Wall Street analysts expect Texas Capital (TCBI) to post quarterly earnings of $1.78 per share in its upcoming report, which indicates a year-over-year increase of 24.5%. Revenues are expected to be $323.08 million, up 13.9% from the year-ago quarter.The consensus EPS estimate for the quarter has undergone an upward revision of 0.3% in the past 30 days, bringing it to its present level. This represents how the covering analysts, as a whole, have reassessed their initial estimates during this timeframe.Befor ...

Core Viewpoint - Texas Capital Bancshares, Inc. is set to release its financial results for the full year and fourth quarter of 2025 on January 22, 2026, before market opening [1] Group 1: Financial Results Announcement - The company will host a conference call and webcast to discuss the operating results on January 22, 2026, at 9:00 a.m. EDT [1] - Participants can pre-register for the call to receive a unique PIN for immediate access [1] - An alternative method to join the call is available by calling 833.470.1428 with the access code 907780 [2] Group 2: Webcast and Presentation - The live webcast of the conference call can be accessed through a specific link [2] - Presentation slides related to the financial results will be available on the company's investor website [2] - A replay of the webcast will be available one hour after the call concludes [2] Group 3: Company Overview - Texas Capital Bancshares, Inc. is the parent company of Texas Capital Bank and is a member of the Russell 2000 Index and the S&P MidCap 400 [3] - The company offers a full range of financial services, including commercial banking, consumer banking, investment banking, and wealth management [3] - Founded in 1998 and headquartered in Dallas, Texas Capital has established a nationwide client network [3]

Group 1 - Texas Capital Bancshares, Inc. (NASDAQ:TCBI) has seen a stock price increase of 23% over the past two months, indicating strong performance in the banking sector [1] - The company has experienced a nearly 43% increase in stock value since Rob Holmes became CEO in January 2021, significantly outperforming the 16% gain of the State Street SPDR Regional Banking ETF [1] - Texas Capital Bancshares is transforming into a full-service financial firm under the leadership of CEO Rob Holmes, who has implemented an ambitious turnaround plan [1] Group 2 - Texas Capital Bancshares provides a range of services including commercial and consumer banking, investment banking, and wealth management [2] - The company offers various financial solutions such as lending, deposit, treasury, capital markets, and advisory services [2]

Core Viewpoint - Texas Capital Bancshares, Inc. (TCBI) has approved a new $200 million share repurchase program effective from December 12, 2025, through December 31, 2026, replacing the previous authorization [1][9]. Financial Position - As of September 30, 2025, TCBI reported a total capital ratio of 16.1% and a CET1 ratio of 13.6%, both above regulatory minimums, indicating solid capital levels that support the sustainability of the repurchase program [3][4]. - TCBI's liquidity position is strong, with $3.06 billion in liquid assets compared to $895.4 million in total debt, which includes long-term and short-term borrowings [4]. Share Repurchase Details - The new repurchase program will allow for buybacks through open-market purchases or privately negotiated transactions, depending on stock price, market conditions, and TCBI's liquidity [2]. - Under the previous $200 million authorization announced in January 2025, TCBI had repurchased 2 million shares for $164 million as of December 1, 2025 [3][9]. Peer Comparison - Other banks like BOK Financial Corporation (BOKF) and Cullen/Frost Bankers, Inc. (CFR) also engage in shareholder rewards through dividends and share repurchase programs, indicating a trend in the industry [5]. - BOK Financial increased its quarterly dividend by 3.6% and has a new repurchase authorization of up to 5 million shares, while Cullen/Frost raised its dividend by 5.3% and has a $150 million stock repurchase plan [6][7]. Market Performance - TCBI shares have increased by 29.1% over the past six months, outperforming the industry growth of 7.3% [8].

Core Viewpoint - Texas Capital Bancshares reported strong third-quarter earnings, surpassing expectations and showing significant year-over-year improvements in net income and revenues, driven by increased net interest income and a decline in expenses [2][3][4]. Financial Performance - Earnings per share for Q3 2025 reached $2.18, exceeding the Zacks Consensus Estimate of $1.77 and up from $1.59 in the same quarter last year [2]. - Net income available to common shareholders was a record $100.9 million, compared to a net loss of $65.6 million in the prior-year quarter [3]. - Total quarterly revenues increased by 11.6% year over year to $340.4 million, surpassing the Zacks Consensus Estimate by 4.7% [4]. Revenue Breakdown - Net interest income (NII) was $271.8 million, reflecting a 13.2% year-over-year increase, primarily due to higher average earning assets and lower funding costs [4]. - Non-interest income rose by 5.8% year over year to $68.6 million, driven by increased service charges and trading income [5]. Expense Management - Non-interest expenses decreased by 2.4% year over year to $190.6 million, attributed to reductions in salaries, occupancy, and marketing expenses [6]. Loan and Deposit Growth - Total average loans held for investment increased by 1.1% sequentially to $24.2 billion, while total deposits rose by 5.5% sequentially to $27.5 billion [7]. Credit Quality - Total non-performing assets increased by 8% to $96.1 million from the prior-year quarter, with provisions for credit losses declining by 20% to $12 million [8]. Capital Ratios - Tangible common equity to total tangible assets improved to 10.3% from 9.7% in the year-ago quarter [9]. - The leverage ratio was 11.9%, up from 11.4% a year earlier, and the common equity tier one ratio rose to 12.1% from 11.2% [10]. Future Outlook - The company anticipates low-double-digit percentage growth in total adjusted revenues for 2025, with adjusted non-interest revenues expected to be $270 million [11]. - Management expects fee income to range between $230-$235 million in 2025, with a significant contribution from investment banking [11][13]. - The bank aims to increase non-interest income's contribution to total revenues from 11% in 2020 to 15-20% by 2025 [14]. Industry Comparison - Texas Capital operates within the Zacks Banks - Southwest industry, where BOK Financial reported revenues of $548.35 million, reflecting a year-over-year increase of 6.2% [21].

Core Points - The Texas Capital Funds Trust Board has authorized the orderly liquidation of the Texas Capital Texas Small Cap Equity Index ETF (TXSS) due to considerations of the Fund's size, asset composition, and growth trajectory, determining it is in the best interest of the Fund and its shareholders [1] - The last trading day for TXSS shares on NASDAQ will be December 8, 2025, with operations ceasing and assets liquidating by December 15, 2025 [2] - Shareholders holding shares through the Liquidation Date will receive cash distributions based on the net asset value (NAV) of their holdings, which may have tax implications [3] Company Overview - Texas Capital Bancshares, Inc. is the parent company of Texas Capital Bank, a full-service financial services firm founded in 1998, headquartered in Dallas, with a presence in multiple Texas cities [4] - Texas Capital provides a range of services including commercial, consumer, private, and capital markets capabilities, serving clients throughout their lifecycle [5] - Texas Capital Bank Private Wealth Advisors, a subsidiary of Texas Capital Bank, serves as the investment adviser to the Fund [6]

Company Overview - Texas Capital Bancshares (TCBI) is the holding company of Texas Capital Bank, a financial services firm based in Texas with over $32 billion in assets, categorizing it as a significant regional bank [1] Investment Focus - The Investment Doctor emphasizes a portfolio that includes a mix of dividend and growth stocks, targeting a 5-7 year investment horizon [1] - The investment group European Small Cap Ideas focuses on high-quality small-cap investment opportunities in Europe, aiming for capital gains and dividend income to ensure continuous cash flow [1] Portfolio Features - The investment group offers two model portfolios: the European Small Cap Ideas portfolio and the European REIT Portfolio, along with weekly updates and educational content on European investment opportunities [1] - An active chat room is available for discussions regarding the latest developments of the portfolio holdings [1]

Group 1 - Texas Capital Bancshares (TCBI) is the holding company of Texas Capital Bank, which has over $32 billion in assets, positioning it as a significant regional bank [1] - The Investment Doctor emphasizes a diversified portfolio that includes both dividend and growth stocks, focusing on high-quality small-cap investment opportunities in Europe [1] - The investment group European Small Cap Ideas provides exclusive access to actionable research, model portfolios, weekly updates, and educational content for investors interested in European markets [1]

Core Insights - Texas Capital Bank has reported record earnings, highlighting strong financial performance and growth potential in the current market environment [1] - The CEO discussed the bank's involvement in mergers and acquisitions (M&A), indicating a proactive approach to expanding its market presence [1] - The outlook for the bank remains positive, with strategies in place to navigate future challenges and capitalize on opportunities [1] Financial Performance - The bank achieved record earnings, showcasing a significant increase compared to previous periods [1] - Specific financial metrics were not detailed in the provided content, but the emphasis on record earnings suggests robust profitability [1] M&A Activity - The CEO emphasized the importance of M&A activity as a key component of the bank's growth strategy [1] - The bank is actively seeking opportunities to enhance its portfolio and market share through strategic acquisitions [1] Future Outlook - The management expressed confidence in the bank's ability to sustain growth and adapt to changing market conditions [1] - Plans are in place to address potential challenges while leveraging existing strengths to drive future success [1]

Core Insights - Texas Capital Bancshares, Inc. (TCBI) achieved record third-quarter 2025 earnings per share (EPS) of $2.18, exceeding the Zacks Consensus Estimate of $1.77 and up from $1.59 in the same quarter last year [1][9] - The company's net income available to common shareholders reached a record $100.9 million, a significant improvement from a net loss of $65.6 million in the prior-year quarter [2] Financial Performance - Total quarterly revenues increased by 11.6% year over year to $340.4 million, surpassing the Zacks Consensus Estimate by 4.7% [3][9] - Net interest income (NII) rose to $271.8 million, reflecting a 13.2% year-over-year increase, driven by higher average earning assets and lower funding costs [3] - The net interest margin (NIM) expanded by 31 basis points year over year to 3.47% [4] - Non-interest income increased by 5.8% year over year to $68.6 million, primarily due to higher service charges and trading income [4] Expense Management - Non-interest expenses decreased by 2.4% year over year to $190.6 million, attributed to reductions in salaries, occupancy, marketing, and technology expenses [5] - The decline in expenses was partially offset by increases in legal and professional costs as well as FDIC expenses [5] Loan and Deposit Growth - As of September 30, 2025, total average loans held for investment increased by 1.1% sequentially to $24.2 billion, while total deposits rose by 5.5% sequentially to $27.5 billion [6] Credit Quality - Total non-performing assets increased by 8% year over year to $96.1 million [7] - Provision for credit losses decreased by 20% from the prior year to $12 million, while net charge-offs rose to $13.7 million from $6.1 million in the year-ago quarter [7] Capital Ratios - As of September 30, 2025, the tangible common equity to total tangible assets ratio improved to 10.3% from 9.7% in the prior year [8] - The leverage ratio increased to 11.9% from 11.4% year over year, and the common equity tier 1 ratio rose to 12.1% from 11.2% [8] Strategic Outlook - The company continues to execute growth strategies effectively, achieving record profitability and book value levels, with higher NII and fee income supporting top-line momentum [10]