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Texas Capital (TCBI) reported $335.5 million in revenue for the quarter ended June 2026, representing a year-over-year increase of 9.1%. EPS of $1.88 for the same period compares to $1.63 a year ago.
The reported revenue represents a surprise of +1.27% over the Zacks Consensus Estimate of $331.28 million. With the consensus EPS estimate being $1.85, the EPS surprise was +1.62%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Texas Capital performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:- Efficiency Ratio: 61.3% versus the four-analyst average estimate of 60.2%.
- Net interest margin: 3.3% compared to the 3.4% average estimate based on four analysts.
- Net charge-offs to average total loans held for investment: 0.3% versus the three-analyst average estimate of 0.3%.
- Average Balance - Total earning assets: $31.85 billion compared to the $31.14 billion average estimate based on three analysts.
- Total non-performing assets: $123.98 million versus $168.65 million estimated by three analysts on average.
- Non-accrual loans held for investment: $123.98 million compared to the $162.58 million average estimate based on three analysts.
- Total Non-Interest Income: $75.12 million versus $69.24 million estimated by four analysts on average.
- Net Interest Income: $260.38 million versus $262.05 million estimated by four analysts on average.
- Other Non-Interest Income: $16.19 million versus the two-analyst average estimate of $9.96 million.
- Service charges on deposit accounts: $8.85 million versus the two-analyst average estimate of $9.12 million.
- Net Interest Income (FTE): $261.24 million versus $263.25 million estimated by two analysts on average.
- Wealth management and trust fee income: $5.14 million versus the two-analyst average estimate of $4.38 million.
View all Key Company Metrics for Texas Capital here>>>
Shares of Texas Capital have returned +2.3% over the past month versus the Zacks S&P 500 composite's +0.3% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.This article originally published on Zacks Investment Research (zacks.com).
