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Compared to Estimates, Texas Capital (TCBI) Q1 Earnings: A Look at Key Metrics
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Texas Capital (TCBI - Free Report) reported $323.99 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 15.5%. EPS of $1.58 for the same period compares to $0.92 a year ago.
The reported revenue represents a surprise of +1.4% over the Zacks Consensus Estimate of $319.52 million. With the consensus EPS estimate being $1.42, the EPS surprise was +11.27%.
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: 65.9% compared to the 66.4% average estimate based on six analysts.
Net interest margin: 3.4% versus 3.3% estimated by six analysts on average.
Net charge-offs to average total loans held for investment: 0.3% compared to the 0.3% average estimate based on five analysts.
Average Balance - Total earning assets: $30.2 billion compared to the $31.01 billion average estimate based on five analysts.
Total non-performing assets: $166.28 million compared to the $124.9 million average estimate based on three analysts.
Non-accrual loans held for investment: $144.95 million compared to the $124.9 million average estimate based on three analysts.
Total Non-Interest Income: $69.27 million versus the six-analyst average estimate of $63.21 million.
Net Interest Income: $254.72 million versus $255.86 million estimated by five analysts on average.
Brokered loan fees: $2.01 million versus $2.35 million estimated by four analysts on average.
Service charges on deposit accounts: $9.22 million compared to the $8.23 million average estimate based on four analysts.
Net Interest Income (FTE): $255.63 million compared to the $256.14 million average estimate based on four analysts.
Other Non-Interest Income: $11.38 million compared to the $8.21 million average estimate based on three analysts.
Shares of Texas Capital have returned +7.8% over the past month versus the Zacks S&P 500 composite's +9.7% 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.
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Compared to Estimates, Texas Capital (TCBI) Q1 Earnings: A Look at Key Metrics
Texas Capital (TCBI - Free Report) reported $323.99 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 15.5%. EPS of $1.58 for the same period compares to $0.92 a year ago.
The reported revenue represents a surprise of +1.4% over the Zacks Consensus Estimate of $319.52 million. With the consensus EPS estimate being $1.42, the EPS surprise was +11.27%.
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:View all Key Company Metrics for Texas Capital here>>>
Shares of Texas Capital have returned +7.8% over the past month versus the Zacks S&P 500 composite's +9.7% 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.