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For the quarter ended March 2025, Texas Capital (TCBI) reported revenue of $280.48 million, up 9.4% over the same period last year. EPS came in at $0.92, compared to $0.62 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $287.87 million, representing a surprise of -2.57%. The company delivered an EPS surprise of -7.07%, with the consensus EPS estimate being $0.99.
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:
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Efficiency Ratio: 72.4% versus the four-analyst average estimate of 71.2%.
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Net interest margin: 3.2% versus 3.1% estimated by four analysts on average.
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Net charge-offs to average total loans held for investment for last 12 months: 0.2% versus 0.2% estimated by three analysts on average.
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Average Balance - Total earning assets: $29.95 billion versus $30.88 billion estimated by three analysts on average.
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Total non-performing assets: $93.57 million versus the three-analyst average estimate of $117.49 million.
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Non-accrual loans held for investment: $93.57 million versus the three-analyst average estimate of $117.49 million.
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Net Interest Income: $236.03 million compared to the $230.46 million average estimate based on four analysts.
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Total Non-Interest Income: $44.44 million compared to the $57.34 million average estimate based on four analysts.
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Net Interest Income (FTE): $236.50 million compared to the $231.76 million average estimate based on three analysts.
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Service charges on deposit accounts: $7.84 million versus the two-analyst average estimate of $7.15 million.
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Other Non-Interest Income: $8.27 million versus the two-analyst average estimate of $8.44 million.
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Wealth management and trust fee income: $3.96 million compared to the $4.09 million average estimate based on two analysts.
View all Key Company Metrics for Texas Capital here>>>
Shares of Texas Capital have returned -14.5% over the past month versus the Zacks S&P 500 composite's -6.3% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.