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Texas Capital Bancshares
Texas Capital Bancshares (TCBI) investor relations material
Texas Capital Bancshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Achieved record financial results in 2025, including record adjusted pre-provision net revenue of $488.8M, up 32% year-over-year, and the largest organic profitability improvement among commercial banks over $20B in assets in two decades.
Full-year adjusted ROAA reached 1.04%, up 30 bps from 2024, with Q4 ROAA at 1.2%, exceeding the 1.1% target for a second consecutive quarter.
Adjusted net income to common stockholders was $314M, up 53% year-over-year, with Q4 adjusted net income of $94.6M, up 45%.
Book value and tangible book value per share both increased 13% year-over-year, reaching record levels at $75.28 and $75.25, respectively.
Strategic focus on high-value client segments, operational excellence, and diversified fee income streams drove performance.
Financial highlights
Record adjusted total revenue of $1.3B, up 13% year-over-year; Q4 revenue up 15% to $327.5M.
Adjusted EPS of $6.80 for the year; Q4 EPS of $2.08.
Net interest margin for Q4 2025 was 3.38%, up 45 bps year-over-year, but down 9 bps sequentially.
Efficiency ratio improved to 56.2% in Q4 2025 from 60.7% in Q4 2024.
Fee income from strategic areas reached $192M, with treasury product fees up 24% and investment banking volumes up 40%.
Outlook and guidance
2026 revenue growth expected in the mid to high single digits, driven by client adoption and fee income growth.
Full-year non-interest revenue guidance of $265M-$290M, with investment banking fees projected at $160M-$175M.
Non-interest expense growth guided to mid-single digits, reflecting compensation and platform investments.
Provision expense outlook moderated to 35-40 bps of average LHI (ex-mortgage finance) due to economic uncertainty.
Tax rate for 2026 expected to be approximately 25%.
Capital deployment for callable instruments?
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Next Texas Capital Bancshares earnings date
Q1 202616 Apr, 2026
Texas Capital Bancshares
Next Texas Capital Bancshares earnings date
Q1 202616 Apr, 2026
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Frequently asked questions
Texas Capital Bancshares, Inc. operates as the holding company for Texas Capital Bank, offering a variety of banking and financial services to businesses, entrepreneurs, and individuals. The bank provides deposit products such as checking, savings, and money market accounts, as well as certificates of deposit. Its lending services include commercial loans, real estate loans, and consumer loans. Additionally, the bank offers treasury management, wealth management, and investment banking services tailored to its clients' needs. The company is headquartered in Dallas, Texas, and its shares are listed on the NASDAQ.
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