TCBI

LendingTree, Inc. TREE reported second-quarter 2026 adjusted net income per share of $1.27, which missed the Zacks Consensus Estimate of $1.46. The figure compares favorably with $1.13 reported in the prior-year quarter. Shares of the company plunged nearly 3.8% in yesterday’s trading session following the release of lower-than-expected results and a lowered full-year 2026 outlook. Results were affected by a decline in Consumer segment revenues and higher total costs. However, growth in revenues and adjusted EBITDA, along with strong Insurance segment performance, supported the results to some extent. Results exclude certain non-recurring items. After considering these, TREE reported a GAAP net income of $9.6 million, or 68 cents per share, compared with $8.9 million, or 65 cents per share, in the year-ago quarter. Total revenues in the second quarter increased 25.3% year over year to $313.4 million. The reported figure missed the Zacks Consensus Estimate of $315.07 million by 0.5%. Total cost of revenues was $11.3 million, up 12.4% from the prior-year quarter. Total costs and expenses were $291.6 million, up 27.2% from the previous-year quarter. Adjusted EBITDA totaled $35.2 million, up 10.6% from the year-ago quarter. The variable marketing margin was $87.3 million, up 4.4%. As of June 30, 2026, cash and cash equivalents were $110.8 million compared with $85.5 million as of March 31, 2026. Long-term debt was $386.4 million compared with $387 million as of March 31, 2026. Home segment revenues increased 9% year over year to $43.9 million. Segment profit declined 14% year over year to $11.3 million. Consumer segment revenues decreased 4% year over year to $60.3 million. Segment profit fell 14% year over year to $27.6 million. Insurance segment revenues grew 42% year over year to $209.3 million. Segment profit increased 25% year over year to $50 million. Third-Quarter 2026 Total revenues are projected to be between $325 million and $335 million. Adjusted EBITDA is anticipated to be between $34 million and $36 million. The variable marketing margin is anticipated to be between $88 million and $93 million. 2026 Total revenues are expected to be between $1.30 billion and $1.32 billion compared with the prior range of $1.30 billion to $1.35 billion. Adjusted EBITDA is projected to be in the range of $145-$152 million compared with the previous range of $152-$162 million. The variable marketing margin is expected to be in the range of $364-$374 million compared with $378-$395 million previously. TREE’s Consumer segment weakness and higher total costs remain concerns. Nevertheless, its diversified online lending platform, strong Insurance segment performance and efforts to expand non-mortgage product offerings are expected to support revenue growth in the future. LendingTree, Inc. price-consensus-eps-surprise-chart | LendingTree, Inc. Quote Currently, LendingTree carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here. Hancock Whitney Corp.’s HWC second-quarter 2026 earnings per share of $1.55 matched the Zacks Consensus Estimate. The bottom line rose 17.4% from the prior-year quarter. HWC’s results were supported by higher net interest income and non-interest income, along with a decline in provisions. Also, a sequential increase in loans and deposit balances was positive. However, higher expenses were the undermining factor. Texas Capital Bancshares, Inc. TCBI reported second-quarter 2026 adjusted earnings per share of $1.88, which surpassed the Zacks Consensus Estimate of $1.85. The figure also compared favorably with $1.63 in the year-ago quarter. TCBI’s results benefited from higher net interest income and non-interest income, along with solid loan and deposit balances. However, results were impacted by higher expenses and credit costs. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report LendingTree, Inc. (TREE) : Free Stock Analysis Report Texas Capital Bancshares, Inc. (TCBI) : Free Stock Analysis Report Hancock Whitney Corporation (HWC) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

Texas Capital Bancshares, Inc. TCBI reported second-quarter 2026 adjusted earnings per share (EPS) of $1.88, which surpassed the Zacks Consensus Estimate of $1.85. The figure also compared favorably with $1.63 in the year-ago quarter. TCBI’s results benefited from higher net interest income (NII) and non-interest income, along with solid loan and deposit balances. However, results were impacted by higher expenses and credit costs. Results exclude certain items. After considering this, net income available to common shareholders (GAAP basis) was $80.6 million, up 10.4% from $73 million in the year-ago quarter. Total quarterly revenues increased 9.1% year over year to $335.5 million. The top line surpassed the Zacks Consensus Estimate by 1.3%. NII was $260.4 million, which rose 2.8% year over year. The increase was mainly driven by growth in average earning assets and lower funding costs, partially offset by lower earning asset yields and growth in average interest-bearing deposits. The net interest margin contracted 7 basis points year over year to 3.28%. Non-interest income increased 38.9% year over year to $75.1 million. The rise was primarily driven by higher wealth management and trust fee income, investment banking and advisory fees, trading income, and other income. Non-interest expenses rose 8% year over year to $205.5 million. The increase was mainly due to higher salaries and benefits, marketing, legal and professional, communications and technology, and other non-interest expenses. As of June 30, 2026, loans held for investment totaled $18.6 billion compared with $18.2 billion as of March 31, 2026. Total deposits were $28.9 billion, up from $28.5 billion in the prior quarter. Net charge-offs were $16.1 million in the second quarter of 2026, up from $13 million in the year-ago quarter. Provision for credit losses aggregated to $18 million, up from $15 million in the second quarter of 2025. Total non-performing assets rose to $124 million from $113.6 million in the year-ago quarter. The ratio of non-accrual loans held for investment to total loans held for investment was 0.50% compared with 0.47% in the second quarter of 2025. As of June 30, 2026, the common equity tier 1 (CET1) ratio was 12.1%, up from 11.4% in the year-ago quarter. The total capital ratio was 14.7%, while the leverage ratio was 11.6% compared with 15.3% and 11.8%, respectively, as of June 30, 2025. Tangible common equity to total tangible assets declined to 9.9% from 10.1% in the year-ago quarter. During the quarter, the company repurchased 239,348 shares for an aggregate of $23.6 million at a weighted average price of $97.63 per share. Texas Capital delivered a solid performance, supported by growth in NII, strong fee income and higher loan and deposit balances. While increased expenses and credit costs warrant monitoring, strong capital levels and continued share repurchases remain encouraging. Texas Capital Bancshares, Inc. price-consensus-eps-surprise-chart | Texas Capital Bancshares, Inc. Quote Currently, TCBI carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here. WaFd Inc.’s WAFD third-quarter fiscal 2026 (ended June 30) adjusted earnings of 81 cents per share lagged the Zacks Consensus Estimate by a penny. However, the bottom line jumped 11% year over year. WAFD’s results were hurt by a substantial rise in provisions and higher expenses. Lower loan and deposit balances acted as a spoilsport. These were partially offset by higher net interest income and non-interest income. Citizens Financial Group CFG reported second-quarter 2026 earnings per share of $1.30, which surpassed the Zacks Consensus Estimate of $1.25. The metric rose 41% from the year-ago quarter. CFG’s results benefited from a rise in NII and non-interest income. Growth in loan and deposit balances, and an improvement in credit quality were also encouraging. However, a rise in expenses and a weaker capital position were major headwinds. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Texas Capital Bancshares, Inc. (TCBI) : Free Stock Analysis Report WaFd, Inc. (WAFD) : Free Stock Analysis Report Citizens Financial Group, Inc. (CFG) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

This article first appeared on GuruFocus. Adjusted Earnings Per Share (EPS): Increased 15% year-over-year to $1.88 per share. Total Revenue: Increased $28 million or 9% year-over-year. Non-Interest Income: Increased $21 million or 39% year-over-year to $75.1 million. Investment Banking Fees: Grew 34% year-over-year to $42.8 million. Treasury Product Fees: Increased 8% year-over-year to $12.5 million. Wealth Management Fees: Increased 38% year-over-year to $5.1 million. Tangible Book Value Per Share: Increased 10% year-over-year to $76.98. Net Interest Income: Increased $7 million year-over-year to $260.4 million. Adjusted Non-Interest Expense: Increased $13.9 million or 7% year-over-year to $202.8 million. Pre-Provision Net Revenue (PPNR): Increased $13 million or 11% year-over-year to $130 million. Net Income to Common: Increased $7.6 million or 10% year-over-year to $80.6 million. Commercial Loans: Increased $1.2 billion or 10% year-over-year to $13 billion. Total Deposits: Increased $2.8 billion or 11% year-over-year to $28.9 billion. Provision for Credit Losses: Increased $3 million year-over-year to $18 million. Warning! GuruFocus has detected 4 Warning Sign with RJF. Is TCBI fairly valued? Test your thesis with our free DCF calculator. Release Date: July 22, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. Quarterly adjusted earnings per share increased 15% year-over-year to $1.88, supported by record fee income and strong C&I loan growth. Non-interest income rose by 39% year-over-year to $75.1 million, representing 22% of total revenue, up from 18% a year ago. Investment banking fees grew 34% year-over-year to $42.8 million, driven by tailored strategic advice and strong client relationships. Tangible book value per share increased 10% year-over-year to $76.98, marking the ninth consecutive quarterly record. Strong credit quality with disciplined oversight and conservative reserve posture, maintaining a solid financial foundation. Net interest margin was slightly lower than expected due to changes in earning asset mix and higher temporary funding costs. Criticized loans increased slightly, with multifamily commercial real estate borrowers facing pressure on net operating income. Commercial real estate loans decreased 3% linked quarter and are expected to decline by approximately 12% for the full year. Interest-bearing deposit costs increased due to higher average broker deposits, impacting overall deposit cost. The company faces competitive pressure and irrational behavior in both C&I and CRE lending markets, affecting pricing and structure. Q: Can you explain the factors affecting the net interest margin and how it might change in the third quarter? A: The net interest income (NII) and margin dynamics were largely consistent with expectations, but the earning asset mix changed slightly. Higher average mortgage finance loans pulled down overall loan yields, and temporary funding increased interest-bearing deposit costs. For Q3, we expect better income growing to $265 million to $270 million, with a slight seasonal step-down in margin to the low to mid-3.20% range due to a higher weighting of mortgage finance assets. (Matt Scurlock, CFO) Q: What is the outlook for credit quality, given the increase in criticized and classified loans? A: Criticized levels moved slightly higher, with increases in special mention loans, particularly in multifamily commercial real estate. This is due to rental concessions affecting net operating income. We have accounted for some migration in our full-year provision outlook, which remains comfortable at 35 to 40 basis points of loans, excluding mortgage finance. (Matt Scurlock, CFO) Q: Can you provide more details on the strong performance in investment banking and trading fees? A: Investment banking fees saw broad contributions from syndications, capital solutions, M&A, and sales and trading. Notably, 33% of investment banking fees came from new relationships, and all closed M&A transactions involved selling middle-market, privately held Texas-based companies. We expect continued strong performance with a pipeline supporting $40 million to $45 million in fees for Q3. (Rob Holmes, CEO) Q: How do you view the current competitive environment in commercial real estate and C&I lending? A: We are seeing irrational behavior in both commercial real estate and C&I lending, with some banks offering aggressive pricing and structures. We remain disciplined, focusing on banking the best clients and not expanding our client base in segments where we see irrational behavior. (Rob Holmes, CEO) Q: What is the strategy for managing interest-bearing deposit costs, especially with the seasonal impact of mortgage finance? A: Interest-bearing deposit costs were up 8 basis points, primarily due to higher average broker deposits. We expect a slight increase in average broker deposits in Q3, which will push deposit costs up a few basis points. However, this is a temporary effect, and we anticipate a reduction in brokered CDs by Q4. (Matt Scurlock, CFO) For the complete transcript of the earnings call, please refer to the full earnings call transcript.

Interested in Texas Capital Bancshares, Inc.? Here are five stocks we like better. Texas Capital Bancshares posted stronger Q2 results, with adjusted EPS rising 15% year over year to $1.88 and total revenue up 9%, helped by record fee income and solid commercial loan growth. Fee-based businesses were a major driver, as non-interest income hit a record level and areas like investment banking, treasury product fees, and wealth management all delivered notable growth. Management said this reflects a strategic shift toward more durable, capital-efficient revenue sources. Commercial lending and deposits remained healthy, with commercial loans up 10% year over year and deposits up 11%, while capital ratios stayed strong. The bank reaffirmed its full-year 2026 outlook, though it expects a temporary margin dip from mortgage finance mix and brokered funding. Texas Capital Bancshares (NASDAQ:TCBI) reported higher second-quarter earnings and record fee income as executives said the Dallas-based bank continued to benefit from client acquisition, growth in commercial lending and a broader push into capital-efficient revenue sources. Chairman, President and CEO Rob Holmes said adjusted earnings per share rose 15% from the prior-year period to $1.88. He attributed the gain to “consistent and focused execution” of the company’s strategy, including record results in wealth management, treasury product fees and investment banking, along with the strongest quarter for commercial and industrial loan growth since the second quarter of last year. → Buyback Boom: These 3 Companies Are Betting Billions on Their Own Stocks Chief Financial Officer Matt Scurlock said total revenue increased $28 million, or 9%, from a year earlier, driven by 3% growth in net interest income and a 34% increase in non-interest revenue compared with adjusted non-interest revenue in the year-ago period. Net income available to common shareholders rose 10% year over year to $80.6 million, while adjusted net income to common increased 9% to $82.7 million. Texas Capital reported non-interest income of $75.1 million, up 39% year over year according to Holmes and up 34% compared with prior-year adjusted non-interest income according to Scurlock. Non-interest income represented about 22% of total revenue, compared with 18% a year earlier. → 3 Photonics Companies Making Quantum Tech Possible Holmes said fee income from the company’s areas of focus rose 28% year over year to $60.5 million, a record for the firm. He said the performance reflected momentum in advisory, sales and trading, wealth management and treasury services. Investment banking fees were $42.8 million, up 34% year over year. Treasury product fees were $12.5 million, up 8% year over year. Wealth management fees were $5.1 million, up 38% year over year, while assets under management rose 15% to $4.8 billion. Holmes said the company’s fee businesses are “differentiated in the market, capital efficient, and provide revenue stability through economic cycles.” He also said the growth in fees was not a substitute for disciplined credit underwriting, but part of an intentional move toward “more durable, complete, and less rate-sensitive revenue sources.” → AI Data Centers Need Power, and These 2 Industrials Are Cashing In During the question-and-answer session, Holmes said investment banking results reflected broad contributions from syndications, capital solutions, M&A and sales and trading. He said 33% of investment banking fees outside of trading came from new relationships through the commercial or corporate bank, and that all closed M&A transactions year to date involved selling lower middle market, privately held, Texas-based, family-owned companies. Scurlock said period-end commercial loans totaled $13 billion, up $1.2 billion, or 10%, from a year earlier. Commercial loans increased $507 million, or 4%, from the prior quarter, marking the 10th consecutive quarter of commercial loan growth. Commercial real estate loans declined 3% from the prior quarter to $5.1 billion and were down 9% year over year. Scurlock said commercial real estate payoff rates continued to outpace client appetite to finance new projects. He said the company expects full-year average CRE balances to decline about 12%. Holmes said Texas Capital is at a “decade low in originations” from its highest-quality commercial real estate clients and does not intend to expand that client base. He said the company is not forced to participate in what he described as “irrational behavior” in the market. Average mortgage finance loans rose 18% year over year to $6.3 billion, supported by normal second-quarter seasonality, rate-driven mortgage volume increases late in the first quarter and enhanced product offerings. Scurlock said enhanced credit structures represented 69% of period-end mortgage finance balances, up from 67% in the first quarter, and that the company expects the level to remain around 70% for the rest of the year. Total deposits were $28.9 billion at quarter end, up $2.8 billion, or 11%, year over year and up $395 million, or 1%, from the prior quarter. Scurlock said growth in commercial client deposits was supplemented by modest brokered deposits to support temporary second-quarter growth in mortgage finance volumes. Average commercial non-interest-bearing deposits remained 13% of total deposits. Average non-interest-bearing mortgage finance deposits declined $316 million year over year to $4.5 billion, resulting in a 71% self-funding ratio for the quarter. Scurlock said Texas Capital expects the mortgage finance self-funding ratio to settle between 70% and 75% in the near to medium term. Net interest income increased $7 million year over year to $260.4 million and rose $5.7 million from the prior quarter. In response to an analyst question, Scurlock said third-quarter net interest income is expected to rise to $265 million to $270 million, while net interest margin could temporarily decline into the low-to-mid 3.20% range due to a heavier mix of lower-yielding mortgage finance assets and match funding through brokered deposits. Texas Capital’s tangible book value per share rose 10% year over year to $76.98, marking the ninth consecutive quarterly record for the metric. The company repurchased approximately 239,000 shares during the quarter for $23.6 million at a weighted average price of $97.63 per share and also declared and paid its inaugural common stock cash dividend. Scurlock said capital ratios remained “strong and well in excess” of the company’s internally assessed risk profile, with tangible common equity to tangible assets of 9.87% and a common equity tier 1 ratio of 12.07%. Holmes said the company is comfortable carrying capital above its stated guide of more than 11% CET1, adding that the strong capital position helps the company win business with clients. The provision for credit losses was $18 million, up $3 million from a year earlier. Scurlock said the provision was consistent with expected quarterly credit trends and management’s use of economic scenarios that are more severe than consensus estimates. Net charge-offs were $16.1 million, or 26 basis points of average loans held for investment, and were evenly split between previously identified C&I and commercial real estate credits. Scurlock said criticized loans were generally evolving as anticipated, with reductions in substandard loans mostly offset by increases in special mention loans tied to multifamily commercial real estate pressures and select C&I borrowers facing demand or margin pressure. Adjusted non-interest expense was $202.8 million, up 7% year over year. Scurlock said the increase reflected investments in client-facing talent, technology-enabled capabilities and temporary legal and professional fees tied to revenue initiatives and legacy problem credit resolution. He said the company continues to expect approximately $125 million in quarterly salaries and benefits and about $75 million in other quarterly non-interest expense for the remainder of 2026. Scurlock said Texas Capital’s full-year 2026 performance outlook remains unchanged from guidance issued in January, with the updated assumption of one rate hike in December and a federal funds rate upper limit of 4% at year-end. The company expects total revenue growth in the mid-to-high single-digit range, driven by client adoption and growth in fee income areas of focus. Full-year non-interest revenue is now expected to reach $270 million to $290 million, reflecting a modest increase to the lower end of the prior range. Texas Capital also reiterated its full-year provision outlook of 35 to 40 basis points of average loans held for investment, excluding mortgage finance. Holmes also noted the appointment of Mo Jamous as chief digital and information officer in early July, saying Jamous will help strengthen the company’s platform, drive innovation and advance its technology strategy. Texas Capital Bancshares, Inc is a bank holding company headquartered in Dallas, Texas, operating through its wholly owned subsidiary, Texas Capital Bank. The company specializes in providing commercial banking services to middle-market companies, entrepreneurs, professional service firms, real estate developers, and not-for-profit organizations. Its broad range of offerings includes commercial lending, treasury and cash management, real estate finance, equipment finance, and energy lending, all designed to address the unique financial needs of businesses navigating growth and market challenges. In addition to its core commercial banking capabilities, Texas Capital Bancshares delivers private banking and wealth management services for business owners and high-net-worth individuals. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. The article "Texas Capital Bancshares Q2 Earnings Call Highlights" was originally published by MarketBeat. View MarketBeat's top stocks for July 2026.

Texas Capital (TCBI) came out with quarterly earnings of $1.88 per share, beating the Zacks Consensus Estimate of $1.85 per share. This compares to earnings of $1.63 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +1.62%. A quarter ago, it was expected that this holding company for Texas Capital Bank would post earnings of $1.42 per share when it actually produced earnings of $1.58, delivering a surprise of +11.27%. Over the last four quarters, the company has surpassed consensus EPS estimates four times. Texas Capital, which belongs to the Zacks Banks - Southwest industry, posted revenues of $335.5 million for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 1.27%. This compares to year-ago revenues of $307.46 million. The company has topped consensus revenue estimates four times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Texas Capital shares have added about 14.5% since the beginning of the year versus the S&P 500's gain of 9.7%. While Texas Capital has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Texas Capital was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $2.01 on $341.9 million in revenues for the coming quarter and $7.56 on $1.34 billion in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Southwest is currently in the top 18% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. Another stock from the same industry, First Bank (FRBA), has yet to report results for the quarter ended June 2026. The results are expected to be released on July 23. This company is expected to post quarterly earnings of $0.40 per share in its upcoming report, which represents a year-over-year change of -2.4%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. First Bank's revenues are expected to be $37.68 million, up 2.6% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Texas Capital Bancshares, Inc. (TCBI) : Free Stock Analysis Report First Bank (FRBA) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

Texas Capital (TCBI) reported $335.5 million in revenue for the quarter ended June 2026, representing a year-over-year increase of 9.1%. EPS of $1.88 for the same period compares to $1.63 a year ago. The reported revenue represents a surprise of +1.27% over the Zacks Consensus Estimate of $331.28 million. With the consensus EPS estimate being $1.85, the EPS surprise was +1.62%. 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: Efficiency Ratio: 61.3% versus the four-analyst average estimate of 60.2%. Net interest margin: 3.3% compared to the 3.4% average estimate based on four analysts. Net charge-offs to average total loans held for investment: 0.3% versus the three-analyst average estimate of 0.3%. Average Balance - Total earning assets: $31.85 billion compared to the $31.14 billion average estimate based on three analysts. Total non-performing assets: $123.98 million versus $168.65 million estimated by three analysts on average. Non-accrual loans held for investment: $123.98 million compared to the $162.58 million average estimate based on three analysts. Total Non-Interest Income: $75.12 million versus $69.24 million estimated by four analysts on average. Net Interest Income: $260.38 million versus $262.05 million estimated by four analysts on average. Other Non-Interest Income: $16.19 million versus the two-analyst average estimate of $9.96 million. Service charges on deposit accounts: $8.85 million versus the two-analyst average estimate of $9.12 million. Net Interest Income (FTE): $261.24 million versus $263.25 million estimated by two analysts on average. Wealth management and trust fee income: $5.14 million versus the two-analyst average estimate of $4.38 million. View all Key Company Metrics for Texas Capital here>>> Shares of Texas Capital have returned +2.3% over the past month versus the Zacks S&P 500 composite's +0.3% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Texas Capital Bancshares, Inc. (TCBI) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

Second quarter 2026 net income available to common stockholders of $80.6 million, up 10% year-over-year Record-level fee income(5), up 29% year-over-year Record-level Book Value and Tangible Book Value(4) per share, both increasing 10% year-over-year Capital ratios continue to be strong, achieving 12.1% CET1 and 14.7% Total Capital DALLAS, July 22, 2026 (GLOBE NEWSWIRE) -- “Double-digit year-over-year growth in earnings per share and book value per share, combined with strong capital ratios and operational efficiency, reflect another quarter of consistently improving financial performance earned through continued focus on delivering for our clients,” said Rob C. Holmes, Chairman, President & CEO. “The durability of our platform, diversity of our solution set, and dedication of our teams, position us to sustain momentum through the remainder of the year.” SECOND QUARTER 2026 COMPARED TO FIRST QUARTER 2026 For the second quarter of 2026, net income available to common stockholders was $80.6 million, or $1.83 per diluted share, compared to $69.5 million, or $1.56 per diluted share, for the first quarter of 2026. Provision for credit losses for the second quarter of 2026 was $18.0 million, compared to $16.0 million for the first quarter of 2026. The $18.0 million provision for credit losses recorded in the second quarter of 2026 resulted primarily from an increase in criticized loans and $16.1 million in net charge-offs. Net interest income increased to $260.4 million for the second quarter of 2026, compared to $254.7 million for the first quarter of 2026, primarily due to an increase in average earning assets, partially offset by an increase in average interest bearing deposits. Net interest margin for the second quarter of 2026 was 3.28%, a decrease of 15 basis points from the first quarter of 2026. Loans held for investment (“LHI”), excluding mortgage finance, yields decreased 2 basis points from the first quarter of 2026 and LHI, mortgage finance, yields increased 7 basis points from the first quarter of 2026. Total cost of deposits was 2.40% for the second quarter of 2026, a 2 basis point increase from the first quarter of 2026. Non-interest income for the second quarter of 2026 increased $5.9 million compared to the first quarter of 2026 primarily due to increases in trading income and other non-interest income. Non-interest expense for the second quarter of 2026 decreased $8.1 million compared to the first quarter of 2026, primarily due to a decrease in salaries and benefits, primarily as a result of the effect of seasonal payroll expenses that peak in the first quarter, partially offset by increases in legal and professional, communications and technology, and other non-interest expense. SECOND QUARTER 2026 COMPARED TO SECOND QUARTER 2025 Net income available to common stockholders was $80.6 million, or $1.83 per diluted share, for the second quarter of 2026, compared to $73.0 million, or $1.58 per diluted share, for the second quarter of 2025. The second quarter of 2026 included a $18.0 million provision for credit losses, reflecting a linked quarter increase in criticized loans and $16.1 million in net charge-offs, compared to a $15.0 million provision for credit losses for the second quarter of 2025. Net interest income increased to $260.4 million for the second quarter of 2026, compared to $253.4 million for the second quarter of 2025, primarily due to an increase in average earning assets and a decrease in funding costs, partially offset by a decrease in earning asset yields and an increase in average interest bearing deposits. Net interest margin increased 8 basis points to 3.28% for the second quarter of 2026, as compared to the second quarter of 2025. LHI, excluding mortgage finance, yields decreased 20 basis points compared to the second quarter of 2025 and LHI, mortgage finance yields decreased 18 basis points from the second quarter of 2025. Total cost of deposits decreased 31 basis points compared to the second quarter of 2025. Non-interest income for the second quarter of 2026 increased $21.0 million compared to the second quarter of 2025 primarily due to increases in wealth management and trust fee income, investment banking and advisory fees, trading income and other non-interest income, as well as the absence of a $1.9 million loss on sale of available-for sale debt securities recognized in the second quarter of 2025. Non-interest expense for the second quarter of 2026 increased $15.2 million compared to the second quarter of 2025, primarily due to increases in salaries and benefits, marketing, legal and professional, communications and technology, and other non-interest expense. CREDIT QUALITY Net charge-offs of $16.1 million were recorded during the second quarter of 2026, compared to net charge-offs of $17.4 million and $13.0 million during the first quarter of 2026 and the second quarter of 2025, respectively. Criticized loans totaled $696.3 million at June 30, 2026, compared to $650.6 million at March 31, 2026 and $637.5 million at June 30, 2025. Non-accrual LHI totaled $124.0 million at June 30, 2026, compared to $144.9 million at March 31, 2026 and $113.6 million at June 30, 2025. The ratio of non-accrual LHI to total LHI for the second quarter of 2026 was 0.50%, compared to 0.58% for the first quarter of 2026 and 0.47% for the second quarter of 2025. The ratio of total allowance for credit losses to total LHI was 1.34% at June 30, 2026, compared to 1.32% and 1.40% at March 31, 2026 and June 30, 2025, respectively. REGULATORY RATIOS AND CAPITAL All regulatory ratios continue to be in excess of “well capitalized” requirements as of June 30, 2026. CET1, tier 1 capital, total capital and leverage ratios were 12.1%, 13.5%, 14.7% and 11.6%, respectively, at June 30, 2026, compared to 12.0%, 13.4%, 15.9% and 12.1%, respectively, at March 31, 2026 and 11.4%, 12.9%, 15.3% and 11.8%, respectively, at June 30, 2025. At June 30, 2026, our ratio of tangible common equity to total tangible assets was 9.9%, compared to 9.9% at March 31, 2026 and 10.1% at June 30, 2025. During the second quarter of 2026, the Company repurchased 239,348 shares of its common stock for an aggregate purchase price, including excise tax expense, of $23.6 million, at a weighted average price of $97.63 per share. PREFERRED AND COMMON DIVIDEND Texas Capital Bancshares, Inc. and its board of directors declared and announced a cash dividend of $14.375 per share of the 5.75% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series B (the “Series B Preferred Stock”), equivalent to $0.359375 per depositary share, each representing a 1/40th interest in a share of the Series B Preferred Stock. The depositary shares are traded on the NASDAQ under the symbol “TCBIO.” The dividend is payable on September 15, 2026, to holders of record at the close of business on September 1, 2026. Texas Capital Bancshares, Inc. and its board of directors declared and announced a cash dividend of $0.20 per common share. The common shares are traded on the NASDAQ under the symbol “TCBI.” The dividend is payable on September 15, 2026, to holders of record at the close of business on September 1, 2026. About Texas Capital Bancshares, Inc. Texas Capital Bancshares, Inc. (NASDAQ®: TCBI), a member of the Russell 2000® Index and the S&P MidCap 400®, is the parent company of Texas Capital Bank (“TCB”). Texas Capital is the collective brand name for TCB and its separate, non-bank affiliates and wholly-owned subsidiaries. Texas Capital is a full-service financial services firm that delivers customized solutions to businesses, entrepreneurs and individual customers. Founded in 1998, the institution is headquartered in Dallas with offices in Austin, Houston, San Antonio and Fort Worth, and has built a network of clients across the country. With the ability to service clients through their entire lifecycles, Texas Capital has established commercial banking, consumer banking, investment banking and wealth management capabilities. All services are subject to applicable laws, regulations, and service terms. Deposit and lending products and services are offered by TCB. For deposit products, member FDIC. For more information, please visit www.texascapital.com. Forward Looking Statements 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. These statements are not historical in nature and may often be identified by the use of words such as “believes,” “projects,” “expects,” “may,” “estimates,” “should,” “plans,” “targets,” “intends” “could,” “would,” “anticipates,” “potential,” “confident,” “optimistic” or the negative thereof, or other variations thereon, or comparable terminology, or by discussions of strategy, objectives, estimates, trends, guidance, expectations and future plans. Because forward-looking statements relate to future results and occurrences, they are subject to inherent and various uncertainties, risks, and changes in circumstances that are difficult to predict, may change over time, are based on management’s expectations and assumptions at the time the statements are made and are not guarantees of future results. Numerous risks and other factors, many of which are beyond management’s control, could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. While there can be no assurance that any list of risks is complete, important risks and other factors that could cause actual results to differ materially from those contemplated by forward-looking statements include, but are not limited to: economic or business conditions in Texas, the United States or globally that impact TCBI or its customers; negative credit quality developments arising from the foregoing or other factors, including trade policies, geopolitical conflicts, inflation, including increased energy costs, unemployment rates and interest rates; TCBI’s ability to innovate, to anticipate the needs of our current and future customers and to manage increased or expanded competition from banks and other financial service providers in TCBI’s markets; TCBI’s ability to effectively manage its liquidity and maintain adequate regulatory capital to support its businesses; TCBI’s ability to pursue and execute upon growth plans, whether as a function of capital, liquidity or other limitations; TCBI’s ability to successfully execute its business strategy, including its strategic plan and developing and executing new lines of business, products and services; risks related to potential strategic acquisitions, including the risk that TCBI may not be able to consummate acquisitions on favorable terms, if at all, and the risk that TCBI may not realize the anticipated benefits from acquisitions; the extensive regulations to which TCBI is subject and its ability to comply with applicable governmental regulations, including legislative and regulatory changes; TCBI’s ability to effectively manage information technology systems, including third party vendors, cyber or data privacy incidents or other failures, outages, disruptions or security breaches; TCBI’s ability to use technology to provide products and services to its customers; risks related to the development and use of artificial intelligence; changes in interest rates, including the impact of interest rates on TCBI’s securities portfolio and funding costs, as well as related balance sheet implications stemming from the fair value of our assets and liabilities; the effectiveness of TCBI’s risk management processes strategies and monitoring; fluctuations in commercial and residential real estate values, especially as they relate to the value of collateral supporting TCBI’s loans; TCBI’s ability to manage any unexpected outflows of uninsured deposits and avoid selling investment securities or other assets at an unfavorable time or at a loss; adverse developments in the banking industry and the potential impact of such developments on customer confidence, liquidity and regulatory responses to these developments, including in the context of regulatory examinations and related findings and actions; negative press and social media attention with respect to the banking industry or TCBI, in particular; claims, litigation or regulatory investigations and actions that TCBI may become subject to; the failure to identify, attract and retain key personnel and other employees and to engage in adequate succession planning; severe weather, natural disasters, climate change, acts of war, terrorism, global or other geopolitical conflicts, or other external events, as well as related legislative and regulatory initiatives; and the risks and factors more fully described in TCBI’s most recent Annual Report on Form 10-K, Quarterly Reports on Form 10-Q and other documents and filings with the SEC. The information contained in this communication speaks only as of its date. Except to the extent required by applicable law or regulation, we disclaim any obligation to update such factors or to publicly announce the results of any revisions to any of the forward-looking statements included herein to reflect future events or developments. GAAP TO NON-GAAP RECONCILIATIONS The following items are non-GAAP financial measures: adjusted non-interest income, adjusted total revenue, adjusted non-interest expense, adjusted income tax expense, adjusted net income, adjusted net income available to common stockholders, adjusted pre-provision net revenue (“PPNR”), adjusted diluted earnings per common share, adjusted return on average assets, adjusted return on average common equity, adjusted efficiency ratio, adjusted non-interest income to average earning assets and adjusted non-interest expense to average earning assets. These are not measures recognized under GAAP and therefore are considered non-GAAP financial measures. The table below provides a reconciliation of these non-GAAP financial measures to the most comparable GAAP measures. These non-GAAP financial measures are adjusted for certain items, listed below, that management believes are non-operating in nature and not representative of its actual operating performance. Management believes that these non-GAAP financial measures provide meaningful additional information about the Company to assist management and investors in evaluating operating results, financial strength, business performance and capital position. Non-GAAP financial measures have inherent limitations, are not required to be uniformly applied and are not audited. As such, these non-GAAP financial measures should not be considered in isolation or as a substitute for analyses of operating results or capital position as reported under GAAP. CONTACT: INVESTOR CONTACT Jocelyn Kukulka, 469.399.8544 [email protected]

Texas Capital (TCBI) is expected to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended June 2026. This widely-known consensus outlook gives a good sense of the company's earnings picture, but how the actual results compare to these estimates is a powerful factor that could impact its near-term stock price. The earnings report, which is expected to be released on July 22, might help the stock move higher if these key numbers are better than expectations. On the other hand, if they miss, the stock may move lower. While management's discussion of business conditions on the earnings call will mostly determine the sustainability of the immediate price change and future earnings expectations, it's worth having a handicapping insight into the odds of a positive EPS surprise. This holding company for Texas Capital Bank is expected to post quarterly earnings of $1.85 per share in its upcoming report, which represents a year-over-year change of +13.5%. Revenues are expected to be $331.28 million, up 7.8% from the year-ago quarter. The consensus EPS estimate for the quarter has been revised 2.04% lower over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period. Investors should keep in mind that the direction of estimate revisions by each of the covering analysts may not always get reflected in the aggregate change. Price, Consensus and EPS Surprise Estimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. This insight is at the core of our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction). The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier. Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is significant for positive ESP readings only. A positive Earnings ESP is a strong predictor of an earnings beat, particularly when combined with a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold). Our research shows that stocks with this combination produce a positive surprise nearly 70% of the time, and a solid Zacks Rank actually increases the predictive power of Earnings ESP. Please note that a negative Earnings ESP reading is not indicative of an earnings miss. Our research shows that it is difficult to predict an earnings beat with any degree of confidence for stocks with negative Earnings ESP readings and/or Zacks Rank of 4 (Sell) or 5 (Strong Sell). For Texas Capital, the Most Accurate Estimate is higher than the Zacks Consensus Estimate, suggesting that analysts have recently become bullish on the company's earnings prospects. This has resulted in an Earnings ESP of +0.99%. On the other hand, the stock currently carries a Zacks Rank of #3. So, this combination indicates that Texas Capital will most likely beat the consensus EPS estimate. While calculating estimates for a company's future earnings, analysts often consider to what extent it has been able to match past consensus estimates. So, it's worth taking a look at the surprise history for gauging its influence on the upcoming number. For the last reported quarter, it was expected that Texas Capital would post earnings of $1.42 per share when it actually produced earnings of $1.58, delivering a surprise of +11.27%. Over the last four quarters, the company has beaten consensus EPS estimates four times. An earnings beat or miss may not be the sole basis for a stock moving higher or lower. Many stocks end up losing ground despite an earnings beat due to other factors that disappoint investors. Similarly, unforeseen catalysts help a number of stocks gain despite an earnings miss. That said, betting on stocks that are expected to beat earnings expectations does increase the odds of success. This is why it's worth checking a company's Earnings ESP and Zacks Rank ahead of its quarterly release. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported. Texas Capital appears a compelling earnings-beat candidate. However, investors should pay attention to other factors too for betting on this stock or staying away from it ahead of its earnings release. Stay on top of upcoming earnings announcements with the Zacks Earnings Calendar. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Texas Capital Bancshares, Inc. (TCBI) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research