Texas Capital (TCBI) reported $340.35 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 11.6%. EPS of $2.18 for the same period compares to $1.62 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $325.46 million, representing a surprise of +4.58%. The company delivered an EPS surprise of +23.16%, with the consensus EPS estimate being $1.77.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
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: 56% versus 60.2% estimated by four analysts on average.
- Net interest margin: 3.5% versus 3.4% estimated by four analysts on average.
- Net charge-offs to average total loans held for investment for last 12 months: 0.2% versus 0.2% estimated by three analysts on average.
- Average Balance - Total earning assets: $31 billion compared to the $30.82 billion average estimate based on three analysts.
- Total non-performing assets: $96.08 million versus $118.01 million estimated by three analysts on average.
- Non-accrual loans held for investment: $96.08 million versus the three-analyst average estimate of $118.01 million.
- Net Interest Income: $271.77 million versus the four-analyst average estimate of $261.14 million.
- Total Non-Interest Income: $68.58 million versus $64.31 million estimated by four analysts on average.
- Net Interest Income (FTE): $272.28 million versus $261.7 million estimated by three analysts on average.
- Service charges on deposit accounts: $8.11 million compared to the $8.57 million average estimate based on two analysts.
- Other Non-Interest Income: $12.84 million compared to the $10.07 million average estimate based on two analysts.
- Wealth management and trust fee income: $3.99 million versus $3.82 million estimated by two analysts on average.
View all Key Company Metrics for Texas Capital here>>>
Shares of Texas Capital have returned -4.7% over the past month versus the Zacks S&P 500 composite's +1.1% 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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