Texas Capital Bancshares(TCBI) ZACKS·2025-04-14 14:21Core Viewpoint - Texas Capital (TCBI) is expected to report a quarterly earnings per share (EPS) of $0.99, reflecting a year-over-year increase of 59.7%, with revenues projected at $287.87 million, a 12.3% increase compared to the previous year [1]. Earnings Estimates - Over the past 30 days, the consensus EPS estimate has been adjusted upward by 0.8%, indicating a reassessment by analysts [2]. - Changes in earnings estimates are crucial for predicting investor reactions, as empirical studies show a strong correlation between earnings estimate revisions and short-term stock performance [3]. Key Financial Metrics - Analysts project the 'Efficiency Ratio' to be 71.2%, down from 79% in the same quarter last year [5]. - The 'Net Interest Margin' is expected to reach 3.1%, compared to 3% in the same quarter last year [5]. - The estimated 'Average Balance - Total earning assets' is $30.88 billion, up from $28.19 billion a year ago [6]. - 'Total Non-Performing Assets' are expected to be $117.49 million, compared to $102.10 million in the same quarter last year [6]. - 'Non-Accrual Loans Held for Investment' are projected at $117.49 million, up from $92.85 million a year ago [7]. - 'Net Interest Income' is forecasted to be $230.46 million, compared to $215.01 million in the same quarter last year [7]. - 'Total Non-Interest Income' is expected to reach $57.34 million, up from $41.32 million a year ago [7]. - 'Net Interest Income (FTE)' is projected at $231.76 million, compared to $215.08 million last year [8]. - 'Service Charges on Deposit Accounts' are expected to be $7.15 million, up from $6.34 million last year [8]. - 'Other Non-Interest Income' is estimated at $8.44 million, compared to $6.37 million a year ago [8]. - 'Wealth Management and Trust Fee Income' is projected to be $4.09 million, compared to $3.57 million in the same quarter last year [9]. Stock Performance - Over the past month, shares of Texas Capital have declined by 16.9%, while the Zacks S&P 500 composite has decreased by 3.6% [9]. - Texas Capital currently holds a Zacks Rank 2 (Buy), indicating potential outperformance in the near future [9].