Texas Capital Bancshares (TCA) Stock Price & Analysis
TCA Stock Chart & Stats
- Day’s Range
- EUR 90.00 - EUR 91.00
- 52-Week Range
- EUR 70.50 - EUR 93.00
- Previous Close
- EUR 91.50
- Volume
- N/A
- Average Volume (3M)
- 0
- Market Cap
- EUR 3.96B
- Enterprise Value
- EUR 2.17B
- Total Cash (Recent Filing)
- EUR 4.29B
- Total Debt (Recent Filing)
- EUR 487.27M
- Price to Earnings (P/E)
- 11.5
- Beta
- 0.59
- Next Earnings
- Jan 21, 2027 (Est.)
- EPS Estimate
- 1.82
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 0.38%
Bulls Say, Bears Say
Bulls Say
Commercial Loan Growth
Sustained commercial loan expansion shows strengthening client demand and growing relevance in the bank’s core business franchise. Commercial lending now represents a larger share of loans, supporting recurring interest income and providing a durable platform for treasury, payments, and other fee relationships.
Diversified Fee Growth
Strong growth in noninterest income reduces reliance on lending spreads and broadens the company’s earnings base. Momentum across investment banking, trading, treasury, and wealth management can improve revenue resilience because multiple client services contribute to relationship economics.
Capital And Balance-sheet Strength
Substantially lower leverage and solid regulatory capital improve the bank’s capacity to absorb credit losses and continue investing through changing conditions. The stronger balance sheet also supports customer confidence, disciplined growth, and greater flexibility in managing funding and risk.
Bears Say
Commercial Real Estate Contraction
Persistent commercial real estate contraction removes a meaningful source of loan balances and interest income from the portfolio. Historically low construction starts and limited financing appetite may keep commitments declining, making replacement growth and efficient deployment of capital more important.
Mortgage Finance And Deposit Runoff
The contraction in mortgage finance reduces both earning assets and related deposit funding, while broker-deposit runoff can make balance-sheet growth more difficult. Although the runoff is linked to lower mortgage balances, it still creates pressure on scale, liquidity management, and revenue generation.
Credit Quality Pressure
Rising criticized loans indicate that credit stress is broadening beyond an isolated issue and could require additional monitoring or provisioning. Pressure in multifamily real estate and commercial borrowers may weaken future earnings through higher loss costs and constrain willingness to expand risk.
Texas Capital Bancshares News
TCA FAQ
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Texas Capital Bancshares Stock Smart Score
Company Description
Texas Capital Bancshares
Texas Capital Bancshares, Inc. serves as the holding company for Texas Capital Bank, operating as a comprehensive financial services firm that delivers tailored solutions to businesses, entrepreneurs, and individual clients. Its offerings encompass commercial banking, consumer banking, investment banking, and wealth management. The company provides businesses with various deposit accounts, such as commercial checking, lockbox, and cash concentration services, alongside digital banking tools for information access, wire transfers, ACH initiation, and account integration. For individual clients, it offers checking, savings, money market accounts, and certificates of deposit. Regarding lending, the firm extends a broad spectrum of options, including commercial loans to fund working capital, growth initiatives, acquisitions, and business insurance premiums, in addition to consumer loans. Specialized financing is available for exploration and production companies, mortgage finance, commercial real estate, and residential homebuilder projects. Furthermore, it offers first and second lien loans for purchasing or constructing 1-4 family residences, home equity revolving lines of credit, and loans for acquiring residential lots. SBA-backed real estate loans, equipment financing and leasing services, and letters of credit round out its lending portfolio. Beyond its core banking and lending activities, clients benefit from online and mobile banking platforms, debit and credit card services, escrow management, and comprehensive personal wealth and trust services. Depositors also have the opportunity to earn American Airlines AAdvantage miles. Its operations are focused within the Austin, Fort Worth, Dallas, Houston, and San Antonio metropolitan areas of Texas. Established in 1996, the firm maintains its headquarters in Dallas, Texas.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Robert C. Holmes
- Employees
- 1,785
- Website
- www.texascapitalbank.com
- Address
- 2000 McKinney Avenue, Dallas, TX, 75201, US
Texas Capital Bancshares (TCA) Earnings & Revenues
TCA Company Deck
TCA Earnings Call
Earnings Call SentimentPositive
The call was strongly positive, with record earnings, revenue, net interest income, fee income, pre-provision net revenue, commercial loan growth, improved full-year revenue guidance, strong capital ratios, and continued momentum in investment banking, treasury, and wealth management. The main challenges were declining commercial real estate and mortgage finance balances, lower total deposits linked to broker-deposit runoff, higher expenses from hiring and technology restructuring, and ongoing credit and macroeconomic pressures. Management nevertheless characterized the firm as operating from a position of financial resilience and maintained its positive operating leverage and credit outlook.
View all DE:TCA earnings summariesTCA Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 1 | 7 |
| Technical Analysis | 3 | 1 | 6 |
| Moving Averages | 11 | 0 | 1 |
