Texas Capital Bancshares, Inc. (TCBI) Earnings History
Elite Compounder27 years of earnings data (1999–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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Texas Capital Bancshares, Inc. (TCBI) Earnings Overview
As of June 22, 2026, Texas Capital Bancshares, Inc. (TCBI) reported trailing twelve-month net income of $357M, reflecting +431.3% year-over-year growth. The company earned $7.86 per diluted share over the past four quarters, with a net profit margin of 16.5%.
Looking at the long-term picture, TCBI's 5-year EPS compound annual growth rate (CAGR) stands at +43.4%, indicating exceptional earnings growth. The company achieved its highest annual net income of $332M in fiscal 2022.
Texas Capital Bancshares, Inc. maintains industry-leading profitability with a gross margin of 60.6%, operating margin of 22.2%, and net margin of 16.5%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including IBOC ($418M net income, 39.1% margin), FFIN ($254M net income, 30.7% margin), BOKF ($578M net income, 17.4% margin), TCBI has room to improve margins relative to the peer group. Compare TCBI vs IBOC →
TCBI Earnings vs Peers
Earnings metrics vs comparable public companies
TCBI Historical Earnings Data (1999–2025)
27 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $330M | +326.1% | $444M | $6.80 | 16.5% | 22.2% |
| 2024 | $78M | -59.0% | $107M | $1.28 | 4.4% | 6.1% |
| 2023 | $189M | -43.1% | $247M | $3.54 | 10.6% | 13.8% |
| 2022 | $332M | +30.9% | $432M | $6.18 | 26.7% | 34.7% |
| 2021 | $254M | +283.1% | $338M | $4.60 | 25.7% | 34.2% |
| 2020 | $66M | -78.8% | $92M | $1.12 | 5.6% | 7.8% |
| 2019 | $312M | +6.3% | $396M | $6.21 | 21.7% | 27.6% |
| 2018 | $293M | +48.9% | $373M | $5.79 | 23.9% | 30.4% |
| 2017 | $197M | +27.0% | $326M | $3.73 | 21.0% | 34.7% |
| 2016 | $155M | +7.1% | $241M | $3.11 | 20.3% | 31.6% |
| 2015 | $145M | +6.2% | $224M | $2.91 | 22.3% | 34.5% |
| 2014 | $136M | +12.6% | $212M | $2.88 | 24.5% | 38.1% |
| 2013 | $121M | +0.3% | $188M | $2.72 | 24.8% | 38.4% |
| 2012 | $121M | +58.8% | $189M | $3.00 | 27.3% | 42.7% |
| 2011 | $76M | +104.3% | $118M | $1.98 | 21.5% | 33.4% |
| 2010 | $37M | +54.0% | $57M | $1.00 | 11.9% | 18.2% |
| 2009 | $24M | -0.5% | $37M | $0.55 | 8.9% | 13.5% |
| 2008 | $24M | -17.5% | $38M | $0.87 | 8.9% | 13.9% |
| 2007 | $29M | +1.7% | $48M | $1.10 | 9.5% | 15.4% |
| 2006 | $29M | +6.4% | $44M | $1.09 | 11.4% | 17.3% |
| 2005 | $27M | +33.2% | $41M | $1.02 | 15.8% | 23.6% |
| 2004 | $20M | +47.5% | $30M | $0.77 | 17.3% | 25.4% |
| 2003 | $14M | +88.4% | $12M | $0.60 | 14.4% | 12.1% |
| 2002 | $7M | +25.7% | $10M | $0.32 | 9.3% | 12.5% |
| 2001 | $6M | +135.4% | $6M | $0.30 | 12.4% | 12.4% |
| 2000 | -$16M | -77.4% | -$16M | $-1.89 | -40.2% | -40.2% |
| 1999 | -$9M | - | -$9M | $-1.23 | -100.9% | -100.9% |
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TCBI — Frequently Asked Questions
Quick answers to the most common questions about buying TCBI stock.
What is TCBI earnings per share (EPS)?
TCBI trailing twelve-month (TTM) diluted EPS is $7.86, reflecting +431.3% year-over-year growth. The 5-year EPS CAGR is +43.4%. Complete EPS history from 1999 to 2025 is available in the table on this page.
What is Texas Capital Bancshares, Inc.'s net income?
Texas Capital Bancshares, Inc. (TCBI) trailing twelve-month net income is $357M as of 2025. Earnings grew +431.3% year-over-year. Texas Capital Bancshares, Inc. has been profitable for 25 consecutive years.
Is TCBI profitable?
Yes, TCBI is profitable with a TTM net income of $357M and a net profit margin of +16.5%. Texas Capital Bancshares, Inc. has generated profits for 25 consecutive years.
What is TCBI's earnings growth rate?
TCBI compound annual EPS growth rates (CAGR): 1-Year: +431.3%, 3-Year: +3.2%, 5-Year: +43.4%, 10-Year: +8.9%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1999 to 2025.
What are TCBI's profit margins?
Texas Capital Bancshares, Inc. net profit margin is +16.5%, operating margin is +22.2%, and gross margin is +60.6%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +9.4%.
Is TCBI growing earnings?
Yes, TCBI earnings are accelerating — EPS growth of +431.3% exceeds the 5-year CAGR of +43.4%. TTM net income reached $357M. Earnings momentum is strengthening.
What was TCBI's best earnings year?
Texas Capital Bancshares, Inc.'s highest annual net income on record is $332M, achieved in fiscal year 2022. Earnings history on this page spans 1999 to 2025 and includes all annual and quarterly figures.
What were TCBI's earnings last quarter?
TCBI's most recent reported quarter was Q1 2026. Net income was $74M with diluted EPS of $1.62. For a full breakdown of all quarters, see the quarterly earnings table on this page.