Texas Capital Bancshrs Pref Share TCBIO 5.75 Perp 06/15/26 B | 8-K: FY2025 Q3 Revenue: USD 340.35 M

LB filings
2025.10.22 20:09
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Revenue: As of FY2025 Q3, the actual value is USD 340.35 M.

EPS: As of FY2025 Q3, the actual value is USD 2.18.

EBIT: As of FY2025 Q3, the actual value is USD -133.99 M.

Segment Revenue

  • Investment Banking and Trading Income: $56.3 million in Q3 2025, up 5% YoY.
  • Treasury Product Fees: $11.1 million in Q3 2025, up 23% YoY.

Operational Metrics

  • Net Income: $105.2 million for Q3 2025, compared to $77.3 million in Q2 2025 and a net loss of - $61.3 million in Q3 2024.
  • Net Income Available to Common Stockholders: $100.9 million for Q3 2025, compared to $73.0 million in Q2 2025 and a net loss of - $65.6 million in Q3 2024.
  • Pre-Provision Net Revenue: $149.8 million for Q3 2025, compared to $117.2 million in Q2 2025 and - $69.9 million in Q3 2024.
  • Net Interest Income: $271.8 million for Q3 2025, compared to $253.4 million in Q2 2025 and $240.1 million in Q3 2024.
  • Non-Interest Income: $68.6 million for Q3 2025, compared to $54.1 million in Q2 2025 and - $114.8 million in Q3 2024.
  • Non-Interest Expense: $190.6 million for Q3 2025, compared to $190.3 million in Q2 2025 and $195.3 million in Q3 2024.
  • Provision for Credit Losses: $12.0 million for Q3 2025, compared to $15.0 million in Q2 2025 and $10.0 million in Q3 2024.
  • Efficiency Ratio: 56.0% in Q3 2025, improved from 61.1% in Q2 2025.

Cash Flow

  • Operating Cash Flow: Not explicitly detailed in the reference.
  • Free Cash Flow: Not explicitly detailed in the reference.

Unique Metrics

  • Assets Under Management: $4.2 billion in Q3 2025, up 3% YoY.
  • Total LHI excl. mortgage finance: Increased $1.4 billion or 8% YoY.

Outlook / Guidance

  • Texas Capital Bancshares, Inc. anticipates continued growth in fee income, return on assets, and balance sheet resilience, positioning itself as a flagship financial services firm in Texas.
  • The firm expects low double-digit percentage growth in total revenue for the full year 2025.
  • Non-interest expense guidance has been adjusted to mid single-digit percent annual growth.
  • The tax rate is expected to be approximately 24% for the full year 2025.
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