Texas Capital Bancshares(US:TCBI) ZACKS·2025-10-22 22:31Core Insights - Texas Capital (TCBI) reported revenue of $340.35 million for Q3 2025, marking an 11.6% year-over-year increase and exceeding the Zacks Consensus Estimate of $325.46 million by 4.58% [1] - The company's EPS for the same quarter was $2.18, up from $1.62 a year ago, representing a surprise of 23.16% compared to the consensus estimate of $1.77 [1] Financial Performance Metrics - Efficiency Ratio was reported at 56%, better than the estimated 60.2% [4] - Net Interest Margin stood at 3.5%, slightly above the estimated 3.4% [4] - Net charge-offs to average total loans held for investment remained stable at 0.2%, matching the estimate [4] - Average Balance of Total Earning Assets was $31 billion, exceeding the average estimate of $30.82 billion [4] - Total Non-Performing Assets were reported at $96.08 million, lower than the estimated $118.01 million [4] - Non-Accrual Loans held for investment were also at $96.08 million, compared to the estimate of $118.01 million [4] - Net Interest Income was $271.77 million, surpassing the average estimate of $261.14 million [4] - Total Non-Interest Income reached $68.58 million, exceeding the estimate of $64.31 million [4] - Net Interest Income (FTE) was reported at $272.28 million, above the estimate of $261.7 million [4] - Service Charges on Deposit Accounts were $8.11 million, slightly below the estimate of $8.57 million [4] - Other Non-Interest Income was $12.84 million, higher than the estimate of $10.07 million [4] - Wealth Management and Trust Fee Income was reported at $3.99 million, above the estimate of $3.82 million [4] Stock Performance - Texas Capital's shares have returned -4.7% over the past month, contrasting with the Zacks S&P 500 composite's +1.1% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]