MARKETS / OUTRA / Financials / Banks / TCBI

OUTRA · STATE COMMERCIAL BANKS · LARGE CAP

Texas Capital Bancshares Inc. TCBI

17 fiscal years on record · USD · FY2025 reported · SEC filings only

Net income

$330.2M

▲ 326.1% YoY

Free cash flow

$347.6M

▼ 16.3% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

Texas Capital Bancshares, Inc. (“TCBI” or the “Company”) is a registered bank holding company and a full-service financial services firm that delivers customized solutions to businesses, entrepreneurs and individual customers. TCBI is headquartered in Dallas, with primary banking offices in Austin, Dallas, Fort Worth, Houston and San Antonio, and has built a network of clients across the country. The Company’s business activities are conducted primarily through its wholly-owned bank subsidiary Texas Capital Bank (the “Bank”) and its wholly-owned non-bank subsidiary, TCBI Securities Inc., doing business as Texas Capital Securities. The Bank is a Texas state-chartered bank. The Company was incorporated as a Delaware corporation in 1996 and commenced banking operations in 1998. Bask Bank is an online division of the Bank that offers depositors American Airlines AAdvantage® miles in lieu of cash interest as well as traditional interest bearing deposit products, such as checking accounts, savings accounts and certificates of deposit.

Written from the business description in Texas Capital Bancshares, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 10 February 2026. Every sentence was checked against that document before publication.

Growth

Revenue, FY2025 · full 17-year series below

Revenue $M Net income $M

FY2011 · Revenue 0.1 · Net income 76.0

30M60M

2009201220152018202120242025

Compound annual growth

Net income

−0.2%

+37.9%

+8.6%

EPS, diluted

+3.2%

+43.4%

+8.8%

+13.6%

Returned to shareholders

+17.2%

3 yrs

5 yrs

10 yrs

15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

ROE

FY2025 · ROE 9.4%

5%10%15%

200920172025

Three returns, three denominators.

Return on equity9.4%

Return on assets1.1%

Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Gross margin·

Operating margin·

Net margin·

EBITDAUSD 484.9M

Each USD of equity produced 9 cents of profit this year.

Cash & shareholders

USD 185.8M

returned in FY2025 · dividends + net buybacks

Free cash flow $B

FY2025 · FCF 0.3

1.0B2.0B-0.3B-0.6B

200920172025

Net buybacks $M Dividends $M

FY2025 · Dividends · · Net buybacks 185.8

100M200M

202020212022202320242025

Dividends paid·

Net buybacksUSD 185.8M

Share of profit56.3%

Consecutive raises·

USD 185.8M in buybacks — 56% of the year's profit went back to shareholders.

Total assetsUSD 31.5B

EquityUSD 3.6B

CashUSD 2.1B

Gross debtUSD 620.6M

Net debtUSD -1.5B

DepositsUSD 26.4B

The company holds more cash than debt.

The 17-year record

17 fiscal years

Every figure from documents filed with the SEC · USD

row low → row highnegative—not applicable◌not available in our data

TCBI, 17-year financial record
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue $B	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	0.0	0.0	0.0
Operating income $B	0.4	0.1	0.2	0.4	0.3	0.1	0.4	0.4	0.3	0.2	0.2	0.2	0.2	0.2	◌	◌	◌
EBITDA $B	0.5	0.2	0.3	0.5	0.4	0.2	0.4	0.4	0.4	0.3	0.2	0.2	0.2	0.2	◌	◌	◌
Income tax $B	0.1	0.0	0.1	0.1	0.1	0.0	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.0	0.0	0.0
Net income $B	0.3	0.1	0.2	0.3	0.3	0.1	0.3	0.3	0.2	0.2	0.1	0.1	0.1	0.1	0.1	0.0	0.0
Free cash flow $B	0.3	0.4	0.4	0.1	0.7	2.6	−0.3	−0.7	0.1	−0.7	0.1	0.1	0.2	0.1	0.1	−0.4	−0.1
EPS, diluted $	6.79	1.28	3.54	6.18	4.60	1.12	5.99	5.64	3.73	3.11	2.91	2.88	2.72	3.00	1.98	1.00	0.55
Dividend / sh $	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌
Payout % — not applicable: no dividend	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
ROE %	9.4	2.4	6.0	10.6	8.4	2.3	11.8	12.6	9.4	8.6	9.3	10.6	12.5	16.6	13.3	7.4	3.9

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

Other companies filing in the same sector

UNH · BRK-A · BRK-B · CI · ELV · CNC

Provenance

Company facts, as filed

How we verify · 0 failures in 50 reconciliationsAUDITED

Reconciled in 17 of the 17 fiscal years we could check. Two checks were skipped: the balance sheet is not tagged before 2009. Two checks were skipped: EPS is not tagged before 2009.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures

ActivityState Commercial Banks

Listed onanother exchange

Incorporated innot stated in the filings

Fiscal year endsDecember 31

Data on record since2009