Insights Into Texas Capital (TCBI) Q2: Wall Street Projections for Key Metrics

Core Viewpoint - Analysts project Texas Capital (TCBI) will report quarterly earnings of $1.28 per share, a 60% increase year over year, with revenues expected to reach $298.24 million, an 11.7% increase from the same quarter last year [1]. Earnings Projections - The consensus EPS estimate has been revised downward by 0.7% in the past 30 days, indicating a reassessment by covering analysts [2]. - Changes in earnings projections are crucial for predicting investor reactions, as empirical studies show a strong correlation between earnings estimate trends and short-term stock price movements [3]. Key Financial Metrics - Analysts estimate the 'Efficiency Ratio' to be 66.6%, down from 70.6% a year ago [4]. - The 'Net Interest Margin' is expected to be 3.2%, up from 3.0% in the same quarter last year [5]. - The 'Average Balance - Total earning assets' is projected at $30.98 billion, compared to $28.57 billion a year ago [5]. - 'Total Non-Performing Assets' are estimated at $96.88 million, up from $85.02 million a year ago [5][6]. Income Projections - 'Net Interest Income' is forecasted to reach $245.58 million, compared to $216.58 million last year [6]. - 'Total Non-Interest Income' is expected to be $52.56 million, up from $50.42 million a year ago [6]. - 'Net Interest Income (FTE)' is estimated at $246.85 million, compared to $216.65 million in the same quarter last year [7]. - 'Wealth Management and Trust Fee Income' is projected at $4.02 million, up from $3.70 million last year [7]. Additional Income Metrics - 'Service Charges on Deposit Accounts' are expected to reach $8.12 million, compared to $5.91 million a year ago [8]. - 'Other Non-Interest Income' is projected at $8.22 million, up from $7.99 million last year [8]. - 'Trading Income' is expected to be $6.12 million, compared to $5.65 million in the same quarter last year [9]. Stock Performance - Texas Capital shares have returned +14.6% over the past month, outperforming the Zacks S&P 500 composite's +4% change [9].