NASDAQ$TCBI

Texas Capital Bancshares Inc. · Q4 2024 earnings

Q4 2024 earnings · · Before market open · Investor relations

Briefing

Texas Capital Bancshares reported net income available to common stockholders of $66.7 million, or $1.43 per diluted share, compared to net income available to common stockholders of $15.8 million, or $0.33 per diluted share, for the fourth quarter of 2023.

Texas Capital Bancshares, Inc. announced strong fourth quarter and full year 2024 results, demonstrating significant strategic milestones and client adoption trends, positioning the firm to deliver in 2025.

  • Income in fee areas of focus increased 38% year-over-year.
  • Strong balance sheet growth with total deposits increasing 13% and total loans growing 10% year-over-year.
  • Book Value and Tangible Book Value per share both increased 8% year-over-year, reaching record levels.
  • Capital ratios continue to be strong, including 11.4% CET1 and 15.4% Total Capital

Headline financials

Total Revenue

$284M

Previous: $246M+15.4%
EPS (adj)

$1.43

Previous: $0.65+120.0%
Net Interest Margin

2.9%

Previous: 2.9%+0.0%
Return on Avg. Assets

0.9%

No prior period
Return on Avg. Common Equity

8.5%

No prior period
Efficiency Ratio

60.7%

Previous: 81.9%-25.9%
Tangible Common Equity Ratio

10.0%

Previous: 10.2%-2.0%
Common Equity Tier 1

11.4%

No prior period
Tier 1 Capital

12.8%

Previous: 14.2%-9.9%
Total Capital

15.4%

Previous: 17.1%-9.9%
Leverage Ratio

11.3%

Previous: 12.2%-7.4%
Net Income

$71M

Previous: $20.2M+252.5%
Operating Income

$93.5M

No prior period

Revenue & EPS history

Texas Capital Bancshares · Revenue · Quarterly

$284M

Q4 2024+15.4%vs Q4 2023
Beat estimate in 10 of 14 quarters(71%)
ActualEstimate

Revenue by segment

Texas Capital Bancshares · $215M total across 2 segments · Q3 2021

  • Net Interest Income
    $194M
  • Non-Interest Income
    $21.2M

Forward guidance

This communication contains forward-looking statements within the meaning of and pursuant to the Private Securities Litigation Reform Act of 1995 regarding, among other things, TCBI’s financial condition, results of operations, business plans and future performance.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2024

Historical avgQ4 2024

+0.4%

Avg return

Earnings day

+0.8%

Avg return

5 days after

+3.7%

Avg return

30 days after

56%

37 / 66 earnings

Positive

+11.3%

Q3 2013

Best reaction

-13.4%

Q3 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.7%-1.7%-3.1%
Q4 2025-0.1%-4.5%+2.7%
Q3 2025+3.1%+2.3%+7.2%
Q2 2025+0.4%-0.8%+3.2%
Q1 2025+1.4%+1.1%+16.4%
Q4 2024-4.5%-3.4%-1.2%
Q3 2024+0.7%-1.3%+10.9%
Q2 2024-6.6%-4.8%-12.9%
Q1 2024+4.9%+7.6%+11.5%
Q4 2023+3.5%+1.5%-3.4%
Q3 2023-7.9%-7.3%-5.5%
Q2 2023+3.3%+1.4%-2.9%
Q1 2023+1.7%-3.6%-3.8%
Q4 2022+1.3%+3.0%+6.3%
Q3 2022-13.4%-11.9%-13.1%
Q2 2022+1.4%+0.9%+13.0%
Q1 2022-6.5%-8.7%-12.0%
Q4 2021-0.3%+1.1%+4.2%
Q3 2021-2.7%-3.1%-5.4%
Q2 2021+2.1%+4.0%+7.3%
Q1 2021-1.1%+4.0%+7.5%
Q4 2020-3.8%-7.9%+8.7%
Q3 2020+9.6%+15.6%+45.3%
Q2 2020+9.2%+10.5%+12.9%
Q1 2020+6.1%+23.6%+30.3%
Q4 2019-0.2%-1.6%+4.5%
Q3 2019+2.4%+1.1%+6.7%
Q2 2019-4.6%-0.9%-6.7%
Q1 2019+6.7%+6.7%+3.3%
Q4 2018-0.5%+5.3%+6.1%
Q3 2018-11.7%-16.0%-21.0%
Q2 2018+4.7%+3.9%+1.0%
Q1 2018+7.4%+7.8%+10.0%
Q4 2017-0.3%-2.0%-6.8%
Q3 2017+3.7%+3.6%-2.6%
Q2 2017+4.5%+3.9%-6.9%
Q1 2017-6.3%-2.9%-4.4%
Q4 2016+8.4%+5.8%+14.2%
Q3 2016+3.7%+2.7%+26.5%
Q2 2016-2.3%-2.2%+1.3%
Q1 2016+5.9%
Q4 2015-12.9%
Q3 2015-0.8%
Q2 2015+0.2%
Q1 2015+2.9%
Q4 2014-6.0%
Q3 2014+0.6%
Q2 2014+3.5%
Q1 2014-11.8%
Q4 2013-4.3%
Q3 2013+11.3%
Q2 2013-3.1%
Q1 2013-3.5%
Q4 2012-10.6%
Q3 2012-0.2%
Q2 2012+1.6%
Q1 2011+10.0%
Q1 2012+10.0%
Q4 2010+1.6%
Q1 2010+1.6%
Q4 2011+1.6%
Q4 2009+1.6%
Q3 2010-1.5%
Q3 2011-1.5%
Q2 2011+7.3%
Q2 2010+7.3%

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