TCBI at a glance
TEXAS CAPITAL BANCSHARES INC/TX (TCBI, SEC CIK 1077428) filed its latest 10-K annual report on February 10, 2026, a 10-Q quarterly report on July 23, 2026, an 8-K current report on September 16, 2026 and Form 4 insider filings as recently as August 20, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), TEXAS CAPITAL BANCSHARES INC/TX (TCBI) reported revenue of $1.8 billion (up 2.4% from FY2024) and net income of $330.2 million. Diluted EPS was $6.79.
- The most recent insider open-market sale reported on Form 4 was by Detrich Ellen on July 24, 2026 of 2,045 shares at $100.03 per share.
- In the last 90 days, TCBI insiders reported 0 open-market purchases ($0) and 1 open-market sale ($205K) on Form 4, a net sale of $205K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $1.8B
- +2.4% vs prior year
- Insiders · 90 days
- 0 buys · 1 sell
- Net −$205K
- Latest 8-K
- Sep 16, 2026
- Item 5.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business: full-service financial services firm serving businesses, entrepreneurs, individuals via Texas Capital Bank and broker-dealer Texas Capital Securities
- Regulatory change: effective Sept 19, 2025, Texas Capital Bank joined Federal Reserve System, shifting primary federal regulation from FDIC to Federal Reserve
- Loan portfolio growth: loans held for investment increased to $23.77B from $22.18B, with net interest income rising to $1.03B from $901M in prior year
- Significant net income increase to $330M in 2025 from $77.5M in 2024, driven by higher interest income and improved credit loss provision of $55M
- Treasury stock repurchased increased sharply to 7.5M shares at cost $488M vs 5.3M shares $302M prior year, indicating aggressive share buyback program
Risk Factors
- Regulatory risk: Compliance with SEC guidance on critical accounting estimates impacting allowance for credit losses under ASC 326
- Macroeconomic threat: Credit loss allowance could rise $108.7 million under most severe downside economic scenario as of December 31, 2025
- Operational risk: Reliance on management’s judgment in estimating credit loss allowances using qualitative and quantitative factors, including PLQF and SLQF
- Financial risk: $185.8 million spent on share repurchases in 2025 at an average price of $82.01 per share under $200 million repurchase program
- Capital structure risk: Active management of debt maturity with potential repurchases/redemptions of subordinated notes subject to regulatory and indebtedness compliance
Management Discussion & Analysis
- Revenue $1.26B (net interest $1.03B + non-interest $227M) in 2025, vs $932.3M in 2024; net interest income up $127.3M YoY
- Operating margin proxy: net income $330.2M vs $77.5M with ROE 9.59% vs 2.04%, net interest margin improved 3.35% vs 3.03%
- Best segment: Commercial loans $12.25B (+$1.11B), worst segment consumer loans $434.4M (-$131M)
- Cash flow/capex not detailed; equity grew to $3.56B from $3.26B; $17.25M preferred dividends paid
- Forward outlook: focus on credit quality with reduced provision for credit losses $55M vs $67M; management cautious on Texas concentration risk and real estate collateral values
AI summary of the TCBI 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net revenue $335.5M, up $28.0M YoY, driven by net interest income $260.4M and non-interest income $75.1M
- Net interest margin 3.28% vs 3.35% YoY; ROA 1.03% vs 0.99%; ROE 9.56% vs 9.17%
- Investment banking and advisory fees strongest line at $31.5M, up from $24.1M; brokered loan fees weakest at $2.1M, down from $2.4M
- Interest-bearing cash $3.49B vs $1.90B at December 31; brokered deposits $3.36B vs $729.2M
- Credit headwinds: criticized loans $696.3M; net charge-offs $33.4M; Texas economic conditions, inflation, rates, and geopolitical risks cited
Risk Factors
- Risk Factors section not provided; no changes from the 2025 Form 10-K can be assessed
- New $200.0 million repurchase program expires December 31, 2026
- Share repurchases reduced remaining authorization to $102.0 million at June 30, 2026
- Chief Legal Officer adopted a Rule 10b5-1 plan covering up to 7,000 shares through June 17, 2027
AI summary of the TCBI 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Chief Risk Officer David Oman departed immediately on September 16, 2026, through a mutual decision
- Company stated departure was unrelated to financial condition, controls, disclosures, or enterprise risk management
Item 3.01: Notice of Delisting or Failure to Satisfy a Continued Listing Rule
- Voluntary transfer of common and Series B preferred listings from Nasdaq to Texas Stock Exchange
- Nasdaq trading expected through October 7, 2026; TXSE trading begins October 8, 2026
Item EX-99.1: Item EX-99.1
- Primary listing of common and 5.75% Series B preferred stock moving from Nasdaq to TXSE
- TXSE trading begins October 8, 2026; Nasdaq trading ends October 7, 2026
Item 7.01: Regulation FD Disclosure
- TCBI transferring equity-security listing to the Texas Stock Exchange (TXSE)
- Listing migration may improve regional-market visibility and investor access
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 results covered quarter ended June 30, 2026
- Press release and presentation issued July 22, 2026
Item EX-99.1: Item EX-99.1
- Q2 net income $80.6M, up 10% YoY; diluted EPS $1.83 versus $1.58, supporting improved earnings momentum
- Fee income reached record levels, with non-interest income $75.1M, up 39% YoY; investment banking and trading were key contributors
AI summaries of TCBI 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for TCBI
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Alvarado Anna M | G | Aug 19, 2026 | 51 | - |
| Detrich Ellen | Sell | Jul 24, 2026 | 2,045 | $100.03 |
| Oman David W | M | Jul 1, 2026 | 2,748 | - |
| Oman David W | M | Jul 1, 2026 | 2,748 | - |
| Oman David W | F | Jul 1, 2026 | 1,357 | $104.54 |
| Scurlock John Matthew | Buy | Jun 15, 2026 | 43.905 | $101.29 |
| Alvarado Anna M | Sell | Jun 9, 2026 | 3,500 | $100.95 |
| Holmes Rob C | Sell | Jun 8, 2026 | 49,500 | $101.22 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $1.6B | $1.7B | $1.8B |
| Net Income | $189.1M | $77.5M | $330.2M |
| Net Margin | 11.6% | 4.5% | 18.6% |
| Balance Sheet | |||
| Total Assets | $28.4B | $30.7B | $31.5B |
| Equity | $3.2B | $3.4B | $3.6B |
| ROE | 5.9% | 2.3% | 9.1% |
| Per Share | |||
| EPS | - | $1.28 | $6.79 |
| Cash Flow | |||
| Operating CF | $373.7M | $481.1M | $360.2M |
| CapEx | $16.4M | $64.8M | $12.6M |
Source: XBRL data in TEXAS CAPITAL BANCSHARES INC/TX (TCBI)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
TCBI filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Sep 16, 2026 | - | Analysis | - |
| 8-K | Sep 14, 2026 | - | Analysis | - |
| 4 | Aug 20, 2026 | - | - | - |
| 4 | Jul 27, 2026 | - | - | - |
| 10-Q | Jul 23, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 22, 2026 | - | Analysis | - |
| 4 | Jul 6, 2026 | - | - | - |
| 4 | Jun 16, 2026 | - | - | - |
| 4 | Jun 10, 2026 | - | - | |
| 4 | Jun 8, 2026 | - | - | |
| SC 13G | May 14, 2026 | - | - | |
| SC 13G | Apr 30, 2026 | - | - | |
| 4 | Apr 29, 2026 | - | - | - |
| 4 | Apr 29, 2026 | - | - | - |
| 4 | Apr 29, 2026 | - | - | - |
| 4 | Apr 29, 2026 | - | - | - |
| 4 | Apr 29, 2026 | - | - | - |
| 4 | Apr 29, 2026 | - | - | - |
| 4 | Apr 29, 2026 | - | - | - |
| 4 | Apr 29, 2026 | - | - | - |
| 4 | Apr 29, 2026 | - | - | - |
| 4 | Apr 23, 2026 | - | - | - |
| 4 | Apr 23, 2026 | - | - | - |
| 10-Q | Apr 23, 2026 | Mar 31, 2026 | Analysis | |
| 4 | Apr 23, 2026 | - | - | - |
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TCBI SEC filings: frequently asked questions
Are TCBI insiders buying or selling?
In the last 90 days, TEXAS CAPITAL BANCSHARES INC/TX (TCBI) officers, directors and 10% owners reported no open-market purchases and 1 open-market sale worth $204,561 by 1 insider on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
What was TCBI's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), TEXAS CAPITAL BANCSHARES INC/TX (TCBI) reported revenue of $1.8 billion (up 2.4% from FY2024) and net income of $330.2 million. Diluted EPS was $6.79. The figures come from the XBRL data in the 10-K.
What are the main risks in TCBI's latest 10-K?
In the 10-K filed February 10, 2026, TEXAS CAPITAL BANCSHARES INC/TX (TCBI) flagged: Regulatory risk: Compliance with SEC guidance on critical accounting estimates impacting allowance for credit losses under ASC 326. Macroeconomic threat: Credit loss allowance could rise $108.7 million under most severe downside economic scenario as of December 31, 2025. (AI summary of the Risk Factors section.)
What did TCBI report in its latest 8-K?
TEXAS CAPITAL BANCSHARES INC/TX (TCBI) filed an 8-K on September 16, 2026 reporting Item 5.02 (Departure/Appointment of Directors or Principal Officers). Chief Risk Officer David Oman departed immediately on September 16, 2026, through a mutual decision.
What are the latest TCBI SEC filings?
TEXAS CAPITAL BANCSHARES INC/TX (TCBI) filed its latest 10-K annual report on February 10, 2026, a 10-Q quarterly report on July 23, 2026, an 8-K current report on September 16, 2026 and a Form 4 insider filing on August 20, 2026.
What is TCBI's SEC CIK number?
TEXAS CAPITAL BANCSHARES INC/TX (TCBI)'s SEC Central Index Key (CIK) is 1077428. EDGAR lists every TCBI filing under that number.
Ask anything about TCBI
The research agent reads TCBI's filings, financials, insider trades and 13F holders, then answers with sources.