Texas Capital (TCBI) reported $307.46 million in revenue for the quarter ended June 2025, representing a year-over-year increase of 15.2%. EPS of $1.63 for the same period compares to $0.80 a year ago.
The reported revenue represents a surprise of +3.09% over the Zacks Consensus Estimate of $298.24 million. With the consensus EPS estimate being $1.28, the EPS surprise was +27.34%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Texas Capital performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency Ratio: 61.9% versus the five-analyst average estimate of 66.6%.
- Net interest margin: 3.4% compared to the 3.2% average estimate based on five analysts.
- Net charge-offs to average total loans held for investment for last 12 months: 0.2% compared to the 0.2% average estimate based on four analysts.
- Average Balance - Total earning assets: $30.3 billion versus the four-analyst average estimate of $30.98 billion.
- Total non-performing assets: $113.61 million compared to the $96.88 million average estimate based on three analysts.
- Non-accrual loans held for investment: $113.61 million compared to the $96.88 million average estimate based on three analysts.
- Net Interest Income: $253.4 million compared to the $245.58 million average estimate based on five analysts.
- Total Non-Interest Income: $54.07 million versus the five-analyst average estimate of $52.56 million.
- Net Interest Income (FTE): $253.89 million versus the four-analyst average estimate of $246.85 million.
- Wealth management and trust fee income: $3.73 million versus $4.02 million estimated by three analysts on average.
- Brokered loan fees: $2.4 million compared to the $1.99 million average estimate based on three analysts.
- Service charges on deposit accounts: $8.18 million versus $8.12 million estimated by three analysts on average.
View all Key Company Metrics for Texas Capital here>>>
Shares of Texas Capital have returned +13.1% over the past month versus the Zacks S&P 500 composite's +4.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Texas Capital Bancshares, Inc. (TCBI): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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