.38, suggesting TCBI offers better value relative to its expected earnings growth [5] - TCBI's P/B ratio is 1.41, compared to CFR's P/B of 2.11, further supporting TCBI's valuation attractiveness [6] Group 3: Value Grades - TCBI has earned a Value grade of B, while CFR has a Value grade of C, indicating TCBI is viewed more favorably by value investors [6] - Stronger estimate revision activity and more attractive valuation metrics position TCBI as the superior option for value investors [7]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934. For the fiscal year ended December 31, 2025 ☐ Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934. For the transition period from to Commission file number 001-34657 TEXAS CAPITAL BANCSHARES, INC. (Exact Name of Registrant as Specified in Its Charter) Delaware 75-2679109 (State or other jurisdiction of i ...

Core Insights - The efficiency ratio is a key indicator of a company's financial health, reflecting how effectively it utilizes its assets and liabilities internally [1] - A selection of companies that have passed the efficiency screening process includes Owlet (OWLT), Texas Capital Bancshares (TCBI), Western Digital (WDC), and Brinker International (EAT) [1] Efficiency Ratios - **Receivables Turnover**: This ratio measures a company's ability to extend credit and collect debts, with a higher ratio indicating better performance [2] - **Asset Utilization**: This ratio assesses how well a company converts its assets into sales, with higher values suggesting greater efficiency [3] - **Inventory Turnover**: This ratio indicates a company's ability to manage inventory relative to its cost of goods sold (COGS), with higher values reflecting better inventory management [4] - **Operating Margin**: This ratio measures the efficiency of a company in controlling operating expenses relative to sales, with higher values indicating better expense management [5] Screening Criteria - The screening process utilized efficiency ratios that exceed industry averages, narrowing down the stock universe from over 7,906 to six candidates [7] - The screening also included a favorable Zacks Rank, specifically Zacks Rank 1 (Strong Buy), to enhance profitability [6] Company Highlights - **Owlet (OWLT)**: Achieved an average four-quarter positive earnings surprise of 87.8% after passing the efficiency screen [8][9] - **Texas Capital Bancshares (TCBI)**: Recorded a 15.1% average four-quarter earnings surprise, serving major Texas metropolitan clients [8][10] - **Western Digital (WDC)**: Developed NAND flash and HDD storage solutions, with an 11.2% average four-quarter earnings surprise [8][11] - **Brinker International (EAT)**: Operates various restaurant brands and has an average four-quarter positive earnings surprise of 8.2% [8][12]

Texas Capital (TCBI) could be a solid choice for investors given its recent upgrade to a Zacks Rank #1 (Strong Buy). This upgrade is essentially a reflection of an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices.A company's changing earnings picture is at the core of the Zacks rating. The system tracks the Zacks Consensus Estimate -- the consensus measure of EPS estimates from the sell-side analysts covering the stock -- for the current and following years.The po ...

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Group 1 - The article does not provide any relevant content regarding company or industry insights [1]

Core Viewpoint - DA Davidson raised the price target on Texas Capital (TCBI) to $104 from $94 while maintaining a Neutral rating on the shares, indicating a positive outlook for the company despite the neutral rating [1] Financial Performance - Texas Capital delivered a strong quarterly performance, exceeding consensus estimates with a return on assets (ROA) of 1.20%, surpassing its target of 1.1% for the second consecutive quarter [1] - The management did not set a new ROA target, but it is suggested that the 1.1% ROA is now a baseline due to a favorable earnings outlook for 2026 [1]

Texas Capital Bancshares (NASDAQ:TCBI) reported better-than-expected earnings for the fourth quarter on Thursday.The company posted quarterly earnings of $2.08 per share which beat the analyst consensus estimate of $1.77 per share. The company reported quarterly sales of $327.483 million which beat the analyst consensus estimate of $324.621 million.“Consecutive strong quarters to close 2025 validate our multi-year transformation strategy and demonstrate the resilience of our business model in a complex mark ...

Core Insights - Texas Capital Bancshares reported fourth-quarter earnings of $2.08 per share, exceeding the analyst consensus estimate of $1.77 per share [1] - The company achieved quarterly sales of $327.483 million, surpassing the analyst consensus estimate of $324.621 million [1] Company Performance - The Chairman, President & CEO, Rob C. Holmes, highlighted the company's multi-year transformation strategy and the resilience of its business model in a complex market environment [2] - The company surpassed its long-term Return on Average Assets goal of 1.1% in the last two quarters, indicating the effectiveness of its disciplined approach [2] - Texas Capital Bancshares shares fell 2% to trade at $100.25 following the earnings announcement [2] Analyst Ratings and Price Targets - Piper Sandler analyst Stephen Scouten maintained a Neutral rating and raised the price target from $86 to $96 [4] - Barclays analyst Jared Shaw maintained an Underweight rating and raised the price target from $90 to $100 [4] - DA Davidson analyst Peter Winter maintained a Neutral rating and raised the price target from $94 to $104 [4] - RBC Capital analyst Jon G. Arfstrom maintained a Sector Perform rating and raised the price target from $105 to $110 [4]