Texas Capital Bancshares, Inc.

Texas Capital Bancshares, Inc.

TCBIยทNASDAQ

$98.94

-0.57%
Financial ServicesBanks - Regional

Texas Capital Bancshares, Inc. operates as the bank holding company for Texas Capital Bank, is a full-service financial services firm that delivers customized solutions to businesses, entrepreneurs, and individual customers. The company offers commercial banking, consumer banking, investment banking, and wealth management services. It offers business deposit products and services, including commercial checking accounts, lockbox accounts, and cash concentration accounts, as well as information, wire transfer initiation, ACH initiation, account transfer, and service integration services; and consumer deposit products, such as checking accounts, savings accounts, money market accounts, and certificates of deposit. The company also provides commercial loans for general corporate purposes comprising financing working capital, internal growth, acquisitions, and business insurance premiums, as well as consumer loans; loans to exploration and production companies; mortgage finance loans; commercial real estate and residential homebuilder finance loans; first and second lien loans for the purpose of purchasing or constructing 1-4 family residential dwellings, as well as home equity revolving lines of credit and loans to purchase lots for future construction of 1-4 family residential dwellings; and real estate loans originated through a small business administration program, as well as equipment finance and leasing services, and letters of credit. In addition, it offers online and mobile banking, and debit and credit card services; escrow services; personal wealth management and trust services; and depositors American Airlines AAdvantage miles. It operates in Austin, Fort Worth, Dallas, Houston, and San Antonio metropolitan areas of Texas. Texas Capital Bancshares, Inc. was incorporated in 1996 and is headquartered in Dallas, Texas.

At a Glance

Live Snapshot
Market Cap$4.32B
EPS6.8700
P/E Ratio14.40
Earnings Date07/16/2026
3Y+143.0%
5Y-86.0%
10Y-150.0%
3Y-156.0%
5Y-37.0%
10Y+118.0%
3Y-106.0%
5Y-92.0%
10Y-85.0%
TCBI

Texas Capital Bancshares, Inc. Cash Conversion Engine

TCBI ยท NASDAQ
Net Income330.24M
Depreciation & Amortization52.17M
Stock-Based Compensation36.76M
Change in Working Capital-126.69M
Others51.79M
Capital Expenditures-12.57M
Free Cash Flow347.58M

Cash Flow Quality Analysis

FCF Conversion Rate

105.3%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

3.5%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

-16.5%

Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.

Working Capital Impact

-$126.69M

Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

Texas Capital Bancshares, Inc. Cash Flow Statement

TCBI โ€ข NASDAQ

Texas Capital Bancshares, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
330.2M
77.5M
189.1M
332.5M
253.9M
66.3M
312M
293.4M
197.1M
155.1M
144.9M
136.4M
121M
120.7M
76.1M
37.3M
24.4M
24.9M
29.4M
28.9M
52.2M
54.2M
40.5M
45.3M
93.4M
74.9M
37.3M
32M
27.9M
21.8M
16.5M
14.8M
11.5M
9.4M
9.1M
6.8M
7.8M
7.7M
7.6M
6.8M
15.9M
-16.1M
-17.8M
-17.4M
-20.3M
-8M
10.8M
-6.4M
31.3M
-2.9M
-3.6M
-4M
-11.6M
-3.1M
-3.5M
-5M
-8.7M
-4.1M
-3.5M
-1.4M
36.8M
24.7M
24.2M
21.4M
31.3M
17.4M
17.6M
16.9M
22M
13.6M
12.3M
14.6M
21M
12M
7.3M
6.8M
6M
4.7M
0.0
0.0
51.8M
303.5M
187.2M
-210.9M
214.9M
2.5B
-573.1M
-894.5M
-50.6M
-849.5M
-36.6M
16.2M
15M
684K
17.4M
-450.8M
-139.6M
-299.9M
38.1M
18.1M
(70.2M)
(52.8M)
(71.9M)
(128.4M)
(101.1M)
(26.2M)
(90M)
(75.4M)
(103.9M)
(88.3M)
(87.5M)
(75M)
(77.6M)
(69.1M)
(32.1M)
(27.1M)
(14.9M)
(22.5M)
(0.0)
(0.0)
-126.7M
37.3M
-49.5M
-23M
84M
16.4M
-44.8M
-121.1M
-95.4M
-64.4M
-64.6M
-20.2M
34.5M
-50.4M
-30.6M
920K
-30.8M
-48.9M
27.7M
-131.8M
360.2M
481.1M
373.7M
148M
657.3M
2.6B
-240.2M
-679.7M
132.2M
-726.3M
68.9M
157.7M
191.4M
89.3M
75.9M
-403.9M
-140.9M
-315.7M
99.3M
-79.4M
INVESTING ACTIVITIES
(0.0)
-64.8M
-16.4M
-11.3M
-4.1M
-2.8M
-16.7M
-7.7M
-12.3M
-2.2M
-5M
-15.7M
-4M
-3.5M
-3.3M
-3.8M
-4.6M
-5.8M
-15.5M
-19.2M
(0.0)
(0.0)
(0.0)
(3.3B)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-2.4M
(0.0)
-11.5M
-10.2M
(0.0)
(0.0)
(0.0)
(0.0)
-3.9M
-2B
-863.7M
-920.2M
-1.1B
-3B
-113.2M
-101.6M
-97.8M
-1.8M
(0.0)
(0.0)
-2K
-13K
-10M
(0.0)
(0.0)
-40.2M
-38.8M
-16.9M
833M
1.8B
355.7M
531.8M
569.9M
52.6M
6.2M
3.4M
99.2M
6.4M
10.8M
21M
34.4M
41.3M
50.7M
79.3M
131.2M
105.5M
109.9M
118.8M
-2.7B
-2.2B
-1.2B
384.1M
1.7B
16.6M
-2.2B
-1.9B
-3.2B
-852.7M
-2.5B
-3B
-1.3B
-2.3B
-1.8B
-297.6M
-466.3M
-578M
-733.8M
-639.4M
-1.9B
-2.5B
-1.8B
(3.3B)
(1.2B)
-2.9B
-2.3B
-2B
-3.2B
-850.2M
-2.5B
-3B
-1.3B
-2.3B
-1.7B
-232.3M
-339.7M
-518.5M
-678.2M
-556.7M
FINANCING ACTIVITIES
-193.2M
-90.6M
-109.2M
-119.5M
136.6M
-2M
-1.5M
-2.4M
-2.2M
234M
260K
256.9M
142.8M
87.3M
2.2M
13.3M
61M
58.7M
5.2M
6M
-595.4M
-815M
223.9M
-1B
-380.5M
570M
-1.5B
1.1B
800M
500M
400M
417.4M
-797M
429.1M
1.3B
-362.4M
-553.9M
491.4M
572.3M
11.8M
-17.3M
-17.3M
-17.3M
-17.3M
-18.7M
-9.8M
-9.8M
-9.8M
-9.8M
-9.8M
-9.8M
-9.8M
-7M
(0.0)
(0.0)
(0.0)
-1.2M
(0.0)
(0.0)
(0.0)
-185.9M
-81.5M
-105M
-115.3M
-150M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-75M
(0.0)
-8K
(0.0)
1.2B
2.9B
-485M
-5.3B
-2.9B
4.5B
5.4B
1.8B
2.4B
1.9B
2.5B
3.3B
1.7B
1.8B
240.5M
1B
1B
276.7M
372K
578.2M
404.3M
1.9B
-387.7M
-6.4B
-3.1B
5.1B
3.9B
2.8B
3.1B
2.6B
2.9B
4B
1B
2.3B
1.6B
690.7M
524M
826.8M
574.6M
592M
CASH FLOW SUMMARY
-1.1B
-54M
-1.8B
-2.9B
-1.3B
4.8B
1.3B
174.5M
66.2M
1B
460.4M
1.2B
-52.4M
95.8M
-69.3M
54.4M
43.4M
-7.4M
-4.3M
-44.1M
3.2B
3.2B
5B
7.9B
9.2B
4.4B
3.1B
2.9B
2.8B
1.8B
1.3B
153.9M
206.3M
110.6M
179.9M
125.4M
82M
89.5M
93.7M
137.8M
2.1B
3.2B
3.2B
5B
7.9B
9.2B
4.4B
3.1B
2.9B
2.8B
1.8B
1.3B
153.9M
206.3M
110.6M
179.9M
125.4M
82M
89.5M
93.7M
347.6M
416.3M
357.4M
136.7M
653.2M
2.6B
-256.8M
-687.4M
119.9M
-728.5M
63.9M
142M
187.3M
85.7M
72.6M
-407.8M
-145.5M
-321.5M
83.8M
-98.6M

SEC Filings

TCBI - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
10-Q

10-Q 2026 Q1

Q1

April 23, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 16, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 12, 2026
April 21, 2026
2026
8-K

8-K 2026

N/A

March 09, 2026
March 09, 2026
2026
8-K

8-K 2026

N/A

February 27, 2026
February 24, 2026
2026
8-K

8-K 2026

N/A

February 20, 2026
February 20, 2026
2026
10-K

10-K 2025 FY

FY

February 10, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 22, 2026
January 22, 2026
2026
8-K

8-K 2025

N/A

December 02, 2025
December 02, 2025
2025
8-K

8-K 2025

N/A

November 03, 2025
November 03, 2025
2025
Showing 1 to 10 of 353 filings