What is the 13F Pro Quality Score for TCBI?

13F Pro ranks TEXAS CAPITAL BANCSHARES INC/TX (TCBI) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View TCBI's current score at https://13fpro.ai/company/TCBI (free sign-up required for the full ranking).

Where does 13F Pro source TCBI data?

All TEXAS CAPITAL BANCSHARES INC/TX fundamentals and ownership data come directly from SEC EDGAR. TEXAS CAPITAL BANCSHARES INC/TX files with the SEC under CIK 1077428. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is TCBI in?

TEXAS CAPITAL BANCSHARES INC/TX (TCBI) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives TCBI's revenue?

Per TEXAS CAPITAL BANCSHARES INC/TX's latest 10-Q filed with the SEC on 2026-07-23, the biggest revenue drivers are: Net interest income ($260.4M); Non-interest income ($75.1M, +$21.0M YoY); Investment banking and advisory fees ($31.5M). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/TCBI.

What are TCBI's largest expenses?

TEXAS CAPITAL BANCSHARES INC/TX's latest 10-Q reports these as the largest expense items: Salaries and benefits ($123.3M); Communications and technology ($28.5M); Provision for credit losses ($18.0M). Sourced directly from SEC EDGAR filing text for Q2 2026 (quarter ended June 30, 2026).

How often is TCBI research updated on 13F Pro?

TCBI's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

TEXAS CAPITAL BANCSHARES INC/TX(TCBI)Stock Analysis

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13F Pro Quality Score

64.4/100

Rank #549 of 2,961 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

62.3/100

Profitability

90.6/100

Balance Sheet

44.1/100

Earnings Quality

58.2/100

Free Cash Flow

88.3/100

Institutional Flow

75.1/100

Revenue Scale

55.4/100

Dilution Risk

33.2/100

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Why TCBI Scores 64/100

exact factor attribution · 2026-09-11

TCBI's composite is driven by profitability and free cash flow, held back by shareholder dilution. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+8.1 pts

91th pct

Free cash flow

+5.7 pts

88th pct

Revenue growth

+3.3 pts

62th pct

Earnings growth

+2.2 pts

83th pct

Institutional flow

+1.7 pts

75th pct

Scale

+1.1 pts

55th pct

Earnings quality

+0.8 pts

58th pct

Capital efficiency

-0.8 pts

44th pct

Shareholder dilution

-1.1 pts

33th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

TCBI Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for TEXAS CAPITAL BANCSHARES INC/TX (TCBI), 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 #549 of 2,961 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. TEXAS CAPITAL BANCSHARES INC/TX's 13F Pro composite quality score has ranged between 37 and 69 since 2026, currently 64.4 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

What's Driving TCBI's Business? Latest 10-Q Breakdown

✓ 27/27 datapoints verified

AI-extracted from TEXAS CAPITAL BANCSHARES INC/TX's 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.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$335.5M

Net Income

Q2 2026

$84.9M

Free Cash Flow

Q2 2026

$93.5M

Operating Margin

Q2 2026

33.4%

ROIC

Q2 2026

10.8%

D/E Ratio

Q2 2026

0.14

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

$1.26BFY 2025

FY22 $1.23BFY23 $1.08BFY24 —FY25 $1.26B

Net Income

+326.1% YoY

$330.2MFY 2025

FY22 $332.5MFY23 $189.1MFY24 $77.5MFY25 $330.2M

EPS (Diluted)

+430.5% YoY

$6.79FY 2025

FY22 $6.18FY23 $3.54FY24 $1.28FY25 $6.79

Total Assets

+2.6% YoY

$31.54BFY 2025

FY22 $28.41BFY23 $28.36BFY24 $30.73BFY25 $31.54B

Total Debt

-6.0% YoY

$620.6MFY 2025

FY22 $931.4MFY23 $859.1MFY24 $660.3MFY25 $620.6M

Op. Cash Flow

-25.0% YoY

$360.2MFY 2025

FY22 $148.0MFY23 $373.7MFY24 $480.1MFY25 $360.2M

Free Cash Flow

-16.3% YoY

$347.6MFY 2025

FY22 $136.7MFY23 $357.4MFY24 $415.2MFY25 $347.6M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$1.26B	—	$1.08B -12.2%	$1.23B +35.1%	$907.1M	—
Net Income	$330.2M +326.1%	$77.5M -59.0%	$189.1M -43.1%	$332.5M +30.9%	$253.9M +283.1%	$66.3M
EPS (Diluted)	$6.79 +430.5%	$1.28 -63.8%	$3.54 -42.7%	$6.18 +34.3%	$4.60 +310.7%	$1.12
Total Assets	$31.54B +2.6%	$30.73B +8.4%	$28.36B -0.2%	$28.41B -18.2%	$34.73B -7.9%	$37.73B
Total Debt	$620.6M -6.0%	$660.3M -23.1%	$859.1M -7.8%	$931.4M +0.3%	$928.7M +134.6%	$395.9M
Operating Cash Flow	$360.2M -25.0%	$480.1M +28.5%	$373.7M +152.6%	$148.0M -77.5%	$657.3M -75.1%	$2.64B
Free Cash Flow	$347.6M -16.3%	$415.2M +16.2%	$357.4M +161.4%	$136.7M -79.1%	$653.2M -75.2%	$2.64B

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Available Research

13F Pro tracks comprehensive data for TEXAS CAPITAL BANCSHARES INC/TX including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of TCBI

BlackRock, Inc.
$578.1M5,598,956 sh
T. Rowe Price Investment Management, Inc.
$349.7M3,387,009 sh
DIMENSIONAL FUND ADVISORS LP
$296.7M2,873,655 sh
AQR CAPITAL MANAGEMENT LLC
$274.8M2,661,695 sh
STATE STREET CORP
$256.2M2,481,455 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$221.2M2,142,045 sh
VANGUARD CAPITAL MANAGEMENT LLC
$202.6M1,961,904 sh
GEODE CAPITAL MANAGEMENT, LLC
$141.4M1,369,120 sh
AMERICAN CENTURY COMPANIES INC
$124.1M1,202,117 sh
ALLIANCEBERNSTEIN L.P.
$112.1M1,181,779 sh

Fund	Value	Shares
BlackRock, Inc.	$578.1M	5,598,956
T. Rowe Price Investment Management, Inc.	$349.7M	3,387,009
DIMENSIONAL FUND ADVISORS LP	$296.7M	2,873,655
AQR CAPITAL MANAGEMENT LLC	$274.8M	2,661,695
STATE STREET CORP	$256.2M	2,481,455
VANGUARD PORTFOLIO MANAGEMENT LLC	$221.2M	2,142,045
VANGUARD CAPITAL MANAGEMENT LLC	$202.6M	1,961,904
GEODE CAPITAL MANAGEMENT, LLC	$141.4M	1,369,120
AMERICAN CENTURY COMPANIES INC	$124.1M	1,202,117
ALLIANCEBERNSTEIN L.P.	$112.1M	1,181,779

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Is TCBI a good stock to buy?

13F Pro's AI-powered analysis of TEXAS CAPITAL BANCSHARES INC/TX (TCBI) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for TCBI are available on the TCBI stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. TCBI is classified as a mid company.

Which hedge funds own TCBI?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling TCBI. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of TEXAS CAPITAL BANCSHARES INC/TX's investment landscape.