TCBI Earnings Prediction
The chart below shows how TCBI performed 10 days before and after its earnings report, based on data from the past quarters. Typically, TCBI sees a -4.69% change in stock price 10 days leading up to the earnings, and a -0.75% change 10 days following the report. On the earnings day itself, the stock moves by -0.65%. This data can give you a slight idea of what to expect for the next quarter's release.
TCBI Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
275.24M
15.23%
136.14%
Gross Margin
--
--
--
Operating Margin
33.98%
218.76%
-153.04%
Net Margin
25.80%
205.69%
-149.04%
EPS
1.39
321.21%
-197.89%
No Data Available
TCBI Earnings Analysis
Texas Capital Bancshares Inc Corporation (TCBI.O) Earnings Conference Call
Positive
Strong Profitability Metrics: Record quarterly return on average assets of 1% and return on common equity of 10%, indicating strong profitability and effective capital utilization.
Net Revenue Surge: Pre-provision net revenue reached $115 million, marking a 45% increase linked quarter, showcasing significant operational leverage and efficiency improvements.
Quarterly Revenue Increase: Total adjusted revenue increased by $38 million or 14% for the quarter, driven by a $23.5 million rise in net interest income and a $14.4 million increase in non-interest revenue, reflecting robust financial performance.
Record Fee Income Growth: Fee income of $64.8 million was the highest since the beginning of the transformation, with a year-to-date adjusted non-interest revenue of $157 million, more than double the amount delivered in full year 2020.
Tangible Book Value Growth: Tangible book value per share increased by 14.3% year over year to a record level of $66.06, demonstrating strong capital growth and shareholder value enhancement.
Negative
Significant Net Income Loss: Net income to common was negative $65,600,000, indicating significant losses associated with the AFS bond portfolio repositioning and certain non-recurring items.
Commercial Real Estate Decline: Commercial real estate period end balances decreased by $374,000,000 or 7% in the quarter, reflecting elevated payoff rates and limited origination activity in a challenging market backdrop.
Modest Loan Growth: Total gross loans held for investment (LHI) excluding mortgage finance increased only a modest $71,000,000 linked quarter, highlighting limited credit demand and slow loan growth across the industry.
Credit Quality Concerns: Criticized loans increased slightly to 4% of total LHI, with a modest migration of credits into substandard categories, indicating potential credit quality concerns.
Revenue Guidance Reduction: The firm is reducing its revenue guidance to low single-digit growth for the full year, reflecting a cautious outlook amid changing economic conditions.
TCBI FAQs
How does TCBI typically perform around its earnings report dates?
Is Earnings call transcript: Texas Capital Q4 2024 beats EPS expectations positive or negative?
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TCBI Earning Call Sentiment
Earnings call transcript: Texas Capital Q4 2024 beats EPS expectations
TCBI.O
-1.83%Positive
The earnings call presents mixed signals. Record financial performance and optimistic 2025 expectations are positive, but the modest revenue guidance reduction and economic uncertainties offset these gains. The Q&A section reveals management's reluctance to provide detailed projections, adding to uncertainty. The absence of explicit shareholder return plans further tempers optimism. Given the company's market cap, the stock is likely to experience a neutral movement in the next two weeks.
