Texas Capital Bancshares (TCBI) Reports Record $314.6 Million Net Income in Q4 2025
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 22 2026
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Source: seekingalpha
- Strong Financial Performance: Texas Capital Bancshares reported adjusted net income of $314.6 million for Q4 2025, a 45% year-over-year increase, with earnings per share at $2.08, indicating a significant enhancement in profitability.
- Robust Revenue Growth: The full-year adjusted total revenue reached $1.26 billion, up 13% year-over-year, with net interest income growing 14% to $1.03 billion, demonstrating the company's sustained strength in interest income.
- Effective Expense Control: Adjusted noninterest expenses decreased by 2% to $186.4 million in Q4, reflecting the success of the company's expense realignment efforts, which further bolstered profitability.
- Positive Future Outlook: Management projects mid- to high single-digit total revenue growth for 2026, driven by client adoption and fee income expansion, showcasing the company's ongoing competitiveness and growth potential in the market.
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Analyst Views on TCBI
Wall Street analysts forecast TCBI stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for TCBI is 98.13 USD with a low forecast of 86.00 USD and a high forecast of 105.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
9 Analyst Rating
3 Buy
4 Hold
2 Sell
Hold
Current: 98.870
Low
86.00
Averages
98.13
High
105.00
Current: 98.870
Low
86.00
Averages
98.13
High
105.00
About TCBI
Texas Capital Bancshares, Inc. is a bank holding company and a full-service financial services firm that delivers customized solutions to businesses, entrepreneurs, and individual customers. The Company's business activities are conducted through its subsidiary, Texas Capital Bank. It offers a range of products and services for its business customers, including commercial loans; real estate term and construction loans; mortgage warehouse lending and mortgage finance services; treasury management services, including online banking, foreign exchange and debit and credit card services; investment banking and advisory services, and letters of credit. It also provides banking services for its individual customers, including personal wealth management and trust services; certificates of deposit; interest-bearing and non-interest-bearing checking accounts; traditional money market and savings accounts; loans; online and mobile banking; investment banking and advisory services, and Bask Bank.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
DA Davidson Raises Texas Capital (TCBI) Price Target to $104, Maintains Neutral Rating
- Strong Performance: Texas Capital reported a 1.20% return on assets (ROA) in its latest earnings report, exceeding market expectations and surpassing the 1.1% target for the second consecutive quarter, indicating robust profitability and growth potential.
- Price Target Increase: DA Davidson raised Texas Capital's price target from $94 to $104 while maintaining a Neutral rating, reflecting analysts' optimistic outlook on the company's future performance despite the unchanged rating.
- Future Outlook: Although management did not set a new ROA target, analysts believe that the 1.1% ROA will serve as a floor moving forward, based on a positive earnings outlook for 2026, suggesting continued growth for the company.
- Market Reaction: With the price target increase, market attention on Texas Capital is heightened, prompting investors to reassess its position in their portfolios in anticipation of future growth opportunities.
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