Texas Capital Bancshares (TCA) AI Stock Analysis

Company Guidance

For the fourth quarter of 2026, total non interest expense is expected at $205 million to $210 million, including $125 million to $130 million of salaries and benefits expense and approximately $80 million of all other non interest expense; total non interest income is expected to be $70 million to $75 million, with investment banking and sales and trading contributing $45 million to $50 million, NII is expected at $270 million to $275 million and margin at 3.45% to 3.50%, and the mortgage finance self funding ratio is expected to increase to approximately 85%; for full-year 2026, adjusted total revenue growth is expected in the high single digits versus adjusted total revenue of $1.26 billion in 2025, full year noninterest income is expected to reach $295 million to $300 million, noninterest expense growth is expected in the mid to high single digits versus $768.9 million in 2025, and provision is expected at 35 to 40 basis points of average LHI, excluding mortgage finance, based on an additional 25 basis points increase in December and an upper bound of the Federal Funds target range of 4.25% at year end.