TEXAS CAPITAL BANCSHARES INC/TX(TCBI)— Stock Profile, AI Score & Financials
Financials · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
TEXAS CAPITAL BANCSHARES INC/TX (TCBI) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores TCBI at 64.4/100 on a 32-signal composite quality model, placing it at rank #548 of 2,960 stocks — the top 25% of the AI-ranked universe. TCBI scores in the top quartile across profitability (90.6), free cash flow (88.3), institutional flow (75.1). Shareholder dilution risk is elevated at 33.2/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), TEXAS CAPITAL BANCSHARES INC/TX reports quarterly revenue of $335.5M, net income of $84.9M, an operating margin of 33.4%. Top institutional holders of TCBI by reported 13-F value include BlackRock, T. Rowe Price Investment Management, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. TCBI trades on the Nasdaq exchange and files with the SEC under CIK 1077428. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate TCBI daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for TEXAS CAPITAL BANCSHARES INC/TX directly from SEC EDGAR.
AI Quality Score
64.4/100
AI Rank
#548
Revenue
$335.5M
Net Income
$84.9M
Free Cash Flow
$93.5M
Operating Margin
33.4%
TCBI key financials by period
TEXAS CAPITAL BANCSHARES INC/TX reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$1.3B
$330.2M
34.5%
FY 2023
10-K
$1.1B
$189.1M
22.9%
FY 2022
10-K
$1.2B
$332.5M
35.2%
FY 2021
10-K
$907.1M
$253.9M
37.3%
FY 2019
10-K
$1.1B
$312.0M
37.0%
FY 2018
10-K
$992.9M
$293.4M
37.6%
Institutions holding TCBI
Institutional investors reporting a position in TEXAS CAPITAL BANCSHARES INC/TX on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-07-23 — Q2 2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Texas Capital earned $84.9M net income ($1.83 diluted EPS) in Q2 2026 as non-interest income jumped $21.0M to $75.1M, while net interest margin slipped to 3.28%.
Biggest Revenue Drivers
Net interest income$260.4M
Increase primarily due to higher average earning assets and lower funding costs, partially offset by lower earning asset yields and higher average interest bearing deposits.
Non-interest income$75.1M+$21.0M YoY
Increases in wealth management and trust fees, investment banking and advisory fees, trading income and other income, plus absence of prior-year $1.9M securities loss.
Biggest Revenue Drivers
Net interest income$260.4M
Increase primarily due to higher average earning assets and lower funding costs, partially offset by lower earning asset yields and higher average interest bearing deposits.
Non-interest income$75.1M+$21.0M YoY
Increases in wealth management and trust fees, investment banking and advisory fees, trading income and other income, plus absence of prior-year $1.9M securities loss.
Within Non-interest income
Investment banking and advisory fees$31.5M
Other non-interest income$16.2M
Trading income$11.3M
Largest Expense Items
Salaries and benefits$123.3M
Largest component of the $15.2M YoY rise in total non-interest expense to $205.5M.
Communications and technology$28.5M
Cited by the filing among the drivers of higher non-interest expense versus $24.3M a year ago.
Provision for credit losses$18.0M
Six-month provision reflects an increase in criticized loans and $33.4M in net charge-offs.
Legal and professional$14.7M
Up from $11.1M; listed among items driving the quarter's expense increase.
Margins: Net interest margin fell to 3.28% from 3.35%, as earning asset yields dropped to 5.54% from 5.80% while total cost of deposits declined to 2.40% from 2.65%. Efficiency ratio improved to 61.3%.
Watch Items from the Filing
Criticized loans rose to $696.3 million at June 30, 2026 from $634.9 million at December 31, 2025, driving the provision.
Six-month net charge-offs of $33.4 million equal 0.28% of average loans versus 0.20% a year ago; CRE charge-offs jumped to 0.26% from 0.02%.
Brokered deposits surged to $3.36 billion, 11.6% of total deposits, from $729 million or 2.8% at year-end 2025.
Commercial real estate non-accruals rose to $38.6 million from $20.7 million, including a newly non-accrual $18.5 million apartment building.
Under the most severe downside macroeconomic scenario, the modeled allowance for credit losses would increase by approximately $91.4 million.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
