Texas Capital (TCBI) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

For the quarter ended December 2025, Texas Capital (TCBI) reported revenue of $327.48 million, up 15.4% over the same period last year. EPS came in at $2.08, compared to $1.43 in the year-ago quarter.

The reported revenue represents a surprise of +1.36% over the Zacks Consensus Estimate of $323.08 million. With the consensus EPS estimate being $1.78, the EPS surprise was +16.57%.

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.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

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: 56.2% versus 60.4% estimated by four analysts on average.
• Net interest margin: 3.4% versus 3.3% estimated by four analysts on average.
• Net charge-offs to average total loans held for investment for last 12 months: 0.2% compared to the 0.3% average estimate based on three analysts.
• Average Balance - Total earning assets: $31.41 billion versus the three-analyst average estimate of $31.38 billion.
• Total non-performing assets: $121.24 million versus $97.77 million estimated by three analysts on average.
• Non-accrual loans held for investment: $116.88 million versus $97.77 million estimated by three analysts on average.
• Net Interest Income: $267.44 million versus $259.36 million estimated by four analysts on average.
• Total Non-Interest Income: $60.05 million compared to the $63.6 million average estimate based on four analysts.
• Net Interest Income (FTE): $268.34 million versus $260.31 million estimated by three analysts on average.
• Service charges on deposit accounts: $8.41 million versus $8.34 million estimated by two analysts on average.
• Other Non-Interest Income: $8.92 million versus $10.98 million estimated by two analysts on average.
• Wealth management and trust fee income: $4.22 million compared to the $3.96 million average estimate based on two analysts.

View all Key Company Metrics for Texas Capital here>>>

Shares of Texas Capital have returned +9.1% over the past month versus the Zacks S&P 500 composite's +0.7% 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 Report

This article originally published on Zacks Investment Research (zacks.com).

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