TCBI Texas Capital Bancshares margins

Relative Growth: Rel. Growth:

Relative Strength: Rel. Strength:

Relative Valuation: Rel. Valuation:

Relative Profitability: Rel. Profitability: 91

Gross margin

100%

Operating margin

37.5%

EBITDA margin

42%

Net margin

28.7%

Recent Texas Capital Bancshares shows a gross margin of 100%, an operating margin of 37.5%, an EBITDA margin of 42%, and a net margin of 28.7%. Operating margin increased by 18.7 percentage points, while other available margins were stable.

TCBI margin history

Gross, operating, EBITDA and net margin trends

Over the last 3 years, Texas Capital Bancshares's margins averaged 100% gross, 24.05% operating, 29% EBITDA, and 18.22% net. Currently, operating, EBITDA, and net margins are above their three-year averages.

TCBI margin expansion

Year-over-year margin changes in percentage points

From the same period last year, operating margin expanded by 18.7 percentage points, EBITDA margin by 17.5 percentage points, and net margin by 14.4 percentage points, while gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

18.7pp

EBITDA margin expansion

17.5pp

Net margin expansion

14.4pp

TCBI Gross margin

Texas Capital Bancshares recorded an average gross margin of 100% across the last 3 years. Compared with its three-year average, Texas Capital Bancshares's current gross margin is 100% and is in line with its three-year average. Over the last 3 years, Texas Capital Bancshares's gross margin peaked at 100% in Jun 2026 and reached a low of 100% in Dec 2023.

TCBI Operating margin

Looking at the last 3 years, Texas Capital Bancshares had an average operating margin of 24.05%. Texas Capital Bancshares's current operating margin is 37.5% and is 13.5 percentage points above its three-year average. Looking back over the last 3 years, Texas Capital Bancshares's operating margin reached 37.5% at its highest point in Jun 2026 and 4.7% at its lowest in Sep 2024.

TCBI EBITDA margin

Over the last 3 years, the average EBITDA margin for Texas Capital Bancshares was 29%. Compared with its three-year average, Texas Capital Bancshares's current EBITDA margin is 42% and is 13 percentage points above its three-year average. Texas Capital Bancshares's EBITDA margin ranged from a low of 10.6% in Sep 2024 to a high of 42% in Jun 2026.

TCBI Net margin

Across the last 3 years, Texas Capital Bancshares's net margin stood at 18.22%. The latest net margin for Texas Capital Bancshares is 28.7%, 10.5 percentage points above its three-year average. Net margin was highest at 28.7% in Jun 2026 and lowest at 3.2% in Sep 2024.

TCBI margin group comparison

Margins compared with peer-group, industry and sector averages

Texas Capital Bancshares's gross margin of 100% is higher than the Financial Services sector and the industry average. Looking at the Financial Services sector average of 83.5%, Texas Capital Bancshares's gross margin is 20% higher.

TCBI margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is Texas Capital Bancshares's gross margin?

For the period ending Jun 30, 2026, TCBI recorded a gross margin of 100%.

What is Texas Capital Bancshares's operating margin?

As of Jun 30, 2026, TCBI has an operating margin of 37.5%.

What is Texas Capital Bancshares's EBITDA margin?

As of Jun 30, 2026, TCBI has an EBITDA margin of 42%.

What is Texas Capital Bancshares's net margin?

For the period ending Jun 30, 2026, TCBI recorded a net margin of 28.7%.

What are the average margins of TCBI?

Over the last 3 years, Texas Capital Bancshares's margins averaged 100.0% gross, 24.1% operating, 29.0% EBITDA, and 18.2% net.

What are the highest historical margins of TCBI?

Within the 5-year period, TCBI recorded its highest margins at 100% gross in Jun 2026, 39.4% operating in Sep 2023, 46% EBITDA in Dec 2021, and 30.5% net in Sep 2023.

What are the lowest historical margins of TCBI?

Within the 5-year period, TCBI recorded its lowest margins at 100% gross in Dec 2021, 4.7% operating in Sep 2024, 10.6% EBITDA in Sep 2024, and 3.2% net in Sep 2024.