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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 ...

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, Inc. (TCBI) reported strong fourth-quarter 2025 adjusted earnings per share (EPS) of $2.08, exceeding the Zacks Consensus Estimate of $1.78 and up from $1.43 in the same quarter last year [1][2][8] - The company's performance was driven by increased net interest income (NII) and non-interest income, although it faced challenges from higher expenses and declining loan balances [1][5][11] Financial Performance - Adjusted EPS for the full year 2025 was $6.80, surpassing the Zacks Consensus Estimate of $6.50 and significantly higher than $4.43 in 2024 [2] - Net income available to common shareholders (GAAP basis) for Q4 2025 was $96.3 million, a 44% increase from $66.7 million in Q4 2024 [2] - Total quarterly revenues rose 15.4% year over year to $327.5 million, exceeding the Zacks Consensus Estimate by 1.4% [3] - For the full year 2025, revenues increased 34.6% year over year to $1.26 billion, also surpassing the Zacks Consensus Estimate of $1.25 billion [3] Income Sources - NII reached $267.4 million, a 16.5% increase year over year, driven by growth in average earning assets and lower funding costs [4] - Net interest margin (NIM) expanded by 45 basis points year over year to 3.38% [4] - Non-interest income grew 11.0% year over year to $60.0 million, primarily due to higher service charges and increased investment banking and advisory fees [4] Expense Management - Non-interest expenses rose 7.0% year over year to $184.2 million, mainly due to higher salaries, benefits, and technology expenses [5] - The increase in expenses was partially offset by lower legal and professional expenses [5] Loan and Deposit Trends - As of December 31, 2025, loans held for investment totaled $17.9 billion, down from $18.1 billion as of September 30, 2025 [6] - Total deposits decreased to $26.4 billion from $27.5 billion in the prior quarter [6] Credit Quality - Net charge-offs were $10.7 million in Q4 2025, down from $12.1 million in the same quarter last year [7] - Provision for credit losses was $11.0 million, a decline from $18.0 million in Q4 2024 [7] - Total non-performing assets increased to $121.2 million from $111.2 million year over year, with a non-accrual loans ratio of 0.49% compared to 0.50% in Q4 2024 [7] Capital Position - As of December 31, 2025, the common equity tier 1 (CET1) ratio was 12.1%, up from 11.4% in the previous year [9] - The total capital ratio stood at 16.1%, and the leverage ratio was 11.7%, compared to 11.3% as of December 31, 2024 [9] - Tangible common equity to total tangible assets improved to 10.6% from 10.0% year over year [9] Share Repurchase Activity - During Q4 2025, the company repurchased 1.45 million shares for a total of $126.6 million [10] - A new share repurchase program of up to $200 million was authorized by TCBI's board, effective through December 31, 2026 [10]

Core Viewpoint - Texas Capital Bancshares, Inc. (NASDAQ: TCBI) has seen a significant increase in analyst confidence, reflected in the rising consensus price target, indicating a positive outlook for the company's future performance and growth potential [1][2][5]. Price Target Trends - The average price target for TCBI has risen to $105, up from $95.4 three months ago, marking an increase of $9.6 over the quarter and $18.58 from a year ago when it was $86.42 [2][3][4]. - Despite the positive sentiment, analyst Brad Milsaps from Piper Sandler has set a lower price target of $75, suggesting a more cautious outlook amidst the overall bullish trend [2][4]. Stock Performance - Since the last earnings report, TCBI's stock has only increased modestly by 0.4%, indicating that while analysts are optimistic, the market performance has not fully reflected this sentiment [3][6]. - The upcoming earnings report is anticipated to show growth, but there are concerns that the company may lack the necessary factors for an earnings beat [4][5].

Texas Capital Bancshares (NasdaqGS:TCBI) Q4 2025 Earnings call January 22, 2026 09:00 AM ET Company ParticipantsWoody Lay - VPMichael Rose - Managing Director of Equity ResearchJocelyn Kukulka - Head of Investor RelationsRob Holmes - Chairman, President, and CEOJanet Lee - Director of U.S. Mid-Cap Banks Equity ResearchAnthony Elian - Equity Research BanksMatt Scurlock - CFOJackson Singleton - Equity Research AssociateJon Arfstrom - Managing Director and Associate Director of US ResearcConference Call Partic ...

Texas Capital Bancshares (NasdaqGS:TCBI) Q4 2025 Earnings call January 22, 2026 09:00 AM ET Company ParticipantsWoody Lay - VPMichael Rose - Managing Director of Equity ResearchJocelyn Kukulka - Head of Investor RelationsRob Holmes - Chairman, President, and CEOJanet Lee - Director of U.S. Mid-Cap Banks Equity ResearchAnthony Elian - Equity Research BanksMatt Scurlock - CFOJackson Singleton - Equity Research AssociateJon Arfstrom - Managing Director and Associate Director of US ResearcConference Call Partic ...

Texas Capital Bancshares (NasdaqGS:TCBI) Q4 2025 Earnings call January 22, 2026 09:00 AM ET Speaker0Welcome, everyone. The Texas Capital Bancshares Inc. four-year and Q4 2025 earnings call will begin shortly. In the meantime, if you would like to pre-register to ask a question, please press star followed by one on your telephone keypad. If you change your mind, please press star followed by two. Thank you. Hello, everyone, and thank you for joining the Texas Capital Bancshares Inc. four-year and Q4 2025 ear ...