Texas Capital Bancshrs Pref Share TCBIO 5.75 Perp 06/15/26 B | 10-Q: FY2025 Q2 EPS: USD 1.58

EPS: As of FY2025 Q2, the actual value is USD 1.58.

EBIT: As of FY2025 Q2, the actual value is USD 102.19 M.

Segment Revenue

• Interest Income: Total interest income for the three months ended June 30, 2025, was $439.567 million, compared to $422.068 million for the same period in 2024. For the six months ended June 30, 2025, total interest income was $866.856 million, compared to $839.446 million for the same period in 2024.

Operational Metrics

• Net Interest Income: Net interest income for the three months ended June 30, 2025, was $253.395 million, compared to $216.582 million for the same period in 2024. For the six months ended June 30, 2025, net interest income was $489.429 million, compared to $431.591 million for the same period in 2024.
• Provision for Credit Losses: Provision for credit losses for the three months ended June 30, 2025, was $15 million, compared to $20 million for the same period in 2024. For the six months ended June 30, 2025, provision for credit losses was $32 million, compared to $39 million for the same period in 2024.
• Non-interest Income: Non-interest income for the three months ended June 30, 2025, was $54.069 million, compared to $50.424 million for the same period in 2024. For the six months ended June 30, 2025, non-interest income was $98.513 million, compared to $91.743 million for the same period in 2024.
• Non-interest Expense: Non-interest expense for the three months ended June 30, 2025, was $190.276 million, compared to $188.409 million for the same period in 2024. For the six months ended June 30, 2025, non-interest expense was $393.296 million, compared to $390.802 million for the same period in 2024.

Cash Flow

• Net Cash Provided by Operating Activities: For the six months ended June 30, 2025, net cash provided by operating activities was $63.365 million, compared to $129.091 million for the same period in 2024.
• Net Cash Used in Investing Activities: For the six months ended June 30, 2025, net cash used in investing activities was - $1,644.610 million, compared to - $1,781.461 million for the same period in 2024.
• Net Cash Provided by Financing Activities: For the six months ended June 30, 2025, net cash provided by financing activities was $1,082.579 million, compared to $1,322.599 million for the same period in 2024.

Unique Metrics

• Loans Held for Investment: Total loans held for investment were $23.925 billion at June 30, 2025, an increase from $22.450 billion at December 31, 2024.

Future Outlook and Strategy

• Core Business Focus: The Company aims to maintain its liquidity strategy by focusing on customer deposits, supplemented by short-term borrowings and long-term debt. The Company also plans to continue its share repurchase program, which allows for repurchase of up to $200 million in shares of its outstanding common stock.
• Non-Core Business: The Company may consider raising additional capital through public or private offerings of debt or equity securities to supplement deposits and meet its long-term funding needs.