Texas Capital Bancshares Inc (TCBI) - Net Assets
Based on the latest financial reports, Texas Capital Bancshares Inc (TCBI) has net assets worth $3.63 Billion USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($31.54 Billion) and total liabilities ($27.91 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check TCBI asset resilience ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $3.63 Billion |
| % of Total Assets | 11.51% |
| Annual Growth Rate | 16.22% |
| 5-Year Change | 13.14% |
| 10-Year Change | 80.71% |
| Growth Volatility | 10.76 |
Texas Capital Bancshares Inc - Net Assets Trend (1999–2025)
This chart illustrates how Texas Capital Bancshares Inc's net assets have evolved over time, based on quarterly financial data. Also explore balance sheet size of Texas Capital Bancshares Inc for the complete picture of this company's asset base.
Annual Net Assets for Texas Capital Bancshares Inc (1999–2025)
The table below shows the annual net assets of Texas Capital Bancshares Inc from 1999 to 2025. For live valuation and market cap data, see market cap of Texas Capital Bancshares Inc.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $3.63 Billion | +7.82% |
| 2024-12-31 | $3.37 Billion | +5.28% |
| 2023-12-31 | $3.20 Billion | +4.71% |
| 2022-12-31 | $3.06 Billion | -4.81% |
| 2021-12-31 | $3.21 Billion | +11.79% |
| 2020-12-31 | $2.87 Billion | +1.38% |
| 2019-12-31 | $2.83 Billion | +13.27% |
| 2018-12-31 | $2.50 Billion | +13.51% |
| 2017-12-31 | $2.20 Billion | +9.61% |
| 2016-12-31 | $2.01 Billion | +23.78% |
| 2015-12-31 | $1.62 Billion | +9.39% |
| 2014-12-31 | $1.48 Billion | +35.38% |
| 2013-12-31 | $1.10 Billion | +31.10% |
| 2012-12-31 | $836.24 Million | +35.68% |
| 2011-12-31 | $616.33 Million | +16.66% |
| 2010-12-31 | $528.32 Million | +9.76% |
| 2009-12-31 | $481.36 Million | +24.36% |
| 2008-12-31 | $387.07 Million | +31.15% |
| 2007-12-31 | $295.14 Million | +16.42% |
| 2006-12-31 | $253.51 Million | +17.63% |
| 2005-12-31 | $215.52 Million | +10.37% |
| 2004-12-31 | $195.28 Million | +13.69% |
| 2003-12-31 | $171.76 Million | +37.43% |
| 2002-12-31 | $124.98 Million | +17.50% |
| 2001-12-31 | $106.36 Million | +23.39% |
| 2000-12-31 | $86.20 Million | +18.22% |
| 1999-12-31 | $72.91 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Texas Capital Bancshares Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 281868200000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $2.81 Billion | 77.34% |
| Common Stock | $518.00K | 0.01% |
| Other Comprehensive Income | $-64.58 Million | -1.78% |
| Other Components | $886.80 Million | 24.42% |
| Total Equity | $3.63 Billion | 100.00% |
Texas Capital Bancshares Inc Competitors by Market Cap
The table below lists competitors of Texas Capital Bancshares Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
AVIC Capital Co Ltd
SHG:600705
|
$4.48 Billion |
|
BILFINGER SE UNSP.ADR 1/5
F:GBFU
|
$4.48 Billion |
|
TaTaTu SpA
PA:ALTTU
|
$4.48 Billion |
|
Moneta Money Bank AS
PR:MONET
|
$4.48 Billion |
|
Sweco AB (publ)
ST:SWEC-B
|
$4.48 Billion |
|
Zhejiang Kaishan Compressor
SHE:300257
|
$4.47 Billion |
|
Bumrungrad Hospital PCL
BK:BH
|
$4.47 Billion |
|
FOSITEK CORP
TW:6805
|
$4.47 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Texas Capital Bancshares Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 3,367,936,000 to 3,631,382,000, a change of 263,446,000 (7.8%).
- Net income of 330,244,000 contributed positively to equity growth.
- Dividend payments of 17,250,000 reduced retained earnings.
- Share repurchases of 185,850,000 reduced equity.
- Other comprehensive income increased equity by 118,522,001.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $330.24 Million | +9.09% |
| Dividends Paid | $17.25 Million | -0.48% |
| Share Repurchases | $185.85 Million | -5.12% |
| Other Comprehensive Income | $118.52 Million | +3.26% |
| Other Changes | $17.78 Million | +0.49% |
| Total Change | $- | 7.82% |
Book Value vs Market Value Analysis
This analysis compares Texas Capital Bancshares Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.27x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 10.51x to 1.27x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1999-12-31 | $9.65 | $101.38 | x |
| 2000-12-31 | $9.87 | $101.38 | x |
| 2001-12-31 | $5.48 | $101.38 | x |
| 2002-12-31 | $6.40 | $101.38 | x |
| 2003-12-31 | $7.85 | $101.38 | x |
| 2004-12-31 | $7.37 | $101.38 | x |
| 2005-12-31 | $8.08 | $101.38 | x |
| 2006-12-31 | $9.55 | $101.38 | x |
| 2007-12-31 | $11.03 | $101.38 | x |
| 2008-12-31 | $13.80 | $101.38 | x |
| 2009-12-31 | $14.11 | $101.38 | x |
| 2010-12-31 | $14.15 | $101.38 | x |
| 2011-12-31 | $16.08 | $101.38 | x |
| 2012-12-31 | $20.82 | $101.38 | x |
| 2013-12-31 | $26.24 | $101.38 | x |
| 2014-12-31 | $33.73 | $101.38 | x |
| 2015-12-31 | $34.96 | $101.38 | x |
| 2016-12-31 | $42.97 | $101.38 | x |
| 2017-12-31 | $43.83 | $101.38 | x |
| 2018-12-31 | $49.74 | $101.38 | x |
| 2019-12-31 | $56.17 | $101.38 | x |
| 2020-12-31 | $56.76 | $101.38 | x |
| 2021-12-31 | $62.76 | $101.38 | x |
| 2022-12-31 | $59.85 | $101.38 | x |
| 2023-12-31 | $65.81 | $101.38 | x |
| 2024-12-31 | $71.67 | $101.38 | x |
| 2025-12-31 | $79.90 | $101.38 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Texas Capital Bancshares Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.09%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 16.52%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 8.69x
- Recent ROE (9.09%) is above the historical average (6.82%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1999 | -12.75% | -100.94% | 0.02x | 5.60x | $-16.59 Million |
| 2000 | -19.14% | -40.22% | 0.05x | 10.54x | $-25.12 Million |
| 2001 | 5.49% | 12.36% | 0.04x | 10.95x | $-4.79 Million |
| 2002 | 5.88% | 9.32% | 0.04x | 14.35x | $-5.15 Million |
| 2003 | 8.05% | 14.35% | 0.04x | 12.77x | $-3.34 Million |
| 2004 | 10.45% | 17.29% | 0.05x | 13.37x | $882.50K |
| 2005 | 12.62% | 15.81% | 0.06x | 14.12x | $5.64 Million |
| 2006 | 11.41% | 11.38% | 0.07x | 14.50x | $3.57 Million |
| 2007 | 9.97% | 9.49% | 0.07x | 14.53x | $-91.80K |
| 2008 | 6.27% | 8.94% | 0.05x | 13.28x | $-14.44 Million |
| 2009 | 5.02% | 8.87% | 0.05x | 11.84x | $-23.98 Million |
| 2010 | 7.04% | 11.92% | 0.05x | 12.20x | $-15.64 Million |
| 2011 | 12.33% | 21.47% | 0.04x | 13.20x | $14.34 Million |
| 2012 | 14.43% | 27.33% | 0.04x | 12.61x | $37.05 Million |
| 2013 | 11.04% | 24.77% | 0.04x | 10.69x | $11.42 Million |
| 2014 | 9.19% | 24.48% | 0.04x | 10.71x | $-12.07 Million |
| 2015 | 8.92% | 22.26% | 0.03x | 11.65x | $-17.50 Million |
| 2016 | 7.72% | 20.34% | 0.04x | 10.80x | $-45.84 Million |
| 2017 | 8.95% | 21.01% | 0.04x | 11.38x | $-23.21 Million |
| 2018 | 11.73% | 23.91% | 0.04x | 11.30x | $43.35 Million |
| 2019 | 11.02% | 21.74% | 0.04x | 11.49x | $28.79 Million |
| 2020 | 2.31% | 5.63% | 0.03x | 13.14x | $-220.83 Million |
| 2021 | 7.91% | 25.73% | 0.03x | 10.82x | $-67.02 Million |
| 2022 | 10.88% | 26.70% | 0.04x | 9.30x | $26.94 Million |
| 2023 | 5.91% | 10.56% | 0.06x | 8.86x | $-130.77 Million |
| 2024 | 2.30% | 4.40% | 0.06x | 9.12x | $-259.29 Million |
| 2025 | 9.09% | 16.52% | 0.06x | 8.69x | $-32.89 Million |
Industry Comparison
This section compares Texas Capital Bancshares Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Texas Capital Bancshares Inc (TCBI) | $3.63 Billion | -12.75% | 7.69x | $4.48 Billion |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About Texas Capital Bancshares Inc
Texas Capital Bancshares, Inc. operates as the bank holding company for Texas Capital Bank, is a full-service financial services firm that delivers customized solutions to businesses, entrepreneurs, and individual customers. The company offers commercial banking; consumer banking; investment banking solutions, including capital markets, mergers and acquisitions, and syndicated finance, as well as… Read more