Texas Capital
Commercial bank pairing Texas relationships with national mortgage finance and capital-markets services.
Something off on this page? Send us feedback.
Profile
Provides commercial and private banking, mortgage finance, treasury, wealth, and investment-banking services, earning mainly from loan and securities interest plus fees. Texas remains the core market, while specialized lines such as mortgage finance and Bask Bank reach clients and depositors nationwide.
Serves businesses, entrepreneurs, and individuals through commercial banking, mortgage finance, treasury solutions, private banking, wealth management, and investment banking. Lending spans commercial, mortgage warehouse, and commercial real estate credit; Texas Capital Securities adds advisory, underwriting, research, and sales and trading. Bask Bank gathers consumer deposits nationally through an online platform.
Combines relationship banking with specialized national businesses, allowing clients to use lending, payments, risk management, and capital-markets services on one platform. Texas remains the core market, centered on Austin, Dallas, Fort Worth, Houston, and San Antonio, while mortgage finance, homebuilder finance, corporate and investment banking, and Bask Bank extend nationally. Earnings depend heavily on net interest income and commercial credit quality. All divisions and subsidiaries are managed as one reportable segment; the state-chartered bank and registered broker-dealer operate under separate banking and securities regulators.
Company facts
Categories
Key statistics
Year to date +7.6% · Average volume (30d) 447.7K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 3, 2026 | Barclays | Upgrade | Underweight | Equal Weight | ||
| Jul 23, 2026 | Stephens | Reiterate | Overweight | $114 | $112 | |
| Jul 1, 2026 | Fundamental Research | Target | $110 | |||
| Jun 30, 2026 | Citigroup | Upgrade | Sell | Neutral | ||
| Apr 24, 2026 | RBC Capital | Reiterate | Sector Perform | $110 | $114 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 22, 2026Q2 FY26 | $1.87 | $1.83 | −2.1% | $333.3M | $335.5M | +0.7% | −4.12% |
| Apr 23, 2026Q1 FY26 | $1.42 | $1.58 | +11.3% | $318.2M | $324.0M | +1.8% | −4.30% |
| Jan 22, 2026Q4 FY25 | $1.78 | $2.08 | +16.9% | $323.3M | $327.5M | +1.3% | −5.08% |
| Oct 22, 2025Q3 FY25 | $1.77 | $2.18 | +23.2% | $326.5M | $317.4M | −2.8% | +3.04% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $471.7M | $493.6M | $529.2M | $504.4M | $488.4M | $439.9M | |
| Gross profit | $263.5M | $292.5M | $328.4M | $327.5M | $308.0M | $260.4M | |
| Operating income | $60.5M | $102.2M | $137.8M | $143.3M | $94.4M | $112.0M | |
| Net income | $47.0M | $77.3M | $105.2M | $100.7M | $73.8M | $84.9M | |
| Diluted EPS | $0.92 | $1.58 | $2.18 | $2.12 | $1.56 | $1.77 | |
| Gross margin | 55.9% | 59.2% | 62.0% | 64.9% | 63.1% | 59.2% | |
| Operating margin | 12.8% | 20.7% | 26.0% | 28.4% | 19.3% | 25.5% |
Fiscal years (4-quarter sums)FY21 $987.1M · FY22 $1.25B · FY23 $1.79B · FY24 $1.76B · FY25 $2.00B
Balance sheet, Jun 30, 2026Cash & short-term investments $8.26B · Total debt $850.9M · Total assets $33.91B · Shareholders' equity $3.65B
Dividends
To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 1, 2026 | Jun 1 | Jun 15 | $0.20 |
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 43.47M · Float 42.43M · 97.6% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 5.60M | 12.88% | 13F | Aug 7, 2026 |
| T. Rowe Price Investment Management, Inc. | 3.39M | 7.79% | 13F | Aug 14, 2026 |
| Dimensional Fund Advisors LP | 2.87M | 6.61% | 13F | Aug 11, 2026 |
| AQR Capital Management LLC | 2.66M | 6.12% | 13F | Aug 14, 2026 |
| North Reef Capital Management L.P. | 2.58M | 5.60% | 13G | Apr 23, 2025 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jul 24, 2026 | Ellen Detrich | officer: Controller | −2,045 | $100.03 |
| Jun 15, 2026 | John Matthew Scurlock | officer: Chief Financial Officer | +44 | $101.29 |
| Jun 9, 2026 | Anna M. Alvarado | officer: Chief Legal Officer | −3,500 | $100.95 |
| Jun 8, 2026 | Rob C. Holmes | officer: Chairman, President and CEO | −49,500 | $101.22 |
| Jun 5, 2026 | Rob C. Holmes | officer: Chairman, President and CEO | −49,100 | $101.88 |
Peers
- Cullen/Frost Bankers
Texas-only bank competing across middle-market C&I, treasury, and private wealth
- Zions Bancorporation
Texas C&I bank via Amegy with overlapping treasury and private wealth services
- Stifel Financial
Top muni underwriter and mid-market IB firm competing on deals and deposits
- Western Alliance
Scaled national specialty banker expanding into TCBI's Texas CRE and C&I markets
- Pinnacle Financial Partners
Southeast peer matching TCBI's pivot to capital markets and full-service banking
- Piper Sandler
Pure-play middle-market IB overlapping on energy M&A and muni finance in Texas
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Texas Capital | $98.87 | +0.22% | $4.29B | 12.9 | 12.9 | 2.2 | +9.1% |
| Cullen/Frost Bankers | $161.69 | −0.01% | $10.05B | 15.3 | 14.3 | 3.8 | +9.4% |
| Zions Bancorporation | $67.78 | −0.01% | $9.89B | 8.6 | 10.3 | 1.9 | +4.8% |
| Stifel Financial | $81.29 | +0.04% | $12.32B | 9.6 | 11.6 | 1.8 | −1.4% |
| Western Alliance | $78.53 | −0.03% | $8.57B | 8.8 | 7.5 | 1.7 | +17.7% |
| Pinnacle Financial Partners | $101.09 | +0.02% | $15.26B | 12.4 | 9.4 | 3.1 | +145.2% |
| Piper Sandler | $75.61 | +0.11% | $5.10B | 17.5 | 15.2 | 2.4 | +25.8% |
| Median | 11.0 | 11.0 | 2.2 | +13.6% |