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Texas Capital Bancshares Earnings Calls
| Release date | Apr 23, 2026 |
| EPS estimate | $1.40 |
| EPS actual | $1.56 |
| EPS Surprise | 11.43% |
| Revenue estimate | 318.228M |
| Revenue actual | 323.985M |
| Revenue Surprise | 1.81% |
| Release date | Jan 22, 2026 |
| EPS estimate | $1.77 |
| EPS actual | $2.12 |
| EPS Surprise | 19.77% |
| Revenue estimate | 323.287M |
| Revenue actual | 327.483M |
| Revenue Surprise | 1.30% |
| Release date | Oct 22, 2025 |
| EPS estimate | $1.77 |
| EPS actual | $2.28 |
| EPS Surprise | 28.81% |
| Revenue estimate | 326.543M |
| Revenue actual | 460.615M |
| Revenue Surprise | 41.06% |
| Release date | Jul 17, 2025 |
| EPS estimate | $1.29 |
| EPS actual | $1.67 |
| EPS Surprise | 29.46% |
| Revenue estimate | 326.563M |
| Revenue actual | 493.636M |
| Revenue Surprise | 51.16% |
Last 4 Quarters for Texas Capital Bancshares
Below you can see how TCBIO performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 17, 2025 |
| Price on release | $20.55 |
| EPS estimate | $1.29 |
| EPS actual | $1.67 |
| EPS surprise | 29.46% |
| Date | Price |
|---|---|
| Jul 11, 2025 | $21.12 |
| Jul 14, 2025 | $20.78 |
| Jul 15, 2025 | $20.50 |
| Jul 16, 2025 | $20.45 |
| Jul 17, 2025 | $20.55 |
| Jul 18, 2025 | $20.70 |
| Jul 21, 2025 | $20.75 |
| Jul 22, 2025 | $20.45 |
| Jul 23, 2025 | $20.69 |
| 4 days before | -2.70% |
| 4 days after | 0.681% |
| On release day | 0.730% |
| Change in period | -2.04% |
| Release date | Oct 22, 2025 |
| Price on release | $20.46 |
| EPS estimate | $1.77 |
| EPS actual | $2.28 |
| EPS surprise | 28.81% |
| Date | Price |
|---|---|
| Oct 16, 2025 | $20.45 |
| Oct 17, 2025 | $20.53 |
| Oct 20, 2025 | $20.53 |
| Oct 21, 2025 | $20.63 |
| Oct 22, 2025 | $20.46 |
| Oct 23, 2025 | $20.53 |
| Oct 24, 2025 | $20.50 |
| Oct 27, 2025 | $20.77 |
| Oct 28, 2025 | $20.77 |
| 4 days before | 0.0489% |
| 4 days after | 1.52% |
| On release day | 0.342% |
| Change in period | 1.56% |
| Release date | Jan 22, 2026 |
| Price on release | $21.10 |
| EPS estimate | $1.77 |
| EPS actual | $2.12 |
| EPS surprise | 19.77% |
| Date | Price |
|---|---|
| Jan 15, 2026 | $20.79 |
| Jan 16, 2026 | $20.75 |
| Jan 20, 2026 | $20.69 |
| Jan 21, 2026 | $20.93 |
| Jan 22, 2026 | $21.10 |
| Jan 23, 2026 | $20.80 |
| Jan 26, 2026 | $20.89 |
| Jan 27, 2026 | $20.85 |
| Jan 28, 2026 | $20.92 |
| 4 days before | 1.49% |
| 4 days after | -0.85% |
| On release day | -1.42% |
| Change in period | 0.625% |
| Release date | Apr 23, 2026 |
| Price on release | $21.99 |
| EPS estimate | $1.40 |
| EPS actual | $1.56 |
| EPS surprise | 11.43% |
| Date | Price |
|---|---|
| Apr 17, 2026 | $22.01 |
| Apr 20, 2026 | $22.03 |
| Apr 21, 2026 | $21.99 |
| Apr 22, 2026 | $22.00 |
| Apr 23, 2026 | $21.99 |
| Apr 24, 2026 | $21.90 |
| Apr 27, 2026 | $21.71 |
| Apr 28, 2026 | $21.65 |
| Apr 29, 2026 | $21.58 |
| 4 days before | -0.0909% |
| 4 days after | -1.89% |
| On release day | -0.409% |
| Change in period | -1.98% |
Texas Capital Bancshares Earnings Call Transcript Summary of Q1 2026
Texas Capital reported a strong Q1 2026 driven by its strategic shift toward diversified, fee-based revenue and disciplined capital management. Leadership was repositioned to align private banking, commercial banking, operations, finance and HR to accelerate integrated client solutions. Financial highlights: adjusted EPS rose 72% YoY to $1.58; total revenue was $324 million (+16% YoY) with noninterest revenue up 56% and fee income (record) representing 21% of revenue. Investment banking, treasury fees and wealth all set records. Net interest margin expanded to 3.43% and net interest income was $254.7 million. Commercial loans grew (period-end commercial loans $12.5B, +10% YoY) while CRE balances continue a managed decline; mortgage finance balances were volatile but structurally improved with 67% in enhanced credit structures and an expected average warehouse balance near $6B for Q2. Credit posture remains conservative: allowance $331M (1.32% of LHI), provision guidance of 35–40 bps of average LHI (ex-mortgage finance), and isolated net charge-offs tied to previously identified credits. Capital actions: repurchased ~$75M of stock in Q1 and announced a new quarterly cash dividend ($0.20/share); CET1 at 11.99% and tangible common equity to tangible assets at 9.87% remain well above targets. Management reiterated 2026 guidance (mid- to high-single-digit total revenue growth; full-year noninterest revenue $265M–$290M) and indicated continued disciplined investment in talent, technology (including AI initiatives), and fee-building businesses. Remaining share repurchase authorization is ~$125M. Overall message: sustainable earnings momentum, stronger fee diversification, improved risk-adjusted mortgage finance economics, prudent capital returns, and unchanged full-year outlook.
